Advise your client B, on what action should be taken in the following circumstances:

(a) B is a defendant in an action in which a plaintiff is claiming repayment of a loan which was due and payable in 2012, the action was instituted in 2021. He has entered an appearance to defend.

(b) B is a defendant in an action relating to a motor collision. The plaintiff has claimed R90 000 as a result of damages to the motor vehicle. B considers himself to be 50% liable for the collision and he has R40 000 available. B has entered an appearance to defend and does not have a counterclaim as his vehicle was not damaged