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....
A Complex Issue: Beware Late Building Penalties

A Complex Issue: Beware Late Building Penalties

“Home wasn’t built in a day.” (Jane Ace, radio comedian) You find the perfect plot on which to build your dream home in a security estate. Your offer is accepted and transfer proceeds – happy days!So, imagine your distress when, having proudly taken ownership,...

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