TM Attorneys.INC

14/05/2023

Happy Mother's Day to all the amazing mums out there! We salute you and appreciate everything you do for us. On this most beautiful day, we honor you and thank you for your love and support. You are truly a blessing in our lives. Lots of love! ❤️🌸🌻🌺

12/05/2023

08/05/2023

📢 Attention all Facebook friends in need of exceptional legal assistance!

Look no further than TM Attorneys! Our team of dedicated professionals is committed to providing top-notch legal work in a variety of areas including winding up of estates, criminal matters, family law, labour-related matters, liquor licenses, gambling licenses, and administrative law.

Don't hesitate to contact our offices for a FREE consultation and further advice on any legal business or assistance that you may need on 031-2091555 or 0720932910.Trust us to handle your legal matters with the utmost professionalism and care.

26/04/2023

"Legal representation that you can trust"

Are you in need of legal representation for criminal matters? Do you need a qualified and experienced attorney to represent you in other legal matters? Look no further than Teddy Munusamy Attorneys! Our team of legal experts is headed by Mr Teddy Munusamy, a seasoned professional with over 42 years of experience as a police officer and who is currently an admitted attorney.

Mr Teddy Munusamy has a wealth of experience in criminal analysis and accident investigative procedures, labour related matters,etc. He headed several departments within the Saps including the Durban Flying Squad, Vispol and was also a station commander.Because of this, he has gained an in-depth understanding of the South African legal system, enabling him to provide you with the most reliable legal representation. He is well-equipped to handle cases such as robbery, assault, murder, fraud, and other criminal offences.

At Teddy Munusamy Attorneys, we work hard to deliver the best possible outcome for our clients, offering a personalized approach that ensures each client has their unique needs attended to. We understand that legal matters can be complex and overwhelming, and we strive to ensure that our clients are informed every step of the way.

Apart from criminal matters, we also provide legal representation and support for other areas of law, such as property law, contract law, labour law, and family law. Our team has the expertise to provide quality legal advice and guidance for any legal issue that you may be facing.

We pride ourselves in offering reliable, affordable and quality services to our clients. Our firm operates with the highest level of professionalism, ensuring that we uphold the legal ethics and standards in all our dealings. We are committed to providing timely communication, transparency, and accountability, making TM Attorneys the best choice for all your legal needs.

In conclusion, if you require the services of a well-experienced and dedicated legal team to represent you in your legal matters, look no further than Contact us today to schedule a consultation and take the first step in securing your legal rights!
Call 031-2091555 or 0720932910.
We are situated at 105 Gladys Mazibuko Street, Musgrave, Durban.

23/04/2023

Teddy Munusamy TM Attorneys.INC .

VEHICLE REPOSSESSION

Finances are tight and debts are increasing now you find faced with the threat of vehicle repossession. Vehicle repossession can happen when you are still paying off your vehicle but you are unable to come up with the money you owe to the bank or loan company. The bank might then follow a legal process to take the vehicle back from you to cover their costs. Bear in mind that you as the debtor have rights according to the laws of South Africa.

According to the National Credit Act, any creditor can send you a Section 129 letter of demand if your account is in arrears for 20 days or more. Creditors are allowed to proceed with the collection process after one missed payment. The process that needs to be followed when a vehicle is repossessed is in terms of the Section 123 letter of demand. Should you not respond to the letter of demand, the creditor may proceed to institute further legal action commencing with summons and request for judgement where after the court will issue a warrant of ex*****on authorizing the repossession of your vehicle.

After the vehicle has been repossessed the bank will send the vehicle to an auctioneer. The auctioneer will be authorized to sell the vehicle on behalf of the bank. However, the auctioneer must store the vehicle for a period of ten days, to give you a chance to gather the arrear funds or conclude a repayment arrangement with the bank. If you fail to do so the vehicle will be sold. Please note that often vehicles sold on auctions get sold for less than the amount that you owe to the bank and once the vehicle is sold you will still be held liable to settle the shortfall amount.

The process for repossession of a vehicle is very complex, you need to be careful if a debt collector or representative from the bank comes to you requesting for you to sign forms that allow them to take possession of the vehicle. This is not a legal process, and should you sign, you will consent to the voluntary surrender of the vehicle which you do not have to agree to. Vehicle repossession can only take place via an official and original court order, named a warrant of ex*****on. You would also first have had to have been served with a legal document called a summons which gives you a chance to defend yourself. These documents would have been delivered to you by a sheriff of the court.

If you know you are facing financial trouble and you are not able to make a payment on your monthly vehicle installment you have the option to contact the bank and inform them. The bank will try and assist you by, for example, adjusting your monthly installment or extending your repayment period.

Make sure that the terms of the agreement are in writing and contact us to assist you with ensuring that you reach a mutually beneficial agreement that will prevent you from defaulting on future payments.

Contact our offices should you be faced with this kind of legal situation and we will be happy to run the first consultation free of charge to assist you the best we can.


Teddy Munusamy Incorporated
Attorneys at Law
105 Gladys Mazibuko Street,(old Marriot)
Marriott House
Musgrave
Durban
4001

Tel:031-2091555
Cell:0677574237
Email:[email protected]

23/04/2023

Introduction:

Contracts are a ubiquitous aspect of modern-day commercial transactions, forming the basis of business relationships and agreements. However, in South Africa, there is a growing concern about the proliferation of dubious contracts that exploit unsuspecting parties. This article seeks to explore the types of contracts to beware of in South Africa and provide legal advice on how to avoid being caught in these legal traps.

Understanding Contracts:

A contract is a legally binding agreement entered into by two or more parties with the intention of performing the agreed terms. Contracts can be written or verbal, and they include elements such as consideration, acceptance, offer, and intention to create legal relations. Contracts are governed by the common law and the South African Contract Act of 1981.

Types of Contracts to Beware of in South Africa:

1. Unconscionable Contracts:

An unconscionable contract is a contract that is so one-sided and unfair that it shocks the conscience of an ordinary person. Such contracts usually involve a party taking advantage of another party's vulnerable state, such as an elderly person, an uneducated person, or a person in financial distress. In South Africa, unconscionable contracts are prohibited by the Consumer Protection Act of 2008.

2. Contingent Contracts:

A contingent contract is a contract that is dependent on the occurrence of a particular event. In some cases, the occurrence of the event may be impossible or unlikely, which renders the contract void. It is essential to ensure that the event on which the contract is contingent is certain to happen.

3. Contracts of Adhesion:

A contract of adhesion is a contract where one party has no room for negotiation and must accept the other party's terms or forgo the transaction. These contracts are common in insurance policies and other standard form contracts. It is essential to read the terms and conditions of such contracts carefully and seek legal advice if necessary.

4. Restraint of Trade Contracts:

A restraint of trade contract is a contract that prohibits an employee or former employee from engaging in specific trade or profession for a specified period. Restraint of trade contracts is only enforceable if they are reasonable and to protect the employer's interests. It is essential to seek legal advice before signing a restraint of trade contract.

Legal Advice on Avoiding Dubious Contracts:

1. Read and Understand the Terms:

It is essential to read and understand the terms and conditions of a contract before signing or agreeing to them. If you do not understand the terms, seek legal advice.

2. Seek Legal Advice:

If you are uncertain about the legality or fairness of a contract, it is essential to seek legal advice. A legal practitioner can help you understand your rights and obligations and negotiate favorable terms.

3. Negotiate the Terms:

It is possible to negotiate terms of a contract, especially in cases where one party has significant bargaining power. Negotiation can result in more favorable terms for all the parties involved.

4. Review the Contract Periodically:

It is essential to review the contract periodically to ensure that it is still valid and enforceable. If the terms of the contract have become unfair or one-sided, it is possible to renegotiate the terms.

Conclusion:

Contracts are an essential aspect of commercial transactions in South Africa. It is essential to beware of the types of contracts that can exploit unsuspecting parties. By reading and understanding the terms, seeking legal advice, negotiating terms, and reviewing the contract periodically, it is possible to avoid being caught in these legal traps.

Contact us on 031-2091555 or 0720932910

We are situated at 105 Gladys Mazibuko Street, Musgrave , Durban

17/02/2023

Calling out all Saps members and Ex Saps comrades to join us for a fun filled night at Vill Inns Sport and Pool Bar for a Pool Competition. R100 entry fee for participants 🦯 See you there 👍🏼