Regulation (Code of banking Practice, PAIA and NCA) & BEE Compliance

The Promotion of Access to Information Act

The Promotion of Access to Information Act was passed to give effect to the constitutional right of access to information that is held by a private or public body and that is required for the exercise or protection of any rights.

Diners Club S.A. (Pty) Limited is a private body as defined in the Act. Diners Club is bound by this Act and shall process any request made in terms thereof.

Please click on the links to view:

• The Diners Club PAIA Information Manual
• Request Form

Diners Club customers

All Diners Club customers are allowed access to their own information without having to use the request for access to information procedure as set out in the Promotion of Access to Information Act, including, but not limited to:

• Statements
• Account information
• Personal records
• Voice recordings

All Diners Club customers should contact the Diners Club Member Service Centre to request access to their own information. (Please note that there may be administration costs associated with the retrieval of certain types of information.)

Any Diners Club customer who wishes to be given access to information that belongs to another customer of Diners Club must follow the request for access to information procedure as set out in the tab titled Request Procedure.

Request Procedure

The following procedure is applicable to requests for access to information in terms of The Promotion of Access to Information Act:

• the requester must complete the prescribed form
• the requester must deposit a request fee of R50 to ensure that processing takes place. The account number is:
  
  Account: Diners Club S.A. Pty Ltd
  Account Number: 001299123
  Branch: Smal Street
  Branch Code: 001805
• the completed request form and proof of deposit must be sent to the Diners Club Information Officer at the following address:
  
  The Information Officer
  
  Postal Address: Diners Club
  Private Bag X67
  Auckland Park
  2006
  
  Physical Address: Diners Club
  35 Symons Road
  Auckland Park
  2006
  
  Telephone: +27 11 358 8459
  Fax: +27 86 111 5105
  E-mail: info.officer@dinersclub.co.za
• Upon receipt of the request form and proof of deposit the Information Officer shall:
  • Assess the request form to ensure completeness;
  • Confirm payment of the request fee;
  • Process the request;
  • Notify a third party where applicable;
  • Decide whether to grant or deny the request;
  • Let the requester know of the decision;
  • Notify the requester about the payable access fee if the request is granted; and
  • Repay the R50 request fee to the requester if the request is refused.

The Information Officer must process a request within 30 days of receipt thereof. The Information Officer shall inform the requester in writing of any extension of the period to deal with a request.

Diners Club and the National Credit Act (Act 34 of 2005)NCA

The National Credit Act (NCA) came into effect on 1 June 2007. The purpose of the Act, among other things, is to:

• protect you from borrowing more than you can afford or from becoming over-indebted
• prevent credit providers from lending recklessly
• ensure that you understand your rights and obligations when you enter into credit agreements

Below please find an outline of how the NCA may affect your existing agreement with us entered into before 1 June 2007.

General

• Interest rates, fees and charges will not change, except in accordance with your original credit agreement. In the event that these do change, we will notify you.
• You may pay any amount owed to us in advance or settle your outstanding balance at any time. An early termination fee may be levied if such fee is provided for in the original agreement and permitted in terms of the NCA.
• You may contact the Credit Bureaux and have your credit record disclosed to you free of charge once a year. Should this information be incorrect, you may contact the Credit Bureaux to correct it.

Default

• Should you fail to meet your obligations in terms of the agreement, you will be considered to be in default. We will notify you of default in writing and of our intention to submit your information to the Credit Bureaux. The Credit Bureaux may in turn provide your unfavourable credit information to other bureaux users.

• Once we have notified you of your default you have the following options available to you:
  • You may make arrangements with us to bring your payment up to date.
  • You may consult an independent debt counsellor, or
  • You may contact an alternative dispute resolution agent, consumer court or ombudsman for banking services to resolve any dispute.
• You will become liable for default administration costs and in the event of legal action being instituted against you, collection costs will be charged to you as well.
• We may also suspend your limit without notice to you or withdraw all or part of your limit on notice to you.

Please note: that the terms and conditions of your existing agreement with us remain unchanged. This information does not apply to you if you are a Juristic Natural Trust Person (a company, trust, excluding close corporation or other business entity).