xhosa.2532.debt
Indlela yokuphuma ematyaleni
Akakulandeli umphelo amatyala - kodwa iivenkile ezinika amatyala zikulandela nokuba sele liphelelwe ityala. Ungazikhusela
kubhale uPATRICIA McCRACKEN
KWIMINYAKA esibhozo edlulileyo uMeshack Sepeng waseAtteridgeville wayengenamali waza akalihlawula ityala lakhe lakwaTelkom. Kwiminyaka esibhozo emva koko batshintsh' ubomi bakhe - waza wazama ukulungis' izinto.
"Isazela sam sandixelela ukuba mandilihlawule eli tyala kuba izinto zindihambela kakuhle," itshilo le ndoda engumnxibelelanisi wabathengi.
Ingxaki ke yeyokuba alikapheli elo tyala. Usoloko efuman' iileta ezimoyikisayo ezivela ebantwini abaqokelela amatyala befuna imali yokuhlawula.
UManie van Schalkwyk oyiCredit Ombud uthi, "Sifuman' izikhalazo eziliqela zabathengi abathi batshutshiswa ngamatyala abawahlawulileyo ubomi babo bonke. Into embi ke yeyokuba bafakwa kuluhlu lwabantu abangawahlawuliyo amatyala izihlandlo eziliqela ngenxa yetyala elinye."
Unobangela wale ngxaki kukuthengwa nokuthengiswa kwamatyala lishishini lezezimali.
Ngaba ungene kuluhlu lwabangawahlawuliyo amatyala umphelo"
"Xa umthengi engalihlawuli ityala lakhe uthatyathwa njengomntu ongawahlawuliyo amatyala akhe aze afakwe kuluhlu lwabantu abangawahlawuliyo amatyala abo isithuba seminyaka emibini," kuchaza uvan Schalkwyk.
Kodwa kamva inkampani enika amatyala ingaqesha inkampani eqokelela amatyala ifune imali yayo kwabo bangazange bahlawule okanye ibuyisele loo mali ngokuthengisela abaqokeleli bamatyala amatyala ngemali ethotyiweyo. Inkampani eqokelela amatyala iwafaka kuluhlu lwabantu abangawahlawuliyo amatyala amagama abo bonke abantu eza kuqokelela kubo.
"Licebo lazo eli elingeyiyo inkqubo elandelwayo," utsho uVan Schalkwyk.
"Zikholelwa ekubeni ukwenza ngolu hlobo kukwenza kube lula ukuqokelela amatyala. Kaloku xa ufakwe kolu lulhu awukwazi ukuvula ityala kwakhona - kufuneka uqale ulihlawule ukuze ukhutshwe kolu luhlu."
Maxa wambi bakufaka kabini ngetyala elinye kolu luhlu - phantsi kwe"Default" ne"Collection" kumaziko oluhlu lwabantu abangawahlawuliyo amatyala. Xa kujongwa indlela owahlawula ngayo amatyala kubalwa amanqaku ehliswa kukuba uvela kabini ngetyala elinye ekungenzeka ukuba sele walihlawula!
UVan Schalkwyk uthi ayilunganga le nto: "AKUFUNEKI ukuba abathengi bafakwe kabini kuluhlu lwabantu abangawahlawuliyo amatyala ngetyala elinye."
Maxa wambi abathengi bayothuka xa befumanisa ukuba kufuneka bahlawule amatyala asele bawahlawula ukuze bakhutshwe kolu luhlu.
UVan Schalkwyk uyavelana nabathengi abancedayo abaziva ngathi bagwetywe isigwebo sobomi. Ufuna kubekho unxibelelwano - iinkampani ezinika amatyala mazizixelele ezi ziwaqokelelayo ngabantu asele befakiwe kolu luhlu - nabo bawathengayo la matyala mabajonge ukuba sele efakiwe na kolu luhlu.
Umthetho omtsha iNational Credit Act oza kuqalis' ukusebenza ngoJuni uyawugxininisa lo mba yaye ne-ofisi yeCredit Ombud isekelwe kuwo. Kodwa uVan Schalkwyk uthi kufuneka uwazi amalungelo akho ukuze ukwazi ukuzilwela ngempumelelo.
Ihlebo elikhulu lamatyala
Iinkampani ezinika neziqokelela amatyala azifuni wazi ukuba xa ungalihlawulanga ityala lakho iminyaka emithathu - xa ungahlawulanga nepeni yaye kungekho nxibelelwano ngalo nenkampani leyo oyityalayo - liyaphela elo tyala.
Abomthetho bathi "elo tyala liphelelwe." Loo nto ithetha ukuba awusayityali imali obufakelwe ukungayihlawuli kuluhlu lwabantu abangawahlawuliyo amatyala yaye awunakufakwa kwakhona. Ngelo xesha nokufakwa kwakho kuluhlu lwabangawahlawuliyo amatyala kuphelelwa lixesha.
Akulunganga ukwenza kanje kuba uhlala iminyaka emithathu yonke ungakwazi ukuvula amatyala. Kodwa xa ulandelwa ngetyala elidala nosele walihlawula ungazikhusela ngolu hlobo.
Uzikhusela kanje xa ubizelwe enkundleni kungenjalo uyagwetywa, kutsho uVan Schalkwyk. Ulumkele ukujikelwa ngumthetho.
Umantyi okanye ijaji ayiphawuli ngokuphelelwa kwetyala ngoko ke kufuneka uzithethelele ngayo.
Loo nto ithetha ukuba kufuneka ulazi eli hlebo sikuxelele lona apha ngasentla. Uwalumkele namaqhinga omthetho.
"Nangu umbuzo omnandi, 'Xa ungawina iLotto ungalihlawul' ityala lakho"' Abantu abaninzi bayavuma kuba befuna kube ngathi balungile okanye kuba befuna ukuhlala bengenamatyala.
"Xa usenjenjalo uyalivuma ityala lakho yaye uzimisele ukulihlawula."
Uyazibophelela ke ngokwenjenjalo.
Enye ingxaki efun' ukulungiswa emthethweni yeyokuba umthetho awuziyekisi iinkampani eziqokelela amatyala ukutshutshisa abantu ngamatyala asele ephelelwe, ulumkise ngelitshoyo uVan Schalkwyk. Ngoko ke lindela ukuba kwiminyaka engama-30 ezayo ungatshutshiselwa ityala elidala yaye kufuneke uzithethelele ngokuxelela inkundla ukuba eloo tyala laphelelwa kudala. [x]
Ukuphelelwa kwetyala
BONA XHOSA - May 2007
u
t
Walumkele amaqhinga omthetho
BONA XHOSA - May 2007
Zincede xa ukuluhlu lwabantu abangawahlawuliyo amatyala
IKHO indlela yokuzinceda xa sele ufakiwe kolu luhlu...
1. Cela ikopi yasimahla yengxelo yakho yamatyala kumaziko agcina olu luhlu ngenyanga ozalwa ngayo ukuze ujonge ityala lakho nobuqhetseba obungabe buyenziwa kuvulwa amatyala ngegama lakho.
Qhagamshelana neTransunion-ITC ku 0861-482-482;
www.transunion.co.za
okanye iExperian ku 0861-105-665;
www.experian.co.za.
2. Xa uyiphikisa le ngxelo, thethana neziko eligcina olu luhlu. Xa ungoneliseki ngesigqibo salo fuman' uncedo lwasimahla kwiCredit Ombud: 0861-OMBUDS (662-847);
www.creditombud.org.za
3. Tsalela iNational Credit Regulator Helpline ngeengcebiso zokuhlawula amatyala ukuze ukhawuleze uphume kuluhlu lwabangahlawuliyo:
0861-100-406; 011-554-2600;
www.ncr.org.za
