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Within third responding affidavit, Mr Madzonga claims which he does not are obligated to pay VBS one monies which will resulted in informative insolvency regarding his house. Based on Mr Madzonga, he already simply owes VBS an amount of R8 151 , also desire. This amount contains costs per a mortgage and you will five car finance arrangements with VBS. On the , the brand new attorney having VBS, acting on Mr Rooplal’s instructions, treated a letter out of demand to Mr Madzonga in respect of that it obligations. Mr Madzonga provides approved bill of the letter out of request and you may doesn’t conflict his indebtedness. He’s got failed to create payment of one’s a fantastic equilibrium; this is indicative to the fact that they are struggling to pay off his costs.