Regulation (Code of Banking Practice, PAIA and NCA) & BEE compliance

The Promotion of Access to Information Act (PAIA) 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 to exercise or protect any rights.

Diners Club SA (Pty) Limited is a private body as defined in the Act. Diners Club is bound by this Act and will process any request made in terms of the Act.

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 on ???to ask for access to their own information. (Please note that administration costs may be charged for the retrieval of certain types of information.)

Any Diners Club customer who wants access to information that belongs to another Diners Club customer must follow the request for access to information procedure as set out under the Request Procedure tab.

Request Procedure

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

• The requester must fill in the prescribed form
• The requester must deposit a request fee of R50 to ensure their request is processed. The account number is:
  
  Account: Diners Club S.A. Pty Ltd
  Account Number: 001299123
  Branch: Smal Street
  Branch Code: 001805

• The filled in 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 number: +27 11 358 8459
Fax number: +27 86 111 5105
E-mail address: info.officer@dinersclub.co.za

• On receipt of the request form and proof of deposit the Information Officer :
  • 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 the outhcome of the request;
  • Notify the requester about the access fee that is payable 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 receiving it. The Information Officer must inform the requester in writing of any extension of the time needed to deal with the request.

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 is  an outline of how the NCA may affect any existing agreements you entered into with us before 1 June 2007.

General

• Interest rates, fees and charges will not change, except in accordance with your original credit agreement. If 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 charged 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. If this information is incorrect, you may contact the credit bureaux to correct it.

Default

• if you do not meet your obligations in terms of the agreement, you will be considered to be in default. We will notify you of any default in writing and of our intention to sendyour information to the credit bureaux. The credit bureaux may in turn give your unfavourable credit information to other bureaux users.

• Once we have notified you of your default 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 if legal action is instituted against you, collection costs will also 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: 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, yrust, person (a company, trust, excluding close corporation or other business entity).