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5 3 Credit-marketing practices<br> One of the policy considerations that gave rise to the Act was to deal with consumer debt more effectively, inter alia by addressing unsolicited credit. A manner in which the legislator seeks to achieve this objective is to require, prohibit or curb certain credit marketing practices.128 These practices include<br> <br> (c) marketing and sales of credit at a consumer's home or workplace is also being restricted. There are exceptions for instance where the consumer pre-arranged the visit for that purpose