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Ministry of Commerce trade and Industry

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CCPC Cautions Public against Online Notification Prize Scam.

The Competition and Consumer Protection Commission (CCPC) would like to warn the general public to be cautious of a New Zealand Lotto Award scam which is circulating online requesting consumers to submit their personal information with intent to extort money from people’s accounts.

According to preliminary investigations conducted by the Commission, the scam indicates that the Acculotto Group Organization in collaboration with the National New Zealand Lottery had conducted a first promotional draw on 26th June,2020 in which eight (8) winners were selected for a lump sum of two million five hundred thousand Euro (€2,500,000.00), out of over two million five hundred thousand (2,500,000) email addresses collected worldwide from individuals and companies using a computer ballot system.

The Commission wishes to state that the notification in question is untrue and that there was no such draw conducted by the National New Zealand lottery contrary to what the scam purports.

Thus, the Commission is cautioning the general public not to offer or disclose their personal details such as age, sex, name, address, contact number, nationality, country of residence, National Registration Card (N.R.C), passport,occupation and bank account information.

Further, the public is urged to diligently ascertain the authenticity of any online notification before disclosing any of the aforementioned details as failure to do so may expose them to internet scams and fraudsters.

CCPC also wishes to warn all business enterprises who are perpetuating the dissemination of content aimed at misleading consumers to desist from engaging into such conduct as that is punishable under the Competition and Consumer Protection Act (CCPA) No.24 of 2010.

Namukolo Kasumpa

CCPC Guides Financial Services consumers on payment of loans

The Competition and Consumer Protection Commission (CCPC) wishes to advise consumers of their obiligations to ensure that loan payments are remitted to their respective financial institutions in line with their individual loan agreements.

The Commission has been receiving numerous complaints from members of the public arising from financial institutions penalizing account holders who default on loan payments despite the loans being deducted on their pay slips by employers.

It is important to note that loan agreements are between the individual consumer and the respective financial institution. Therefore, the responsibility sorely lies on the consumers to ensure that loan repayments are remitted to the financial institutions as per agreed terms and conditions.

It is in this regard, that the Commission is calling upon consumers to know their obligations and responsibilities by reading and understanding the information that is provided when engaging into a loan agreement. 

Further, the Commission wishes to reiterate its commitment to ensuring that all consumers are protected in all sectors of the economy. However, it is also imperative that consumers adhere to the terms of all contracts they engage in.

Finally, the Commission is advising affected consumers to engage their respective employers in order to resolve the matter amicably.

Namukolo Kasumpa

Beware of the Covid-19 Fund Scam


The Competition and Consumer Protection Commission (CCPC) would like to warn the general public and small businesses to be cautious of scams requesting them to submit their banking information for having qualified for government’s 50% Covid-19 intervention fund.

This follows complaints received by the Commission from the general public that some individuals are sending text messages requesting people to verify their bank account details as a prerequisite to having money credited in their account when in fact not.

The Commission has noted that fraudsters have taken advantage of the Covid-19 pandemic to extort money from unsuspecting individuals by using various electronic platforms with intent to divert money to their personal accounts. The public may wish to know that the Government will never request for personal banking details using an SMS or WhatsApp channel.

Further, the Commission urges the public not to offer or disclose their banking information like name, date of birth, phone number and card serial numbers to over SMS, WhatsApp or the unsecure Internet pages as doing so would put them at great risk of losing their hard earned money to fraudsters.

In view of the foregoing, the Commission is working with the Zambia Information and Communication Technologies Authority (ZICTA) and Zambia Police to ensure that perpetrators of such fraudulent conduct are identified and punished. Therefore, all such cases should be reported to a nearest police station or to the Commission on the toll-free line 5678 or the ZICTA toll free line 7070.

Members of the public may wish to know that this fraudulent conduct is prohibited under Section 308 of the Penal Code Chapter 87 of the Laws of Zambia and offenders are liable to imprisonment for 3 years.

Rainford Mutabi

Seeking Redress after Cancellation of Events Due to Covid-19


The Competition and Consumer Protection Commission (CCPC) helps consumers exercise their right to redress as provided for under Section 49 (7) (a) of the Competition and Consumer Protection Act (CCPA) No.24 of 2010.

In this light, the Commission takes cognizance of the fact that there are numerous events that have resulted in cancellation during the period of the Covid-19 pandemic.

Thus, the Commission wishes to remind the business community that consumers have the right to refund in circumstances when the cancellation is not due to no fault of their own.

The Commission is also alive to the fact that the pandemic and the measures put in place by the Government of the Republic of Zambia to address it, are not in the control of the Enterprises. Should an event be covered by terms and conditions that deal with instances of Force Majeure, those terms and conditions prevail.

The Commission would like to state that during the Covid-19 period, all business enterprises have an obligation to refund consumers when the service paid for has not been given.

However, we also advise consumers to give enterprises reasonable indulgent time within which to settle their refunds as these times are unprecedented and the effect is felt by all.

Enterprises are encouraged to be innovative in providing consumers alternatives to the services paid for, e.g. vouchers (with sufficient time within which a consumer can make a claim), postponement to mutually acceptable dates, etc. However, the consumer has the discretion to opt for a refund should the alternative not suffice.

In dealing with the question of whether a full refund should be available, several factors are to be considered, including when the event was scheduled to take place. These factors would determine the amount of costs incurred by the enterprise.

It must be emphasized that even in such situations, equity demands that the weaker party in any agreement should not be left out without adequate redress. Prudence should therefore be employed, accordingly.

Rainford Mutabi

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