Your Rights When a Loan Is Handed Over to Collections

If your loan is handed to a debt collection agency, you keep important legal rights under South African law. The collector must be registered, identify themselves, treat you fairly, and only contact you at reasonable hours. You can request written proof of the debt and negotiate a repayment arrangement directly with them.

Your Rights When a Loan Is Handed Over to Collections

If your loan has been handed over to a debt collection agency, it means eKasi Pay Credit has appointed a registered collector to manage your account.

Your rights under South African law

1. The collector must be registered with the Council for Debt Collectors
2. They must identify themselves and provide details of the debt
3. They cannot harass, threaten, or intimidate you
4. They may only contact you during reasonable hours
5. You can request written proof of the debt
6. You can negotiate a repayment arrangement with the collector
7. You may apply for debt counselling through a registered counsellor

What handover means for your account

• The collection agency will contact you to discuss repayment
• A commission is charged on amounts collected, which may increase the total cost
• Your account may be reported to the credit bureau
• If no arrangement is reached, legal action may follow

We encourage you to cooperate with the collection agency. Resolving the matter quickly prevents further costs and legal proceedings.

If you believe a collector is acting unlawfully, lodge a complaint at www.debtcollectors-council.co.za.

For what to expect next, read What to Expect During the Collections Process and What to Do When Your Loan Is Handed Over to Collections.