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2014 J. S. Afr. L. 879 (2014)
Who Guards the Guardians - Liability for Breach of Contract

handle is hein.journals/jsouafl2014 and id is 898 raw text is: WHO GUARDS THE GUARDIANS? 'n nuwe artikel 163(1A) ingevoeg wat bepaal dat die toepaslike minister vereistes en standaarde kan voorskryf vir die opleiding van werknemers en verteenwoordigers deur kredietgewers, skuldberaders en betalingsverspreidingsagente. Dit is nie 'n maklike taak om verteenwoordigers en werknemers op te lei nie, hetsy intern of tydens voorgeskrewe programme nie. Immers, praktisyns, geleerde regskrywers en ervare regsprekers verskil oor sekere aspekte van die toepassingsgebied van die Nasionale Kredietwet. Dit blyk uit talle geskrifte en uitsprake. Maar dit is nie 'n onbegonne taak om werknemers te leer watter kontrakte beslis nie binne die kader van die wet val nie en dat hulle katvoet moet loop vir sulke uitsluitings. 'n Ooglopende geval waarvoor hulle op die uitkyk moet wees, is groot kontrakte wat deur regspersone gesluit word. Wat seker is, is dat die laaste woord oor die aangeleenthede wat hier aan die orde gestel is, nog nie gespreek is nie en dat kredietgewers hulle kontrakte weer grondig sal moet hersien. In besonder sal hulle moet seker maak of hulle regtig wil h die Nasionale Kredietwet moet op die verbintenisse wat daaruit voortspruit van toepassing wees al dan nie indien die wet nie uit eie krag van toepassing is nie. My raaiskoot is dat hulle kontrakte wat verwysings na die Nasionale Kredietwet bevat wat nie nodig is nie gaan wysig deur sulke verwysings te skrap. Totdat dit gebeur, gaan daar nog talle bestaande kontrakte in omloop wees wat aan die twee uitsprake wat hierbo bespreek is, getoets sal moet word. JM OTTO Universiteit van Johannesburg WHO GUARDS THE GUARDIANS? LIABILITY FOR BREACH OF CONTRACT Loureiro v ilivula Quality Protection (Pty) Ltd (09/15228) [2011] ZAGPJHC 140 (30 Sept 2011) ilivula Quality Protection (Pty) Ltd v Loureiro 2013 3 SA 407 (SCA) Loureiro v ilivula Quality Protection (Pty) Ltd 2014 3 SA 394 (CC) 1 Introduction The matter of Loureiro v ilivula Quality Protection (Pty) Ltd (2014 3 SA 394 (CC)) dealt with the vexed question of liability where a security service provider had apparently failed to prevent a house invasion and robbery from taking place. It is one of those cases where the same facts apparently gave rise to claims for breach of contract and in delict. Firstly, the court had to decide whether a security service provider could be liable for breach of contract towards its client where a house invasion and robbery took place while the property was under protection of the security service provider. Secondly, the court also had to decide whether a security service provider could be liable in delict towards third parties who were caught up in the house invasion and robbery that took place while the property was under protection of the security service provider. While the action involved both claims TSAR 2014.4 [ISSN 0257 - 7747]

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