Answer to a question from a reader How do I challenge a default judgment against me by my bank on the grounds of reckless lending? The short answer You should notify the bank that you intend to defend yourself on the grounds of reckless lending. The whole question Matter 1: If a creditor (First National Bank) obtained a default judgment against me for an amount of R18,000 and the "in duplum" maximum amount (R36,000) has now been reached, when I make an arrangement to settle the amount on a monthly basis, will I still incur further interest or will the debt be forever capped at R36,000 regardless of me making arrangements to pay it on a monthly basis as opposed to a single payment in full settlement.