We know you’re busy, but please read the Ts & Cs | IOL Business Report

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We know you’re busy, but please read the Ts & Cs busrep

CAPE TOWN – Hands up those of you who enjoy reading the dreaded terms and conditions . Nobody? Thought as much. But Rami Sassen, chief executive of Teljoy, believes consumers must familiarise themselves with this crucial document or potentially be stuck in a legal quagmire, especially when it comes to credit.

It is highly likely the same approach applies to other purchases including hire purchase agreements for furniture, taking out credit for that massive flat-screen television set, or even just understanding what is covered under a warranty. Many people often get into trouble because they do not bother to read and understand the Ts & Cs that govern the agreement and the product.

When it comes to credit, the Ts & Cs will provide information on the interest you must pay, your annual fees, a grace period when you can return a product, and so on. It can also highlight the steps to be taken if you fail to make a payment and the legal ramifications to you that could result in a negative credit score and even repossession.

 

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