Most people have some kind of credit or loan. Credit is useful because it allows you to buy goods when you need them. There are numerous regulations and protections in place to ensure that creditors and lenders do not exploit you, but the best protection is to ensure that you know what your rights and duties are.  > 

If you are unhappy with a service or a product, you have the right to lodge a complaint. You can lodge consumer complaints with Consumer Affairs and Fair Trade.  > 

The Office of the Consumer Protector provides information to the public on their rights as consumers.  > 

The 2004 National Consumer Survey found that very few South Africans know what their consumer rights are. This short publication sets out the eight internationally recognised consumer rights that underpin consumer rights organisations and campaigns. These rights are not the same as the human rights contained in the constitution, although they are complementary in many ways.  > 

The results of this survey show that South African consumers do not have a clear idea of what their consumer rights are. A large number of respondents siad that they would like more information about all aspects of consumer rights.  > 

This brochure contains information on consumer rights and tips on how to avoid unwise purchases.  > 

This brochure provides information on the rights and duties of sellers and buyers who enter into lay-by agreements.  > 

This brochure contains information on what to take into consideration before opening a line of credit and what to do if you cannot make your repayments or if you want to pay off the debt early.  > 

This brochure provides information on the sheriffs of the court and their duties.  > 

This brochure contains consumer information on buying a new car or having your car repaired.  > 

This handbook contains information on consumer rights and consumer organisations. It also contains a simplified complaints procedure and tips on how to be a smart customer.  >