Three major car brands back in court in South Africa

• The National Credit Regulator (NCR) is arguing that Volkswagen Financial Services, BMW Financial Services, and Mercedes-Benz Financial Services are unlawfully charging On-The-Road (OTR) fees.
• The dispute centers around whether OTR fees, which cover additional costs such as licensing and registration, should be treated as part of the principal debt or as an additional charge.
• The Constitutional Court will now decide whether the NCR's interpretation of the National Credit Act (NCA) is correct, with potential implications for how vehicle finance fees are handled in the future.