31. Absolutely absolutely absolutely absolutely Nothing in this Act will probably be interpreted to restrict any remedy or right that a debtor could have in legislation.
No waiver of substantive and procedural legal rights
32. (1) The substantive and procedural legal rights given under this Act use despite any contract or waiver towards the contrary.
Limitation on effectation of term needing arbitration
(2) Without restricting the generality of subsection (1), any term or acknowledgment in an understanding between a payday loan provider and a debtor that will require or gets the effectation of requiring that disputes arising out from the contract be submitted to arbitration is invalid in in terms of it stops a customer from working out the right that a borrower may need to make a software to your Tribunal under area 34 for an purchase requiring a payday loan provider to unlawfully refund an charged charge. […]