Car Repossession Survival Guide — SA Edition

If you’re behind on your car instalment, getting calls, or you’ve received a Section 129 notice, this free guide shows you the exact steps to take — and the mistakes that cost people their vehicles.

  • Understand what really triggers repossession in South Africa

  • Know your rights: your car can’t be taken without a court order

  • Avoid “voluntary surrender” traps (Section 127)

  • What to do immediately if you’re behind (simple checklist)

What You’ll Learn (In Plain English)

Icon of person with tablet and lightbulb representing understanding car repossession in South Africa

Repossession doesn’t “just happen”. Learn the typical steps — from missed payments, to Section 129, to summons, to a warrant of delivery.

Scales of justice symbol representing South African consumer legal rights in vehicle repossession cases

Know the difference between legal repossession and intimidation. If it’s not a sheriff with the right documents, you have rights.

Icon of hand holding car key, representing Section 127 voluntary surrender of vehicle under the NCA

Understand what “handing the car back” really means, what happens at auction, and why a shortfall can still follow you.

Magnifying glass icon with question mark, representing urgent steps to take if behind on car payments

A calm, step-by-step checklist for the next 24–72 hours — including what to keep in writing and what not to sign under pressure.

Shield icon with steering wheel symbolizing protection through debt review

Why many people try payment arrangements first… and still end up facing repossession — and when legal protection may be the better route.

Frequently Asked Questions

Is this really free?
Yes

— it is 100% free with no hidden costs or expectations.

Can my car be taken immediately?
In SA, repossession is a legal process.

This guide explains the typical steps and what documents matter.

What if I already received legal letters?
Still download the guide

— it outlines what to do next and what to avoid.

Will you spam me?
No.

You’ll get the guide link, and we may follow up to see if you have any questions or we may send updates if any legal framework changes.

Collage of car repossession guide pages showing legal rights, action steps, Section 127 surrender, and free car rescue strategy checklist by Save My Car SA

Send Me the Guide

No spam. No judgement. Just practical help when you need it most.






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    A Quick Note From Casper

    Hi, I’m Casper le Grange — a registered Debt Counsellor (NCRDC 1560) and founder of DCGsa / Save My Car SA.
    I created this guide because I’ve sat with hundreds of South Africans who weren’t trying to “avoid responsibility”… they were trying to keep their job, get their kids to school, and live with dignity.

    This guide gives you the basics to help you respond correctly and quickly — before things escalate.

    If you want help applying what’s in the guide, you can also book a Free Car Rescue Strategy Session.

    Quick Check — Are You at Risk?

    ✅ Missed a vehicle payment?
    ✅ Received a Section 129 letter?
    ✅ Someone is calling to “collect” your car?

    If yes: Don’t wait. The earlier you act, the more options you usually have.