8f7208d2-db6e-4bfa-85b5-ad3d00776f1f a8d65361-3490-40e9-8119-ad5600d13833 f6e8ed4e-7e9a-415c-9511-ad440125c91c 2b2190dc-e953-4ef5-b134-ad440125c926 en-US https://www.omnycontent.com/d/playlist/8f7208d2-db6e-4bfa-85b5-ad3d00776f1f/f6e8ed4e-7e9a-415c-9511-ad440125c91c/2b2190dc-e953-4ef5-b134-ad440125c926/podcast.rss Speak- Out is a weekly consumers feature on SAfm's PMLive. http://www.sabc.co.za/safm episodic Speak- Out is a weekly consumers feature on SAfm's PMLive. SAfm sabcpodcast@sabc.co.za SAfm 2026 SAfm no https://www.omnycontent.com/d/playlist/8f7208d2-db6e-4bfa-85b5-ad3d00776f1f/f6e8ed4e-7e9a-415c-9511-ad440125c91c/2b2190dc-e953-4ef5-b134-ad440125c926/image.jpg?t=1623433802&size=Large http://www.sabc.co.za/safm Speak Out talks to Estate Agency Affairs Board’s Legal Manager, Deli Nkambule * complaint by Xolani- who wanted to buy a property at Harmonica Sands in Centurion and was asked by the estate agent to pay a deposit of two thousand rand

* A lady says around 2014 she had defaulted on her home loan repayments and she then made payment arrangements with Blue Stone. However, following this someone from Katsura Investment Solutions came to view her house as it was put up for auction. Another incident involved Karel Du Plessis Attorneys- she got a call from Guida informing her to vacate the house as it was put up for sale.

* I purchased a house from a certain estate agent in Soweto last year February, I paid cash for the house to the lawyers nominated by the estate agent. Upon waiting for transfer I went to the house and found the tenant who then informed me that there are two people fighting for the house. I then investigated and found that there is some dispute over the house and then informed the lawyers and the estate agent that I am pulling out of the deal and want my money back.]]> * complaint by Xolani- who wanted to buy a property at Harmonica Sands in Centurion and was asked by the estate agent to pay a deposit of two thousand rand

* A lady says around 2014 she had defaulted on her home loan repayments and she then made payment arrangements with Blue Stone. However, following this someone from Katsura Investment Solutions came to view her house as it was put up for auction. Another incident involved Karel Du Plessis Attorneys- she got a call from Guida informing her to vacate the house as it was put up for sale.

* I purchased a house from a certain estate agent in Soweto last year February, I paid cash for the house to the lawyers nominated by the estate agent. Upon waiting for transfer I went to the house and found the tenant who then informed me that there are two people fighting for the house. I then investigated and found that there is some dispute over the house and then informed the lawyers and the estate agent that I am pulling out of the deal and want my money back.]]> full 0 0 SAfm http://iono.fm/e/544608 177d0371-5da4-4498-8716-ad440126c7df Tue, 27 Mar 2018 10:50:00 +0000 1642 https://omny.fm/shows/speak-out/speak-out-talks-to-estate-agency-affairs-board-s-l Speak Out- Estate Agent who asked a client to pay a R2000 deposit (PART 2) full 0 0 SAfm http://iono.fm/e/544605 1ae030c1-34dc-474b-9461-ad4401295d99 Tue, 27 Mar 2018 10:49:00 +0000 403 https://omny.fm/shows/speak-out/speak-out-estate-agent-who-asked-a-client-to-pay-a Speak Out- An Estate Agent who asked a client to pay a R2000 deposit (PART 1) full 0 0 SAfm http://iono.fm/e/543541 23dad1a3-7a26-4091-8659-ad44012ab0b7 Fri, 23 Mar 2018 10:09:00 +0000 307 https://omny.fm/shows/speak-out/speak-out-an-estate-agent-who-asked-a-client-to-pa Speak Out- Travelstart glitch full 0 0 SAfm http://iono.fm/e/543540 37c557a4-07dd-428c-8524-ad44012ec39e Fri, 23 Mar 2018 10:06:00 +0000 362 https://omny.fm/shows/speak-out/speak-out-travelstart-glitch Speak Out- Chesa Nyama Franchise full 0 0 SAfm http://iono.fm/e/543536 63b0c1c1-a42c-418c-8919-ad4401303d20 Fri, 23 Mar 2018 10:03:00 +0000 324 https://omny.fm/shows/speak-out/speak-out-chesa-nyama-franchise Hollard Section 197 of the Labour Relations Act transfer full 0 0 SAfm http://iono.fm/e/543529 7d496bfa-b372-43d7-beec-ad4401322022 Fri, 23 Mar 2018 09:54:00 +0000 470 https://omny.fm/shows/speak-out/hollard-section-197-of-the-labour-relations-act-tr Section 197 of the Labour Relations Act
(1) In this section and in section 197A –

(a) ‘business’ includes the whole or a part of any business, trade, undertaking or service; and


(b) ‘transfer’ means the transfer of a business by one employer (‘the old employer’) to another employer (‘the new employer’) as a going concern.



(1) If a transfer of a business takes place, unless otherwise agreed in terms of subsection (6) –

(a) the new employer is automatically substituted in the place of the old employer in respect of all contracts of employment in existence immediately before the date of transfer;

(b) all the rights and obligations between the old employer and an employee at the time of the transfer continue in force as if they had been rights and obligations between the new employer and the employee;

(c) anything done before the transfer by or in relation to the old employer, including the dismissal of an employee or the commission of an unfair labour practice or act of unfair discrimination, is considered to have been done by or in relation to the new employer; and



(d) the transfer does not interrupt an employee’s continuity of employment, and an employee’s contract of employment continues with the new employer as if with the old employer.

(2) (a) The new employer complies with subsection (2) if that employer employs transferred employees on terms and conditions that are on the whole not less favourable to the employees than those on which they were employed by the old employer.

(b) Paragraph (a) does not apply to employees if any of their conditions of employment are determined by a collective agreement.

(3) Subsection (2) does not prevent an employee from being transferred to a pension, provident, retirement or similar fund other than the fund to which the employee belonged prior to the transfer, if the criteria in section 14(1)(c) of the Pension Funds Act, 1956 (Act No. 24 of 1956)]]>
(1) In this section and in section 197A –

(a) ‘business’ includes the whole or a part of any business, trade, undertaking or service; and


(b) ‘transfer’ means the transfer of a business by one employer (‘the old employer’) to another employer (‘the new employer’) as a going concern.



(1) If a transfer of a business takes place, unless otherwise agreed in terms of subsection (6) –

(a) the new employer is automatically substituted in the place of the old employer in respect of all contracts of employment in existence immediately before the date of transfer;

(b) all the rights and obligations between the old employer and an employee at the time of the transfer continue in force as if they had been rights and obligations between the new employer and the employee;

(c) anything done before the transfer by or in relation to the old employer, including the dismissal of an employee or the commission of an unfair labour practice or act of unfair discrimination, is considered to have been done by or in relation to the new employer; and



(d) the transfer does not interrupt an employee’s continuity of employment, and an employee’s contract of employment continues with the new employer as if with the old employer.

(2) (a) The new employer complies with subsection (2) if that employer employs transferred employees on terms and conditions that are on the whole not less favourable to the employees than those on which they were employed by the old employer.

(b) Paragraph (a) does not apply to employees if any of their conditions of employment are determined by a collective agreement.

(3) Subsection (2) does not prevent an employee from being transferred to a pension, provident, retirement or similar fund other than the fund to which the employee belonged prior to the transfer, if the criteria in section 14(1)(c) of the Pension Funds Act, 1956 (Act No. 24 of 1956)]]> full 0 0 SAfm http://iono.fm/e/543527 9ca6d201-d3f9-4f8d-a89b-ad4401341278 Fri, 23 Mar 2018 09:50:00 +0000 723 https://omny.fm/shows/speak-out/section-197-of-the-labour-relations-act National Consumer Commission (NCC) Dispute full 0 0 SAfm http://iono.fm/e/516698 40680377-cf15-4bb2-9cc0-ad44013617e6 Tue, 09 Jan 2018 11:44:00 +0000 356 https://omny.fm/shows/speak-out/national-consumer-commission-ncc-dispute SPEAK OUT: FESTIVE SEASON SAVING TIPS Festive Season Spending Tips.pdf — PDF (472.0 KB)]]> Festive Season Spending Tips.pdf — PDF (472.0 KB)]]> full 0 0 SAfm http://iono.fm/e/509625 e1cb135b-8e45-413e-9b52-ad44013714da Thu, 07 Dec 2017 13:51:00 +0000 387 https://omny.fm/shows/speak-out/speak-out-festive-season-saving-tips SPEAK OUT: DISCONNECTED TELKOM LANDLINE full 0 0 SAfm http://iono.fm/e/493257 1c0fe448-ad0b-4659-922a-ad4401386884 Fri, 20 Oct 2017 11:09:00 +0000 189 https://omny.fm/shows/speak-out/speak-out-disconnected-telkom-landline SPEAK OUT: SKHILA SECONDARY SCHOOL full 0 0 SAfm http://iono.fm/e/493253 399fa0a9-c39d-4e13-82dc-ad4401394215 Fri, 20 Oct 2017 11:07:00 +0000 368 https://omny.fm/shows/speak-out/speak-out-skhila-secondary-school SPEAK OUT: ESKOM PLOT IMPASSE full 0 0 SAfm http://iono.fm/e/493248 a6bf58a5-70e1-42dc-afe8-ad44013b8cd4 Fri, 20 Oct 2017 10:56:00 +0000 378 https://omny.fm/shows/speak-out/speak-out-eskom-plot-impasse SPEAK OUT: LOAN FINDER full 0 0 SAfm http://iono.fm/e/493246 aa175d91-7985-4869-a715-ad44013dce39 Fri, 20 Oct 2017 10:55:00 +0000 356 https://omny.fm/shows/speak-out/speak-out-loan-finder SPEAK OUT: AVON/JUSTINE FRAUDULENT ACCOUNT full 0 0 SAfm http://iono.fm/e/493243 2385dba9-ada7-4bc3-a463-ad44013f4505 Fri, 20 Oct 2017 10:50:00 +0000 291 https://omny.fm/shows/speak-out/speak-out-avon-justine-fraudulent-account SPEAK OUT: TELKOM LACK OF SERVICES full 0 0 SAfm http://iono.fm/e/467226 7f98fe45-c1d9-44c4-862c-ad440144ef04 Fri, 25 Aug 2017 08:04:00 +0000 291 https://omny.fm/shows/speak-out/speak-out-telkom-lack-of-services SPEAK OUT: IDENTITY THEFT full 0 0 SAfm http://iono.fm/e/467224 ec9a9666-c3c7-4d7c-8274-ad44014416e6 Fri, 25 Aug 2017 08:04:00 +0000 417 https://omny.fm/shows/speak-out/speak-out-identity-theft SPEAK OUT: ILLI IDEAS PHOTOGRAPHY COMPANY full 0 0 SAfm http://iono.fm/e/467209 b95806fe-65ff-4b40-b133-ad44014329e6 Fri, 25 Aug 2017 08:04:00 +0000 277 https://omny.fm/shows/speak-out/speak-out-illi-ideas-photography-company SPEAK OUT: HOUSE SALE IN KWA- MASHU full 0 0 SAfm http://iono.fm/e/467208 6afa198a-afe9-47ee-9e30-ad4401423082 Fri, 25 Aug 2017 08:04:00 +0000 372 https://omny.fm/shows/speak-out/speak-out-house-sale-in-kwa-mashu SPEAK OUT: ESTATE AGENCY DISPUTE full 0 0 SAfm http://iono.fm/e/467196 2cda4735-3628-41f8-80ca-ad4401413b8a Fri, 25 Aug 2017 08:04:00 +0000 303 https://omny.fm/shows/speak-out/speak-out-estate-agency-dispute SPEAK OUT: ABSA REPOSSESSED CAR full 0 0 SAfm http://iono.fm/e/454487 c83e1480-1286-4097-91b8-ad440146527a Fri, 21 Jul 2017 11:30:00 +0000 264 https://omny.fm/shows/speak-out/speak-out-absa-repossessed-car SPEAK OUT: REFUND FROM COMMUNITY EDU COMPUTER SOCIETY PART 2 full 0 0 SAfm http://iono.fm/e/454483 b0f87257-45dc-487e-854b-ad440148e267 Fri, 21 Jul 2017 11:22:00 +0000 273 https://omny.fm/shows/speak-out/speak-out-refund-from-community-edu-computer-socie SPEAK OUT: BUSINESS SCAM full 0 0 SAfm http://iono.fm/e/454481 2d8ff0ea-5822-43eb-99df-ad4401476e76 Fri, 21 Jul 2017 11:22:00 +0000 455 https://omny.fm/shows/speak-out/speak-out-business-scam SPEAK OUT: SAXUM INSURANCE CLAIM
I started the process of claiming from my insurance company on the 28/29th of July 2016.

After months of delays I got the confirmation that my claim was approved on the 05th Of October 2016 which I needed to sign and send it back to the insurance company and I did that.

While I was awaiting for the payment on the 17th of October 2016 I received a letter Anderson legal department indicating that Saxum is being liquidated and my claim has been affected.]]>
I started the process of claiming from my insurance company on the 28/29th of July 2016.

After months of delays I got the confirmation that my claim was approved on the 05th Of October 2016 which I needed to sign and send it back to the insurance company and I did that.

While I was awaiting for the payment on the 17th of October 2016 I received a letter Anderson legal department indicating that Saxum is being liquidated and my claim has been affected.]]> full 0 0 SAfm http://iono.fm/e/454480 f894f4a3-768d-4a18-ac0c-ad44014acd21 Fri, 21 Jul 2017 11:18:00 +0000 340 https://omny.fm/shows/speak-out/speak-out-saxum-insurance-claim SPEAK OUT: MIWAY MECHANICAL BREAKDOWN CLAIM full 0 0 SAfm http://iono.fm/e/454477 417ff31a-fba6-47b1-9916-ad440149bb20 Fri, 21 Jul 2017 11:18:00 +0000 438 https://omny.fm/shows/speak-out/speak-out-miway-mechanical-breakdown-claim SPEAK OUT: CAPITEC BANK LOAN TERM
According to the above mentioned agreement, the final payment from you is to be made on 14 June 2017. We requested the bank to place you in the position you would have been in had the contract not been unliterally extended by the bank.

Our suggestion to the bank was for you to pay in a lump sum to make up for the reduced payments that you were making over the years in order for the contract to revert to the term originally agreed upon. It was our view that whether or not you would be in a position to pay in the lump sum was your decision and not the banks. In the event you were not able to pay in the lump sum amount, we had suggested that the bank would continue to debit the interest and the fees.

We admit that there was a misunderstanding with regard to what we communicated to you. the bank has confirmed that unless you can pay the lump sum in one instalment, fees and interest will be applicable on the outstanding balance.

As you had requested to be placed in the same position you would have been in, it is only fair that you either pay in the lump sum amount (comprising of all the short payments you made on the account over the years), failure to do so, the bank will be entitled to debit the fees and the interest on the outstanding balance.]]>
According to the above mentioned agreement, the final payment from you is to be made on 14 June 2017. We requested the bank to place you in the position you would have been in had the contract not been unliterally extended by the bank.

Our suggestion to the bank was for you to pay in a lump sum to make up for the reduced payments that you were making over the years in order for the contract to revert to the term originally agreed upon. It was our view that whether or not you would be in a position to pay in the lump sum was your decision and not the banks. In the event you were not able to pay in the lump sum amount, we had suggested that the bank would continue to debit the interest and the fees.

We admit that there was a misunderstanding with regard to what we communicated to you. the bank has confirmed that unless you can pay the lump sum in one instalment, fees and interest will be applicable on the outstanding balance.

As you had requested to be placed in the same position you would have been in, it is only fair that you either pay in the lump sum amount (comprising of all the short payments you made on the account over the years), failure to do so, the bank will be entitled to debit the fees and the interest on the outstanding balance.]]> full 0 0 SAfm http://iono.fm/e/454475 860e583c-1b35-4f12-a7cb-ad44014ed041 Fri, 21 Jul 2017 10:52:00 +0000 332 https://omny.fm/shows/speak-out/speak-out-capitec-bank-loan-term SPEAK OUT- STOCK MARKET COLLEGE PART 2 In the first airing, a question whether the college is accredited or not was raised. Initially we were referred to Bank Seta, who informed that the college was not accredited with them. Then they referred us to Quality Council for Trades and Occupations (QCTO) and we checked with them- this was a written response we got from the Chief Director of Occupational Quality Assurance, Vijayen Naidoo]]> In the first airing, a question whether the college is accredited or not was raised. Initially we were referred to Bank Seta, who informed that the college was not accredited with them. Then they referred us to Quality Council for Trades and Occupations (QCTO) and we checked with them- this was a written response we got from the Chief Director of Occupational Quality Assurance, Vijayen Naidoo]]> full 0 0 SAfm http://iono.fm/e/454472 4dbc97a0-a41a-4ac8-8d12-ad44014d97fd Fri, 21 Jul 2017 10:52:00 +0000 415 https://omny.fm/shows/speak-out/speak-out-stock-market-college-part-2 SPEAK OUT: ELECTRICITY CONNECTION full 0 0 SAfm http://iono.fm/e/454469 ea6e958f-b6ce-403f-b1a2-ad44014c7675 Fri, 21 Jul 2017 10:52:00 +0000 225 https://omny.fm/shows/speak-out/speak-out-electricity-connection SPEAK OUT: FLY BLUE CRANE- FLIGHT CANCELLATION This is her story…]]> This is her story…]]> full 0 0 SAfm http://iono.fm/e/454451 6a01c025-80bb-4fa5-9b3d-ad4401506320 Fri, 21 Jul 2017 10:37:00 +0000 331 https://omny.fm/shows/speak-out/speak-out-fly-blue-crane-flight-cancellation