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We will charge you collection costs each time you miss one or more payments, or you do not pay on the Due Date, and as a result of which we have to write a letter or email, send a SMS or call you to advise you of your default. You can contact customer services for more information. You should receive it shortly. Public Holidays: 09h00 - 17h00. 12.2 Your Rate charged on your chosen Plan is a variable rate, linked to the FGRR, which means it can change. We may also hand your Account over to Attorneys or debt collectors, and you will be liable for their costs in full.13.2 If we have to institute any legal action of any nature whatsoever against you, you will be liable for all legal costs incurred, including but not limited to, legal costs on the “attorney and client scale”, collection charges, tracing fees and all necessary disbursements plus value added tax (VAT) thereon. We will notify you on your monthly statement of the date on which the new rate takes effect, within 30 (thirty) Business Days of the interest rate change. The interest is added to your outstanding balance.12.5 Interest on Suspensive Interest Plans:12.5.1 If your Account is not in arrears at the beginning of the month, and you pay your full Instalment on or before the due date, the interest as set out in clause 12.4 above will not be charged.12.5.2 If you do not pay your full Instalment by the due date, interest will be charged as per clause 12.4 above until you have brought your Account up to date.12.6 If your Extended Credit Plan goes into arrears, additional interest on overdue amounts will be charged to your Account at Your Rate. Cellular and electronic products are excluded from this Plan.1.16 “Service fee” means a fee that may be charged to your Account for administration and maintenance of your Account.1.17 “Lay-by” means a facility in your name, where we reserve goods that you have chosen and which you pay for in instalments over a period of time while we hold such goods, as regulated by the Consumer Protection Act 68 of 2008 (“CPA”).2. Understanding your Credit Allocation5.1 Any purchases you make are at all times limited to the amount of your Credit Allocation.5.2 Your Credit Allocation may be increased or decreased at any time by us in our sole discretion, after considering whether you have managed your account appropriately.5.3 You may also request an increase or a decrease in your Credit Allocation.5.4 We may refuse to allow you to make a purchase if the required monthly Instalments are not made by the due date, or if you fail to meet our lending requirements at any time.5.5 If you wish to make a purchase and you do not have enough available credit, we may, at our discretion, temporarily increase your Credit Allocation to allow you to make the desired purchase. show you the total amount due on your Account. We may decide to change these periods at our discretion.23.4 Each monthly payment over the 3 (three) or 6 (six) month period will be an equal share of the balance still owing after the 10% (ten percent) deposit has been paid.23.5 If you terminate the agreement before fully paying for the goods, or fail to pay in full for the goods within 60 (sixty) business days after end of the 3 (three) or 6 (six) month period, we reserve the right to charge you a termination penalty. Your Credit Allocation may be increased or decreased at any time by us in our sole discretion. Visit, We may market certain TFG goods and services to you from time to time. You have the right to contact the credit bureau to have your credit record(s) disclosed to you and to have inaccurate information corrected.22. You may request the Terms and certain other documents in Afrikaans, IsiXhosa and Sesotho. You agree that we may charge your Account and collect the relevant amount(s) from you, for the financial products you have chosen to take up. You should receive it shortly. We will also charge for telephone calls and electronic communication if they are made or sent to a telephone number / e-mail address that you have provided us with, and are not delivered, or if a voicemail is left on your phone.
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