PROFESSIONAL SERVICES

PROFESSIONAL SERVICES

SERVICEDESCRIPTIONTERMS & CONDITIONS
Legal AssistanceProfessional, in-house, qualified legal advisors provide advice to the customer on any legal topic or matter ranging from debt and divorce to labour and domestic violence, 24/7.30 min face to face with a lawyer per incident will be covered

Unlimited telephonic legal advice
3rd Party Claims Assistance1) Core membership benefits include:

• Free claim assessment consultation for your member and his/her family members with an attorney for the following:

- Road Accident Fund claims;
- Medical negligence claims;
- Dog bite claims;
- Slip and fall claims;
- Train accident claims.

• Legal assistance (on a no win, no fee basis) for your member and his family members for the following:

- Road Accident Fund claims;
- Medical negligence claims;
- Dog bite claims;
- Slip and fall claims;
- Train accident claims;

2) Bonus membership benefits include:

• A donation of up to R5 000.00 to the member or his family once they instruct the CPC to appoint one of their panel of attorneys to assist with any of the claims referred to in paragraph 2 above;

• In addition to the payment referred to in paragraph 3 above, the member will receive a cell phone worth R400.00 (or a voucher of equal amount) plus R100.00 airtime;

• In the event of a serious injury as defined in the Road Accident Fund Act, payment of an additional amount of up to R50 000.00 to the member on successful finalization of his/her Road Accident fund claim;

• Legal assistance with the lodging of a Workmans Compensation Claim (work related injuries) in terms of the Compensation for Occupational Injuries and Diseases Act.
Identity TheftIdentity theft is if someone obtains the client’s identity number and other personal and financial information which allows them to make purchases or dispose of assets (such as a vehicle, property or business), to enter into financial commitments or binding contracts (such as a fraudulent cell phone contract). Some other examples are fraudulent loan accounts, vehicle/home loans or credit card accounts.
Unfortunately, there is no prevention of identity theft. The Identity Theft benefit, once activated, monitors and alerts the client whenever his/her credit record is accessed by an institution/company as this might be done without the client’s knowledge. To activate the Identity Theft benefit, the client needs to request a first Credit Report. A Credit Report is crucial to one’s financial reputation as this is what lenders use to decide whether to offer you a loan, it affects mortgage and vehicle finance rates, etc. It is also how many people first lean that they are a victim of fraudulent transactions. Once again, a Credit Report is not fool proof in identifying fraudulent transactions if someone steals from the client’s existing accounts by masquerading to be the account holder. It is imperative that one activates transaction notifications on one’s bank account/s.
The Identity Theft service does not prevent identity theft but can institute measures to alert the client of transactions and movements on his/her account and in the event that his/her identity has been used fraudulently, the relevant creditors, employers and law enforcement agencies can be contacted on his/her behalf to negotiate and to restore the client’s name and credit record.
Possible indications of Identity Theft:
• Debtors contact the client about accounts he/she never opened.
• The client’s credit report indicates accounts not opened or credit checks done by companies he/she hasn’t done business with.
• The client discovers that a tax return has already been filed using his/her ID number.
• The client receives a credit card he/she never applied for.
• The client’s medical aid rejects a limit-related claim when the client knows that he/she has not reached the benefit limit.
• Withdrawals from the client’s bank account or charges on his/her credit card for purchases he/she hasn’t made.
• The client is denied credit for a purchase, even though his/her credit record should support the application.
• The client receives an account for services or products he/she hasn’t made use of or purchased.
• An employer denies a job application on the back of a poor background check, even though you know your record is clean.
Unlimited telephonic advice
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