I had the privilege of working with different community members and municipal employees of which all the session's attendance was satisfactory and the level of engagement with the participants was fruitful. One outstanding story came from Mr Mokoni who shared his experience with how the NCA and NCR are not protecting the rights and privacy of the consumers instead allow credit providers to use consumers credit profiles to their benefit and provide them with credit without proper affordability checks. When repayments are not made their actions becomes unbearable by unfair blacklisting , judgement and even repossession with considering their financial conditions beforehand.