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Consumer protection taken to the next level through collaborative efforts of consumer protection stakeholders

28 March 2011 | Credit | General | The National Credit Regulator

The Consumer Protection Forum (CPF) says South African consumers are benefiting from increased levels of protection, mainly due to regulatory measures introduced across different industries.

“Good progress to protect the consumer has been made on all fronts,” says spokesperson for the Forum, Peter Setou. “Whether it is a dispute over contracts or complaints about the quality of products and services, consumers are getting better access to protection, information and advice than ever before.”

An umbrella body for consumer organisations countrywide, the Forum is dedicated to the promotion and protection of consumer rights. It comprises nine Provincial Consumer Affairs Offices, the Independent Communications Authority of South Africa (ICASA), the National Credit Regulator (NCR), Council for Medical Schemes (CMS), Financial Services Board (FSB), the Department of Trade and Industry (DTI), National Energy Regulator of South Africa (NERSA) as well as the newly established National Consumer Commission (NCC).

The Forum points out that during the quarter ending December 2010 more than 2332 consumer complaints were finalised, resulting in more than R 18 million being put back into consumers’ pockets.

“According to our analysis of consumer complaints trends, furniture and household complaints are in the majority followed by cellphones, credit-related matters and other financial services,” says Nivard Lubisi, Consumer Protector in Mpumalanga Province. “Complaints regarding the telecommunications industry also seem to be on the rise.”

Lubisi says more complaints are being registered as more channels for redress are opened to consumers. “The implementation of the National Credit Act and introduction of the Consumer Protection Act has also been instrumental in achieving higher levels of consumer protection. Important work done by the provincial authorities and Consumer Affairs Offices as well as Sector Regulators has also helped ensure that consumers really benefit from these protection measures,” he adds.

Over the past year, the Forum has been engaged in a number of important initiatives including:

· participating in the drafting of the Consumer Protection Act;

· engaging different provincial legislatures to determine the effectiveness of consumer protection measures and to provide them with feedback on the state of consumer protection in the country including how the challenges are being dealt with;

· collating and analysing information from the nine provinces, Ombud schemes and regulators regarding consumer complaints; and

· implementing public education campaigns.

“To give effect to consumer protection legislation, consumers need to be educated about their rights and responsibilities,” says Advocate Fati Manamela, Chief Director Consumer Affairs and Business Regulation, Gauteng Province. “Education forms an important part of our work and we have spearheaded a number of joint educational programmes with different stakeholders in the industry.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

Lubisi says more complaints are being registered as more channels for redress are opened to consumers. “The implementation of the National Credit Act and introduction of the Consumer Protection Act has also been instrumental in achieving higher levels of consumer protection. Important work done by the provincial authorities and Consumer Affairs Offices as well as Sector Regulators has also helped ensure that consumers really benefit from these protection measures,” he adds.

Over the past year, the Forum has been engaged in a number of important initiatives including:

· participating in the drafting of the Consumer Protection Act;

· engaging different provincial legislatures to determine the effectiveness of consumer protection measures and to provide them with feedback on the state of consumer protection in the country including how the challenges are being dealt with;

· collating and analysing information from the nine provinces, Ombud schemes and regulators regarding consumer complaints; and

· implementing public education campaigns.

“To give effect to consumer protection legislation, consumers need to be educated about their rights and responsibilities,” says Advocate Fati Manamela, Chief Director Consumer Affairs and Business Regulation, Gauteng Province. “Education forms an important part of our work and we have spearheaded a number of joint educational programmes with different stakeholders in the industry.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

An umbrella body for consumer organisations countrywide, the Forum is dedicated to the promotion and protection of consumer rights. It comprises nine Provincial Consumer Affairs Offices, the Independent Communications Authority of South Africa (ICASA), the National Credit Regulator (NCR), Council for Medical Schemes (CMS), Financial Services Board (FSB), the Department of Trade and Industry (DTI), National Energy Regulator of South Africa (NERSA) as well as the newly established National Consumer Commission (NCC).

The Forum points out that during the quarter ending December 2010 more than 2332 consumer complaints were finalised, resulting in more than R 18 million being put back into consumers’ pockets.

“According to our analysis of consumer complaints trends, furniture and household complaints are in the majority followed by cellphones, credit-related matters and other financial services,” says Nivard Lubisi, Consumer Protector in Mpumalanga Province. “Complaints regarding the telecommunications industry also seem to be on the rise.”

Lubisi says more complaints are being registered as more channels for redress are opened to consumers. “The implementation of the National Credit Act and introduction of the Consumer Protection Act has also been instrumental in achieving higher levels of consumer protection. Important work done by the provincial authorities and Consumer Affairs Offices as well as Sector Regulators has also helped ensure that consumers really benefit from these protection measures,” he adds.

Over the past year, the Forum has been engaged in a number of important initiatives including:

· participating in the drafting of the Consumer Protection Act;

· engaging different provincial legislatures to determine the effectiveness of consumer protection measures and to provide them with feedback on the state of consumer protection in the country including how the challenges are being dealt with;

· collating and analysing information from the nine provinces, Ombud schemes and regulators regarding consumer complaints; and

· implementing public education campaigns.

“To give effect to consumer protection legislation, consumers need to be educated about their rights and responsibilities,” says Advocate Fati Manamela, Chief Director Consumer Affairs and Business Regulation, Gauteng Province. “Education forms an important part of our work and we have spearheaded a number of joint educational programmes with different stakeholders in the industry.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

Lubisi says more complaints are being registered as more channels for redress are opened to consumers. “The implementation of the National Credit Act and introduction of the Consumer Protection Act has also been instrumental in achieving higher levels of consumer protection. Important work done by the provincial authorities and Consumer Affairs Offices as well as Sector Regulators has also helped ensure that consumers really benefit from these protection measures,” he adds.

Over the past year, the Forum has been engaged in a number of important initiatives including:

· participating in the drafting of the Consumer Protection Act;

· engaging different provincial legislatures to determine the effectiveness of consumer protection measures and to provide them with feedback on the state of consumer protection in the country including how the challenges are being dealt with;

· collating and analysing information from the nine provinces, Ombud schemes and regulators regarding consumer complaints; and

· implementing public education campaigns.

“To give effect to consumer protection legislation, consumers need to be educated about their rights and responsibilities,” says Advocate Fati Manamela, Chief Director Consumer Affairs and Business Regulation, Gauteng Province. “Education forms an important part of our work and we have spearheaded a number of joint educational programmes with different stakeholders in the industry.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

Internationally, March 15 is celebrated as World Consumer Rights Day and in South Africa; the Forum has dubbed March as the Consumer Rights Month. To mark the occasion, the Consumer Protection Forum put together a number of programmes aimed at educating consumers. The international theme adopted by the Forum this year was “Consumers for fair financial services”.

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“We aim to improve awareness amongst consumers about their rights and how they can go about protecting them,” says NCR senior manager: education and strategy, Peter Setou. “Campaigns focus on providing practical tips to consumers on how to manage their personal finances, understand the terms and conditions of contracts they enter into, improve their financial literacy and take action if they feel that their rights have been infringed.”

He says the NCR also aims to simplify the complexities and technicalities of consumer protection law so that consumers better understand their rights and obligations.

During the past year, the NCR also intervened in a number of consumer protection cases, providing legal opinion and expertise and were successful in ensuring that consumers’ rights were upheld. A task team established by the NCR also played a role in encouraging credit providers and debt counsellors to commit to ethical behaviour through the development and promotion of codes of conduct for the industry.

He says this holistic approach has helped many consumers demand fair treatment and made businesses more aware that they face legal consequences should they fail to protect consumers.

In order to share local experiences and best practices with other consumer protection bodies from across the world, members of the Forum participated in international forums such as the Organisation for Economic Cooperation and Development (OECD) and International Network on Financial Education (INFE). It will also be sending a delegation to the Consumer International Congress in Hong Kong during May 2011 and an OECD International Conference focusing on consumer education and consumer protection during November 2011 to be held in South Africa.

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

“In the year ahead the Forum will focus on fostering cooperation and collaboration amongst role players to maximise our impact in informing and protecting consumers,” says Setou. “We would like to see the business community too taking proactive steps to help achieve this goal.”

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If you had to hazard a guess, when do you reckon the COFI Bill will be signed into law?

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