If the court finds that the consumer is over-indebted, it may make a decision (1) Are the three amounts set out in the AoD credit agreements within the meaning of the NCA; Unsecured monetary credits are generally smaller monetary credits (microcredits) repayable in tranches, with no guarantee for the lender for debt repayment. Microcredit, a category of the NCR, is generally aimed at solvent providers who can borrow a maximum of R8,000 for a maximum period of six months. “Where a credit agreement is unlawful within the meaning of this Section, a court, notwithstanding a provision of the common law, other legislation or a contrary provision of an agreement, shall order that (b) the creditor shall reimburse the consumer for the money that the consumer has paid to the creditor under this agreement. with calculated interest – “short-term credit operations”, contracts up to R8,000 repayable within six months; These are usually microcredits. [32] The credit agreement, AoD, must therefore be declared illegal. However, the applicant would not remain without recourse, as he retains his right to claim a refund due to unjustified enrichment. . . .