Section 129(1) of the National Credit Act 34 of 2005 and the need to modernise delivery of notices: A consideration of Viljoen v FirstRand Bank Limited t/a WesBank (unreported case no 16593/2022) – Gauteng Division, Pretoria, delivered on 13 June 2025

The notice required to be sent in terms of section 129 serves not only to inform consumers of their default but also refers consumers to several remedies available under the NCA. Unfortunately, despite its noble goals, section 129 has been controversial from an interpretational perspective. Although section 129 may be considered one of the most significant sections of the NCA, this section is the most ambiguous from a legal point of view.