the National Credit Act, 34 of 2005
https://www.gov.za/sites/default/files/gcis_document/201409/a34-050_0.pdf
the Consumer Protection Act, 68 of 2008
https://www.gov.za/sites/default/files/32186_467.pdf
the Constitution of the Republic of South Africa, 108 of 1996
https://www.gov.za/sites/default/files/images/a108-96.pdf