Legal Articles Archive
The below articles are only basic guidelines.
Please contact Scorpion Legal Protection for more information.
Does your payslip comply with the law?
Payday is coming up and by law, all employers must issue employees with payslips when they pay them. You may have some questions about what exactly is on your payslip, what your employer is allowed to deduct and what to do if you don’t get one.
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How bail applications work
How bail applications work, who qualifies for bail and what happens to the money that’s paid – Scorpion Legal Protection explains how the process works in SA.
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Types of bail and how they work
You or your lawyer can apply for bail at any stage of the court proceedings – but does this mean you need to go to court to apply for bail? Not necessarily. Did you know there are three different types of bail that the Criminal Procedure Act allows for? Scorpion Legal Protection explains what they are and how they work.
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Paying admission of guilt fines
If you are arrested and the police offer you the option of paying an admission of guilt fine, should you do it? Scorpion Legal Protection discusses the consequences of paying an admission of guilt fine and what you need to be aware of.
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Drunk driving arrest procedure
Scorpion Legal Protection looks at what happens if you are stopped on suspicion of drunk driving. What are your rights? What are the police legally allowed to do?
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Drunk driving legal limits and laws
Scorpion Legal Protection looks at drunk driving laws, how many units of alcohol are in common drinks and the current legal limit.
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Can my employer loan me money?
How do employer-employee loans work? Can your employer charge interest on a loan? What about employers charging ridiculously high interest rates? Scorpion Legal Protection takes a look at what the National Credit Act (NCA) allows.
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Fixed term contract changes
Can employers change when fixed term contracts end? What are your rights as someone working on fixed term employment? When it comes to fixed term contracts, the contract itself is very important in determining whether or not an employer can end the contract or change it before the contract’s end date. Scorpion Legal Protection discusses the laws that apply and what legal recourse you have.
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Identity theft: what to do
Fraudulent activity on your bank account like unexplained purchases and transactions, unauthorised debit orders, receiving statements for accounts you never applied for – these are all signs that you could be a victim of identity theft. Scorpion Legal Protection discusses and explains what you should do.
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Changing working hours verbally
Employers sometimes think they can change employees’ working hours if they want to without discussing it with the employees first. AZIKHIPHI! That’s not on! Scorpion Legal Protection explains why you have to be given notice to change your working hours, why both parties must agree on the changes and which labour laws apply.
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Level 1 rules for sports, cinemas and events
Minister of Sport, Arts and Culture, Nathi Mthethwa, recently announced the new lockdown rules for level 1 under the Covid lockdown regarding events like sports, concerts, live events and movie theatres. Scorpion Legal Protection discusses the three things you need to know about the changes.
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Compensation for domestic workers?
Domestic workers have not been able to claim for injuries at work, but new changes being introduced to the Compensation for Occupational Injuries and Diseases Amendment Bill may change this. Scorpion Legal Protection takes a look at what this means for domestic workers who get injured on duty.
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3 must-know tips for CCMA arbitration
Going through arbitration at the CCMA can seem intimidating. Scorpion Legal Protection gives you 3 must-know tips to help you understand how the CCMA process works.
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Step-by-step guide on going to the CCMA
It can feel intimidating to seek help for legal labour issues from the CCMA if you’re not sure how it works. Scorpion Legal Protection explains step-by-step how to refer a matter to the CCMA.
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Protests: What you need to know
You have the right to protest, but with this right comes responsibilities too. Scorpion Legal Protection explains how not to get in trouble with the law if you want to organise a protest:
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Retrenchment myths debunked
When it comes to retrenchment, you may not know what exactly the law allows employers to do and what not – especially in light of the financial impact of the lockdowns. Scorpion Legal Protection takes a look at SA labour laws and debunks some common retrenchment myths.
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Level 2 rules for food services
Although we’ve moved to alert level 2, many of the level 3 restrictions are still being kept in place for businesses that serve food and alcohol to the public. Scorpion Legal Protection explains the rules for restaurants, bars and other food services under alert level 2: Click to read the full article:
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Can you be retrenched while on maternity leave?
With all the uncertainty around the job market and the financial troubles companies are facing, you may be wondering what happens if you need to go on maternity leave. Will you be targeted for retrenchment? What happens when you get back, can they tell you they’ve retrenched you and that you no longer have a job? Scorpion Legal Protection answers: Click to read the full article:
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Can you claim for both injury and maternity pay
What happens if you’re booked off for an injury on duty (IOD) and then you need to go on maternity leave? Which benefit is the one you’re entitled to? Can you get both? What if your employer chooses to give you the smaller benefit? Scorpion Legal Protection looks at how these kinds of benefits work: Click to read the full article:
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3 reasons you must do your taxes right
Tax season is here. Maybe you’re not sure if you should submit your taxes with everything that’s going on, or maybe you received one of the auto-assessment SMSes from SARS and think you’ll just accept it because it’s less effort. Here’s 3 reasons you must do your taxes right this tax season – Scorpion Legal Protection explains: Click to read the full article:
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Can employers demote you to save money?
Can your employer demote you as a way to save money? Scorpion Legal Protection discusses the law around demotion. Click to read the full article:
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What is desertion from the workplace?
If you don’t go to work, when does it become desertion from the workplace? What does this mean? Scorpion Legal Protection discusses the labour law. Click to read the full article:
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What’s happening with relief payments
What’s happening with relief payments? Scorpion Legal Protection explains what the Employment and Labour Ministry has said, what’s changed, and how to apply. Click to read the full article:
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Referring a dispute to the CCMA
Today we’re discussing the process for referring a case to the CCMA. Many people know about the CCMA, but aren’t sure how exactly to take their issue to the CCMA, what they need and how the process works. Scorpion Legal Protection explains. Click to read the full article:
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Salons are open: what are the rules?
Since both formal and informal personal care services like barbers and hair salons, nail treatments, tattooing and the like are now allowed to operate under gazetted regulations, you might be wondering what rules and protocols they have to follow. Scorpion Legal Protection discusses. Click to read the full article:
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Can I be forced to go in to the office?
“I’ve been working from home since lockdown started, until recently when I started going in half-day on an arrangement with my employer and getting someone to look after my kids while I’m away. This morning my employer called me to say if I do not return full-time on Monday morning I will not be paid.” Scorpion Legal Protection answers. Click to read the full article:
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Can I be forced into early retirement?
“I’m 61 years old and I’ve been working for the same company for the last 36 years. They want me to take an early retirement package, but are only offering one week’s pay for every year of employment I have left. What is the minimum pay they can give me?” Scorpion Legal Protection answers. Click to read the full article:
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Sequestrated but I have no income
Today we look at what happens if you have debt that you can’t repay and you get sequestrated, which means the courts take legal possession of your assets. What happens if you are sequestrated but you have no assets and no income? Scorpion Legal Protection answers. Click to read the full article:
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Do I need a permit to attend a court case?
Under lockdown level 3, if someone travels to Cape Town for work but has to come back to Gauteng for a court case, does he need a permit? And if so, where do I obtain said permit? Scorpion Legal Protection answers. Click to read the full article:
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Dismissed during lockdown, where’s my money?
This week, Scorpion Legal Protection takes a look at a case of a man who was dismissed during lockdown but says his employer still owes him wages for 8 days of work. We discuss what he can do. Click to read the full article:
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Unable to pay rent due to lockdown?
Unable to pay your rent because lockdown left you with no income or not enough to make payment? Scorpion Legal Protection answers the question of whether or not you’re obliged to pay rent for this time, evictions, and what you can do. Click to read the full article:
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Dismissed for fetching medication?
When this employee left work to go to the clinic to fetch his medication, his employer told him he doesn’t want him coming back to work because he will catch the virus and spread it to everyone else. AZIKHIPHI! That’s not on! Scorpion Legal Protection discusses what the law says. Click to read the full article:
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Prayer meeting disturbed by police
What are the rules when it comes to prayer meetings? Scorpion Legal Protection takes a look at a case of a prayer meeting disturbed by police, and explains what is and what is not allowed under Alert Level 4. Click to read the full article:
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Unfairly dismissed for not reporting to work
Unfairly dismissed from work for not reporting? Scorpion Legal Protection takes a look at a case of a woman who was fired because she refused to come to work at the nail salon, or go to people’s homes like her boss told her to. Click to read the full article:
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Assaulted by police?
Police misconduct under national lockdown? Scorpion Legal Protection takes a look at a case of a man who says he was socialising with his friends when the police allegedly assaulted him and his friends and humiliated them by ordering them to jump up and down in front of the neighbours. Click to read the full article:
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Domestic work during lockdown
We look at the case of a domestic worker whose employer is telling her she must report for duty, and whether or not she can refuse because of the risk of being exposed to coronavirus. Scorpion Legal Protection explains what the law says here:
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Check if you have credit insurance
If you have debts, you should check if you have credit insurance that may be able to help you pay your debts during the lockdown and after – you may have it without even knowing about it. Scorpion Legal Protection explains what it is and what the law says here:
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Employers’ responsibility for PPE
Wondering what your employer’s responsibility is with regard to providing workers with personal protective equipment (PPE)? Scorpion Legal Protection breaks down what the law says here:
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Is retrenchment different in lockdown?
Does retrenchment work differently during the lockdown? Scorpion Legal Protection answers some of your questions. Read more here:
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Not getting paid during lockdown?
Not getting paid during lockdown? Scorpion Legal Protection explains what employers need to do to claim from the new Covid-19 Temporary Employee/Employer Relief Scheme (TERS). Click to read the full article:
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Workplace injury nightmare
What happens if you get injured in the workplace but you’re a service provider or independent contractor, not an employee? Scorpion Legal Protection explains your rights and what you can do:
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New minimum wage for SA workers
South Africa’s minimum wage has increased to R20.76 per hour. This is an increase of 3.8% on the previous R20, which came into effect on 1 January 2019 when a legal minimum wage was introduced in SA for the first time. Certain categories of workers have lower minimum salaries.
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Can you do anything about workplace bullying?
Workplace bullying can take a heavy toll on employees, threatening their mental and physical health, and may even result in them losing their jobs. But is there actually anything you can do about it legally? Scorpion Legal Protection takes a look at what the law says:
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Can you force your medical aid to pay?
You rely on your medical aid to pay out when you need it to, but what happens if they refuse to pay for essential medical care or reject a life-saving procedure? Is there anything you can do about it? Find out here:
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Can you take back your resignation?
In an angry moment, you decide to quit your job, but after cooling off, you realise it was a mistake. Can you take back your resignation? Scorpion Legal Protection chats about this:
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“My salary is late again!”
Can you do anything if your employer pays your salary late? Scorpion Legal Protection discusses:
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Jail time for lying on CV?
New legislation means you could get jail time for lying on your CV. Scorpion Legal Protection discusses the law:
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What role does the ombud play?
Not sure who to complain to or why? Read more to find out.
What role does the ombud play in society? If you complain to an organisation and they don't sort things out, the ombud is the person/people at the top of the complaints ladder that you can turn to for help when all else has failed.
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Date added: February 2019
REPORT YOUR LANDLORD TO THE RHT
We discuss what responsibilities your landlord and you have to maintain after reporting.
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Date added: February 2020
UNFAIR BLACKLISTING?
Did you know you can challenge the credit bureaus? Click to read more.
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Date added: February 2020
Neighbour’s dog is driving me mad
The first thing you should do is make your neighbour aware of the situation and try to find a solution.
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How to enforce a settlement agreement
Unlike dismissals due to misconduct or poor performance, dismissals (retrenchments) for “operational requirements” are “no fault dismissals”, which means that the employee did not do anything wrong.
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Dismissed for “operational requirements”
What is a Section 189 process, and what does it mean to be dismissed for “operational requirements”? We discuss:
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It’s my house, move out!
I bought a house cash, but the adult children of the seller are refusing to vacate the house, what can I do about it? We look into the issue:
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It’s not in my job description
Can my employer expect me to perform duties that are not in my contract? We look into the issue:
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CAN YOU GET CREDIT IF YOU’RE UNDER DEBT REVIEW?
We tell you what the law says about debt repayment.
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Date added: January 2020
MINIMUM LEAVE DAYS, BY LAW
Employers sometimes try to get away with giving workers less than what the law says.
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Date added: January 2020
Is suspension without pay fair?
Is suspension without pay fair? Scorpion Legal Protection looks into the issue:
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Learnership must pay a minimum wage
Did you know that learners doing a learnership with a company are legally entitled to prescribed minimum wages? Scorpion Legal Protection looks into learnership allowances and the law:
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Tired of waiting for the RAF to pay out
I lodged a claim with the Road Accident Fund (RAF), when will I get my money? Scorpion Legal Protection looks into the RAF’s processes and what you can expect:
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Can I resign with immediate effect?
Can you resign with immediate effect even if your employment contract says you must give 8 weeks’ notice? We discuss what the law says:
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Tips to avoid getting scammed online
With so much of what we do being online these days or through apps on our phones, cyber criminals are getting smarter and smarter at targeting their victims.
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Date added: December 2019
THE FAKE JOB SCAM
According to the Financial Intelligence Centre, it’s one of the biggest scams South Africans fall victim to.
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Date added: December 2019
THE WHATSAPP FOREX CON
Another ‘investment’ scam doing the rounds – here’s what you need to look out for.
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Date added: December 2019
ARE SOME SITES SAFER THAN OTHERS?
Here’s how you can check – it’s not a foolproof way to avoid getting scammed, but it's a good first step.
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Date added: December 2019
Employer wants to take away my benefits!
If your employer has been paying you a bonus for the last 18 years and then all of a sudden wants to stop paying it, is there something you can do?
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Landlord won’t pay back my deposit!
Jabu’s landlord is full of excuses and reasons why he needs to use her deposit money to pay for repairs – even though at the outgoing inspection Jabu and the landlord agreed that there were no damages. We discuss what she can do.
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Can my boss make me buy my own uniform?
Can your employer force you to pay for a uniform if your job requires it? We discuss what the law says.
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Notice to consult – the details
Facing possible retrenchment? Find out what your employer’s notice to consult letter should look like, why it’s important and when you can take legal action.
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The different kinds of roadblocks
There are two kinds of roadblocks in South Africa that perform different functions. Read more to find out when they can search you and when not.
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Date added: November 2019
THEY CANNOT FORCE YOU TO PAY
Can the police force you to pay traffic fines on the spot? Read more to get the answer.
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Date added: November 2019
CAN YOU RENEW YOUR LICENCE IF YOU HAVE FINES?
The answer – yes and no, it depends. Click here to read what the law says.
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Date added: November 2019
You promised me the job, now what?!
Nono’s manager promised her she would be first in line for a new job opportunity at their company, but a month later she had given it to another employee. Does she have a case for ‘breach of promise’?
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Taxi driver can’t get his pension money
“I’ve been driving taxis for over 20 years, now they are refusing to give me my pension fund and benefits – what can I do?” Scorpion Legal Protection discusses how claiming from your pension fund works and what the law says.
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Do I get money if my insurer wins the case?
If you’re involved in a car accident and your insurance takes the other driver to court, will you get paid out some of the money if they win the case? We discuss what the law says.
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Can striking be seen as absconding from work?
What does a protected strike have to do with absconding from work? Are they the same? Related? We discuss what the law says.
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Unlawful arrests: what you need to know
Unlawful arrests happen, here’s what you need to know about them.
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What happens if you get caught driving drunk in a roadblock?
Drunk driving is never a good idea. Here’s what happens if you get caught.
You will be arrested for being over the limit: If you are suspected of drinking and driving, you will be breathalysed. If the breathalyser tests positive (and you are found to be over the legal limit), the police are entitled, under Section 40(1) of the Criminal Procedure Act 51 of 1977 (the CPA) to arrest and charge you.
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Date added: October 2019
DRIVING WITHOUT A LICENCE
If you get caught driving without a licence, what are the police or metro police legally allowed to do?
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Date added: October 2019
WHAT TO DO IF YOUR PHONE GETS STOLEN
They’re one of the most sought-after items for thieves, here’s what you need to do if yours gets stolen.
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Date added: October 2019
ARE HIDDEN SPEEDING CAMERAS ILLEGAL?
Motorists are often unsure about this question. Here’s what the law says:
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Date added: October 2019
Where’s my bonus?!
Mzwakhe wants to know why he hasn’t received his annual bonus yet – he’s been working for his employer since 2017 and still nothing. Scorpion Legal Protection discusses what the law says on the payment of bonuses.
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Unfair fine for overloading!
Johannes was fined by metro police because his bakkie was overloaded. The problem is, his boss is the one who instructed him what he needed to load on the bakkie. Who does the law say is responsible for the fine? Scorpion discusses.
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Retrenched - give me my backpay!
Precious was retrenched, and says her employer owes her backpay as well as provident fund money. She’s scared they will just vanish and never pay her out. Scorpion Legal Protection discusses what the law says about this and what’s due to retrenched employees according to the law.
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Sheriff vanished, where’s my money!
Blessing paid the sheriff of the court to get his money back, but now the sheriff has vanished and he doesn’t know what to do. Scorpion Legal Protection discusses how sheriffs work in SA, and what Blessing can do.
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Can you use lethal force to protect your property?
What are your rights when you're faced with an intruder on your property who could potentially do you and your family harm?
Can you use lethal force to protect your property, and if so, when? What are your rights when you're faced with an intruder on your property who could potentially do you and your family harm? The basic rule on the right to use force to defend yourself or your property is that the use of force must be proportional to the harm: your defensive act may not be more harmful than necessary to ward off the attack from the intruder.
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Date added: September 2019
YOU ARE RESPONSIBLE FOR YOUR DOGS
If your dogs attack or injure someone, you could be held liable for the damages – even if it was an unlawful trespasser who got injured.
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Date added: September 2019
MINIMUM WAGE UPDATE
The new minimum wage according to the introduction of the National Minimum Wage Act and the amendment of the Basic Conditions of Employment Act (BCEA).
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Date added: September 2019
Bumper bashing disaster for sales rep
Martin says he was parked when an elderly man reversed into him and damaged his car. His car is at the panel beater, but he’s a sales rep, and needs to be able to get to clients for his job. Who’s responsible for this mess? Scorpion Legal Protection discusses how insurance works and what the law says.
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How much paternity leave will a new dad get?
John’s wife just had a baby, and he wants to be there to help out. How much paternity leave do dads in South Africa get? Scorpion Legal Protection discusses what the law says.
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Ex-boss lied about paying my provident
Siviwe found out that his former employer had been making provident fund deductions from his salary every month, but never paid them over to the provident fund. What can he do? Scorpion Legal Protection discusses what the law says, and what action Siviwe can take.
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Women still have a long way to go
Gender inequality is still an issue in the South African workplace. What is your take on things?
Our history is full of brave women who fought for our rights, and we owe it to them to make full use of what we've achieved. Empowerment lies in knowing your rights, and helping others to know theirs. As far as gender equality goes, South Africa still has a long way to go. The African Gender Development Index (AGDI) study found that more...
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Date added: August 2019
UNFAIR WORKPLACE DISCRIMINATION
Feel like you’re being discriminated against unfairly because you’re a woman in the workplace? Here’s how to handle it.
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Date added: August 2019
WHEN CAR DEALERSHIPS DISCRIMINATE
Women often feel intimidated by the men at car repair workshops, because even if they felt they were getting charged more than a man would, they couldn't really argue against it because they didn't know enough about cars. Here’s what the law says.
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Date added: August 2019
FEELING UNSAFE PULLING OVER FOR POLICE
What if the police are trying to pull you over, but you don't feel safe stopping your vehicle? Here’s what you should do.
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Date added: August 2019
Can I be forced to take a lie detector test?
Can your employer force you to take a lie detector test? Scorpion Legal Protection discusses what the law says and how the tests work.
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Ex-boss taking money from my salary!
Mqondisi found unlabelled deductions being taken from her salary when she inspected her last payslip. AZIKHIPHI! That’s not on! Scorpion Legal Protection discusses what the law says about this and how salary deductions work.
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Where can I check my credit score?
Donald wants to apply for finance for a car, but before he does this, he wants to know what his credit score is. Scorpion discusses where to find this information.
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Dealing with a deceased’s estate
Ellen’s brother passed, and her family was told they needed a ‘letter of authority’ to deal with his estate. She has no idea what this is, or where to get it. Scorpion Legal Protection discusses how estates work.
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Ghost promotion: more work, same pay
Patrick says that he works as a general worker and also as an assistant supervisor, but his boss won’t pay him any more than what he pays the other general workers. This doesn’t seem fair… Scorpion discusses what the law says, and what he can do about his situation.
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How do I know when it's unpaid leave?
Ornella wants to take leave, but she is new at her company and is not sure if she will be paid while she is on leave, or if these days will come out of her salary. Scorpion discusses how leave works according to SA’s labour laws.
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Avoid getting scammed during tax season
Here are some tips from SARS to avoid getting caught in a scam.
Not sure what’s legitimate and what’s a scam? Here are some tips from SARS to avoid getting caught in a scam.
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Date added: July 2019
SCAM EMAILS THAT LOOK LIKE THEY COME FROM SARS BUT DON'T
Beware of emails that look like they come from SARS. Scammers are using emails to fool people into giving out important personal information that they can then steal to use fraudulently. Two of the email addresses identified as scam by SARS are returns@sars.co.za and refunds@sars.co.za. The scammers trick people by saying that they are eligible to receive a tax refund, and these emails have links to false forms and fake websites made to look like the “real thing”, but with the aim of fooling people into entering personal information like their bank account details. #StaySmart
Source: www.sars.gov
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Date added: July 2019
THE SCAM SARS IS WARNING PEOPLE ABOUT
Every year scammers try to take advantage of people doing their taxes. SARS has warned about the latest scam involving an eFiling letter notification (have a look at the image to see what this scam looks like). Members of the public are randomly emailed with false “spoofed” emails made to look as if these emails were sent from SARS, but are in fact fraudulent emails aimed at enticing unsuspecting taxpayers to give out important personal information like their bank account details. Stay sharp! #StaySmart
Source: www.sars.gov
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Date added: July 2019
New minimum wage for
contract cleaners
Dorah applied for work as a cleaner, but when her new employer told her she would only be getting R15 per hour, she was a bit upset. She doesn’t know what exactly the minimum wage is for cleaners, but it has to be more than that! Scorpion Legal Protection explains what the minimum wage for cleaners is by law.
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No employment contract, now what?
Promise started work as a receptionist for a small company, but after 2 months she still didn’t have an employment contract. Her boss hasn’t said anything, and now she’s not sure if she should ask him or just leave it. Scorpion Legal Protection discusses employment contracts and whose responsibility it is to provide one.
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I resigned, can I claim constructive dismissal?
Johannes says that when his boss changed him from a reaction officer to an armed guard, without any discussion or consultation, his working conditions became intolerable. Things were so bad that Johannes felt he had no other choice but to resign. Is this a case of constructive dismissal? Scorpion Legal Protection discusses his options.
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Boss won’t let them take a break
Ernest’s boss is a real jerk – he won’t let his employees rest for even 15 minutes of the day because he says he’s paying them to work, not sit around. AZIKHIPHI! That’s not on! The law is on Ernest’s side. Read more to find out what he can do:
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Car workshops: What are your rights
When it comes to having your car repaired or towed, both you (as the owner of the vehicle) and the service provider are protected by the law.
You have the right to good quality service and to have your car properly looked after while it's in the workshop or towing company's possession. If you feel that they have not performed these duties, or worse yet, stolen goods from your vehicle, you have legal rights and can take action.
But you also have the responsibility to pay for the services they provide, and if you don't or can't, then the service providers have a legal right to keep your car until you pay what you owe them, and if you don't, they can institute legal action against you to be allowed to sell your car to make up the money you owe them.
As always, make sure you read the fine print of any contract you sign so you understand the terms and conditions properly, and don't get a surprise later on.
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Date added: June 2019
WHAT'S A FAIR PRICE FOR CAR STORAGE AT A WORKSHOP?
What is a fair price to be charged when your car is stored by a towing company or workshop? Well, the answer is not simple. There is no standard fixed storage fee for the industry. The Competitions Act does not allow industry-wide fixing of prices by any industry, which will lead to investigation by the Competition Commission and possible prosecution in the Competition Tribunal, as it is illegal. (Anti competitive.) The South African Towing and Recovery Association (SATRA) advises that prices between R100 and R450 per day are currently being charged. The average is around R200. It will depend on the towing operator who towed your vehicle what is being charged - it could be a guy who stores your vehicle in his backyard or a professional towing company that has a properly secured towing yard with 24-hour manned security.
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Date added: June 2019
WATCH OUT FOR TOW TRUCK SCAM OPERATORS
Tow truck operators can be unscrupulous when they spot a vehicle in an accident, and can hook your car up to tow before you get a chance to refuse, charging you whatever they want for this service later. AZIKHIPHI! That's not on! Look for tow truck operators that are part of the South African Towing and Recovery Association (SATRA) and UTASA (United Towing Association of South Africa). They are bound by an enforceable code of conduct that protects you, the consumer, from being charged above market-related rates. #StaySmart
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Date added: June 2019
Can recordings be used against you?
Did you know that in certain circumstances an employer can use recordings against you at a disciplinary hearing, even if they were obtained without your consent? Scorpion Legal Protection talks about when and why it’s allowed and what the law says about this.
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What does it mean when you get an e-toll summons?
When Steven received a summons for his outstanding e-toll bills, he thought nothing of it, and chucked it in the bin. But he was a little worried, and had some questions. What is a summons and is it legally binding? Scorpion Legal Protection discusses the issue.
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Employer refuses to pay out leave
When Nkosazana resigned, she questioned her employer about why he hadn’t paid her out for the leave days she didn’t take. He told her he’s sorry but she should’ve taken the leave days when she had the chance. AZIKHIPHI! That’s not on! Scorpion discusses why her former employer could get in trouble with the law.
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Can you refuse to sign a warning?
Linda* wasn’t aware of her company’s policy when it came to streaming music, so when HR dropped a written warning on her desk for streaming music, she was shocked. She doesn’t want to sign the letter, but she’s not sure what will happen if she refuses. Scorpion discusses how warnings work and what Linda’s options are.
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Debt paid up but still on his name
Siyabonga’s employer accused him of stealing, and claims he has CCTV footage of the event. Can CCTV footage be used at the CCMA? Scorpion Legal Protection discusses the laws that apply.
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You bought a faulty car, now what?
What do you do if you’ve bought a brand-new or good quality used vehicle and then realise that the vehicle you bought is defective, damaged or not fit for the purpose for which you bought it for?
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Date added: May 2019
CPA SAYS YOU CAN'T JUST CHANGE YOUR MIND
The Consumer Protection Act protects both buyers AND sellers of motor vehicles. If, for example, you've bought a car and then later decide that it's too expensive or you don't like it as much as you thought you would, you don't have the same rights, and can't just demand a replacement or refund. The CPA only covers you for defects or quality issues, or if the car is not fit for its intended purpose. If you simply find that you don’t like it and want a refund, that would be subject to the return policy of the particular seller. Make sure you're 100% happy with your purchase before you sign on the dotted line. #StaySmart
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Date added: May 2019
VEHICLE WARRANTIES: READ THE FINE PRINT
Not sure what parts of your car are covered by the manufacturer's warranty? Each manufacturer will have their own specific warranty, so make sure you check your car's documents carefully, but in general, parts that fall under the warranty are things like the engine, gearbox, electrical components, fuel system, audio system and sensors. A motor warranty does not cover you for general wear and tear (like windscreen wipers and tyres) or damage as a result of your own negligence (you failed to take proper care of the car). #StaySmart
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Date added: May 2019
WHAT YOU MUST INCLUDE IN A PRIVATE CAR SALE
A private car sales agreement is legally binding as long as it includes the following:
The item for sale must be specified. While it is not necessary to be 100% precise, the more information listed, the better.
The name of the person selling the vehicle should be listed and notice must be made of their intention to sell the vehicle.
The name of the person buying the vehicle should be listed as well as their intention to purchase the vehicle.
#StaySmart
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Date added: May 2019
Can CCTV footage be used at hearings?
Siyabonga’s employer accused him of stealing, and claims he has CCTV footage of the event. Can CCTV footage be used at the CCMA? Scorpion Legal Protection discusses the laws that apply.
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Forced to take leave when company closes
Mbongeni’s* company closes every year for 10 days over the December holiday period, and every year the staff take their annual leave over this same period. This year, Mbongeni wants to take his annual leave over the Easter holidays, but his employer says he can’t. Can his employer do this? What are Mbongeni’s rights?
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Scared to ask for maternity leave?
Ntshadi* knew she was pregnant a week before she went for a job interview. Seven months later at her new job, she tells her employer that she will need to go on maternity leave soon and he freaks out. What if he fires her because she didn’t tell him she was pregnant? Or gets someone else in her place and tells her not to come back? Scorpion discusses why that would be a very bad idea for her boss and how the law protects her.
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Watch out for RDP scams
Andile* was struggling to find a place he could afford. He’d heard about a guy who could get you onto the waiting list for an RDP house and then bumped up on that list too. It sounded like a wish come true! But aren’t RDP houses run by the government for the poor? Scorpion discusses how RDP houses work and why these ‘get a house quick’ schemes are illegal.
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4 THINGS TO DO BEFORE SIGNING YOUR LEASE
Renting or buying property is usually one of the biggest monthly expenses you'll have. Make sure that you have all the information you need, and don’t let anyone pressure you into signing an agreement without reading through it carefully. Here are 4 things to do before signing on the dotted line:
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Date added: April 2019
OUTGOING INSPECTION IS A MUST
When you leave a rental property, you must insist on an outgoing inspection and demand a statement of the deductions made from your deposit together with the receipts for any repairs taken from your deposit. #StaySmart
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Date added: April 2019
WELCOME TO THE BODY CORPORATE
When you purchase a property in a sectional title scheme (like a complex), you automatically become a member of the body corporate. Owners are automatically bound by the rules of the body corporate. It's the buyer's responsibility to request a copy of the body corporate rules before purchasing the property. Make sure you know what you're buying into. #StaySmart
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Date added: April 2019
THE RENTAL HOUSING ACT PROTECTS YOU
Sometimes a landlord might ask you to sign a lease agreement where you promise not to enforce some of your rights. For example, that the landlord doesn't have to give you a written statement for all payments made and received by him/her, like water and lights bills, etc. However, even if you sign a lease like this, the law of contracts and the Rental Housing Act mean that this lease will be invalid and the landlord will not be able to enforce it. #StaySmart
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Date added: April 2019
Company withholds his provident claim forms
Damion left his previous company on bad terms. To ‘get back’ at him, the company refused to give him a copy of the provident fund withdrawal notification form, which means Damion can’t get hold of his provident fund. AZIKHIPHI! That’s not on! Scorpion Legal Protection discusses what he can do.
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Scammed by shady debt counsellor
Amanda’s debt counsellor has been doing shady things like charging her “collection commission” and not responding to her creditors. As a result, one of her creditors came to repossess her car. Now she has to pay to take the taxi to work every day, and she is already struggling with her money! AZIKHIPHI! That’s not on! Scorpion Legal Protection discusses what she can do.
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Unhappy about SAPS investigation
When Kabelo’s car was stolen, he expected the police to investigate the case as soon as possible. But two months later, it appears that they still haven’t done anything and now he wants to know if there’s anything he can do about it. Scorpion Legal Protection discusses.
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Hospital mistreated her: can she sue?
Mama Sihle says she experienced terrible mistreatment 7 years ago at the hands of the hospital where she had her child. The incident has left her traumatised for life, and because of this she wants to know if she can open a case against the hospital. Scorpion Legal Protection discusses.
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CHECK YOUR EMPLOYMENT CONTRACT CAREFULLY
You might be super excited to finally receive that employment contract and get working, but it's important that you read through it carefully instead of just signing on the dotted line. It's a legally binding commitment you make to the employer, so you need to make sure that you have a clear picture of what you’re getting into.
Here are 6 things to always check before signing an employment contract:
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Date added: March 2019
YOU MUST WORK YOUR NOTICE PERIOD
You cannot just decide to not work your notice period when you resign from a job. If you haven't reached an agreement with your employer to waive the notice period required by your employment contract, you will be in breach of contract if you don't report for work, and your employer will not have to pay you for your notice period. #StaySmart
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Date added: March 2019
DANGEROUS CONDITIONS ARE ILLEGAL
It is illegal for any employer to have employees work in dangerous or unsafe environments. Examples of unsafe environments include things like defective equipment, fire hazards, poor air conditions (like in mines or factories), and dirty and cluttered workplaces where employees could, for example, trip on extension cords that were not put away properly or slip and fall on dirty staircases. #StaySmart
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Date added: March 2019
NO DISCRIMINATION FOR JOINING UNION ALLOWED
No employer can stipulate in an employment contract that employees are prohibited from joining a trade union. This is considered an 'unlawful clause', which means that even if it's in your employment contract, it's illegal, and you cannot be fired if you go against it. #StaySmart
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Date added: March 2019
Circumcision - can you take sick leave?
Sakhumzi* went for circumcision, and was booked off from work for three days after to heal. When he got back to work, his boss said he would not pay him for those three days because it was a “personal problem” and not a medical one – even though he submitted a doctor’s note. Is his employer right?
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Boss can’t punish you with short time
Malusi* was called in by his employer for poor work performance. His employer decided that since he was not performing well, he would put him on short time. AZIKHIPHI! That’s not on! Short time is not something employers can use as a disciplinary measure!
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Boss makes life unbearable
When Kopano spoke up against the unfair treatment his boss gave his co-workers, his boss started treating him badly to – to the point where Kopano felt all he could do was resign to get away from him. AZIKHIPHI! That’s not on! This is called constructive dismissal, and while it can be difficult to prove, it’s not impossible. How do you know if you have a case of unfair dismissal?
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Warning for missing one meeting!
Mohamed missed one meeting and got a written warning from his employer. AZIKHIPHI! That’s not on! Employers can’t just dish out warnings without following procedure. Find out more about warnings in the workplace, when they’re fair and what to do if you don’t agree with a warning.
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HOW DO YOU PROVE CONSTRUCTIVE DISMISSAL?
Constructive dismissal is the ultimate workplace bullying. It's when your employer makes working for him/her intolerable, to the point where you have no other option but to resign. Constructive dismissal can be hard to prove, because the responsibility to prove constructive dismissal is on the employee.
The employee must be able to prove that:
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Date added: February 2019
CHARGING FOR A QUOTE IS ILLEGAL
Workshops, mechanics and other motor-related repairmen are not allowed to charge you for any diagnostic work or inspections they need to perform in order to give you a quote, unless they've discussed this with you beforehand and you've agreed. #StaySmart
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Date added: February 2019
YOU CAN DEMAND TO SEE THE ACCOUNT
As a tenant, you can demand to see the landlord’s municipal account to check the charges he/she passes onto you – like water and electricity. #StaySmart
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Date added: February 2019
UNFAIR DISMISSAL: DON'T WAIT, GO TO CCMA
If you have a labour problem, it is very important that you take steps immediately. In the case of an unfair dismissal dispute, you have only 30 days from the date on which the dispute arose to open a case, if the case is an unfair labour practice, you have only 90 days and, with discrimination cases, you have six months. #StaySmart
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Date added: February 2019
Employer making unexplained salary deductions
Ayanda’s employer is deducting things from her salary, but these deductions aren’t on her payslip, and she thinks he might be taking money from her unnecessarily. When she asks him, he tells her to “stop being clever” and the deductions continue to go off every month. Can he do this? Scorpion Legal Protection discusses the law when it comes to salary deductions.
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Brother is hiding father’s will
When Mr Mqhamzana* passed away, he left a will detailing how his assets were to be distributed among his children. Nomvula’s* brother is in possession of the will, but refuses to show it to her or provide her with it so that she can claim what her father left to her. What can she do? Scorpion Legal Protection discusses estates and what you can do if you find yourself in a similar situation.
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Fired for being sick!
Nkibelo* is a salesperson at a big company. Lately, he hasn’t been feeling too well. He’s been working extra hard to make his targets, and then one day while he was visiting a client, he fainted. They took him to hospital, and he was diagnosed with extremely low blood pressure. The doctor booked him off work for a week to recover, but on day three, Nkibelo’s boss called him to tell him he’s fired.
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Employer is still not paying up
When Daniel won his case at the CCMA, he was relieved. Finally he would get paid out. The court ordered his employer to pay him out R18 900, but it’s months later and it seems like his former employer is just ignoring the court order! How can he force his employer to pay up? Scorpion Legal Protection answers this question.
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Can Mpho claim UIF illness benefits for diabetes?
Mpho didn’t know she had diabetes, and became very ill. She had no more sick leave left, so when she had to take off work for health problems, her employer did not pay her a salary. She wants to claim from UIF, but her boss told her that it’s only for ‘serious’ diseases like cancer or AIDS. AZIKHIPHI! That’s not true. Scorpion Legal Protection discusses how to claim UIF illness benefits.
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WHAT TO DO IF A SUPPLIER FAILS TO COMPLY WITH THE CPA
What can you do if a supplier fails to comply with the Consumer Protection Act?
- You should lodge a complaint with the supplier. Get your complaint in writing so you have proof of the conversation. If you lodge your complaint over the phone, ask for an e-mail address in
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Date added: January 2019
YOU MUST BE ALLOWED TO EXAMINE IT FIRST
Companies must deliver goods that match the sample or description of the product. You have the right to examine your purchases before accepting them, and reject them if you’re not happy. #StaySmart
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Date added: January 2019
NO MORE AUTOMATIC CONTRACT RENEWALS
Automatic contract renewals are no longer allowed under the Consumer Protection Act. Companies will have to contact you – in writing – between 40 and 80 business days before your contract expires. They have to give you the option to continue your contract, change its terms or cancel it. #StaySmart
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Date added: January 2019
VOETSTOOTS NOT LEGAL ANYMORE
'Voetstoots' is no longer allowed under the CPA – stores and suppliers, even pawn shops, must let you know of all defects with the product you are looking to purchase. The Consumer Protection Act protects your right to good quality products in good working order that are fit for their purpose. #StaySmart
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Date added: January 2019
IF THE PRODUCT FAILS AGAIN, TAKE IT BACK!
If you purchased faulty or unsafe goods, and returned them to the supplier for repairs only to have the product fail again within three months, the supplier must replace them or refund you, provided you did not cause the damage deliberately or due to gross negligence. #StaySmart
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Date added: January 2019
How does family responsibility leave work?
Mary wanted to take family responsibility leave to grieve the passing of a family member, but her employer refused to approve it until he knew which family member it was for. Mary didn’t understand why this was necessary, family is family and this is her family responsibility leave to use or not use. Scorpion Legal Protection discusses family responsibility leave, how it works and why her boss would ask her about it.
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Can my boss force me to work on Christmas?
Mpitse’s* boss says he has to work on Christmas, but he’s already made plans with his family. AZIKHIPHI! That’s not on! When can employers force you to work, and how does annual leave work when it comes to the holiday season?
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Store refuses to fix faulty goods
Tito was so excited when he bought his family a new home theatre system for the holidays. But just two weeks later, his speakers were no longer working. AZIKHIPHI! That’s not on! He paid good, hard-earned cash for his goods from a reputable store; they must take responsibility and fix it! What legal recourse does Tito have?
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Fired for car accident
When Thulani had a car accident in the company car, his boss fired him on the spot and didn’t pay him his salary. A car accident is serious, but surely an employer can’t just fire an employee? Scorpion Legal Protection answers this question.
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TIPS FOR DRAFTING YOUR WILL
Tips for drafting a will:
- Keep your will updated when your life circumstances change, for example a birth or death occurs
- When creating your will, consider who you leave your assets to carefully. Leaving unspecified assets to multiple beneficiaries could lead to issues, for example, fighting over trying to share a house inherited by two people
- If you have children younger than 18, you should appoint someone as their legal guardian in the event of your death
- Create a testamentary trust to protect children younger than 18 who stand to inherent possessions when you die
- Nominate an executor in your will. An executor is the person tasked with the administration of your estate when you die. An executor also assists with the distribution of your assets to the beneficiaries stipulated in your will
- Heirs (the legal inheritors of something) must be clearly identified by full names, surname, relationship and identity number
- Ensure that you understand each clause in the drafted document and that the will accurately reflects your wishes
- You must ensure that each page of the Will, including the last page, is signed by yourself(testator). The Will must also be signed by two competent witnesses. A person will qualify to be a competent witness if s/he is 14 (fourteen) years of age or older.
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Date added: December 2018
PAYOUTS ARE TAXED
If you have a pension/provident fund, you have the option to take a part or full lump sum payout when you retire or change jobs (depending on your specific fund). But all lump sum payouts, whether as a result of retirement or not (and from an employer in respect of a severance benefit), are taxed. #StaySmart
*This does not constitute financial advice.
Date added: December 2018
LICENCE FOR EACH FIREARM
A firearm licence only covers one firearm. For every firearm you own, you need to have a separate firearm licence, or you could get into trouble. #StaySmart
Date added: December 2018
YOUR WILL MUST BE SIGNED BY WITNESSES
When you draw up a will, you should make sure that you and two witnesses sign your will on each page and next to anything that you may have amended. Witnesses should be people who have no interest in the will, and their signatures merely acknowledge that they saw you sign your will. They do not have to know the content of the document. When you sign your will, it is preferable not to ask family members or anyone else who could be an heir or the spouse of an heir to sign as a witness. #StaySmart
Date added: December 2018
Car dealer scams on car extras
When Prince bought a bakkie, he agreed on a price with the second-hand car dealership. But when he went to fetch his car, the dealers said he needed to pay separately for extras on the car – but they were already part of the car!
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Stuck with her family’s debt
When Lungi’s aunt asked her to buy a few things for her on Lungi’s store account, she didn’t think twice – umdeni wakho awukhethi. But her aunt has failed to make payment on the debt, and now the debt collectors are after Lungi! What can she do?
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Dismissed over the phone
Sentso’s boss called him one day out of the blue to tell him the company was having financial difficulties, and he should not report to work until further notice. AZIKHIPHI! That’s not on!
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When debt collectors don’t stop
Pearl loves shopping, but got into trouble when she failed to pay her accounts. She owed R1 500. Debt collectors have been debiting money from her account for this debt since 2005 – which means she has paid back far more than what she owed.
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THE LAW PROTECTS YOU FROM UNFAIR RETRENCHMENT
Statistics South Africa's latest report for 2018 showed that unemployment rose to 27.2% – that's 6.08 million South Africans sitting without a job. And retrenchments are happening all the time, which is why it's so important to know and understand how the law protects you against unfair treatment from your employer. According to the Labour Relations Act, employers are not allowed to retrench workers without a valid, lawful reason; without consultation and without following a clearly defined process.
If you suspect you've been unfairly retrenched, you can lodge a claim with the CCMA, but you must do this within 30 days of receiving notice of retrenchment from your employer.
Know your rights as a worker so you can strike back legally!
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Date added: November 2018
COMPENSATION AFTER WINNING AT CCMA
If you have referred a case of unfair retrenchment to the CCMA and it was found that you were unfairly retrenched and that your employer should reinstate you, you may have to return the severance money paid to you if you have already received payment.
However, this is subject to what both parties may agree on, so these matters should be taken on a case by case basis. In some matters, the employee is reinstated and it may be agreed between the parties that the employee can keep the severance pay. This depends on what kind of compensation the employee is seeking from the unfair retrenchment. In some cases, the employee may not be entitled to compensation due to having received and kept the severance pay. #StaySmart.
Date added: November 2018
LEAVE MUST BE PAID OUT
Your employer cannot refuse to pay out all your leave as part of your severance package should you be retrenched. The Labour Relations Act has clear rules for retrenchment procedures and says that you should get all accumulated leave paid out to you in the case of retrenchment. That means that any leave days that you didn't take should be paid out to you as part of your severance package. #StaySmart
Date added: November 2018
WHAT DOES RETRENCHMENT PAYOUT INCLUDE?
Depending on your employment contract, should you be retrenched, you may also have the right to have the following paid out to you along with your severance package: pro rata payment of bonus, pension and provident fund. It is important to ensure that you get what you are due in the event of retrenchment. #StaySmart
Date added: November 2018
CCMA FOR UNFAIR RETRENCHMENT
If you think your retrenchment was unfair, you can apply to the CCMA for help within 30 days of being retrenched. The CCMA can force the employer to comply with the retrenchment procedure, prevent them from retrenching workers, and order them to award compensation to a worker. #StaySmart
Date added: November 2018
NO RETRENCHMENT WITHOUT VALID REASON
You cannot be retrenched if the company wants to replace you with someone else. If your position is an important part of the operations of the company, they cannot retrench you. The law states that your employer is not allowed to retrench you without reason, without consultation and without following a clearly defined process. If you are retrenched and find out that your job was given to someone else, it qualifies as an unfair dismissal and you can report the case to the CCMA. #StaySmart
Date added: November 2018
Driver refuses to pay for damages
Ayanda* was worried when she was involved in a car accident recently. Luckily no one got hurt, but her car was damaged. The accident wasn’t her fault – the other driver didn’t brake in time and rode into the back of her car. He admitted the accident was his fault, and said he would pay to have Ayanda’s car fixed.
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Unilateral changes not allowed
Employers are not allowed to change material terms of your employment contract without talking to you, the employee, about it first. By carrying out unilateral (one-sided) changes, it’s as if your employer has replaced your existing contract with a new one without your knowledge – and that is not allowed. #StaySmart
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Rules for salary deductions
Section 34 of the Basic Conditions of Employment Act says that deductions for damage or loss caused by a worker may only be made if:
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Minimum leave according to law
According to the Basic Conditions of Employment Act (BCEA), the minimum amount of leave an employer must give workers is 15 working days for every year, or 1.25 days for every month you have worked. #StaySmart
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Don't talk on your phone while driving!
Be careful - even if you’re not talking on the phone or messaging while driving, you could still be fined. The National Road Traffic Act expressly prohibits the use of a cellphone and further states that it is illegal to even hold one while driving. #StaySmart
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Don't be fooled by dishonest car sales people
Voetstoots doesn't mean dishonest sellers can just get away with selling defective goods – the Consumer Protection Act is there to protect buyers. The law allows for buyers to cancel the contract or sue the seller for a lower selling price if:
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Don't give out your tax number
SARS won't give your tax number to anyone other than you, the registered taxpayer, unless the person is your tax practitioner or has Power of Attorney (POA) to conduct your tax affairs. This is to ensure your personal information is kept safe. #StaySmart
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Insist on your IRP5 from your employer
Insist that your employer provides you with your IRP5 so you can compare this to the one submitted to SARS. Your IRP5 describes your employment income and deductions as well as the PAYE tax already paid. Employers have 2 months from May to submit these to SARS and should begin giving them to employees at the beginning of June. If you don’t have it by July, you have a right to demand it. #StaySmart
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CHECKLIST BEFORE BUYING/RENTING PROPERTY
Property is a big expense, whether you're buying or renting. Never trust pictures alone, or what someone else says – you should always go and inspect the property thoroughly yourself.
Here's a short checklist of what to look for before signing any contracts:
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Date added: October 2018
WATCH OUT FOR CONSTRUCTION SCAM
Builders sometimes approach people who own council houses and persuade them to make alterations by adding extra bedrooms or a garage for a spaza shop. Finance can be obtained by having a mortgage bond registered over the whole property, which is worth more than the alterations. The builders do not tell the owners that if they are unable to repay their bond, they will not only have to pay for the alterations, but can lose their whole house if it's sold by the bank. #StaySmart
This is not financial advice.
Date added: October 2018
TENANTS HAVE THE RIGHT TO PRIVACY
When you rent property, as the tenant, you have the right to privacy, and the landlord may only exercise his/her right of inspection in a reasonable manner after reasonable notice to you. He/she must also have a valid reason for this – to inspect the property, carry out maintenance or repairs, or to show the property to a potential tenant or buyer. In other words, your landlord is not allowed to enter your home unless an arrangement has been made with you, the tenant – a landlord who enters the tenant’s dwelling without permission may be guilty of criminal trespassing. #StaySmart
Date added: October 2018
LANDLORD MUST INVEST YOUR DEPOSIT!
When a tenant pays the landlord a deposit, this money must be invested by the landlord or agent in an interest-bearing account. The landlord can use the deposit (plus the interest) to pay for any amounts the tenant is liable for under the lease, for example missed rent, or damage to the property caused by the tenant.
Whatever is left of the deposit money must be refunded to the tenant no later than 14 days after he/she has vacated the property. If the tenant does not owe anything, the landlord must return all the deposit money, plus its interest, to the tenant within 7 days of the lease expiring. #StaySmart
Date added: October 2018
Labour laws and legal bodies that protect your rights
There are a number of labour laws and legal bodies that protect your rights as a worker. If you are dealing with labour-related legal matters.
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Date added: 18 October 2018
Beware of scams and phishing using the SARS brand
Beware of scams and phishing. There is a steady increase in email scams and phishing attacks using the SARS brand. Members of the public are randomly emailed with false “spoofed” emails made to look as if these emails were sent from SARS but are in fact fraudulent emails aimed at luring unsuspecting taxpayers to disclose information such as bank account details.
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Be on the lookout for these car scams
A scam can be defined as an illegal plan for making money, especially one that involves tricking people.
In some instances car scams occur when the scam artists portray themselves to be a legitimate company but are actually fraudsters. They trick you into making payment to them in return for the delivery of a vehicle. The vehicle is never delivered and they cannot be contacted on their phone numbers.
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Date added: 18 October 2018
New house broken, agents say nothing
When Ruth bought a flat, she expected the place to look the way it did when she first went to view it. But when she got there to move in, someone had broken the door handle off and removed things, leaving the flat in a terrible condition. Legally the house belongs to her now and is her responsibility, but shouldn’t the agents have kept the property safe? Scorpion explains what the law says on situations like these and what you can do.
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Basics principles for doing your taxes
Doing your taxes doesn’t have to be hard, even if it's your first time. This is a summary of the basics:
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Date added: 18 October 2018
Second wife tries to evict the children
When Mpondo’s father passed on, his father’s second wife threatened to evict them from his RDP house if they didn’t move out. She said it belonged to her, and they needed to get out or else… Can she do this? Scorpion explains what you can do in this kind of situation.
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No criminal record but still fired
Even though his criminal record was cleared, Jayden’s boss fired him when he found out that he had a criminal record. Can he do this? Scorpion explains the law on clearing your criminal record and what you can do if you find yourself in this kind of situation.
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Insurers tampered with my car
Xolani* was involved in an accident, and had to have his car repaired. Fortunately, he had insurance, so he wasn’t worried. His insurer asked him to send copies of his vehicle documents, which he did. A few days later, they sent someone out to collect the vehicle for an assessment. They kept the vehicle for a week. When Xolani got his car back, he noticed that things were very wrong...
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CCMA win, still no payout
TK* and his friend Oarebile* recently got a CCMA award in their favour for a case they lodged against their employer. They had been working at the company on a three-year contract when the company decided to terminate their contracts. They were not given notice of termination. The CCMA found the company guilty and an award was given in their favour, but the company refuses to pay them. What now?!
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Careful of pawn transations
Masego* and her husband desperately needed cash to get through the month, and decided to loan money from a pawn shop. They borrowed R20 000, which they had to pay back with R6 000 interest. The interest was to be paid in full by 14 August 2018. If they could not pay back the money by the agreed time, the pawn shop could sell their car.
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Sold a bum house!
Tshepo* has been looking for a house for her family, so when she found out about an auction and that there would be houses for sale for a very good price, she decided to buy. But when she arrived with all her stuff, ready to move in, she found another family already living there. What now?!
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Fired for being pregnant!
Theola has been working as a receptionist for a small company for a couple of years. When she fell pregnant recently, she thought her boss and colleagues would be happy for her. But when she told her boss the news, he got mad and said he couldn’t have a big, fat pregnant woman receiving their customers.
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Landlord locked them out illegally!
Phil and Eunice had been renting a small flat for a couple of years. Usually they had no problems paying the rent, and made sure things were always handled on time. But last month, Phil was retrenched unexpectedly, and the couple had financial problems – without Phil’s salary they could barely afford food for the month, they knew they couldn’t afford to pay the rent.
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Brother won’t share inheritance
*Nokubonga’s father passed away in 2015, leaving behind his two wives and their children (one child from his first wife, and Nokubonga and her brother from his second wife). When they tried to sort out their father’s estate, Nokubonga’s father’s first wife said she would handle matters on her own, she didn’t want them involved. They never saw a cent of their father’s estate.
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It is your socio-economic right
It is your socio-economic right to have shelter and your landlord can't just kick you out, even if you haven't paid your rent. He will have to follow a process of eviction first. This is the process of eviction he must follow:
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Date added: 19 July 2018
Applying for a social grant is free
Applying for a social grant is free, don't ever be scammed into paying for it! SASSA will give you a receipt when you apply. You must keep this receipt as proof of the date you applied for the grant, especially for grants where the payments are backdated. #StaySmart
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You have a right to social grant
A social grant is financial help from the government. This is for people with low or no income, who can’t work due to injury or disability, or with children. #StaySmart know what kind of grants South Africa offers:
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Verbal contracts are not safe
Akira had an interview with a potential employer. They discussed many things, including the salary she would get. Her new employer called to tell her she had gotten the job, and asked her to start the following Monday – they would give her an employment contract to sign then.
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Fired without a hearing
Elton works as a cashier at the local butchery. He’s never had any warnings or gotten into trouble at work. One morning, his boss stormed in yelling that someone had stolen some of the store’s meat. The next day, Elton was told that he had been fired.
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Look after your children
If a child does not receive the necessary care and protection from their parents or guardians such as basic nutrition, care, shelter, or healthcare, it is considered neglect.
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What is customary law?
Customary law in South Africa has been taken into account when it comes to the application of the law to ensure that our cultural diversity is celebrated instead of oppressed. For this purpose, the law recognises the following customary practices:
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Date added: 4 July 2018
Whose responsibility is safety at an event?
The Safety at Sports and Recreational Events Act (SASREA) states that the safety and wellbeing of people attending an event lies with the event organisers. Here are some of the responsibilities of the event organisers:
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Date added: 4 July 2018
The Consumer Protection Act and returning unsatisfactory items
The Consumer Protection Act (CPA) protects the consumer and the store when it comes to returns. You have the right to return broken goods to the store if the store's policy allows it. Here are other options for dealing with an unwanted gift if you cannot return or exchange it:
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Date added: 4 July 2018
Your customary marriage is recognised by law
The Recognition of Customary Marriages Act (RCMA) 120 of 1998 legally recognises customary marriages as valid and legal.
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South African courts and the law
Be informed about the law surrounding courts in South Africa. South Africa has a variety of courts that hear different cases:
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Date added: 4 July 2018
Register your customary marriage
If you get married under customary law, the marriage is considered valid and legal in terms of the Recognition of Customary Marriages Act (RCMA).
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Don't discriminate!
According to the Constitution, we must look at when customary law should be used to make sure that the application thereof is not discriminatory.
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Legal documents – don't ignore them!
It is important to get paralegal advice when you get any legal documents, or if you need to submit any legal documents. Legal documents include:
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Date added: 4 July 2018
Insurance and the law
Insurance is necessary to protect you, your loved ones and the things you've worked hard to own. But in order to get a payout, you need to make sure you follow the rules, and provide the insurer with everything they need.
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Date added: 4 July 2018
Wrongful arrest for peeing
If you are wrongfully arrested for peeing in public, you may have a civil claim against the Minister of Police.
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Your rights with police searches
Section 29 of the Criminal Procedure Act, 51 of 1977, states that you can only be searched by an officer who is of the same gender as you.
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Public drinking is illegal
If you are caught drunk in, on, or near any road, street, lane, thoroughfare, square, park or market or any other public place.
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Returning unwanted gifts
If you want to return an unwanted gift to the store, you need to ensure that your return is in line with the Consumer Protection Act (CPA).
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Receiving expensive gifts from clients
Receiving gifts from clients or suppliers is part of working with other people. To cover their employees and themselves, companies must adopt a policy on gifts.
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Store return policies
Before you return an unwanted gift, you need to find out what the store policy is. Check if they want the product in its original packaging, if they require proof of purchase and if they accept money-back returns or only exchanges.
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Your rights to a fair trial
If you are accused of a crime, whether you are guilty or not, you have the right to a fair trial. That's the law.
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Present your case in any South African language
You can present your case in any of the 11 official South African languages at the Small Claims Court. #StaySmart know your rights!
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Cases handled by the Magistrate's Court
If you have a civil matter, such as a dispute over a municipality bill, your case will be heard in the Magistrate's Court.
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Understanding warrants of execution
A warrant of execution against immovable property is usually the last resort. It is a long and complicated process.
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Defend yourself against a summons
You have the right to defend yourself if you get a summons. If you have a good reason or defence, you should get paralegal advice so that you can protect your rights.
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Understand your cellphone insurance policy
Make sure that when you get cellphone insurance, you know and understand the policy, you're aware of what they don't cover and what documents they will need if you need to claim. #StaySmart
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What to do after a car accident
If you are ever in a car accident, the following tips can help you figure out what to do. #StaySmart
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Why your life insurance claim was rejected
There are a number of reasons why your life insurance provider can reject a claim.
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RDP houses – don't get scammed!
You can't buy a brand-new RDP house or get 'bumped up' the waiting list by paying a fee. They are given to people who qualify for them as part of a government initiative.
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Paid more just for being a man!
After working hard to become senior management in her company, Dikeledi found out that a male colleague (her junior) was earning the same salary as her - for less work and experience. Dikeledi has a Master’s degree and has been working in the industry for more than 10 years. Her colleague only has a Bachelor’s degree and has been in the industry for less than 2 years.
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Landlord refuses to fix leak
Zenobi moved in to a flat she was renting, and shortly after discovered that the roof was leaking every time it rained. She called her landlord and told him about the problem, as she was worried the leaking water might damage her furniture eventually. The landlord promised to come fix it, but he never did. Zenobi tried calling him and scheduling meetings at his office, but he was avoiding her.
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Boss tried to fire him for taking leave!*
Thato works for a construction company. He is a hard worker – never late for work, always doing more than what is expected of him. So when he applied for leave to go to his mother’s funeral, he didn’t think it would be a problem. His 5 days of leave were approved and he thought everything was fine.
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Car shop tries to scam him!
Mr Botsime* took his Golf 6 GTi in for repairs at a reputable workshop. The manager
told him he would have to pay R14 000 for labour, as well as pay for the parts needed
to fix the car. Eish. What could he do, he needed to have his car fixed.
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Cheated out of her inheritance
Ntombi’s* father passed away in 1996. She lived in her father’s house with her father, her stepmother and the stepmother’s child. When her father died without a will, her stepmother kicked her out of the house. Later, when her stepmother fell ill, one of her grandchildren asked Ntombi to move back into the house and help look after her.
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What rights do our children have?
The Children's Act of 2005 was written to protect children and to provide guidance to parents, guardians, family members, teachers, and social workers. Although the act is mainly about children, it speaks to the whole public as we are all responsible to look after our children.
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Date added: 16 December 2017
Who's responsible for injuries at events?
Disclaimers are no longer enough to protect event organisers from liability should an attendee get injured at an event. According to the Safety at Sports and Recreational Events Act (SASREA), the safety and well-being of people attending an event lies with the event organisers.
The responsibilities of the event organisers include:
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Date added: 15 December 2017
Your labour rights protected!
The Labour Relations Act and the Basic Conditions of Employment Act protects your rights in the workplace. From unfair labour practice, to unfair dismissal or discrimination, your labour rights are protected!
Under these laws you have the right to:
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Date added: 15 December 2017
I'm not registered at the Department of Labour, now what?
It’s important that your employer registers you at the Department of Labour (DOL) for Unemployment Insurance Fund (UIF) and workers’ compensation. If your employer does not do this, it puts you at risk if you were to be dismissed. The Labour Law and the Basic Conditions of Employment Act (BCEA) was written to protect workers in the workplace and to ensure that they are protected against mistreatment and unfair behaviour towards them. If you have a labour issue, the DOL, Labour Court, The Commission for Conciliation, Mediation and Arbitration (CCMA), and other similar institutions can protect you and help you to fight for your rights.
Who can be registered as an employee?
If you work for, or deliver services to another person, regardless of the form of contract, you are considered an employee if one or more of the following applies according to Section 200A of the Labour Relations Act (LRA) and Section 83A of the BCEA:
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Date added: 29 May 2017
What to do if you have criminal charges against you.
The South African Criminal Law provides rules and procedures to regulate citizens’ behaviour. If you perform an illegal act, you will be punished for the law that you broke. The Criminal Law doesn’t only regulate citizens’ behaviour, it also protects your rights if you have criminal charges against you, or are guilty of a crime. These rights are explained in the Bill of Rights of the Constitution, as well as the Criminal Procedure Act. A criminal lawyer can protect you and make sure that the sentence fits the crime. If you are guilty of a crime, you will be charged, but with the right defence, the charge can be mitigated or adapted to fit the crime and your existing criminal record, if you have one.
Your rights
Here are some of the rights that you have even if you are guilty:
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Date added: 1 April 2017
Insurance basics
Insurance is a necessary and unavoidable fact of life. Instead of thinking of it as a grudge purchase, rather see it as investing in the future of your assets.
When taking out insurance, you need to make sure that you understand all the terms and conditions of the contract, and that you fulfil them. If you are going through the terms and conditions, make sure that you understand every point. If you are unsure, ask. It is the insurer’s responsibility to explain the terms and conditions to you in a way that you can understand.
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Date added: 10 November 2016
Don't tolerate professional negligence!
Professional negligence is when a professional person (such as a doctor, builder, architect, or financial advisor) neglects their duty of care. Duty of care refers to the professional person’s legal obligation to ensure the safety or wellbeing of others.
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Date added: 10 November 2016
Don't get cheated with your tax return!
Paying tax can seem like an unnecessary burden to many. Have you ever wondered why you need to give a percentage of your hard-earned money to the government? The answer is really simple: South Africa needs the contributions of its citizens to provide much-needed services such as transport, healthcare, education, welfare, and even our national security. Without the revenue generated by income tax, the government won’t be able to provide these services to the citizens of the republic.
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Date added: 10 November 2016
Don't get mistreated in the workplace!
If your employer isn’t treating you, as employee, right, rest assured that you have the Labour Law on your side! South Africa’s Labour Law has been formulated to ensure fair outcomes for both employees and employers. But how familiar are you with your rights as an employee? Let’s look at some of the common issues employees face regarding leave entitlement and unfair discrimination.
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Date added: 10 November 2016
Know your consumer rights
As a consumer in South Africa, your rights are protected by the South African Consumer Protection Act (CPA), No 68 of 2008. According to the CPA, you are given the following rights:
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Date added: 10 November 2016
Keep your personal info personal!
If you’ve been involved in a car accident, do not give out your home address to anyone. This protects you from possible intimidation. #StaySmart
Date added: 1 October 2016
Check your wipers!
Your claim may be rejected if you are involved in an accident and your insurance company finds out that your car wasn’t roadworthy. Even worn wipers can jeopardise your claim. Make sure your car is roadworthy at all times! #StaySmart
Date added: 1 October 2016
Keep your car roadworthy!
Your claim can be rejected if your insurer finds that your car isn’t roadworthy! Make sure your car is in a roadworthy condition at all times. #StaySmart
Date added: 1 October 2016
NO to harassment!
Don’t accept workplace harassment! If you’ve used all the internal company procedures available to you as an employee, lodge a complaint with the CCMA. #StaySmart
Date added: 1 September 2016
The Outstanding Amounts Scam
Scammers who pretend to be SARS officials, go from house to house demanding payment for “outstanding amounts”. Never give cash to anyone claiming to be from SARS! All moneys need to be paid directly into SARS’ bank account. Remember: SARS doesn’t usually send agents to individuals or businesses to collect outstanding money.
Date added: 1 August 2016
Don't fall for the SARS scam!
Don’t be fooled by people pretending to be SARS officials! They will try anything to get your personal information – SMSs, emails, calls, and even face-to-face visits. Never give out any information. #StaySmart
Date added: 1 August 2016
The Fake Gift Card Scam
Scammers are sending emails around containing links to fake gift cards in the hopes of stealing your personal information. Think before you click! If the offer sounds too good to be true, it probably is.
Date added: 1 July 2016
The RAF in short
The Road Accident Fund (RAF) is there to compensate road users that have been injured, or their families if the accident resulted in death. This fund has been established to benefit all South Africans who use our road, and should be respected and protected by all.
If you know of any fraudulent activity, you should report it. By not reporting fraudulent activity, the fund loses money that could have been given to people who have suffered legitimate loss.
As a Scorpion policyholder, we can assist you in claiming from the RAF if the need ever arise.
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Date added: 1 July 2016
The Fraudulent RAF Claims Scam
Can you believe that there are people who put in fraudulent claims to the RAF, essentially stealing money from those who actually need it? If you know of any suspicious RAF-related activity, you can call the toll-free tip-off line - 0800 005 919.
Date added: 1 July 2016
The RAF Claims Scam
Scammers pretending to be from the RAF are contacting members of the public, asking them for their information so they can deposit compensation into their accounts. Never give out any personal information unless you are absolutely sure you are dealing with legitimate officials. When in doubt, hang up and call the RAF directly.
Date added: 1 July 2016
The dangers of social media
Although social media has been around for quite some time, many people still don't realise the potential dangers that may lurk between the status updates and photo shares.
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Date added: 25 May 2016
The infected video scam
Many scammers out there are just trying to make others' lives miserable. Recently, scammers on Facebook tagged users in a video. When the user would click on the link, the video would start playing, but then stop to ask the viewer to install a fake Flash player. This link will then load malware onto your computer. The lesson here is, as always: CHECK before you CLICK!
Date added: 25 May 2016
All you need to know about retrenchments
It is possible that you, or someone you know, will face retrenchment sometime in your life. A retrenchment is a no-fault dismissal, in other words, it is not the worker’s fault that they are being dismissed. Retrenchments often occur when the employer makes operational changes such as downsizing.
When retrenched, you will be offered compensation. This is called severance pay, and is calculated at a minimum of one week’s salary for every completed year of work. In other words: if you’ve worked for one year and eight months, you will only receive one week’s worth of pay.
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Date added: 6 April 2016
Noisy Neighbour
You home is where you go to get away from the world. That is why the law ensures that you can get maximum enjoyment from your property – provided it doesn’t encroach on anyone else’s rights.
There are a various laws that deal with all the possible issues that can cause problems between neighbours. For instance – if a neighbour is making a lot of noise on a regular basis (Noise Nuisance), it is a different case than if he makes a racket once-off (Disturbing Noise). As they say, good fences make good neighbours, so be careful not to encroach onto your neighbour’s property. Similarly, if a branch from your neighbour’s tree hangs into your yard, and it is infringing on the use of your property, or causing damage to your property, you may ask him to cut it down first. If he unreasonably refuses to do so, you may cut off the offending branch of the tree yourself. Just make sure you don’t damage the tree in such a way that it can fall over or die.
Although there are many laws governing neighbours, it all comes down to being considerate of those who live around you.
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Date added: 31 March 2016
Barking dogs driving you mad?
The sensible thing to do is to chat to your neighbour, over a cup of tea, and explain that the dog is preventing your baby from sleeping (or whatever) and ask him or her to do the neighbourly thing. One solution (if the neighbour works all day and the dog is bored or afraid) is to fit a cold air spray bark collar. All vets sell these devices and they are not at all cruel. Perhaps the dog needs to see an animal behaviourist? He or she will see why the dog barks excessively (lack of exercise, lack of stimulation, separation anxiety, protecting territory, etc.) and recommend a solution.
If that does not help or if the neighbour is indifferent or defensive (and refuses to make the nuisance go away) you should report the matter to the authorities (the local authority and, perhaps the SPCA) and, that failing, contact your lawyer, who will have to send a threatening letter or even go to court for an interdict.
Disciplinary procedures vary from district to district. If you go the legal route, you will start a feud, so, wherever possible, try and settle matters amicably.
In the Cape, owners may not keep any dog that barks for more than six minutes in any hour or more than three minutes in any half hour. An official may order the owner to take necessary steps to stop the disturbance and owners are required to keep the dog under proper control. Gauteng hasn’t gone that far.
The SA Noise Control Regulations provide that no person shall:
- make, produce or cause a disturbing noise, or allow it to be made, produced or caused by any person, animal, machine, device or apparatus or any combination thereof;
- operate or play, or allow to be operated or played, a radio, television set, drums, musical instrument, sound amplifier, loudspeaker system or similar device producing, reproducing or amplifying sound so as to cause a noise nuisance;
- offer any article for sale by shouting, ringing a bell or making other sounds or by allowing shouting, the ringing of a bell or the making of other sounds in a manner which may cause a noise nuisance;
- allow an animal owned or controlled by him or her to cause a noise nuisance.
If a noise emanating from a building, premises, etc., is a disturbing noise or noise nuisance, the authorities may instruct in writing the person causing such noise to discontinue or cause to be discontinued such noise within a period stipulated in the instruction. Failing response (in the case of e.g. power tools, musical instruments or animal) the instrument, equipment or animal can be confiscated, or impounded.
Any person who contravenes or fails to comply with a written notice shall be guilty of an offence and liable on conviction to a fine not exceeding R20 000 or to imprisonment for a period not exceeding two years, or to both such fine and such imprisonment. In the case of confiscated items, the court may declare any vehicle, power tool, musical instrument or equipment, or animal forfeit to the local authority.
Written by Roy Bregman
www.roylaw.co.za
Date: 17 June 2014
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Date added: 30 March 2016
The false rental scam
There are scammers out there that "rent out" properties that are not theirs to let, or do not even exist! Never pay a deposit if you haven't seen the property in question, or are sure that the person is indeed the true landlord. If you are still unsure of his/her legitimacy, you can ask to see the utilities bill for the property.
Date added: 12 February 2016
Road Accidents
If you are ever involved in an accident, it is important that you get as much information as possible from all parties involved as well as witnesses. This includes:
- full names;
- ID numbers;
- addresses;
- telephone details; and
- vehicle registration numbers.
Also make sure to get:
- descriptions of the vehicles; and
- details of tow truck personnel.
If possible, take photographs of the following:
- the scene of the accident, from all angles;
- the surrounding area;
- your injuries; and
- any damage to property.
Draw a sketch plan of the scene and make sure that it contains a fixed point so that it can easily be traced.
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Date added: 18 January 2016
The tow truck scheme
Never allow anyone you do not know to call your insurance company on your behalf. There are some unethical towing companies that pretend to get approval from your insurer, potentially leaving you with a hefty bill for towing fees and storage!
Date added: 11 December 2015
The Ponzi scheme
If an investment opportunity offers very high return on investments, is never widely advertised, is not authorised by or registered with financial service providers, and you have to recruit other people to get return on your investment, it is most likely a Ponzi scheme. Stay away!
Date added: 11 November 2015
Be cautious of Investment Scams
- Be careful of people or places promising you big pay outs for low risk investments. This could be a sign it is a scam.
- Take time before committing to an investment. If you are asked to respond immediately to a “once in a lifetime offer”, then they could be pressurising you on purpose so you do not have time to find out it is a scam. STOP.
- Do not invest in something you do not understand and never sign contracts or documents you have not read carefully. Watch out for poor grammar and spelling this is a sign it is a scam.
- Research the company that is calling you. Get their contact details, physical address and try and visit them. A website is not necessarily proof that the company exists and is legitimate.
- Tell your children, friends, and neighbours, and ask their opinion on the investment you want to make. They might also be able to warn you if they know it is a scam.
- Keep your private information private. Do not say too much information about yourself or your life situation over the phone. Do not respond to emails, SMSs or phone calls requesting your personal information such as bank details and ID number.
- Do not respond to emails or SMSs telling you that you have won a lottery or that you’ve inherited millions, and NEVER click on a link asking you to verify account details.
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Date added: 6 November 2015
Unlawful deduction on your bank account
If money is being taken from your account, and you have not signed an agreement and consented to someone making those deductions, you should contact your bank immediately to stop the deductions. Scorpion policyholders can talk to us for assistance.
Date added: 14 October 2015
The UIF benefit scam
The UIF Benefit Scam: Beware of companies who claim that they can get unpaid money owed to you from the UIF. They will charge you a fee for their services, and simply disappear! Dealing with the UIF is always free, and if you need assistance, you can contact Scorpion.
Date added: 5 October 2015
Invest your money wisely
You work hard for your money – make sure that you invest it wisely! There are many people who claim that they can help make you lots of money in a very short time, but not everyone can be trusted.
Here are five warning signs of an investment scam:
- Promises of quick profits.
- Offers to share “inside” information.
- Salesmen who pressure you to invest before you’ve had the chance to investigate their claims.
- A salesman who discusses a company you’ve never heard of before. Before you invest, check whether or not the company in question is on the Financial Services Board’s fraudulent company alert list by visiting www.fsb.co.za
- The use of an alias. If someone wants to hide their true identity you need to question the legitimacy of their claims.
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Date added: 5 October 2015
SARS fake SMS alert!
If you get an SMS asking for your ID and tax number to avoid payment delays, DO NOT SEND IT! It's just another way scammers try to steal your personal information.
Date added: 9 August 2015
The Fake Audit
If you receive a letter from SARS claiming that you are being audited or if someone claiming to be an auditor visits you, do not give any information without first confirming their identity. Rather call the SARS contact centre on 0800 7277 to be sure.
Date added: 8 August 2015
Law surrounding Pregnancy
This month we are looking at the law surrounding pregnancy in the work place. When finding out that you are expecting a bundle of joy, the last thing you should worry about is how it will affect your work life. Luckily, the Basic Conditions of Employment Act provides for women to grow their families while retaining their jobs. As a female employee, you are entitled to at least four consecutive months of maternity leave. You may take your leave at any time from four weeks before the expected date of birth, or from the date advised by your medical practitioner or midwife to ensure the safety of you and your unborn child. You are not allowed to work for six weeks after giving birth unless your doctor or midwife certifies that you are fit to do so. Should you suffer a miscarriage in your third trimester, or if your child is stillborn, you are still entitled to six weeks’ leave following the birth. Keep an eye on the Scorpion Facebook page for more information on your rights during and after pregnancy!
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Date added: 7 August 2015
SARS Information SMS
SARS will never send you an e-mail or SMS asking you to provide personal, tax, banking and e-Filing information. Even if the e-mail or SMS looks official and says it is from SARS:
(1) Do not open or respond.
(2) Delete immediately.
Date added: 7 August 2015
Do you need to submit a tax return?
It’s nearly tax season again! If you earn less than R250 000 per year (or R20 833 per month) from one employer before tax, you don’t have any other income, and you don’t have to claim expenses such as medical aid or retirement annuities, you don’t need to file a return. If you don’t fall into this category, you need to register as a taxpayer and submit a tax return.
Submitting a tax return can seem very intimidating, but luckily Scorpion is there to help our members. We can submit your tax returns for you, as well as help ensure that you are billed correctly. If you have any trouble with your tax return, you can report the issue to Scorpion’s Tax Help Desk who will help you resolve it.
As always, be very careful when giving out your personal details to anyone. There are many tricksters who will do anything to get hold of your money. They love sending mails and SMSs stating that SARS has made a payment to your bank account. Do not click on the links in these communications! Rather type SARS’ verified address (www.sars.gov.za) straight into your browser or call them directly on 0800 00 7277 to find out if you have in fact been paid.
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Date added: June 2015
Contract basics
Legally speaking, a contract is an agreement between two or more parties. This agreement has to be entered into voluntarily. A contract lists all the obligations that each party expects the other to fulfil.
A contract can be entered into either through a written document or verbally. When you agree on something, even if nothing is written down, this is seen as a contract, and you can be held legally responsible to uphold your end of the bargain.
It is very important that you do not enter into a contract without knowing exactly what you are agreeing to. If you don’t understand something that is included in a contract, do not sign it. Rather ask a legal counsellor to explain it to you. As a policyholder, you may contact Scorpion to answer any questions you might have around contracts.
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Date added: 1 June 2015
How to claim from the RAF
The Road Accident Fund (RAF) is a government body set up to compensate people who have been injured due to negligent driving on the road, or the dependents of those people if they were killed. For instance, if you are crossing the road at a pedestrian crossing while the light is green for you and someone hits you with his or her car, you may put in a claim at the RAF. To claim, you will need the following:
- A completed RAF claim form (RAF 1).
- An affidavit with all the details of the accident, including the names of the people involved and time and date it happened.
- Statements of witnesses, if there were any.
- Police reports.
- Hospital and medical reports.
- Documents in support of amounts claimed.
The RAF will then determine if the claim is valid by looking at the seriousness of your injuries, the details of the accident, whether it was submitted on time, etc.
Making a false claim to the RAF is fraud, and can result in imprisonment. If you know of any suspicious RAF-related activities, you can call the Toll-free Tip-off Line: 0800 00 5919.
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Date added: May 2015
The Pyramid Scheme
Everybody wants to get rich – and quick! But be careful you don't fall for a pyramid scheme. If your income is dependent on how many people you recruit, and not on how much product you sell, it could be a pyramid scheme. Do your homework before putting any money on the table!
Date added: 13 April 2015
The 086 Scam
While looking for work, make sure you keep your eyes open for scammers! If a recruiter or potential employer asks you to fax your CV to a number starting with 086, be careful. Faxing something to one of these numbers will likely cost you a lot of money, and make the scammers rich in the process. Rather ask if you can email your documents. A legitimate employer will give you that option.
Date added: 6 April 2015
The Loan scam
If you ever get a call from an unknown source telling you that you've been pre-approved for a loan, hang up! This is just another way for tricksters to get their hands on your hard-earned cash. No reputable lender will approve you for a loan without first doing a full background check.
Date added: 5 April 2015
Children’s right to education
Did you know that children have special rights when it comes to access to education? According to The SA Schools Act 84 of 1996, learners in public schools have the following rights:
- No learner may be refused admission to a public school on the grounds that his or her parent(s) is unable to pay or has not paid the school fees.
- In addition, no learner may be deprived of his or her right to participate in all aspects of the programme of a public school, despite the non-payment of school fees by his or her parent and may not be victimised in any manner including, but not limited to, the following conduct:
(a) suspension from classes;
(b) verbal or non-verbal abuse;
(c) denial of access to cultural, sporting, social activities of the school or the nutritional program; and
(d) denial of a school report or transfer certificate.
If you can’t afford school fees, you can apply to the School Governing Body for exemption from paying school fees. There are also no-fee schools where learners can attend classes for free.
Private schools are different and don’t have to adhere to the above. However, it’s worthwhile keeping in mind that they cannot withhold reports or transfer certificates, but they are allowed to cancel the contract with the parents if the school fees are in arrears.
Educating yourself on the law can help you educate our future.
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Date added: 26 March 2015
The Pressure Purchase
Do not allow anyone to pressure you into buying something. Tricksters often use lies like "This is the last one left" or "There are other people who are interested" to force you to make a quick decision. If you aren't 100% sure of what you are buying or don't trust the person you are buying it from, rather walk away.
Date added: 4 March 2015
Know your rights
Do you know your rights when you are suspected of a crime?
Here are some quick tips to staying safe and on the right side of the law:
- After identifying him or herself, a police officer may ask you to show your ID document and to give your full name and address. If the police officer can’t produce proof of identification, you do not need to provide any information. However, if the officer has shown you his or her identification, you have to provide your details.
- You are not required to answer any other questions. You have a Constitutional right to remain silent.
- The police may ask you to go to the police station to make a statement. You may refuse to do so. However, they may then decide to arrest you.
- There are circumstances in which the police can make an arrest without first getting a warrant, for instance if a crime is committed in their presence or if the officer reasonably suspects someone of committing a crime.
- Should you be arrested, the police needs to inform you why they are taking you into custody.
- If you are arrested and asked to give a statement, you only have to provide your full name and address. Remember: everything you say in your statement can be used against you in court. The police may not put pressure on you to make a statement by assaulting or torturing you.
- If you are a Scorpion Legal Protection policyholder, you may choose to give your statement in the presence of your attorney.
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Date added: 26 February 2015
The Agency Scam
Scam Alert! Becoming a model or an actor is a dream many young people have. Unfortunately, there are many criminals that like to take advantage of people's hopes. If an agency charges you money to sign you, or to let you attend castings, it is probably a hoax. Make sure you research the company before investing any money.
Date added: 3 February 2015
Whatsapp update scam
Scam Alert! If you receive an SMS asking you to update your WhatsApp by clicking on a link, IGNORE and DELETE! This is a scam. The link will subscribe you to a service that will deduct money from your airtime balance on a daily basis.
Date added: 2 February 2015
The law surrounding defamation
Now that the festive season has come to an end, and a lot was said and done, Scorpion feels like it is the perfect time to discuss the law surrounding defamation, especially for those things we wish we shouldn’t have said.
Defamation is the wrongful and intentional act of damaging the good name or reputation of another which may affect their status. Defamation may occur through writing something, saying it or even making gestures in relation to another person which results in their good name being damaged. So basically if you say something bad about somebody else that will result in other people thinking less of that person, then you could have a defamation action against you.
However, proving that someone has defamed you can be difficult. Firstly it has to be published, this means if someone sends you a letter insulting you, and you’re the only one that reads it, then it is not injuring your reputation; but if someone wrote nasty things about you on Facebook or announced it in a room full of people then that can be defamatory. The test is; would a reasonable man in the shoes of the complainant have found the words damaging to his or her reputation or character.
Defamation cases are often very difficult to prove and can take a very long time for the case to be finalized. The payout for injuring another person’s reputation or good name is usually not a large amount. There are also defenses which a person may raise to prove that the words that have been said are not defamatory but the person was provoked into saying those words, that the words were the truth for the public benefit, that the words were a fair comment or were said under a privileged occasion. However if you are a Scorpion policyholder and someone accuses you of defaming them, then Scorpion will cover you.
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Date added: 21 January 2015
The ATM scam
Scam Alert: When using an ATM always be alert. There have been cases where the ATM swallows your card and a well-dressed person standing near will offer to assist by looking after the machine while you're getting help. The person will then take your card when you are away. If your card is swallowed by the machine look for a number to call on the machine for assistance, and if they cannot assist with getting back your card, immediately call your bank and cancel your card.
Date added: 1 January 2015
Retrenchment – Learn about your rights
Retrenchment can happen to anyone, anytime but as an employee you have rights. Your employer must follow correct legal procedure when it comes to retrenchments, and if they don’t, you can strike back.
Retrenchments are called no-fault dismissals; this is because it is not your fault as an employee, that you are being retrenched or dismissed. The reasons for being retrenched are usually economic, which means that the company you are working at can no longer afford to keep paying you. Sometimes the reasons are technological; this means that the company you are working for has a machine that can do your job, so there is no longer a need for you to work there.
It is always advisable to call Scorpion as soon as you hear that you are being retrenched, as employers often use ‘retrenchment’ as a way to fire you for another reason. This must be investigated to ensure it doesn’t happen.
Did you know?
There are two types of retrenchments, large-scale and small-scale. They both have their own procedures to be followed, so contact Scorpion for more information on the differences.
With both small- and large-scale retrenchments, your employer must invite you, or your union, or your work forum to consult in writing, and give you all the relevant information needed. During this consultation you or your union/work forum can:
- Give alternatives to being retrenched
- Talk about ways of minimizing the number of employees being retrenched
- Suggest a change in the timing of the retrenchment
- Propose a method of choosing who gets retrenched
- Agree on severance (you are entitled to at least one week’s pay for every year completed at your company)
Thereafter you or your union/work forum must come to an agreement with your employer on these elements. If no agreement is reached, the employer must use criteria that is fair and objective.
To learn more about this topic watch the video interview with Sharusha Moodley.
Note: This is a very basic outline; please contact Scorpion Legal Protection for more details on this topic.
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Date added: 5 February 2014
Money owed
If you lend money to a friend, a neighbor, or even someone from your church, you deserve to get it back. Let Scorpion Legal Protection help you with great legal and practical advice, so that you are not taken advantage of.
Lending money
Lending money to someone means you are giving them money that you want back. The best practical advice we can give, is that you should know and trust the person you are lending to, and never lend more than you are willing to lose. The best paralegal advice we can give is when you lend someone money, make sure that you have a signed written agreement.
This written agreement should include:
- The date you lent the money
- The amount you are lending
- The date the money must be paid back (or dates if you have agreed on being paid in instalments)
- Your name, your signature and the date you signed the agreement
- Confirmation by the borrower that they received the money
- The name of the person you are lending the money to, their signature and the date they signed the agreement
- The name of a reliable witness, their signature and the date they signed the agreement (the reliable witness must be present when the person you lent the money to signs the agreement)
If you make a verbal agreement make sure there is also a reliable witness present, although we strongly suggest you make a written agreement as well.
It is very important to note that you cannot charge interest when you lend money. Only a financial services provider, like a bank, can do this.
Remember: If the amount you lend is less than R12 000, and the person you gave it to does not pay, you can take them to the Small Claims Court. The Small Claims Court is free to the public. You are not allowed legal representation in the Small Claims Court but at Scorpion we advise you to consult with us first before referring to or approaching the Small Claims Court, to fully understand all your rights.
Remember: Don’t wait too late! If the person you lent money to you has not paid you back three years after the agreed pay-back date, the money may be forfeited. This means you may not be able to get it back!
Borrowing money
Borrowing means that you are asking someone else for money that you will give back to them at a later date. When you borrow money, remember to get all of the details of the agreement witnessed on paper.
Remember: Always borrow money from registered financial services providers like banks. Borrowing money from micro-lenders that are not registered (also known as loan sharks or Mashonisas) will put you in a very dangerous position. They usually charge very high interest rates and take your bank cards/ID/passport/furniture which is highly illegal and if you cannot pay, they may try to harm you, or your family.
Did you know?
- Before entering into an agreement, you should speak to someone you trust, like Scorpion Legal Protection, about whether borrowing or lending is a good idea.
- During the agreement, get everything you have agreed to written on paper, or witnessed by a person you trust, like a police officer.
- After the agreement has been entered into, make sure you keep all of the documents you have signed safe. If things go wrong, you will need them.
To learn more about this topic watch the video interview with Atish Dahya
Note: This is a very basic outline; please contact Scorpion Legal Protection for more details on this topic.
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Date added: 6 December 2013
What is dismissal and how does it work?
According to the Featured Lawyer, Sharusha Moodley, Dismissal refers to an employer ending an employee's contract of employment. This is commonly known as "getting fired" or "being let go".
There are several permissible grounds on which an employer can dismiss you. These grounds are divided into three categories:
- Misconduct
- Incapacity
- Operational Requirements
An employer may not dismiss you on grounds of your religion, when you are pregnant, take part in a legal strike or do what is known as whistle blowing. This is known as an Automatic Unfair Dismissal. For more information on Automatically Unfair Dismissals, please contact Scorpion Legal Protection.
Constructive Dismissal is when your employer makes your life unbearable at work and leaves you with no other choice than to resign. It is however important to remember that not all resignations are seen as Constructive Dismissals and that you must follow the correct procedure if you want to claim your resignation as a Constructive Dismissal.
To learn more about dismissal, watch the video interview with Sharusha Moodley and if you think you can claim Constructive Dismissal, make sure that you call Scorpion Legal Protection before you hand in your resignation!
Did you know?
- In the case of an unfair dismissal, the matter must be referred to the CCMA or the Bargaining Council within 30 days of the date of the dismissal.
- An employer cannot dismiss you for refusing to take a lie detector test.
- It is always advisable for an employee to try and sort out problems with the employer or union, before referring the matter to the Department of Labour, Bargaining Council, or CCMA.
Note: This is a very basic outline; please contact Scorpion Legal Protection for more details on this particular topic.
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Date added: 13 November 2013