ConsumerTalk with Wendy Knowler

Car deal extras - what they can and can’t add to your finance contract

Car dealerships and their financing partners have for years been padding car finance deals with extras, which the National Credit Regulator says are not allowed for in the National Credit Act, and urged consumers to refuse to pay them.

Read: Why you should read the fine print before renting a car

This applies to financed deals, but the extras aren’t justified however you choose to pay. They should be included in the selling price of the vehicle.

WHAT THEY CAN ADD:

  • Initiation fee
  • Delivery fee (if the car is actually delivered to you; few are)
  • Initial fuelling charge - the actual cost of filling the tank
  • Licence and registration fees - the actual cost fee for getting licensing and registration done for you

WHAT THEY CAN'T ADD

(I’ve seen all of these things listed by various dealers when pressed to break down that on-the-road or admin fee.)

  • Pre-delivery inspection
  • 20-point check
  • Valet
  • Client “gift” (that flashy bow)
  • Key ring
  • Manual and service book
  • Admin
  • Removing the shipping protection
  • Permits

If the fee was added to your credit agreement, with whatever bank, the Credit Regulator wants to hear from you - email complaints@ncr.org.za.

Remember to attach your credit agreement as evidence.

Visit our ConsumerTalk feature, for more consumer advice from Wendy Knowler.


Recommended

by NEWSROOM AI

CapeTalk welcomes all comments that are constructive, contribute to discussions in a meaningful manner and take stories forward.

However, we will NOT condone the following:

  • Racism (including offensive comments based on ethnicity and nationality)
  • Sexism
  • Homophobia
  • Religious intolerance
  • Cyber bullying
  • Hate speech
  • Derogatory language
  • Comments inciting violence.

We ask that your comments remain relevant to the articles they appear on and do not include general banter or conversation as this dilutes the effectiveness of the comments section.

We strive to make the CapeTalk community a safe and welcoming space for all.

CapeTalk reserves the right to: 1) remove any comments that do not follow the above guidelines; and, 2) ban users who repeatedly infringe the rules.

Should you find any comments upsetting or offensive you can also flag them and we will assess it against our guidelines.

CapeTalk is constantly reviewing its comments policy in order to create an environment conducive to constructive conversations.

Read More
Consumer Talk: Who is responsible if you injure yourself while shopping?

Consumer Talk: Who is responsible if you injure yourself while shopping?

Consumer guru Wendy Knowler answers customer’s question about who is responsible if you injure yourself while shopping.

'Fake cheese' on the menu? Wendy Knowler talks dairy product dupes

'Fake cheese' on the menu? Wendy Knowler talks dairy product dupes

Consumer journalist Wendy Knowler says economic pressures on the dairy industry have driven costs up and affected production.

'Nothing is random at supermarkets'

'Nothing is random at supermarkets'

Consumer journalist Wendy Knowler explains how supermarkets place everything on shelves to make you buy more.

Restaurants can be held liable if they don't disclose food allergens on menus

Restaurants can be held liable if they don't disclose food allergens on menus

Allergy rates are on the rise throughout the world, and restaurants must do better to properly prepare allergen-free meals.

'New' antiseptic TCP not the same as the original you grew up with

'New' antiseptic TCP not the same as the original you grew up with

Consumer journalist Wendy Knowler says TCP we grew up with as a remedy for infections and cuts, isn't the same as TCP now on sale.

Here's how the sugar tax works in practice

Here's how the sugar tax works in practice

Tax specialist Jerome Brink explains how the sugar tax works and says the monies collected since April are already in the fiscus.

Popular articles
'Basetsana Kumalo explained to me that this was the worst week of her life'

'Basetsana Kumalo explained to me that this was the worst week of her life'

Social Media Law Expert, Emma Sadleir, says the Randburg court has issued a protection order for the Kumalo's.

A third Metrorail train goes up in flames in less than a month

A third Metrorail train goes up in flames in less than a month

Regional manager, Richard Walker, says there's an indication of arson in all three incidents but the motive is still not clear.

'Cyril Ramaphosa is the weakest president of the ANC since 1994' - analyst

'Cyril Ramaphosa is the weakest president of the ANC since 1994' - analyst

Political analyst Prince Mashele talks about the ANC NEC meeting contradicting messages stemming from this.

Max du Preez opens up about money (and losing everything on Vrye Weekblad)

Max du Preez opens up about money (and losing everything on Vrye Weekblad)

The Money Show’s Bruce Whitfield interviews the famed and fearless journalist about his money history, hopes and beliefs.

2 best companies on the JSE to invest in now (by Nefg Fund Managers)

2 best companies on the JSE to invest in now (by Nefg Fund Managers)

Not sure which shares to buy? Bruce Whitfield interviews Gerbrand Smit, Chief Investment Officer at Nefg Fund Managers.

Malema under fire after 'Indians are racist' comment

Malema under fire after 'Indians are racist' comment

SA Institute of Race Relations media head Micheal Morris says politicians must be cautious of such divisive statements they make.

[WATCH] Eusebius Mckaiser: I call BS on Malema's racism targeting Indians

[WATCH] Eusebius Mckaiser: I call BS on Malema's racism targeting Indians

Show host Eusebius McKaiser says EFF's leader Julius Malema's comments on Indians are grossly unacceptable and irresponsible.

Here's how to check your load shedding schedule in Cape Town

Here's how to check your load shedding schedule in Cape Town

Stage 1 load s​hedding has been declared nationally. The City of Cape Town has urged residents to take note of the schedules.

Man who dumped body of family dog in street demoted at top JHB law firm

Man who dumped body of family dog in street demoted at top JHB law firm

Media law guru Emma Sadleir warns employees online that there are many potential events that could bring a company into disrepute.