Showing posts with label home. Show all posts
Showing posts with label home. Show all posts

Sunday, 10 April 2016

Assistance with your home loan application


Exciting new benefit announcement!

All Legal Hero policyholders now enjoy assistance with their home loan/ bond application process. Contact 0861 22 99 22 (option 4) or e-mail bond@legalhero.co.za. We want to see you and your family thrive.

When it comes to property (movable and immovable), your Legal Hero benefits include purchase and sale agreements, advice on agreements before you sign, consumer protection, lease agreements, bond application assistance and discount on transfer and registration fees.

Keeping you informed: Have you heard of FLISP?

What is it? The Finance Linked Individual Subsidy Program (FLISP) was developed by the Department of Human Settlements and is a form of subsidy.

What does it do? FLISP helps successful applicants to purchase his/ her first property in a formal town by way of a once-off subsidy in the region of R10 000 - R87 000.

Do I qualify? If you are a first time home buyer, a South African citizen over 18 years, have never benefited from a Government Housing Subsidy Scheme (such as an RDP house, for example) and earn between R3 501 and R15 000 per month, you are eligible to apply. Your potential FLISP subsidy depends on your household's combined monthly income.

Contact details: NHFC 0860 011 011 or flisp@nhf.co.za. Visit www.nhfc.co.za for more information.


Tuesday, 12 January 2016

Responsibilities towards a domestic worker



A Sectoral Determination issued by the Department of Labour for 1 December 2015 - 30 November 2016:




Note: if you are not listed in Area A, you fall under Area B. 

Screenshot/ photo cred: www.labour.gov.za










Notes:

As a Legal Hero policyholder, we can assist with a tailored domestic worker contract, salary slips and advise as to which other documents should form part of your file. Contact us today.

Yours faithfully,

Legal Hero

www.legalhero.co.za
0861 22 99 22
join@legalhero.co.za/ legal@legalhero.co.za/ admin@legalhero.co.za


Wednesday, 15 April 2015

Five Unexpected Hangouts of the Law at Your Family Home



Remember to set the table for one extra (sometimes uninvited) guest that hangs out at your family home. Yes, it is important to have a basic understanding of the law, as it is with us wherever we go. Let’s have a look at a few Family, Civil, Criminal and Labour Law examples at home to put things into perspective.


1.       The irritating neighbours. Your neighbour has the right to the use and enjoyment of his/ her property. This, however, does not mean he can start a band and cause widespread upset by his 2am practise sessions. Neighbour law is based on reasonableness and tries to find a balance between opposing property rights. Your neighbour may therefore only use and enjoy his property to the extent that it does not infringe YOUR right to use and enjoy YOUR property. Remember that one cannot be oversensitive and all factors are taken into account when you apply for an interdict against your neighbour. An interdict can force someone to do something, prohibit someone from doing something or force someone to continue doing something.

2.       That new faulty washing machine. The Consumer Protection Act awards goods an implied warranty of 6 months. According to section 56 of the Act, a Consumer may ask for a repair/ replacement or refund at no cost to the consumer should a defect occur within the first 6 months. Where to complain: contact your hero or contact complaints@thencc.org.za.

3.       School fees. Previously schools could only sue the custodian parent (parent with whom the child stays) for arrear school fees. Only after the Supreme Court of Appeal ruling in Fish Hoek Primary School v GW 2010, can the other biological parent be held liable for arrear school fees. How to claim an increase in child maintenance: contact your hero or visit the Maintenance Division of the Magistrate’s Court and ask for the relevant forms. 

4.       Aging parents. It is true that an aging parent can claim maintenance from his/ her independent children. The parents would have to prove their expenses, that they are unable to support themselves and that the child is in a position to support his/her parent. How to claim: contact your hero or visit the Maintenance Division of the Magistrate’s Court and ask for the relevant forms.

5.       Domestic workers. A Domestic Worker MUST be provided with an employment contract and a pay slip. The employer must safe keep pay slips for THREE years. Impermissible deductions from your Domestic Worker’s pay include damages caused by ironing, meals provided during working time and crockery/ electrical appliances breakages. Noncompliance: the Department of Labour can send an Investigating Officer to your home and you may receive a fine. The matter could proceed to the Labour Court.

If you have any questions on one of the above, please send an email to freeadvice@legalhero.co.za.

Yours faithfully,


Legal Hero 

www.legalhero.co.za

Wednesday, 4 February 2015

Can I claim money from my fiance if he decides to break our engagement?




“I do believe that the time has arrived to recognise that engagements are outdated and do not recognise the mores of our time” (Van Jaarsveld v Bridges (344/09) [2010] ZASCA 76 para 3).

Breach of promise (to marry) could lead to two claims, depending on the circumstances:

a)      Contractual damages (wedding preparations, costs to move to a different town, renovations to the new home, etc.);

b)      Delictual damages (sentimental damages if he broke the engagement scornfully and in an insulting manner. It is not enough to feel hurt or abandoned, the test is objective).

When calculating contractual damages, the point is to place you as the ‘innocent’ party in the position you would’ve been in had you and your fiancĂ© not agree to get married. Remember to minus payments already contributed by him (towards the wedding preparations for example).

When calculating delictual damages, it is important to note that ‘the world has moved on and morals have changed’ (Van Jaarsveld v Bridges cited above para 6). In the Van Jaarsveld case the High Court awarded Bridges R110 000-00 as delictual damages due to the manner and circumstance in which he ended the engagement (via SMS). However, on appeal, the Supreme Court found that an SMS is a perfectly acceptable way in our modern society and that Van Jaarsveld was very apologetic and compassionate by also apologizing to her mother and saying he still views her as a ‘pragtige mens’ (lovely person). 

Wishing you a lovely day, 

Legal Hero. 

www.legalhero.co.za 

Thursday, 29 January 2015

Eviction



Question received:

“Good Day. About a year or so ago I rented a house from an agent when I moved the
agent said he'll just transfer my deposit to the other house that I
was about the rent from him. So I moved into the house the rent was
R4000 I paid him R5000 plus he had my deposit of R3800.
I moved in End of January which ment my contract would end the next
year end of January. In October that year I was in arrears for one
month which I paid in November and beginning of December, I told the
agent I am going to move end of January an he said no I must move end
of Feb. One day in Jan I went to my moms house when I got back at night there
was a big chain around the gate, they said I owed them R4000.00 I than
argued but end up paying it my furnitures was still in the house when
I went back to get my furniture the agent said it is safe. the next
day the agent called me and said the owners of the house sold all my
furniture which I still owed. I did go to court but never carried out the situation and now I am
ready and want to know what I should or can do or if its to late to do
anything now since its about a year ago”
Reply:
The good news is that it is not too late to take action and hold the lessor (person who rented the house to you) accountable for withholding your deposit, claiming additional rent from you and for selling your furniture without a court order!

According to the Prescription Act, your specific monetary claims and interest against the lessor only prescribe (expire/ become invalid should the lessor defend the case by pleading the defence of prescription) after THREE years.

We suggest that you contact the Rental Housing Tribunal in your area. The Rental Housing Tribunal is a free service and is in a position to arbitrate the dispute and make a binding order against the lessor. According to section 13 of the Rental Tribunal Act, 'a ruling by the Tribunal is deemed to be an order of the Magistrate's Court.' You furthermore do not need legal assistance or representation during the hearing at the Rental Housing Tribunal.

However, it is you who would have to prove your claim against the lessor by way of receipts/ bank statements, any correspondence between yourself and the lessor (lease agreement, emails, text messages, letters), affidavits, etc.

Assuming that you rented the house in the Western Cape, the following two forms should be completed and submitted to the Rental Housing Tribunal:

http://www.westerncape.gov.za/assets/departments/human-settlements/docs/rental-tribunal/hs-rentalhousingtribunal-fa-failure-to-refund-deposit.pdf

http://www.westerncape.gov.za/assets/departments/human-settlements/docs/rental-tribunal/hs-rentalhousingtribunal-fk-unlawful-seizure-of-possessions.pdf

Please note that as of April 2011, in terms of Consumer Protection Act, a lessor is obliged to place a deposit in an interest-bearing account. This means that once the lease period ends, the lessor is to pay over the deposit PLUS interest that accumulated during the lease period (minus the cost of damages you caused to the property/ any arrear monies).

Should you not be situated in the Western Cape, simply Google search 'Rental Housing Tribunal South Africa' in order to locate the tribunal closest to you and its applicable complaint forms.
It was furthermore unlawful of the lessor to chain your gate. In terms of section 26 (3) of the Constitution of the Republic of South Africa, 1996, a lessor is not allowed to evict/ lock you out without first obtaining 'n court order.

For a lawful eviction, a lessor has to apply to court in terms of section 4 of the Prevention of Illegal Eviction Act (PIE). Before you can evict someone in terms of PIE, that person needs to be an unlawful occupier. This means that the person residing on the property is doing so unlawfully (without consent/ a lease agreement/ the lease period has come to an end). This is a lengthy and costly experience:

Step 1: The owner sends the occupant a written notice asking him/her to vacate the premises within a reasonable time (a minimum of 30 days);
Step 2: Should the occupants not vacate the premises within that time period, step two would be to notify the occupant in writing that the owner intends to apply for an eviction order. This notice must be served 14 days prior to the court date;
Step 3: Once in court, section 4(6) and (7) of PIE set out the factors taken into account by the presiding officer before deciding whether or not to grant the eviction order:


             “(6)       If an unlawful occupier has occupied the land in question for less than six months at the time when the proceedings are initiated, a court may grant an order for eviction if it is of the opinion that it is just and equitable to do so, after considering all the relevant circumstances, including the rights and needs of the elderly, children, disabled persons and households headed by women.

             (7)              If an unlawful occupier has occupied the land in question for more than six months at the time when the proceedings are initiated, a court may grant an order for eviction if it is of the opinion that it is just and equitable to do so, after considering all the relevant circumstances, including, except where the land is sold in a sale of execution pursuant to a mortgage, whether land has been made available or can reasonably be made available by a municipality or other organ of state or another land owner for the relocation of the unlawful occupier, and including the rights and needs of the elderly, children, disabled persons and households headed by women.”


For future reference, please note that the Rental Housing Tribunal can furthermore provide IMMEDIATE assistance should a landlord change the building's locks without giving you the new keys:

http://www.westerncape.gov.za/assets/departments/human-settlements/docs/rental-tribunal/hs-rentalhousingtribunal-fh-unlawful-eviction-or-unlawful-lockout.pdf

As for selling your furniture, please note that the lessor does have something called a landlord’s hypothec in his/her favour meaning that your furniture and other movable property may be sold to cover your arrear rent.  However, this hypothec may not be enforced without first giving you written notice of the arrear rent and allowing time for repayment before applying to court to enforce this right. Next the sheriff will get involved and only auction the movable property to the value of the arrear rent after advertising same.


We hope this helps and we wish you a fantastic 2015.

Legal Hero

Wednesday, 26 November 2014

Question received via freeadvice@legalhero.co.za - Illegal Eviction

Please note that readers may direct questions to freeadvice@legalhero.co.za. In our sole discretion, four questions will be answered each month via Facebook update - the reader’s identity will be protected. It is our way of giving back and saying thank you for your loyal support.
  
Our first question really shocked us. We hope that this answer sheds some light on how to deal with some of the issues lessees (persons who rent apartments/ houses) unfortunately face on a daily basis.

Question and photo received:




“My 'landlord' never told the owner of the house that im renting the granny flat next to the house and she showed up and thew all my stuff out on street. Yes it's illegal I know, but the police cant do anything and the tribunal council wants me to come see them in town whilst evetything is lying outside. Anyone have a solution? No I didnt receive notice or any documentation regarding the illegal surprize eviction. Anyone want to help please?”

Reply:

Section 26(3) of our Constitution: “No one may be evicted from their home, or have their home demolished, without an order of court made after considering all the relevant circumstances. No legislation may permit arbitrary evictions.”
The disgraceful act of the owner was therefore illegal, as correctly pointed out by Ms X. One understands Ms X’s frustration, as the Rental and Housing Tribunal (RHT)’s mediation of the dispute could take a while to resolve (often up to three months) and the question is… what happens to Ms X and her personal belongings in the meantime?! 

Luckily the RHT is in a position to grant Ms X an interdict. An interdict orders someone to act in a certain way (either to do something or not to do something). In this case it will order the owner NOT to evict Ms X and not to throw out her personal belongings. This interdict will be valid for three months pending the outcome of the mediation session and the good news is that Ms X will be able to apply for an extension of this interdict after the expiry of the three months (should the matter remain unresolved). Once the interdict is granted, the Police WILL be in a position to assist should the owner of the property disregard the terms of the interdict.

As for Ms X’s personal belongings, we advise that Ms X tries to safely store her personal belongings with a friend or a facility – at the owner’s expense of course! Should any of her personal belongings be harmed or go missing during the time it was outside, and Ms X can prove same, Ms X also has a claim for damages against the owner of the property.

In Afrikaans there is a maxim ‘‘huur gaat voor koop’ which means that lessees may complete the term of their lease agreement regardless of a new owner/ lessor.

Note that the RHT is a free service available to all lessees and you can locate the provincial office closest to you by contacting 011 355 4000. You may notify the RHT of a dispute you have with your lessor/ landlord by completing and submitting a RHT complaint form. A file will then be opened and a case number assigned. Both parties (the lessee and lessor/ landlord) will receive the date, time and place of the mediation session that follows.

We wish you all the best and hope that you found this article useful. 

Kind Regards,

Legal Hero.