Home Loan Providers
The office of the CGSO, set up in line with the Consumer Protection Act, enforces the Consumer Goods and Services Industry Code of Conduct by receiving and dealing with consumer goods complaints by a consumer, free of charge, and investigating alleged contraventions.
The Human Settlements Ombudsman’s objectives are to improve openness and transparency in the Human Settlements Sector, increase public confidence in Government, improve efficiency and effectiveness of government operations as it relates to Human Settlements, provide an accessible mechanism for redress in the Human Settlements Sector (as opposed to time-consuming, costly judiciary processes), reduce the number of related complaints directed to The Minister of Human Settlements directly and external parties (Presidential hotline, Public Protector, courts), and to promote our constitutional right to housing. His scope of work is to resolve disputes, raised by individuals, communities or service providers about complaints against municipalities or other spheres of government in the human settlements sector, complaints between government entities and their service providers, home ownership disputes in respect of houses provided by government (title restoration), complaints between individual homeowners and the government entities, complaints between the EAAB and real estate agencies and also complaints between CSOS and body corporates.
The CSOS was established to regulate the conduct of parties within community schemes and to ensure their good governance. Community Schemes are defined in the CSOS Act as living arrangements where there is shared use of and responsibility for land/buildings such as sectional title, homeowners’ associations, retirement housing schemes, share block companies and housing cooperatives.
The OBS scheme exists to provide individual and small business bank customers with a fair, quick and effective dispute resolution process, free of charge. It provides an informal, easily accessible alternative to other remedies, such as court proceedings. The scheme is recognised under the Financial Service Ombudscheme Act (FSOS) and has statutory jurisdiction to deal with matters arising from the National Credit Act (NCA).
The FAIS Ombud was established in terms of the Financial Advisory and Intermediary Services Act, No 37 of 2002 (‘FAIS Act’). The FAIS Ombud’s objective is to consider and dispose of complaints relating to financial services rendered by financial services providers or representatives of providers.
Call Centre: 086 066 3247
Tel: 012 762 5000
Tel: 012 470 9080
Address: Kasteel Park Office Park, Orange Building, 2nd Floor, 546 Jochemus Street, Erasmus Kloof, Pretoria, Gauteng
The Office of the Credit Ombudsman resolves complaints from consumers and businesses that are negatively impacted by credit bureau information or when a consumer has a dispute with a credit provider.
The office of the Ombudsman for Short-Term Insurance provides the insuring public and the short term insurance industry with a free, efficient and fair dispute resolution mechanism through an alternative dispute resolution process, applying the law and principles of fairness and equity. The Ombud deals with personal lines short-term insurance disputes including disputes relating to Motor Insurance, Homeowners insurance (buildings), Household insurance (contents), Cell phone insurance, Travel insurance, Disability insurance, Credit protection insurance and also deals with commercial insurance for small businesses and sole proprietors.
Any policyholder, a successor in title, beneficiary, life insured or premium payer of an insurer who subscribes to the Ombudsman scheme (a list is available on their website). You may submit a complaint to their office if you have raised the complaint with the insurer, but the insurer has not been able to resolve the complaint to your satisfaction.
The office of the Tax Ombud provides you with a fair and simple way to seek a resolution for a service, procedure or administrative dispute you have already unsuccessfully tried to resolve through SARS. The Office of the Tax Ombud is independent of SARS.
Consumer Sector Regulatory Authorities
The NCC registers, assesses and investigates complaints and alleged misconduct by businesses. It also represents consumers in the Consumer Tribunal. The NCC can also refer individual complaints to alternate dispute resolution agencies, such as provincial consumer affairs authorities and relevant ombudsman schemes, for resolution. A consumer may approach the NCC for guidance or assistance with a dispute that cannot be amicably resolved. In the interests of getting quick and cost-free redress, it is advisable to first raise a complaint with the business or provider of the goods and services.
The NCT, established in terms of the National Credit Act, is responsible for the adjudication of violations and transgressions of the National Credit Act and the Consumer Protection Act. A decision by the Tribunal has the same status as one made by the High Court of South Africa. Various parties can bring cases before the Tribunal. These can be the National Credit Regulator, consumers, credit providers, debt counsellors and credit bureaux. The Tribunal’s mandate includes reviewing decisions made by the National Credit Regulator.
Financial Sector Regulatory Authorities
The NCR was established under the National Credit Act and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act. Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR.
The CBA operates within the industry as regulated by the National Credit Regulator, in accordance with the National Credit Act and related law, and is accountable for representing the interests of the credit information industry and regulating the conduct of its members. It is a voluntary industry body, representing 12 of the 14 registered credit bureaus within South Africa, including Compuscan, Consumer Profile Bureaus (CPB), Credit IT Data Risk Management Solution, Experian, Inoxico, Lexis Nexis Risk Management Services, Managed Integrity Evaluation (MIE), Searchworks 360 ,Tenant Profile Network, TransUnion, VeriCred, Xpert Decision System (XDS).
The FSCA is the market conduct regulator of financial institutions, that provide financial products and financial services, financial institutions that are licensed in terms of a financial sector law, including banks, insurers, retirement funds and administrators, and market infrastructures. The FSCA assists clients with legislative related complaints dealing with the manner in which the regulated companies conduct themselves and any contravention of the acts by which they are governed. The FSCA cannot assist with claim disputes and contractual disagreements. For this, one would need to consult the relevant Ombud.
A governing body to establish and maintain an effective policy and compliance framework and operational capacity to oversee compliance and to provide high quality, timeous financial intelligence for use in the fight against crime, money laundering and terror financing in order for South Africa to protect the integrity and stability of its financial system, develop economically and be a responsible global citizen.
Tel: 012 641 6000
Housing Sector Regulatory Authorities
The SAHRC as a national human rights institution is mandated to promote respect for, protection, development and attainment of; and monitor and assess the observance of human rights, has adopted various strategic priority focus areas assigned to each Commissioner. These focus areas are informed by South Africa’s human rights obligations at the international, regional and domestic level. The SA Human Rights Commissioner has been assigned two focus areas, namely, the right of access to justice and the right of access to adequate housing.
There shall be houses, security and comfort, is the founding base for the department. Also, the Constitution of the Republic of South Africa states that access to housing is a basic human right. The government has to ensure an environment conducive to progressive realisation of the right. The department has an Ombudsman to deal with all concerns raised by individuals, communities or service providers about municipalities, government in the human settlements sector, government appointed service providers, homeowners regarding title restoration, the EAAB and real estate agencies and also concerns between the Community Schemes Ombud Service and body corporates. Please contact the Human Settlements Ombudsman for any concerns.
The HDA is a national public sector development agency that acquires and prepares land as well as develop the land and project manage the development of housing and human settlements. They carry out their activities in partnership with a range of stakeholders including national, provincial and local government and municipalities, as well as with communities, developers, financiers and other affected parties. Established in 2009, the Agency is established by an Act of Parliament in 2008 and is accountable through its board to the Minister of Human Settlements.
The NHFC is a Development Finance Institutions created by the Government to sustainably improve on the socio-economic challenges of the country. The developmental financial focus of the NHFC is specifically about finding workable models on affordable housing finance for the low- and middle-income target market. The NHFC defines its end-beneficiary target market as the low- to middle-income household also known as the Gap market. This market sector is mostly able to contribute towards its housing costs but finds it hard to access bank-funded housing finance. The NHFC was established to offer housing finance, project facilitation and technical assistance to private and public entities ensuring availability of housing stock for the target market.
The (SHRA was established by the Minister of Human Settlements as per the Social Housing Act and is a public entity in terms of the Public Finance Management Act. The primary intension of the Social Housing Act is to deliver affordable, state subsidised rental housing (social housing) targeted at low to medium income groups. The purpose of social housing is to contribute to the national priority of restructuring South African society in order to address structural, economic, social and spatial dysfunctionalities. Social housing contributes to widening the range of housing options available to the poor.
The EAAB, established in 1976 in terms of the Estate Agency Affairs Act, has the mandate to regulate and control certain activities of estate agents in the public interest, through ensuring that all persons carrying out the activities of an estate agent as a service to the public are registered with the EAAB. A Fidelity Fund Certificate, which is to be renewed each year is issued as evidence of such registration and confirmation that such person is legally entitled to carry out the activities of an estate agent. The EAAB reports to the Department of Human Settlements.
Although the primary purpose of the IEASA is to look after the interests of its members, they also believe that real estate consumers – home buyers, sellers, tenants and landlords – deserve to work only with the most ethical and properly qualified estate agents who will provide the highest level of service. All IEASA members subscribe not only to the statutory Estate Agents’ Code of Conduct, but also to additional ethical and professional obligations.
NAMA is a voluntary, Non-Profit organisation that promotes and advances the interest of Managing Agents and Community Scheme Management in South Africa. To nurture the growth in the industry and meet the challenges of an ever-changing environment in which Managing Agents operate, it has become necessary to adequately train professionals to effectively manage the affairs of communal housing schemes in addition, it is imperative that trustees and committees are better skilled and informed about their management and fiduciary responsibilities, relevant scheme development, and the advantages of employing a professional property manager. Represented in 7 Regions with its headquarters in Pretoria, NAMA has more than 500 members.
The SACPVP is a statutory body established by The Property Valuers Profession Act and works in partnership with the State and the valuers profession to promote a high level of education and training of practitioners in the Property Valuers Profession so as to facilitate full recognition of professionalism in the valuers profession. It enjoys full autonomy – although it is accountable to the State, the profession and the public for the fair and transparent administration of its business in the pursuit of its goals.
As the representative body of the valuation profession in Southern Africa, the Institute is in the business of promoting excellence by setting and maintaining high standards of professional proficiency, ethics and education, striving to provide the appropriate educational programmes, sources of data and information, marketing and creating awareness of the benefits of the professional services of its members to existing and potential clients and monitoring and making representations on relevant legislation in the best interests of its members and their clients.
The SAIA was founded to provide a clear set of industry standards that promote the ethical practice of the auctioneering profession. SAIA is the national association for auctioneers and the stakeholders and clients of the auctioneering industry in South Africa. SAIA also have the publics’ interest at heart, protecting them, and educating them about the auctioneering industry and the advantages to utilise it as an effective means to buy and sell goods and assets.
The representative body and official voice of the commercial and industrial property industry in South Africa,
committed to protecting the interests of their members in terms of ownership, management and development.
The government has established Rental Housing Tribunals in each province to deal with all types of illegal or unfair practice relating to the landlord/tenant relationship. The Tribunals are courts, with powers similar to those of magistrate’s courts.
Tel: 012 358 4403/4291
Tel: 015 294 2000
Tel: 015 284 5000
Address: 28 Market Street & 20 Rabe Street, Polokwane 0700, Limpopo Province
Tel: 013 766 6088
Address: Building No. 6 & 7, No 7 Government Boulevard, Riverside Park Ext 2, Mbombela, Mpumalanga
Tel: 053 830 9425
Address: 9 Cecil Sussman St, Kimberley, Northern Cape
Tel: 018 388 5526/29/31
The ARC was established proactively support the volunteers/members of Homeowners Associations (HOAs) and Bodies Corporate, and their management teams in the achievement of their vision which is to establish, maintain and enhance the value of the properties as well as the lifestyles of their residents.
Legal Sector Regulatory Authorities
The Legal Practice Council is a national, statutory body established in terms of section 4 of the Legal Practice Act, and it regulates the affairs of and exercises jurisdiction over all legal practitioners (attorneys and advocates) and candidate legal practitioners.
Attorneys and advocates in South Africa are registered with the Legal Practice Council in terms of the Legal Practice Act. The LSSA represents the attorneys’ profession and brings together the Black Lawyers Association, the National Association of Democratic Lawyers and provincial attorneys’ associations, in representing the attorneys’ profession in South Africa.
Building/ Renovating Industry Authorities
The NHBRC is a regulatory body of the home building industry, established in accordance with the Housing Consumers Protection Measures Act to ensure that builders comply with building industry standards and to assist and protect housing consumers from any unscrupulous home builders who deliver substandard houses, bad workmanship or poor quality material. Any person who is involved in the business of building homes is required by law to register with the council and failure to do so constitutes a criminal offence punishable by law. The NHBRC certifies builders who meet the prescribed industry standards criteria in terms of technical competence, construction experience and financial capability. The Act also requires all new homes to be enrolled with the NHBRC prior to construction, in order to protect you against poor building practices and to inspect the construction of your home to ensure that it is not exposed to structural failure.
The SACAPSA is the official regulator for the architectural profession. It deals with mediation on behalf of clients for unprofessional conduct by an architect. The law requires all architects, to be registered with the council.
The SACQSP is a regulatory body for the ever-evolving Quantity Surveying profession. The council’s mission is to ensure the developing and maintaining of standards in the profession and the protection of the public within an evolving environment.
The ECSA is a statutory body established in terms of the Engineering Profession Act, and its primary role is the regulation of the engineering profession. Its core functions are the accreditation of engineering programmes, registration of persons as professionals in specified categories, and the regulation of the practice of registered persons. Consequently, the ECSA is the only body in South Africa that is authorised to register engineering professionals and bestow the use of engineering titles on persons who have met the requisite professional registration criteria.
With its immense pool of expertise, the ECA is well-placed to provide members with reliable advice on all aspects of running a safe, efficient and profitable contracting business. It also maintains high standards in the electrical contracting industry and promotes professionalism in the industry.
The Institute of Plumbing South Africa vision is too relentlessly strive to fulfil our mission to raise the standards of plumbing systems, workmanship, material and ethics, for the benefit of our environment and for all members of South African society.
The LPGAS promotes the group interests of all manufacturers, distributors and users of liquefied petroleum gas in the safety thereof and the implementation of responsible practice in connection therewith.