Intlawulo ebizwa ngokuba yi on-the-road (OTR) ehlawuliswa ngabathengisi beenqwelo-mafutha kwaye ixhaswa ngabaniki-nkonzo ngeentengo zemboleko ayichasananga noMthetho weNtengo weSizwe National Credit Act (NCA) ukuba iyinxalenye yexabiso lokuthenga isithuthi kwaye ayiyontlawulo echazwe ngokucacileyo kwicandelo 102(1) loMthetho. Esi yayisisigqibo esimxhelo mnye seNkundla ePhakamileyo yeziBheno iSupreme Court of Appeal (SCA) kwisigwebo esawiswa ngoLwesihlanu.
Oko kubizwa ngokuba yi-“on-the-road” (OTR) imirhumo ehlawuliswa ngabathengisi bezithuthi kwaye ixhaswa ngemali ngababoneleli betyala ayichasananga noMthetho weTyala weSizwe National Credit Regulator (NCR) (NCA) ngaphandle kokuba bayinxalenye yexabiso lokuthenga isithuthi kwaye ayiyomirhumo edweliswe ngokucacileyo kwicandelo 102(1) loMthetho. Esi yay isisigqibo esimxhelo mnye seNkundla ePhakamileyo yeziBheno iSupreme Court of Appeal (SCA) kwisigwebo esiwiswe ngoLwesihlanu.
INkundla yagqiba kwelokuba icandelo 102 (1) liqulethe uluhlu oluvaliweyo lweentlawulo ezinokuthi zibandakanywe kwityala eliyintloko elixhaswa ngemali, nokuba imirhumo ye-OTR iwela ngaphandle kolo luhlu xa kuthethwathethwathethwana ngokukhululekileyo phakathi komthengi nomthengisi kuze emva koko kuxhaswe ngemali njengenxalenye yexabiso lokuthenga.
Esi sigwebo sidibanise izibheno ezithathu ezinxulumeneyo ezibandakanya iNational Credit Regulator (NCR) njengombheni, iNational Consumer Tribunal (NCT) njengommangalelwa wokuqala, kunye nababoneleli bamatyala abathathu – Volkswagen Financial Services (SA) (Pty) Ltd, BMW Financial Services (SA) (Pty) Ltd, kunye neMercedes-Benz Financial Services (SA) (Pty) Ltd – njengabaphenduli besibini kwizibheno zabo.
Imirhumo ye-OTR ziintlawulo eziyintlanganisela ezibekwe ngabathengisi bezithuthi kwindawo yokuthengisa, equka iinkonzo ezifana nezi:
• ukuhlolwa kwangaphambili kokuhanjiswa kunye nesiqinisekiso esifanelekileyo endleleni;
• ilayisensi, imirhumo yokubhalisa, kunye nokufumana inombolo-plate; kwaye
• ukuhanjiswa kunye nokufakwa kwamafutha okuqala.
Nangona ezi nkonzo zibonelelwa kwaye zixatyiswe ngabathengisi, ababoneleli ngetyala baquka umrhumo opheleleyo we-OTR ecaleni kwexabiso lemali yesithuthi xa becaphula kwaye bexhasa ngemali intengiso.
Ingxabano igxile ekubeni imirhumo ye-OTR, xa ihlawuliswa kumxholo wokuxhasa ngemali ukuthengwa kweemoto ngetyala, kuvunyelwe phantsi kweNCA.
I-NCR ixoxile ukuba imirhumo ye-OTR ayikho phakathi kweentlawulo ezivumelekileyo ezichazwe kumacandelo 100, 101, kunye ne-102 ye-NCA, evumela kuphela izinto ezithile ezifana neentlawulo zokuqalisa, iindleko zokuhanjiswa, iziqinisekiso ezandisiweyo, itanki yamafutha, kunye nelayisensi. okanye imirhumo yobhaliso. Kubandakanya imirhumo ye-OTR kwizixa-mali ezixhaswa ngemali, ngokwe-NCR, kukwaphulwa koMthetho.
Abaxhasi bezithuthi baphikisa ngelithi abahlawulisi “ngokwabo ezi ntlawulo. Endaweni yoko, abathengisi bongeza iindleko ze-OTR kwixabiso lokuthenga isithuthi ngexesha lothethathethwano nomthengi, kwaye abaxhasi bezimali babonelela ngetyala letyala elipheleleyo (kubandakanywa nezo zongezelelweyo) ngesicelo somthengi. I-NCA, bathi, ayikuthinteli ukuxhaswa ngemali kwamacandelo exabiso lokuthenga ekuvunyelwene ngalo, kwaye imirhumo ye-OTR isebenza ngokulinganayo kwimali eziinkozo kunye nokuthengwa kwemali, oku kuthetha ukuba ityala livela kwintengiso yomthengisi, kungekhona ukunikezelwa kwetyala.
Inyathelo lolawulo yi-NCR
I-NCR yenze uphando ngo-2017 malunga nomkhuba wokubiza iifizi ze-OTR kwishishini lokuthengisa iimoto.
I-NCR ikhuphe izaziso zokuthotyelwa phantsi kwecandelo lama-55 le-NCA, etyhola ngokuchasana kwamacandelo 100(1)(a), 101(1), nele-102 (1) nele-(2). Izaziso zabanga ukuba imirhumo ye-OTR zezi: (a) imirhumo yetyala engavumelekanga okanye iintlawulo phantsi kwecandelo 100(1)(a); (b) ayivumelekanga phantsi kwecandelo 101(1); kunye (c) nokungaqukwanga kwityala eliyintloko phantsi kwecandelo 102(1).
Ukongezelela, kwimeko yeVolkswagen’s, i-NCR yatyhola ukuba iifizi ze-OTR ziguqulwe njengenkonzo ye-“kunye neentlawulo ze-delivery”, eziphula icandelo 89(2)(c).
I-NCR iyalele ababoneleli ngetyala ukuba bayeke ukubiza iifizi ze-OTR kunye nokubuyisela abathengi abachaphazelekayo.
Izigqibo zeNkundla yamaTyala kunye neNkundla ePhakamileyo
Ababoneleli ngetyala bacele umngeni kwizaziso zokuthotyelwa (compliance notices) phambi kwe-NCT.
I-BMW kunye ne-Mercedes-Benz ziphumelele ekubeni izaziso zokuthotyelwa zibekelwe bucala ngesiseko sokuba iifizi ze-OTR zihlawuliswa ngabathengisi kunokuba ababoneleli betyala. Kuyo nayiphi na imeko, iNkundla yagqiba ekubeni abathengisi bezithuthi abathintelwanga ekubizeni imirhumo ye-OTR, kwaye ayibahlawulisi ngokungekho mthethweni nangayiphi na indlela.
I-NCT igqibe kwelokuba iVolkswagen ihlawulise imirhumo ye-OTR ngokuchasene noMthetho. Yasichitha isicelo seVolkswagen’s kodwa yalungisa imiqathango yesaziso sokuthotyelwa kweNCR’ kwiinkalo ezithile.
INkundla Epheleleyo yasePitoli yaphulaphula izibheno zezi zigqibo yaza yawisa isigwebo kweyo Mqungu kunyaka ka 2023.
Isigqibo sesininzi yayikukuba ababoneleli ngetyala abazange babize abathengi ngeentlawulo ze-OTR ngokwahlukeneyo xa ezi ntlawulo kunye neenkonzo zibandakanyiwe kwizivumelwano zetyala. Ezi ntlawulo kwaxoxwa ngazo phakathi kwabathengisi kunye nabathengi. Ababoneleli ngetyala baxhasa kuphela ityala eliphambili, elibandakanya ixabiso lokuthenga kunye nezinye ezongezelelweyo, ezifana neentlawulo ze-OTR kunye neenkonzo ezongezelelweyo.
INkundla ePheleleyo yasixhasa isibheno seVolkswagen’s yaza yazichitha izibheno zeNCR’ kunye nezibheno ezinqamlezileyo, inikezela ngeendleko kuMlawuli.
Ukutolikwa kwamacandelo 100, 101, kunye ne-102
Uhlalutyo lwe-SCA’ lugxile ekutolikeni lamacandelo alandelayo, 100, 101, kunye ne-102 e-NCA.
ICandelo le-100 liyabalela ababoneleli ngetyala ekubizeni abathengi ngeentlawulo ezithintelweyo, imirhumo egqithisileyo, inzala egqithisileyo, okanye imirhumo yomntu wesithathu engaqwalaselwanga kwicandelo le-102 okanye kwenye indawo kwi-NCA.
ICandelo le-101 lidwelisa iintlawulo ezivumelekileyo phantsi kwesivumelwano setyala, kubandakanywa ityala eliyintloko (isixa-mali esirhoxisiweyo kunye nezinto zecandelo le-102), imirhumo yokuqalisa, imirhumo yenkonzo, inzala, iindleko ze-inshorensi yetyala, iintlawulo zolawulo olungagqibekanga, kunye neendleko zokuqokelela.
Eli nqaku lipapashwe ngomhla weshumi elinesihlanu kwinyanga yoMsintsi (15 Septemba 2025), liguqulelwe kwisiXhosa ngu Ongeziwe Babane.
Cofa apha , ufunde inqaku lesiNgesi elibhalwe yi Moonstone.
