The Office of the Credit Ombud resolves complaints from consumers and businesses that are negatively impacted by credit bureau information or when a consumer has a dispute with a credit provider. To achieve its objectives, the Credit Ombud must collect and use information, including personal information. The Promotion of Access to Information Act No.2 of 2000 (PAIA) gives effect to the right of access to information held by a private body that is required for the exercise or protection of any rights as set out in Section 32 of the Constitution, subject to justifiable limitations. The following manual contains descriptions of the structure, functions and services of the Credit Ombud and the availability of its records in accordance with PAIA.

Download document here