Financial Conduct Research

02/10/2026

FCR CONSUMER ALERT | A LOWER INSTALMENT MAY COST MORE OVER TIME

A consolidation loan can combine several debts into one monthly payment. A top-up can provide extra cash while replacing or changing an existing loan. Both may ease immediate pressure—but check the full cost before signing.

Ask for a written comparison showing:

• The settlement amount for each existing debt
• Any additional cash you will receive
• The new interest rate, fees and credit-life insurance cost
• The new repayment term and monthly instalment
• The total amount you will repay over the full term

A smaller monthly instalment may result from a longer repayment period. Check whether the old accounts will actually be settled, and keep proof of every settlement.

TransUnion’s Q2 2026 data show that new non-bank personal loans increased by 21.3% year on year. This is a market-wide figure; it does not tell us how many were consolidation loans or top-ups.

Before agreeing, ask yourself: “Will this reduce my overall debt burden, or only give me temporary breathing room?”

Financial Conduct Research (FCR)
Clarity. Accountability. Justice.
https://financialconduct.co.za

Source: TransUnion South Africa, Q2 2026 Industry Insights Report, published 29 September 2026:
https://www.transunion.co.za/iir/reports/q2-2026

Independent South African forensic financial investigation and consumer advocacy organisation specialising in financial misconduct investigations, credit agreement assessments, and regulatory compliance.

02/10/2026

NEED HELP WITH A FINANCIAL MATTER?

If something about your account, credit agreement, debt review, credit report or payments does not add up, Financial Conduct Research (FCR) can help you examine the facts.

Our services include:

• Forensic Financial Analysis • Credit Agreement Assessment • Debt Review Investigation • Vehicle Finance Account Assessment • Home Loan & Mortgage Assessment • Account Statement & Balance Reconciliation • Credit Report Analysis • Debit Order Investigation • Consumer Complaint Support • POPIA & PAIA Assistance

FCR provides independent, evidence-led assessment and consumer-protection support. We examine available records, identify discrepancies or matters requiring clarification, organise supporting evidence and assist with appropriate engagement where necessary.

Need assistance?

WhatsApp: +27 61 278 7009 Email: [email protected]

Financial Conduct Research (FCR) Clarity. Accountability. Justice.

01/10/2026

Struggling to Keep Up With Your Credit Payments?

Financial pressure can change quickly. A repayment arrangement that was affordable months ago may no longer reflect your current financial circumstances.

Ignoring the problem can make matters worse.

Financial Conduct Research (FCR) assists consumers to assess their financial position, examine account information and engage creditors regarding realistic repayment proposals and possible negotiated arrangements.

Our support may include:

💳 Creditor Engagement & Negotiation Support
Assistance communicating with creditors regarding repayment difficulties and proposed arrangements.

📊 Affordability & Financial Position Assessment
Reviewing income, expenditure and existing financial commitments to help formulate a realistic proposal.

📑 Repayment Proposal Preparation
Structuring professional, evidence-supported repayment proposals for consideration by creditors.

🔎 Account & Payment Analysis
Reviewing statements, balances, payments, arrears and account discrepancies before engagement.

🤝 Payment Arrangement Support
Assisting with correspondence and negotiations concerning possible revised repayment arrangements.

🛡️ Consumer Complaint Support
Where there are disputed balances, unexplained charges or conduct concerns, FCR can assist with structuring an evidence-based complaint.

Financial difficulty should not mean negotiating without the facts.

Let FCR help you understand the numbers, organise the evidence and approach the matter professionally.

📱 WhatsApp: 061 278 7009
📧 New Matters: [email protected]
🌐 Website: financialconduct.co.za

Financial Conduct Research (FCR)
Clarity. Accountability. Justice.
Protecting Your Rights. Restoring Your Power.

25/09/2026

🚨 INTEREST RATES HAVE RISEN — WHAT DOES THIS MEAN FOR YOUR FINANCES?

The South African Reserve Bank has increased the policy rate by 25 basis points to 7.25%, with the prime lending rate moving to 10.75%.

For consumers already managing home loans, vehicle finance, personal loans, credit cards or other variable-rate debt, even a relatively small rate increase can place additional pressure on monthly household finances.

But when financial pressure increases, understanding your accounts becomes even more important.

If you are struggling with repayments, under debt review, questioning your outstanding balance, concerned about payment allocations, or trying to engage a creditor about a more sustainable repayment arrangement, start with the financial records and establish the facts.

🔎 FCR can assist with:

• Debt Review Assessments
• Creditor Engagement & Repayment Proposal Support
• Credit Agreement Reviews
• Payment & Account Investigations
• Credit Report Analysis
• Consumer Complaint Support

Financial Conduct Research (FCR) provides independent, evidence-based analysis and consumer-focused support to help consumers better understand complex financial matters and determine appropriate next steps.

Don’t wait until financial pressure becomes a crisis. Understand your position. Know your options. Start with the facts.

📱 WhatsApp: 061 278 7009
📧 New Matters: [email protected]
🌐 financialconduct.co.za

FINANCIAL CONDUCT RESEARCH (FCR)
Clarity. Accountability. Justice.
Protecting Your Rights. Restoring Your Power.

19/09/2026

Financial pressure has changed. Your repayment plan may need to change too.

Falling behind on credit payments does not mean you should ignore the problem or wait until the situation becomes more serious.

Financial Conduct Research (FCR) assists consumers to understand their financial position, review account and payment information, and prepare realistic, evidence-supported repayment proposals for engagement with creditors.

Whether you're dealing with increasing arrears, unaffordable instalments, missed payments or an existing arrangement you can no longer maintain, the first step is understanding the numbers and the options available.
🔎 We assess the facts.
📊 We examine affordability.
📑 We help structure repayment proposals.
🤝 We support creditor engagement and negotiation.

Don't wait for financial pressure to become a financial crisis. Start the conversation early.
📱 WhatsApp: 061 278 7009
📧 New Matters: [email protected]
🌐 financialconduct.co.za

Financial Conduct Research (FCR)
Clarity. Accountability. Justice.

01/09/2026

SOMETHING DOESN'T ADD UP WITH YOUR FINANCIAL ACCOUNTS?

Unexplained balances?
Debt review concerns?
Payment distribution problems?
Credit agreement questions?
Disputed transactions?
Credit report concerns?
Don't guess. Start with the facts.
Financial Conduct Research (FCR) provides independent financial conduct research, forensic assessment and consumer-protection support to help consumers understand what the records actually show.
Before making assumptions about your account, let the documentation, payment history and evidence be examined.

Visit our website to learn how FCR can assist and submit your request for assistance:
Visit https://financialconduct.co.za

Financial Conduct Research (FCR)
Clarity. Accountability. Justice.
゚viralシ

Independent South African forensic financial investigation and consumer advocacy organisation specialising in financial misconduct investigations, credit agreement assessments, and regulatory compliance.

18/08/2026

🔎 SOMETHING DOESN’T ADD UP?

A payment you don't recognise.

A debit order you never expected.

A credit agreement that doesn't make sense.

A debt review account that isn't working as expected.

A complaint that keeps going nowhere.

Sometimes, the problem isn't that you don't understand your finances.

You may simply not have all the facts.

At Financial Conduct Research (FCR), we help consumers examine financial information, identify potential discrepancies, understand their position, and structure matters around evidence.

🛡️ Don't guess. Investigate.

We can assist with:

✅ Forensic Financial Analysis
✅ Debt Review Assessments
✅ Debit Order Investigations
✅ Credit Report Analysis
✅ Agreement Reviews
✅ Consumer Complaint Support
✅ Financial Conduct Investigations
✅ Consumer Rights Education

📩 New matter / client intake:
[email protected]

💬 WhatsApp: 061 278 7009

Clarity. Accountability. Justice.

FCR provides independent research, analysis and consumer-focused support. Where legal advice or representation is required, consumers should consult an appropriately qualified legal practitioner.

25/07/2026

The truth is often hidden in the details, and that's where our expertise makes the difference.

📢 Take Action Today
📱 WhatsApp: 061 278 7009
📧 Email: [email protected]
Request a consultation or forensic review today.

Financial Conduct Research (FCR)
Protecting consumers through research, analysis, and evidence-based insights.