| (a) | a credit fee or charge prohibited by this Act; |
| (b) | an amount of a fee or charge exceeding the amount that may be charged consistent with this Act; |
| (c) | an interest charge under a credit agreement exceeding the amount that may be charged consistent with this Act; or |
| (d) | any fee, charge, commission, expense or other amount payable by the credit provider to any third party in respect of a credit agreement, except as contemplated in section 102 or elsewhere in this Act. |
| (2) | A credit provider must not charge a consumer a higher price for any goods or services than the price charged by that credit provider for the same or substantially similar goods or services in the ordinary course of business on the basis of a cash transaction. |
| (3) | A person who contravenes this section is guilty of an offence. |
[Subsection (3) inserted by section 29 of Act No. 19 of 2014]
