AFFORDABILITY INFORMATION


NEW LEGAL REQUIREMENTS
In terms of the National Credit Act No 34 of 2005 (NCA) we are now obliged to obtain Proof of Income before we extend credit to you.
 

 HOW CAN I SUBMIT MY DOCUMENTS?

 1) Send images (photos) of your documents using
    WhatsApp to 082 905 4168 OR 

 2) Email your documents to mydocs@truworths.co.za OR

 3) Fax to 021 460 7140 OR

 4) Visit any Truworths store 



  • ALWAYS SUPPLY YOUR NAME, INITIALS AND IDENTITY NUMBER WITH ALL DOCUMENTS IN THE FORMAT “INITIALS, SURNAME, IDENTITY NUMBER”
     
  • All your original documentation will immediately be returned to you and will not be retained  

WHAT PROOF OF INCOME IS REQUIRED IN TERMS OF THE NCA?
You need to provide ONE of the following:

 
 
  Salary pay slips - Your weekly or monthly salary pay slips from your employer, for the last 3 pay periods.
    OR
  Bank statements - Your latest 3 months' bank statements from your bank or mini statements from an ATM machine.
    OR
  Bank statement request form (green form) - If you bank with ABSA, Standard Bank or Nedbank complete this form and we can assist you.
    OR
  Salary verification form (yellow form) - This form must be completed and signed and stamped by your employer.
    OR
  Non Salary verification form (blue form) - This form must be signed by an individual e.g. parent or spouse who is able to verify your income or allowance.
    OR
  Pension slip - Your latest 3 pension slips.
    OR
  Annual financial statement - Your latest annual financial statement for your business.
 
Please take these documents, together with your ID book, to any Truworths store, or email to mydocs@truworths.co.za, or fax to 021 460 7140 (and be sure to include your ID number on the documents)
 


Bank Statement



AFFORDABILITY FAQ

WHAT IS THE SIMPLEST WAY FOR YOU TO OBTAIN THE PROOF OF INCOME DOCUMENTS REQUIRED BY THE NCA?

If you do not have 3 latest salary pay slips, go to your nearest bank, log onto your internet banking or visit an ATM and print copies of your latest 3 months’ detailed statements/mini statements.

WHAT HAPPENS IF YOU DO HAVE REGULAR INCOME BUT YOU DO NOT EARN A SALARY AS AN EMPLOYEE?

You can request the Blue Non Salary Verification Form from any Truworths store or download it from truworths.co.za. Have this form completed by the individual who can verify your income.

WHAT HAPPENS IF YOU CAN NOT OBTAIN A PAYSLIP FROM YOUR EMPLOYER BUT YOU ARE AN EMPLOYEE?

You can request the Yellow Salary Verification Form from any Truworths store or download it from truworths.co.za and ask your employer to complete it.

REMEMBER to write your Identity number on the top of every page so that we can easily match your documents to your application. All communication thereafter will be sent via SMS to your phone.

*All information is treated with extreme confidentially and is stored in a safe and encrypted environment.

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