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Consumer Fundi

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Consumer Fundi

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Consumer Fundi, Legal, Parktown, Johannesburg.

Consumer Fundi is an Alternative Dispute Resolution Agent, registered with the National Credit Regulator, , with a team of registered debt counsellors & professionally experienced case managers for all credit profile dispute services.

06/06/2026

You have more rights than you think. 💪

The National Credit Act was written specifically to protect South African consumers. Most people don't know their rights — and credit providers rely on that.

Here's what Consumer Fundi can do for you as one of only 10 NCR-registered ADRAs in South Africa:

✅ Dispute incorrect credit bureau listings across all 4 bureaus
✅ Challenge unfair credit conduct under the NCA
✅ Dispute reckless lending — when you were given credit you couldn't afford
✅ Assist with judgment removal and rescission
✅ Facilitate your Section 71 clearance certificate after debt review
✅ Identify and assert prescribed debt under the Prescription Act

What we do NOT do:
❌ Debt mediation
❌ Debt restructuring
❌ Debt counselling

We are credit dispute specialists. Legally empowered. NCR-registered.

Your first assessment is FREE.

Reply 𝗬𝗘𝗦 or send us a 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 on 087 376 4813 to get started.

05/06/2026

Q&A Friday 🙋

A huge thank you to everyone who has asked questions and engaged with us over the past 4 weeks. You're proof that South Africans are ready to take back control of their financial lives.

This week's starter Q&As:

Q: How long does the dispute process take with Consumer Fundi?
A: It depends on the type of dispute. Bureau disputes typically resolve within 20 business days under the NCA. More complex matters like judgment rescission or ADRA-mediated disputes can take 4–12 weeks. We keep you updated throughout.

Q: Do I need to pay Consumer Fundi upfront?
A: We offer free initial assessments. Our fee structure is discussed and agreed before any work begins — no hidden costs.

Q: Can Consumer Fundi help if I have multiple issues on my profile?
A: Absolutely — we assess the full picture across all 4 bureaus and tackle each issue systematically.

What's your question today? Drop it below. 👇

04/06/2026

🚫 MYTH: "There's nothing I can do about my credit once it's damaged."

✅ FACT: There is almost always something that can be done — legally.

Here's what most people don't realise:

Many negative listings on SA credit profiles are either:
→ Incorrect (wrong amounts, dates, or information)
→ Procedurally invalid (the creditor didn't follow NCA requirements)
→ Already prescribed (the debt has legally expired under the Prescription Act)
→ Removable (paid-up judgments can be rescinded)
→ Challengeable (reckless lending can be formally disputed)

The credit system in South Africa relies heavily on consumer ignorance. Most people assume that if something is on their profile, it must be there legally, and it must stay.

That assumption is wrong — and it's costing millions of South Africans their financial futures.

Consumer Fundi is one of only 10 NCR-registered ADRAs in South Africa. We know the NCA inside out. We know what credit providers are allowed to do — and what they're not.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

03/06/2026

Real clients. Real disputes. Real outcomes. 🇿🇦

Here's a snapshot of what Consumer Fundi has helped clients resolve as an NCR-registered ADRA:

✅ Judgments removed after formal rescission through the courts
✅ Prescribed debt listings disputed and cleared
✅ Section 71 clearance certificates facilitated
✅ Incorrect bureau listings removed from TransUnion, Experian, Compuscan, and XDS
✅ Reckless lending disputes formally engaged under Section 134 of the NCA

These aren't promises. These are outcomes.

If your credit is holding you back from the life you're trying to build — a home, a car, a business, a job — you have options. You have rights. And you have Consumer Fundi.

1 of only 10 NCR-registered ADRAs in South Africa.
Legally empowered to fight for you.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

02/06/2026

1 in 3 South African credit reports contains at least one error. Is yours one of them? 📋

Common errors we find on credit reports every single day:

🔴 Debts that were paid but still showing as outstanding
🔴 Accounts that don't belong to you (identity mix-ups or fraud)
🔴 Wrong personal details — wrong ID number, address, or employer
🔴 Paid-up judgments that were never removed
🔴 Debt review flags after a Section 71 certificate should have cleared them
🔴 Listings from creditors who didn't follow NCA procedure
🔴 Prescribed debt still being listed

You have the legal right to a FREE credit report annually from each of SA's 4 bureaus:
📋 TransUnion
📋 Experian
📋 Compuscan
📋 XDS

Consumer Fundi checks all 4 on your behalf and disputes every error we find — as an NCR-registered ADRA with the legal authority to do so.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

01/06/2026

Most South Africans are paying debts they legally don't owe. 🛑

Here's exactly how the 3-year prescription rule works:

Under the Prescription Act:

✅ Most debts prescribe (expire) after 3 years
✅ The clock starts from the date of last payment OR written acknowledgment
✅ Once prescribed, the creditor CANNOT collect it
✅ The creditor CANNOT list it on your credit bureau profile
✅ If they continue to list it — that listing can be formally disputed

What does NOT interrupt prescription:
❌ Phone calls from debt collectors
❌ Letters and demand notices
❌ SMS messages

What DOES interrupt prescription:
⚠️ You make a payment
⚠️ You acknowledge the debt in writing
⚠️ The creditor obtains a court judgment

If you've been receiving calls about old debt — do NOT acknowledge it or make any payment before speaking to Consumer Fundi first.

𝗪𝗛𝗔𝗧𝗦𝗔𝗣𝗣 087 376 4813 | consumerfundi.co.za

30/05/2026

Let's be direct. 👇

If any of these apply to you — Consumer Fundi can help.

✅ You have a judgment on your credit report
✅ You've been denied a home loan or vehicle finance
✅ Old paid-up debt is still listed on your profile
✅ You're still showing under debt review after paying up
✅ You were approved for credit you couldn't afford
✅ You have debt that may have legally prescribed (3+ years old, no acknowledgment)
✅ You have incorrect listings from a creditor who didn't follow NCA procedure

This isn't advice. This isn't a tip.

As one of only 10 NCR-registered Alternative Dispute Resolution Agents in South Africa, Consumer Fundi is legally empowered to engage credit providers directly under the NCA and resolve your dispute.

Reply YES to book your free credit assessment today.

WHATSAPP 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 | consumerfundi.co.za

29/05/2026

Q&A Friday — the week 3 edition! 🙋

Drop your question below and we answer every one.

Starter Q&As this week:

𝗤: 𝗜'𝘃𝗲 𝗯𝗲𝗲𝗻 𝗽𝗮𝘆𝗶𝗻𝗴 𝗮 𝗱𝗲𝗯𝘁 𝗳𝗼𝗿 𝘆𝗲𝗮𝗿𝘀 𝘁𝗵𝗮𝘁 𝗜 𝗹𝗮𝘁𝗲𝗿 𝗳𝗼𝘂𝗻𝗱 𝗼𝘂𝘁 𝗺𝗮𝘆 𝗵𝗮𝘃𝗲 𝗽𝗿𝗲𝘀𝗰𝗿𝗶𝗯𝗲𝗱. 𝗖𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗿𝗲𝗳𝘂𝗻𝗱?
A: Unfortunately prescription doesn't work retroactively — it protects you from future collection. But if it was still being listed AFTER it prescribed, that listing can be disputed and removed.

𝗤: 𝗠𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝗶𝘀 𝗴𝗼𝗼𝗱 𝗯𝘂𝘁 𝗜 𝘀𝘁𝗶𝗹𝗹 𝗴𝗼𝘁 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱 𝗳𝗼𝗿 𝗮 𝗯𝗼𝗻𝗱. 𝗪𝗵𝘆?
A: Credit score is just one factor. Affordability assessment, employment status, existing debt load, and the specific lender's criteria all play a role. We can help you identify what's blocking the approval.

𝗤: 𝗖𝗮𝗻 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗙𝘂𝗻𝗱𝗶 𝗵𝗲𝗹𝗽 𝗲𝘃𝗲𝗻 𝗶𝗳 𝗜 𝗹𝗶𝘃𝗲 𝗼𝘂𝘁𝘀𝗶𝗱𝗲 𝗝𝗼𝗵𝗮𝗻𝗻𝗲𝘀𝗯𝘂𝗿𝗴?
A: Absolutely. We assist clients across South Africa — everything can be done remotely via WhatsApp, email and phone.

What's your question this week? 👇

28/05/2026

Your credit card might be hurting your score — even if you pay it on time every month. 🤔

Here's what most people miss:

It's not just about paying. It's about how much of your credit limit you're USING.

This is called credit utilisation — and it makes up 30% of your credit score.

The golden rule: Keep your balance below 30% of your credit limit at all times.

Example:
→ Credit limit: R10,000
→ Keep balance under: R3,000

If you max it out every month (even and pay it off), your score sees high utilisation and drops.

Quick wins for South Africans:
✅ Pay down your store accounts (Edgars, Woolies, Truworths)
✅ Ask your bank to increase your limit without spending more
✅ Split spending across cards instead of maxing one

This is one of the fastest, cheapest ways to improve your score — and Consumer Fundi can show you exactly where to focus.

WHATSAPP 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 | consumerfundi.co.za

Address

Parktown
Johannesburg
2193

Opening Hours

Monday	08:00 - 17:00
Tuesday	08:00 - 17:00
Wednesday	08:00 - 17:00
Thursday	08:00 - 17:00
Friday	08:00 - 17:00

Telephone

+27873764813

Website

https://consumerfundi.co.za/

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