在消费者法、债务催收和国家信用法的背景下,司法干预和对变革宪政主义的呼吁:Bayport证券化有限公司诉Stellenbosch法律诊所大学

Q3 Social Sciences
S. van der Merwe
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引用次数: 0

摘要

由于各种社会经济因素,南非人是世界上负债最多的消费者之一。坏账催收已升级为一个重要行业,涉及数十亿兰特。私人过度负债和由此产生的催收的影响是深远的,并在家庭和宏观经济层面产生各种消极后果。当脆弱的债务人面对在脆弱的立法框架下肆无忌惮的收债人时,这些后果就会加剧。债务人依靠司法干预和有效诉诸法院来打击滥用贷款和催收债务的做法。法院被要求通过执行宪法保障和价值观来保护脆弱的消费者。最近,在Bayport证券化有限公司诉Stellenbosch大学法律诊所一案中,最高上诉法院有机会展示其在消费者法和债务催收方面的变革宪政承诺。这一判决意义重大,因为它试图解决对《国家信贷法》解释的一个严重而有影响的问题。将证明,该判决容易受到严重的批评,特别是令人遗憾的是,它对与该问题有关的宪法价值漠不关心。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Judicial intervention and the call to transformative constitutionalism in the context of consumer law, debt collection and the National Credit Act: Bayport Securitisation Ltd v University of Stellenbosch Law Clinic
As a result of various socio-economic factors, South Africans are some of the most indebted consumers in the world. Bad debt collection has escalated to a significant industry, with billions of rands at stake. The effects of private over-indebtedness and resulting collections are profound and have various negative consequences at household and macro-economic levels. These consequences are exacerbated when vulnerable debtors face unscrupulous debt collectors emboldened by a fragile legislative framework. Debtors depend on judicial intervention and effective access to courts to combat abusive lending and debt-collection practices. Courts are called on to protect vulnerable consumers by enforcing constitutional guarantees and values. Recently, the Supreme Court of Appeal was presented with the opportunity to demonstrate its commitment to transformative constitutionalism in consumer law and debt collection in the case of Bayport Securitisation Ltd v University of Stellenbosch Law Clinic. This judgment is significant as it attempted to address a serious and impactful concern with the interpretation of the National Credit Act. It will be demonstrated that the judgment is susceptible to serious criticism, particularly in its regrettable indifference to the constitutional values pertinent to the matter.
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来源期刊
South African law journal
South African law journal Social Sciences-Law
自引率
0.00%
发文量
24
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