In the case of pawnshops, the loan is paid and the borrower provides collateral assets with a resale value greater than the credit. The creditor has the right to sell the property if the money is not repaid on an agreed date and to retain the proceeds of the sale. There is a good reason why small businesses should be protected as consumers. But clarity is needed and the conditions for competition between credit providers should be balanced. There is therefore a clear and urgent need to resolve this ambiguity in the interests of all stakeholders. 6.2.4 A clause expressing, on behalf of the consumer, the granting of a mandate to the lender on all matters related to the granting of credit; Many consumer rights are included in the law, but very few fees for credit providers. (Credit providers, on the other hand, have many obligations.) The law is biased towards consumers because it seeks to eliminate the imbalances inherent in our common law. This is not unusual for such legislation. 4.1.2 Overall liabilities to the lender under all outstanding credit contracts, with contracts other than ancillary contracts, exceed the statutory threshold of no less than R500,000.00 (five hundred thousand rand). The standard loan and delivery contract for customers in the fishing industry is, in all likelihood, considered an agreement within the meaning of item, so that the law applies to these agreements, unless they are entered into with a legal entity with an annual turnover of more than one million rand. The effects are discussed below. A number of other agreements are not considered by law as credit contracts, including (a) calculi exception errors allowing the debtor to rectify the amount owed when the agreement reveals a means of arriving at the price; Credit contracts can only be amended in specific circumstances, such as reducing or increasing credit limits. An agreement, in whatever form, constitutes a credit transaction when it is: under tempered contracts, loose goods (such as furniture, clothing or a car) are sold, the price is paid in increments and the item is delivered to the consumer.