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please help me with my research about covid 19 effect to the current credit legal regime. The COVID-19 pandemic has brought untold suffering on South

please help me with my research about covid 19 effect to the current credit legal regime.
"The COVID-19 pandemic has brought untold suffering on South Africans. Many credit providers have allowed for loan repayment holidays and others are giving loans with first 3months interest free." Discuss any changes to the current credit legal regime you would want to see in order to adapt to the changing times. Your

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