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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.

02/09/2026

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗿𝗲𝗰𝗸𝗹𝗲𝘀𝘀 𝗹𝗲𝗻𝗱𝗶𝗻𝗴?

If a credit provider gave you a loan without properly checking whether you could afford it, that's not just bad practice — it could be reckless lending under the NCA.

A credit agreement can be declared reckless if the provider:

⚠️ Didn't do a proper affordability assessment
⚠️ Gave you credit you clearly couldn't repay
⚠️ Failed to explain the terms in a way you could understand

If a court finds an agreement reckless, it can suspend or even cancel your obligations under it.

Consumer Fundi (Pty) Ltd is a registered Alternative Dispute Resolution Agent (NCRADRA12). This post is for educational purposes and isn't financial or legal advice.

01/09/2026

𝗜𝘁'𝘀 𝗦𝗽𝗿𝗶𝗻𝗴 𝗗𝗮𝘆: 𝘁𝗶𝗺𝗲 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗻𝗲𝘆 𝗿𝗲𝘀𝗲𝘁

Happy Spring Day! While the rest of the country celebrates warmer days, we're using it as a reminder: spring is a great excuse for a financial reset too.

🌱 Cancel what you don't use — old subscriptions, unused memberships

🌱 Review your budget for the new season — different weather, different spending

🌱 Set one small money goal for September and track it weekly

You don't need January to start fresh. Today works just as well.

31/08/2026

𝗧𝗵𝗮𝘁'𝘀 𝗮 𝘄𝗿𝗮𝗽 𝗼𝗻 𝗔𝘂𝗴𝘂𝘀𝘁

This month we covered credit scores, debt review, garnishee orders, scams to avoid, and the rights that protect you through all of it.

If you've been meaning to actually do something about your credit or debt situation — this is your sign.

We offer a free, confidential, no-obligation conversation to help you understand exactly where you stand and what your options are. No pressure, no hard sell.

📩 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 "𝗦𝗧𝗔𝗥𝗧" 𝘁𝗼 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯

Consumer Fundi (Pty) Ltd is a registered Alternative Dispute Resolution Agent (NCRADRA12).

27/08/2026

“I 𝗱𝗶𝗱𝗻'𝘁 𝘁𝗵𝗶𝗻𝗸 𝘁𝗵𝗶𝘀 𝘄𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲.”

When *T reached out, he'd had a garnishee order deducting from his salary for over a year — and had never actually seen the paperwork behind it.

We helped him request the full documentation, identify irregularities in how the order was calculated, and put a corrected, fair repayment plan in place.

"I didn't think this was possible," he said. "I thought I just had to accept whatever came off my payslip."

You don't. Every deduction, every listing, every account has a paper trail — and you have the right to see it.

*𝙉𝙖𝙢𝙚 𝙘𝙝𝙖𝙣𝙜𝙚𝙙 𝙩𝙤 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙘𝙡𝙞𝙚𝙣𝙩 𝙘𝙤𝙣𝙛𝙞𝙙𝙚𝙣𝙩𝙞𝙖𝙡𝙞𝙩𝙮.

📩 Something on your credit report or payslip doesn't add up? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 and let's look at it together.

26/08/2026

𝗦𝗮𝘃𝗶𝗻𝗴 𝗼𝗻 𝗮 𝘁𝗶𝗴𝗵𝘁 𝗯𝘂𝗱𝗴𝗲𝘁 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲

When every rand is already spoken for, "just save more" isn't useful advice. Here's what actually works on a tight budget:

💡 Automate a small, fixed amount the day you get paid — even R50 — so it never sits in your account waiting to be spent

💡 Review subscriptions every 3 months — most people are paying for at least one they forgot about

💡 Buy airtime and data in bulk on payday, not in small top-ups through the month

💡 Track spending for just one week — awareness alone often reveals R200–R500 in avoidable spend

Saving isn't about big dramatic changes. It's about small, repeatable ones.

24/08/2026

𝗛𝗼𝘄 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗙𝘂𝗻𝗱𝗶 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗼𝗿𝗸𝘀

A lot of people put off getting help because they're not sure what the process even looks like. Here's the honest, no-jargon version:

𝗦𝘁𝗲𝗽 𝟭 — We listen. You tell us what's going on with your accounts and income — no judgement, fully confidential.

𝗦𝘁𝗲𝗽 𝟮 — We assess. We pull your credit report where relevant and map out exactly where you stand.

𝗦𝘁𝗲𝗽 𝟯 — We act. Whether that's disputing incorrect listings, guiding you toward the right debt solution, or simply giving you clarity — we walk it with you as your registered Alternative Dispute Resolution Agent (NCRADRA12).

No pressure, no upfront guesses about your situation. Just a clear process.

📩 Ready for Step 1? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯.

21/08/2026

𝗠𝗼𝗻𝗲𝘆 𝗙𝗿𝗶𝗱𝗮𝘆: 𝘁𝗵𝗲 𝟯-𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗿𝘂𝗹𝗲

Simple budgeting structure to try this month — the 3-account rule:

1️⃣ 𝗕𝗶𝗹𝗹𝘀 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 — rent, debt repayments, insurance, subscriptions
2️⃣ 𝗟𝗶𝘃𝗶𝗻𝗴 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 — groceries, transport, airtime, day-to-day
3️⃣ 𝗚𝗼𝗮𝗹𝘀 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 — savings, emergency fund, debt payoff extra

The moment your salary lands, split it across the three. No more guessing where the money went by day 20.

It won't fix a debt problem overnight, but it makes every rand visible — and visible money is money you can control.

20/08/2026

𝗥𝗲𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲: 𝘄𝗵𝗲𝗿𝗲 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁

Rebuilding a damaged credit score isn't about a quick trick — it's about consistent, boring, effective habits.

1️⃣ Pay every active account on time, every time — payment history carries the most weight
2️⃣ Bring balances down before opening anything new
3️⃣ Don't close your oldest account — credit history length matters
4️⃣ Dispute anything inaccurate rather than living with it
5️⃣ Give it time — real change usually shows within 3 to 6 months of consistent behaviour

There's no shortcut anyone can sell you that beats consistency. Anyone promising an instant fix should raise a red flag.

Consumer Fundi (Pty) Ltd is a registered Alternative Dispute Resolution Agent (NCRADRA12). This post is for educational purposes and isn't financial or legal advice.

19/08/2026

“Y𝗼𝘂'𝗿𝗲 𝗯𝗹𝗮𝗰𝗸𝗹𝗶𝘀𝘁𝗲𝗱” 𝗶𝘀𝗻'𝘁 𝗮 𝗿𝗲𝗮𝗹 𝘁𝗵𝗶𝗻𝗴

𝗠𝘆𝘁𝗵 𝟭: There's a national "blacklist" that bans you from all credit.
𝗧𝗿𝘂𝘁𝗵: No such single list exists. Bureaus record negative listings on your report — lenders decide their own risk appetite from there.

𝗠𝘆𝘁𝗵 𝟮: A bad listing stays forever.
𝗧𝗿𝘂𝘁𝗵: Most negative information must be removed after a set period — often much sooner than people assume.

𝗠𝘆𝘁𝗵 𝟯: Once listed, there's nothing you can do.
𝗧𝗿𝘂𝘁𝗵: You can dispute inaccurate listings, negotiate settlements, and rebuild your profile with consistent, informed action.

Fear of being "blacklisted" keeps a lot of people from even checking their report. Don't let a myth stop you from getting the facts.

Consumer Fundi (Pty) Ltd is a registered Alternative Dispute Resolution Agent (NCRADRA12). 𝙏𝙝𝙞𝙨 𝙥𝙤𝙨𝙩 𝙞𝙨 𝙛𝙤𝙧 𝙚𝙙𝙪𝙘𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙥𝙪𝙧𝙥𝙤𝙨𝙚𝙨 𝙖𝙣𝙙 𝙞𝙨𝙣'𝙩 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙤𝙧 𝙡𝙚𝙜𝙖𝙡 𝙖𝙙𝙫𝙞𝙘𝙚.

18/08/2026

𝗜𝘀 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗽𝗼𝗿𝘁 𝘄𝗿𝗼𝗻𝗴?

Wrong ID number. An account that isn't yours. A debt marked 'unpaid' that you settled years ago. Credit report errors happen more often than most South Africans realise — and they can quietly cost you a loan, a job, or a home.

You have the legal right to dispute inaccurate information on your credit report, and the bureau must investigate within 20 business days.

𝗦𝘁𝗲𝗽 𝟭: Contact Consumer Fundi
𝗦𝘁𝗲𝗽 𝟮: Pull your credit report
𝗦𝘁𝗲𝗽 𝟯: Check every account, balance, and status.
𝗦𝘁𝗲𝗽 4: Flag anything that doesn't look right.

Don't assume your report is correct just because no one told you otherwise.

📩 Not sure how to read yours? 𝗪𝗵𝗮𝘁𝘀𝗔𝗽𝗽 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟳 𝟯𝟳𝟲 𝟰𝟴𝟭𝟯 — we can check your report with you and flag anything that looks wrong.

Consumer Fundi (Pty) Ltd is a registered Alternative Dispute Resolution Agent (NCRADRA12). This post is for educational purposes and isn't financial or legal advice.

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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