1. PRESENTATION ON CONSUMER PROTECTION
DATE :
VENUE :

2. Presenter Presentation by Ms Director: Education and Compliance
Office Consumer Protection,
Consumer and Corporate Regulation Division
Department of Trade and Industry
Contacts :
Tel
Fax T

3. Introduction Purpose:
To provide a broad overview of the Office of Consumer Protection, the legislation we administer and the key prohibitions.
Role of Compliance:
To encourage, facilitate and monitor voluntary compliance
To minimize financial and legal risk to business and consumers
Tools/ processes used to achieve the above:
Presentations/ Workshops
Advisory opinions/ Clarifications
Information/ business contacts and meetings
National Education Campaigns T

4. OCP
The National Office of Consumer Protection (OCP) is a Chief Directorate within the Consumer and Corporate Regulation Division of the department of Trade and Industry.
The OCP:
Administers the Unfair Business Practices Act 71 of 1988 as amended;
Protects consumers against unfair business practices;
Promotes the spirit of fair trade between the consumer and supplier;
Educates consumers about their rights and responsibilities; and
Investigates and resolves mattes relating to unfair business practices.
Note: There are 9 Provincial Consumer Affairs offices that have jurisdiction within their respective provinces. T

5. OCP (cont’d) Education and Compliance Outreach & Campaigns
Consumer enquires/ complaints
Business education
Legal Support and Prosecution
Provides legal advice
Prosecutions and court matters
Complaint Resolution
Alternative Dispute Resolution
Referrals T
Investigations
Informal and Formal investigations on behalf of the Consumer Affairs Committee

6. UBP Act
The purpose of the Unfair Business Practices Act (No 71 of 1988) as Amended
To provide for the prohibition or control of certain unfair/ harmful business practices; and for matters connected therewith.
CAFCOM
The Act establishes a Consumer Affairs Committee (CAFCOM), which serves as an advisory body to the Minister of Trade and Industry
CAFCOM makes recommendations to the Minister to prohibit unfair business practices.
Contraventions of these prohibitions will result in a fine of up to R or 5 years imprisonment.
Regulations prohibiting or prescribing specific criteria for business conduct are published in the Government Gazette and can be accessed on the dti website. T

7. Investigative Process
The OCP is responsible for all investigations into matters that may be defined as; or alleged to be unfair business practices.
Investigators receive complaints and refer matters to CAFCOM for approval to conduct either section 4 or section 8 investigations.
- Section 4 (1) (c) investigation - preliminary
- Section 8 investigation - formal
(Sec 8 (1)(a) - specific and Sec 8 (1)(b) - general investigation)
Cafcom submits reports to the Minister and the Minister may gazette a notice to suspend a practice until finalisation of the investigation to prevent further damage.
The Minister may further direct any person to refrain from perpetuating the
practice directly or indirectly, e.g. advertising, becoming a party to
arrangements, deriving interest or income, etc. T

8. Investigative Process (cont’d)
A person or entity aggrieved by the decision of the Minister may appeal.
If the Minister, on receipt and consideration of the report by the Committee is of the opinion that the investigated matter is an unfair business practice or is not in the public interest, he may declare the practice unlawful and therefore prohibited.
Prohibitions contravened are referred to enforcement agencies such as SAPS and NPA for criminal prosecution. T

9. Prohibition Notices
Herewith some of the key prohibition notices administered by the OCP:
Parallel/ Grey Goods
Work from Home Schemes
Inertia Selling
Quasi Legal Documents
Transport Contracts
Public Property Syndication
Money Making schemes (including Pyramid Schemes)
Speculative Software
Mail Order Entities T

10. Parallel/ Grey Goods Definition/s:
Parallel importing: refers to a business practice where goods which were intended for sale in one national market(UK) are exported from their original destination to another country(SA)
Parallel import products: are goods which are imported and sold without the express authorisation of the trademark owner
Advertised: includes lessor
Sellers: includes promoters, displayers
Conduct Prohibited:
The Regulation prohibits the advertisement/ promotion/ offering for sale of parallel goods without disclosing to consumers that:
The sellers are not authorised distributors by the Trade Mark Owner
The authorised distributor has no obligation to honour warranties/ guarantees and/ or after-sales services. T

11. Parallel Goods (cont’d)
Compliance
Sellers must include in all forms of advertising or promotion the below wording in conspicuous size and without change:
“ the authorized South African distributor of this product is under no obligation to honour the manufacturer’s guarantees/warrantees or to provide after-sales services”
Penalties and Fines
Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 9 February 2007 in GG No 29600, Notice No 107 of 2007 T

12. Work from Home Schemes
Definition: refers to any advertisement in which a work from home opportunity is offered in any media, either print, electronic or any other method of advertising.
Conduct Prohibited
Advertisements of an opportunity to work from home, example:
Addressing/filling of envelopes
Gathering of names and addresses for labels
Compiling of data
Exclusions: the following are not considered work from home opportunity:
Typing work ( provided)
Direct selling (provided) T

13. Work from Home Schemes
Compliance: in order to comply, individuals or entities should refrain from advertising work from home opportunities.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 20 April 2007 in GG No 29823, Notice No of 2007 T

14. Inertia Selling
Definition: refers to a business practice whereby goods and services are supplied to consumers without their explicit consent and the supplier subsequently demands or effect payment.
Inertia selling manifest itself in two forms, namely:
Negative option marketing (existing client)
Unsolicited marketing( unknown)
Conduct Prohibited: it is unlawful for supplier to charge/demand payment for goods or services that were unsolicited and not consented to by consumers. T

15. Inertia Selling
Compliance: suppliers must always ensure that goods or services supplied are beforehand consented to by the consumer.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 21 February 2005 in GG No 27312, Notice No 304 of 2005 T

16. Quasi Legal Documents
Definition: refers to a business practice whereby attorneys and collecting agents use communication method that purports that there is legal process when collecting their claims.
Conduct Prohibited: simulation or creation of impression that there is legal process whilst the situation is that there is not. T

17. Quasi Legal Documents
Compliance: the attorneys and collecting agents should only send genuine letters of demand or summons to consumers when collecting claims that are due and payable.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 30 March 2006 in GG No 28686, Notice No 455 of 2006 T

18. Transport Contracts
Definition: refers to an agreement for the use of a vehicle where the intermediary receives payment for the arrangement of the contract.
Conduct Prohibited: to include provision in the transport contract to the effect that the intermediary will be entitled to cancel the contract on the grounds of the breach of contract by the client.
Compliance: the intermediary not to include the provision mentioned above.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 04 November 1994 in GG No 16052, Notice No 1180 of 1994 T

19. Public Property Syndication
Definition: refers to a group of people who come together to invest in assets and they share in profits and losses.
Conduct Prohibited: the regulation requires the promoters of the syndication to disclose certain matters to the prospective investors. See the notice and check list provided. T

20. Promulgated on 30 March 2006 in GG No 28686, Notice No 459 of 2006
Property Syndication
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 30 March 2006 in GG No 28686, Notice No 459 of 2006 T

21. Money Making Schemes Introduction:
money making schemes are schemes designed to swindle consumers of their money.
The schemes are characterized by only a few investors benefiting at the expense of others.
In terms of the regulations there are three kinds of money making schemes, namely:
Multiplication schemes
Chain letter schemes
Pyramid promotional schemes T

22. Money Making Schemes Definitions:
Multiplication scheme refers to a participation in a scheme that offers the investors an effective annual interest rate of 20% and more above the repo rate determined by the south African Reserve Bank on the capital invested.
Chain letter scheme refers to a scheme whereby a investor is invited to enter into agreement with the promoter of the scheme and by payment of money, the investor is bound to recruit others and he/she will be compensated based on recruitment of others.
Pyramid promotional scheme refers to a scheme by which investors pays money for the opportunity to receive compensation which is derived primarily from the recruitment of others and not from the sale of products by the investor. T

23. Money Making Schemes
Conduct prohibited: it is against the law for any person to establish or participate in these schemes.
Compliance: the promoters and participant must ensure that the schemes they establish or participate in involves compensation from the provision of services or sales of products. The promoters must further ensure that interest afforded by the scheme does not exceed 20% above the repo rate.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 9 June 1999 in GG No 20169, Notice No 1135 of 1999 T

24. The notice set certain conditions:
Speculative Software
Definition: software which claims to assist consumers to understand securities and exchanges, enabling them to trade profitably in these and/ or software which claims to predict the outcome of horse races.
Prohibition Notice:
The notice set certain conditions:
that the buyer is entitled to cancel the contract within five days of signature,
that the buyer pays a once off payment by cash, cheque or credit card
undertaking by the seller that he/she has not made any verbal promises which are not printed in official literature of the firm; and
the terms, conditions and cost involved were explained to the buyer and the buyer has a copy of the contract. T

25. Promulgated on 21 February 2005 in GG No 27313, Notice No 305 of 2005
Speculative Software
Compliance: the conditions mentioned above should be incorporated into the contract and must be adhered to by the supplier.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 21 February 2005 in GG No 27313, Notice No 305 of 2005 T

26. the consumer does not win any prize unless he/she fulfils a condition;
Mail Order Selling
Mail order selling is defined as: the business practice whereby mail‑order entities, inform consumers or potential consumers, by any means whatsoever, that they have won a sum of money or any other prize.
The mail order entity may require a consumer to send a sum of money to claim a prize; or
Consumers receive junk mail to the effect that they have won a prize or money;
The conditions attached are not mentioned in the headline or in readable font.
Prohibited conduct:
the consumer does not win any prize unless he/she fulfils a condition;
such money or prize is subject to suspensive conditions prior to entitlement, and
the suspensive conditions are not clearly printed or spelt out to the consumer;
consumers are required to send a sum of money in order to claim the prize. T

27. Allege that the consumer has won a prize, whilst it is not the case;
Mail Order Selling
Compliance: in order to comply with the regulation, the retailers should refrain from the following:
Allege that the consumer has won a prize, whilst it is not the case;
Insist that the prize is subject to a condition, whilst the condition was not disclosed upfront;
Claiming money from the consumers in order to receive a prize.
Penalties and Fines:Any person who fails to comply may be prosecuted and upon conviction shall be liable to a fine not exceeding R and/or to imprisonment not exceeding 2 years.
Promulgated on 21 February 2005 in GG No 27311, Notice No 303 of 2005 T

28. Legislative Authority:
Merchandise Marks Act
Legislative Authority:
Merchandise Marks Act No 17 of 1941 (Sections 10 and 11)
General Notice 1831 of 2006 (14 December 2006)
Code of practice – Care-labelling of textiles and clothing (SABS 011)
Code of practice – Fibre-content labelling of textiles and textile products (SABS 0235)
Customs and Excise Act (Section 113 (8))
Purpose:
Import restriction (Applicable to South Africa only)
To inform consumers about the products they buy –Country of Original
To promote the buying of local goods
Labelling will also apply to locally manufactured products, including products made from imported fabrics. T

29. Country of Origin Labelling
What is covered by Labelling? Why is it important?
Country of origin: Where does the product come from?
Care-labelling: How to care for the product after you have bought it?
Fibre-content labelling: What materials / fibres are the product made of?
Reconditioned, rebuilt or remade: Is this a used product that have been reworked?
Investigative powers:
Section 3 - subject to the laws governing the public service, the Minister may appoint such officers as he or she may deem necessary for carrying out the provisions of this Act. T

30. COOL Requirements
The Notice is in terms of sections 10 and 11 of the Merchandise Marks Act 17 of 1941.
Requirements:
The notice prohibits the importation and or sale of goods specified in in the schedule, irrespective of whether the goods were made in South Africa unless:
The product states the country of origin.
That a locally manufactured product using imported materials must state made in South Africa from imported materials.
They conform to the South African national standards for fibre content and care labeling in accordance with Notice 2410 of 2000.
There shall, if after they have been reconditioned, rebuilt or remade whether in the Republic or elsewhere, be applied to them in a conspicuous and easily legible manner, the words stating clearly that they have been reconditioned, rebuilt or remade, as the case may be. T

31. Exclusions, exemptions
Imported goods cleared prior to 14 April 2007
Warehouse for export (WE)
Cleared in transit to destination outside SACU (RIT)
Exemptions
There will be no exemptions from labelling requirements
Application
Will apply to new and second-hand goods for domestic sale
Re-imported goods for domestic sale
Goods cleared ex-warehouse
Locally manufactured goods T

32. Responsibilities The dti
Is responsible for the enforcement of the Merchandise Marks Act
Inspectors appointed by the dti will be responsible to verify compliance in the domestic market.
SARS Customs
While goods are under customs control, i.e. at the time of first clearance and goods cleared from storage warehouses, Customs will verify, detect, detain, notify and act on instructions from the dti.
Dispose of goods as directed T

33. China, Produced in China, Manufactured in China
Application of Labels
How must labels be applied?
In respect of country of origin:
Directly on the fabric, i.e. printed on the goods
On a label securely attached, i.e. sewn-in label on the goods
In respect of fibre content
On packing or on a label attached to the packing
On a non-permanent label attached to the goods, i.e. a swing or adhesive label
A note contained in or on a document accompanying the goods, i.e. brochure, pamphlet, etc.
Sets need only have a label on one item provided it is of the same fibre-content
One giving brand name/ manufacturer, the size, the country of origin and the fibre-content
The other giving the care instructions
Could also be any combination
China, Produced in China, Manufactured in China T

34. Pants: Sewn on the back pocket sleeve on the inside
Examples
Pants: Sewn on the back pocket sleeve on the inside
Jackets: Sewn in the inside of the right hand pocket
Shoes: Sewn under the tongue, printed / sewn on the inner side wall
Undergarments: At the back in the centre on the ribbing
Shirts: Sewn into the inside of the side seam T

35. Penalties and Fines
Non-compliance with the Notice is a criminal offence and any person found guilty of an offence in terms of the Act, except section 5, shall be liable to:
in the case of a first conviction to a fine not exceeding R5 000 for each article to which the offence relates, or imprisonment for a period not exceeding three years or to both a fine and imprisonment;
in the case of repeat offenders to a fine not exceeding R for each article to which the offence relates, or to imprisonment for a period not exceeding five years or to both the fine and imprisonment.
Any person convicted of an offence in terms of section 5 shall be liable to a fine or to imprisonment for a period not exceeding six months.
The court may in addition to any penalty, which it may impose, order the confiscation of all or any part of the goods of which the offence was committed, and such goods shall be disposed of in a manner prescribed by the Minister. T

36. Consumer Protection Act
70% of the contents of the CPA are not new and derives from the repeal, consolidation and re-enactment of useful provisions in existing legislation. Proposed full and partial repeals are:
Consumer Affairs (Unfair Business Practices) Act, 1988 (Act No. 71 of 1988),
the Trade Practices Act, 1976 (Act No. 76 of 1976),
the Sales and Service Matters Act, 1964 (Act No. 25 of 1964),
the Business Names Act, 1960 (Act No. 27 of 1960),
the Price Control Act, 1964 (Act No. 25 of 1964),
Merchandise Marks Act, 1941 (Act No. 17 of 1941); (Partial repeal)
Lotteries Act (Section 54 and regulations only)
Harmonization with existing legislation –
Electronic Communications and Transactions Act
Insurance Laws
Medical Schemes Act
Standards Act
Health and Agricultural laws T

37. Consumer Protection Act The Act has 7 chapters and 2 schedules
Chapter 1: Interpretation, purpose, policy & application,
Chapter 2: Fundamental Consumer Rights (equality, privacy, choice, disclosure, information, responsible marketing, honest dealing, fair value, good quality and safety, accountability
Chapter 3: Protection of consumer rights and consumer’s voice (right to be heard and obtain redress, investigations, redress by the courts, role of civil society)
Chapter 4: Business names and Industry Codes of Conduct
Chapter 5: National Consumer Protection Institutions (National and Provincial Cooperation, Establishment of National Consumer Commission, Functions of National Consumer Commission)
Chapter 6: Enforcement of the Act (Enforcement by Commission,investigative powers, Offences & penalties)
Chapter 7: General Provisions
Schedule 1: Consequential Amendments
Schedule 2: Transitional Provisions
Explanatory Memorandum T

38. PART A: Definitions and Interpretation:
Chapter 1
PART A: Definitions and Interpretation:
Act expands on the conventional definition of “consumer” by:
Including users, beneficiaries or recipients of goods and services so as to extend redress to third parties especially with regards to product liability; and
Including franchisees who currently have very limited protection through a voluntary industry code of conduct.
Definition of supplier not limited to retailers only but to any public or private entity that promotes or supplies goods and services to consumers. T

39. Part B: Purpose and Policy of the Act
Chapter 1
Part B: Purpose and Policy of the Act
To promote and advance the social and economic welfare of consumers in South Africa by:
Establishing a legal framework for the achievement of a fair, accessible, responsible and sustainable market;
Reducing any disadvantages experienced in accessing the supply of goods and services by low income, low literacy, rural and vulnerable consumers;
Promoting fair business practices;
Protecting consumers from unfair and deceptive conduct;
Improving consumer awareness;
Providing for an accessible, efficient and effective system of redress; T

40. Franchise offers, solicitations and agreements
Chapter 1
Part C: Application:
The Act will apply to:
Suppliers (For profit or non profit) that promote or supply supply goods or services to consumers across all sectors of the economy unless exempted;
Government institutions or any entity contracted by the state to provide goods or services to consumers; and
Franchise offers, solicitations and agreements
Any business to business transaction subject to a threshold to be set through regulation
The Act will not apply to:
Instances where the state is the consumer;
Transactions exceeding a threshold value set by the Minister and where the goods or services are supplied to a person in the supply chain who in the ordinary course of business markets the goods for resale or applies or uses them to produce other goods
Advisory Services regulated by FAIS (Financial Advisory and Intermediary Services) and other financial services regulated by the short and long term insurance Acts; T

41. On application by a regulatory authority;
Chapter 1
Exemptions:
Limited or general exemptions may be granted under the following circumstances:
On application by a regulatory authority;
If the provisions of the CPA overlap or duplicate an existing law or treaty, international law, convention or protocol that SA has accented to;
If the provisions of the other law ensures consumer protection as well as the CPA;
If the applicant accepts the conditions of exemption set by the Minister in order to achieve the purposes of the CPA.
Note:
Transactions with the state as the consumer will not be exempted from sections 61 and 62 that deal with product safety and liability.
All other qualifying transactions will need to comply with section 61 (product liability) irrespective their exemption status. T

42. Part A: Right of equality to consumer market:
Chapter 2
New set of rights based on internationally accepted and UN adopted consumer rights.
Part A: Right of equality to consumer market:
prohibit any form of unfair discrimination in line with the Equality Act and the Constitution. The Equality Court has jurisdiction to adjudicate cases on referral from the Consumer Commission.
Part B: Right to privacy:
Limits unfettered use of consumer’s personal information for unsolicited direct marketing campaigns by requiring all direct marketers to provide consumers with an “Opt out” option for unsolicited marketing communication. Consumers can also register a pre emptive block on a register to be operated by government or industry.
Part C: Right to Choose
Prohibits automatic renewal of fixed term agreements
Requires quotes for maintenance and repair services
Provides for 5 day cooling off for direct marketing
Provides for right to return goods and receive refunds within fifteen days T

43. Part D: Disclosure and information:
Chapter 2
Part D: Disclosure and information:
Facilitates access to simple and transparent contracts and improves disclosure by:
Giving consumers the right to information in plain and understandable language
Requiring the compulsory display of prices and provision of transaction records
Requiring product labels and trade descriptions not to be misleading;
Part E: Fair and responsible advertising, marketing and promotion:
Prohibits unfair marketing practices (bait, referral, negative option.)
Regulates promotional competitions
Sets standards for customer loyalty programs
 Part F: Fair and honest dealings
Prohibits false, misleading and deceptive representations;
Prohibits overselling and overbooking;
Prohibits unconscionable conduct T

44. Part G: Right to Fair, just and reasonable terms and conditions
Chapter 2
Part G: Right to Fair, just and reasonable terms and conditions
Prohibits unfair, unreasonable or unjust contract terms
Requires consumers to be given free copies of contracts
Outlaws unilateral changes to contracts
Outlaws certain types of agreements (minors, negative option, etc)
Outlaws any form of contracting out
 Part H: Right to Fair Value, Good Quality and safety:
Facilitates access to quality service, safe goods and services and redress by:
Providing statutory warranties for safety and quality
Introducing a general product safety monitoring and recall regime
Extending strict liability to retailers for illness, injury, damage to property and death as a result of defective goods or improper labeling    T

45. Protection of Consumer Rights and Consumer’s Voice
Chapter 3
Protection of Consumer Rights and Consumer’s Voice
Part A: Consumer’s right to be heard and obtain redress
Prevents suppliers from discriminating, intimidating or penalizing consumers who seek to enforce their rights;
Provides for various access points for consumers to lodge complaints (accredited ombudsman, provincial structures, the Commission and Tribunal)
Provides for alternative dispute resolution and for agreements reached through this process to be recorded as consent orders that can be confirmed by the courts
Consumers can at all times approach the Commission, which can refer to the relevant institutions
Part B: Commission Investigations
Commission provided with powers to engage in proactive & reactive investigations
Commission can negotiate consent orders that may include the award of damages to a complainant
Introduces system of administrative enforcement through compliance orders T

46. Part C: Redress by the Courts
Chapter 3
Part C: Redress by the Courts
Courts have the power to order suppliers to alter or discontinue any conduct that is inconsistent with the Act;
Award damages against a supplier for collective injury to all or a class of consumers and also decide on the just and equitable distribution of such damages.
Part D: Support of Consumer Protection Groups
Provides for the Commission to co-operate with, facilitate or support various activities by consumer protection groups (education, research, market monitoring, advocacy and alternative dispute resolution)
Provides for accredited consumer groups to take up matters on behalf of consumers through the Commission, Tribunal and the Courts. They can also initiate complaints.
Consumer Groups have to meet specified criteria in order to be accredited and the Commission plays a monitoring role. T

47. Business Names and Industry Codes of Conduct Part A: Business Names
Chapter 4
Business Names and Industry Codes of Conduct
Part A: Business Names
Repeals the Business Names Act and incorporates its provisions into the CPB
It decriminalizes some of the conduct related to Business names
It provides for “trading as” names to be registered with CIPRO
Part B: Industry Codes of Conduct
Recognizes self regulation and gives it statutory backing by:
Providing for the Minister, on the advice of the Commission, Minister can prescribe, approve or withdraw an industry code
Accrediting dispute resolution schemes like Ombudsman. This excludes those already accredited in terms of the FISOS (Financial Services Ombudsman Schemes) Act
Providing the Commission with monitoring and evaluation powers in relation to the effectiveness of industry dispute resolution schemes and codes of conduct T

48. Regulatory Agencies and Administration of the Act
Chapter 5 & 6
Regulatory Agencies and Administration of the Act
National Consumer Commission (Currently Office of Consumer Protection within dti)
education, enforcement, market surveillance and coordination
National Consumer Tribunal (established in the National Credit Act)
adjudication of cases referred by Commission, and
appeal of administrative decisions by Commission
Offences and Penalties
Decriminalizes conduct and deals with it through a system of administrative enforcement through compliance notices
Introduces administrative penalties through the Consumer Tribunal
The Courts can impose penalties for offenses and have sole jurisdiction over contractual issues T

49. Services offered by OCP
The Education and Compliance directorate is mandated to assist consumers and business with education and compliance with legislation and notices administered by the division through offering the following:
Clarifications & Advisory opinions
Presentations & workshops
Self help advice and assistance
Escalation of consumer complaints to the office.
To request Compliance related services:
Contact Mr Aubrey Mathope at or or Ms Bulelwa Hewu at or
Write to: The Chief Director, Office of Consumer Protection, Consumer and Corporate Regulation Division, Private Bax X84, Pretoria, 0001. T

50. THANK YOU
QUESTIONS? T