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COL3704 EXAM PACK 2024/2025 (QUESTIONS & ANSWERS)
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COL3704 EXAM PACK 2024/2025 QUESTIONS WITH COMPLETE ANSWERS, COMPILED FROM RECENT PAST EXAM PAPERS. PERFECT FOR EXAM PREPARATION.
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lOMoAR cPSD| 18998289COL3704
October/November 2024
, lOMoAR cPSD| 18998289
COL3704
October/November 2024
UNIVERSITY EXAMINATIONS
October/November 2024
COL3704
Consumer Law
100 Marks
Duration: 4 Hours
First examiner: Mr R van Niekerk
Second examiner: Ms AI Leonard
CONFIDENTIAL
PLEASE READ THE FOLLOWING INSTRUCTIONS CAREFULLY BEFORE
ANSWERING THE EXAMINATION QUESTIONS.
, lOMoAR cPSD| 18998289
COL3704
October/November 2024
SECTION A: NATIONAL CREDIT ACT 34 OF 2005
QUESTION 1
In your own words, indicate what reasons were advanced to support the
promulgation of the National Credit Act 34 of 2005. In your discussion, you must
refer to the relevant prescribed cases. (10)
QUESTION 2
Alvereen wishes to buy household furniture at ABC Furniture Store and applies for
credit while she was in the store. Three days later, she receives a phone call from
Dorothy, an employee of ABC Store, who informs Alvereen that, after receiving
feedback from the credit bureau that conducted the evaluation of her
creditworthiness, her credit application was declined.
With reference to the National Credit Act 34 of 2005, advise Alvereen whether
there are any remedies available to her. (8)
QUESTION 3
Access the Consumer Tribunal’s website and find the following case: National
Credit Regulator vs Tsoelli (Pty) Ltd T/A Tswelopele Cash Loans. This case was heard
on 22 June 2023 and decision was handed down on 6 July 2023.
Read the case and then summarise it as follows: (i) the facts (ii) the legal rules
(iii) the findings and (iv) reasons for the findings. (7)
TOTAL FOR SECTION A: 25 MARKS
SECTION B: DEBT COLLECTORS ACT 114 OF 1998
, lOMoAR cPSD| 18998289
COL3704
October/November 2024
QUESTION 1
In your own words, briefly discuss the arguments for and against requiring attorneys
to register as debt collectors in terms of the Debt Collectors Act 114
of 1998. (5)
TOTAL FOR SECTION B: 5 MARKS
SECTION C: THE CONSUMER PROTECTION ACT 68 OF 2008
QUESTION 1
List FIVE (5) transactions that are exempted from the application of the
Consumer Protection Act 68 of 2008. (5)
QUESTION 2
One of the fundamental consumer rights protected by the Consumer Protection Act
68 of 2008 is the right to privacy.
Discuss how section 16 of the Act protects a consumer’s right of privacy. (8)
QUESTION 3
After watching a bake-off competition on television, Bertha decides to sign up for
baking classes with Superb Bake. Bertha enters a 6-month contract with Superb
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