Mortgage Bond Arrears: Can You Challenge a Certificate of Balance?

Mortgage Bond Arrears: Can You Challenge a Certificate of Balance?

“O, I do not like that paying back.” (Falstaff, in Shakespeare’s Henry IV Part I) A standard clause in loan agreements, suretyships and the like is the “certificate of balance” or “COB” clause.  Typically, it will read something like this (but normally with a lot more...
Defending Yourself: What Weapons Can You Legally Carry?

Defending Yourself: What Weapons Can You Legally Carry?

“The right of self-defence is the first law of nature.” (St. George Tucker, Blackstone’s Commentaries, 1803)  South Africa’s chronically high crime rates have left many of us wondering what the limits are when defending ourselves and our families from criminals....

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