What are my rights if telemarketers call me without my permission?

 

Telemarketers constantly inundate me with calls. Is this an offence?

The Protection of Personal Information Act (POPIA) doesn’t protect you from marketers who contact you telephonically unless you explicitly tell them to stop calling you.

Section 69 of POPIA deals with processing your personal information without your consent. You must consent to direct marketing using any form of electronic communication. The section mentions automatic calling machines (a machine that can do automated calls without human intervention), facsimile machines, SMSs, or e-mail.

“Electronic communication” is something transmitted over electronic communications networks, stored in the network or the recipient’s equipment (such as a text, a voice, a sound, or an image).

The section does not explicitly include phone marketing in its definition of unsolicited electronic communication. A telephone is not an electronic communications device.

So, telemarketers may call you and ask you to consent to the call and the sales pitch. If you object, they may not contact you again.

If you want to bother, you can request the name of the telemarketers and note their numbers. You can complain to their company or the Information Regulator of South Africa if they don’t stop calling you after you told them telephonically.

Should you object to further calls, any further processing of your information for this purpose is a breach of the provisions of Section 69.

 

Lent your moveable property to someone but can’t get it back?

 

 

By Dean Brainin

 

A client lent a trailer to a friend to use on a camping trip. The friend refuses to return it. What can the client do?

 

Our law defines “Lending” as granting to someone the use of something on the understanding that the borrower will return it. What happens when a person refuses to return the lent property or claims they are the owner of the property?

 

South African law provides a remedy allowing the owner to reclaim the loaned property from whoever is unlawfully in possession of the property. The legal relief is the Rei Vindicatio. The action is open to the owner regarding both moveable and immoveable property.

 

The client needs to prove three things to get his trailer back:

 

1.      He owns the trailer;

 

2.      It must exist and be identifiable; and

 

3.      When he sues for the return of the trailer, it must be in the physical control/possession of the borrower.

 

If the friend disputes that the client owns the trailer, he bears the onus to prove he owns it or has a right to it. The borrower may raise four defences:

 

1.      The person claiming ownership of the property is not, in fact, the owner;

 

2.      The person’s physical possession/control of the property in dispute is not unlawful (a limited real right or a personal right);

 

3.      The property in dispute no longer exists or is no longer identifiable; and

 

4.      The defendant did not have physical control of the property at the time when the Rei Vindicatio was instituted.

 

If a court finds that the lender of the property is the lawful owner of the property in question, however, the person alleging to be the owner of the property has already sold/disposed of the property, the court will order that the equivalent monetary value of the property be awarded to the lawful owner.

 

Electronic signatures and the sale of immovable property

 

The Electronic Communications and Transactions Act, 25 of 2002 (the 'Act") defines an electronic signature as data – “an electronic representation of information in any form", which is attached to, incorporated in, or logically associated with other data and which is intended by the user to serve as his signature in an electronic environment.

The Act and our case law allow agreements concluded by exchanging emails, WhatsApp and SMS.

Section 4(4) of the Act does not allow digital signatures for use, amongst others, in the execution of a will or in an offer to purchase immovable property, stating that "this Act must not be construed as giving validity to any transaction mentioned in Schedule 2". Schedule 2 lists various transactions that may not be concluded electronically, namely:

·         Agreements for the sale of immovable property.

·         Long-term leases of land exceeding 20 years.

·         A will.

·         Bills of exchange (one cannot have an electronic cheque).

Thus, a Deed of Alienation for the sale of immovable property still has to be physically signed in "wet ink" (where a signature is manually signed, using the liquid ink of a pen).

In Borcherds v Duxbury the court heard a dispute over whether or not a digitised photograph of the Seller's original "wet signature" and initials, imported into software known as DocuSign, actually validated the Seller's acceptance of an offer to purchase. The judge found that it did.

This judgment conflicts with the legal position set out in section 4(4) of the Act. Instead of giving clarity and guidance, the judgment introduces doubt and uncertainty on the validity of electronic signatures to sell immovable property.

Until the law changes, a Seller and Buyer should sign offers to purchase in wet ink to avoid any doubt.

Amending my will

 

A client has recently had a baby and asked me how she goes about changing her will. 

A will ensures that the person that winds up your estate distributes your assets to named beneficiaries after you pass, according to your wishes. 

If there are changed circumstances such as the birth of a child or the death of a beneficiary, you can write a new will or amend the existing will by supplementing your current will with a codicil. 

Codicil 

A codicil is a way to make minor changes to a will but is not appropriate for significant differences when a new will is better. Codicils must be signed by two witnesses, just like a will. 

Amend your will after a divorce. 

The Wills Act provides that if you die within three months of the divorce, a legacy to your divorced spouse will fall away as though the spouse had passed away before you executed the will. 

The Act gives you three months after your divorce to change your will by removing your ex-spouse as a beneficiary and appointing someone else in his place (in a new will or codicil). If you do not, he will inherit, despite the divorce.

 

Can I run a business from a residential property?

A client asked about the pros and cons of operating her business in a residential district. 

What does the law say about running a business from your home in a non-commercially zoned residential area? 

So many people now work from home because of the pandemic. If you are a day-trader, writer, or artist, the impact on the neighbourhood would be negligible. However, if the business is against the law (such as prostitution) or creates a noise nuisance (like an auto-body shop) the impact on the neighbours would be quite objectionable. 

You must check the conditions in your title deed. It may contain a clause like: “this erf shall be used for residential purposes only and no trade or business or industry whatsoever shall be conducted thereon”. 

If so, even If you are a writer working from home, this may be deemed to be a business that falls foul of that restrictive condition. However, it is highly unlikely that a neighbour would complain. 

On the other hand, the court heard an application for an interdict where a construction company opened an administrative office in a suburban area manned from 8 AM to 4:30 PM on weekdays by a staff of four (with the occasional visitor). The judge ruled that “the use or continuation to use the property for any business or trade other than for residential purposes constitutes an illegal act” and granted the interdict, even though the office caused no nuisance to anyone in the neighbourhood. 

To ensure that you can operate your business from a residential property, you must not only look at your title deed but also the zoning.  As a home business operator, you must ensure that the use of the property is in line with the zoning regulations applicable to your property. A Town Planner can advise you if your home-based business complies with your Local Authority’s Municipal Planning By-Laws. Should the property not be zoned for your type of business, the Tow Planner may apply for a rezoning. The process is very longwinded and expensive. 

Without your local authority’s approval for a rezoning of the property, you will not be able to lawfully conduct your business on the property. If you do, you may face a High Court application for an interdict and fines from the local authority.