The National Consumer Tribunal had been established in 2005 and had jurisdiction across all of South Africa. The NCT adjudicated on applications and allegations of prohibited conduct. The role of the NCT would also be expanded to deal with issues raised under the Consumer Protection Act, to be introduced in 2010. The Tribunal’s orders had the same effect as High Court orders and they were binding on all parties before the Tribunal. Non-adherence to orders was a criminal offence punishable by fines and/or imprisonment. The financial crisis had seen an increase in the number of consent orders in 2009, although this was still lower than expected. There was confusion over whether to approach the Tribunal or the magistrates’ court, over definitions in the National Credit Act and around the procedures of the Tribunal. It was also not clear which credit providers should be included in the tribunal process and what role the Payment Distribution Agencies should play.