Teco, perhaps you are misinterpreting - a garnish order is not an implication of the employer. The issue at hand is the employer being served with a garnish order. This, by turn brings them into the process, but they are not under any obligation to sort the matter out. Some employers will help in various manners.
As to the NCR, the employee needs to approach them if they feel the issue was unfair. Most credit givers, other than Micro lenders, AKA Loan sharks, aside, do all the neccessary. I accept that many persons are not totally aware of the consequences of the agreements that they sign, however once again when the nonsense starts they should not ignore the phone calls and leters and be responsible. Continously taking a stance that everyone is against us is not the way to progress. People need to realize that every action gets a reaction and there will always be consequences for our actions. The blame game, or he said she said game, is nothing more than an avoidance of owning up and saying I was wrong how can I fix it.
Are there unscrupulous operators? For sure. Is it as simple as saying everyone had a choice to lend or by whom? No, but people certainly have a choice as to how to spend their money, be it R100 a week or R10 000 a week. I would be very confident that the majority of bad credit is linked to luxury purchases and not daily needs. A person in debt for food and clothes that lends money deserves some sympathy. But if they possess a TV, cell phone, slightly fancy clothes or even worse, as i suspect, they are in trouble for a debt linked to a purchase of such items, one really needs to question if they are being so hard done by and the world is so evil. It is a tough world, granted, There have been some serious transgressions and wrongs in the past, present and there will be in the future. However, people do need to start taking some responsibility and stop relying on crying foul, and feeling sorry for ourselves when our own actions get us into trouble.
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