Tiaan Koen van VDT Prokureurs brei uit oor serwitute en fokus op grond serwitute in die 8 November 2019 uitsending van GROOTplaas op kykNET.
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Checkmate for Pawn Agreements: How the Recent SCA Judgment Protects Consumers from Pawnbroker Profits
In a landmark judgment delivered on 9 April 2025, where VDT Attorneys acted on behalf of the National Credit Regulator, the South African Supreme Court of Appeal (the “SCA”) brought clarity to the rights and obligations of consumers and pawnbrokers when dealing with pawned goods. In the case of The Loan Company (Pty) Ltd v National Credit Regulator and Another (1104/2023) [2025] ZASCA 40, the SCA confirmed a critical principle, i.e. if a pawned asset is sold for more than the outstanding loan and lawful charges, the surplus must be refunded to the consumer. Pawnbrokers cannot lawfully keep the full sale proceeds. This ruling marks a major victory for consumer protection, reinforcing South Africa’s commitment to fairness in credit transactions.
