The National Financial Ombud Scheme SA (NFO) reports key findings on credit-provider practices, indicating a high success rate for consumers in complaints it upholds. According to the NFO, 62% of complaints brought against credit providers are upheld in favour of consumers. The findings are presented as a signal of recurring issues in how credit agreements are managed and how terms are communicated and applied. The coverage focuses on what the results mean for borrowers and the need to understand credit terms before entering agreements. It also frames the NFO’s findings within broader consumer-protection expectations in South Africa’s credit market, where disputes can arise over agreement conditions, fees, and related conduct. The article emphasizes that consumers should be aware of their rights and the remedies available through the ombud scheme if they believe a credit provider has acted improperly. While the reporting highlights the proportion of upheld complaints, it does not provide a detailed breakdown of the specific complaint categories in the available text.