xhosa.2661.yourlifeguide_legal
HAYI!
WAZI AMALUNGELO AKHO
Kule nyanga: omawukwenze xa unyanzeliswa ukuba ubhatale ityala lomnye umntu (wazi nokuba kubaluleke ngantoni ukufunda phambi kokutyikitya)
NCEDA! NDISENGXAKINI ENKULU YEMALI
Umhlobo wam wayefuna ukuthenga imoto. Kwathi kuba enegama elibi kwiincwadi zamatyala kwafuneka kubekho umntu oza kwabelana naye ngoxanduva lokuhlawulwa ityala. Wandibonisa iimpepha ezithile zenkampani ebolekisa ngemali wandicela ukuba ndizityikitye. Loo maphepha ayemaninzi kwaye ebhalwe kancinci. Ndadlulisa nje amehlo andawafundisisa phambi kokuwatyikitya.
Emva kwexesha elingephi, umhlobo wam waphelelwa ngumsebenzi yathinjwa imoto.
Ngoku le nkampani indithumelele ileta ethi mna ndavuma ukuba "sisibambiso" setyala lomhlobo wam ngoko ndim omel' ukulihlawula. Oku kuthetha ukuba mna ndiza kuhlawulela imoto engazukuba yeyam nengekhoyo nakumhlobo wam lowo.
Le nkampani ibolekisa ngemali ithi ingazamkela nezavenge ze-R1 900 ngenyanga - kunye nenzalo-mali yetyala elo. Kodwa andizukuba nayo le mali nokuba kunjalo! Ndicela undincede!
IINGCEBISO ZESCORPION
Iimpepha ozityikityileyo kuthiwa "yideed of suretyship". Uthe wakuzityikitya waba "sisibambiso" setyala lomhlobo wakho kwinkampani leyo emboleke imali, umhlobo wakho yena abe "nguyena mnini-tyala".
Le yenye yeendlela iinkampani ezibolekisa ngemali ezizikhusela ngayo xa zibolekisa ngemali.
Ukuba umntu abamboleke imali (umhlobo wakho) akasakwazi ukulihlawula ityala, umntu ovumileyo ukuba uza kuba sisibambiso setyala umele alibhatale - ngelishwa kweli ityeli nguwe lowo.
Sicebisa ukuba wenze ezi zinto zilandelayo:
1 QINISEKA NGEMALI OZA KUYIBHATALA
Cela amaphepha aza kukunika inkcukacha zonke malunga nendlela elibalwe ngayo ityala, abonisa imali oza kuyibhatala sele iyonke. (Lilungelo lakho ngokwasemthethweni.)
2 THETHA NABO
Bachazele ingxaki yakho ubacele ukuba bayehlise imali abayifuna ngenyanga - babize oza kubanako ukuyibhatala. Inkampani inako ukukunceda.
3 ENYE INDLELA
Ukuba iyala ukukunceda inkampani, ungalucela uncedo lomcebisi ngamatyala (debt counsellor) osemthwethweni oza kuphanda ngemeko yakho ngokwasemalini aze athethane nabo ngomawukuhlawule. Ukuba awumfumani umcebisi ngamatyala, nceda utsalele umnxeba i-ofisi yeScorpion Legal Protection ekufutshane kuwe ikuncede. [x]
AMANDL' OMTHETHO
Imel' ukuba sele uzifundele kwezakho ukuba sithini kanye, elona cebo singakunika lona kukuba uthi "HAYI!" kumntu ofuna ukuba "nabelane" ngokuhlawula ityala! Usengozini enkulu yokuzibona sele usengxakini- asithethi ke ngokungenzeka kubuhlobo benu.
LUMKA!
Lumkela ukutyikitya isivumelwano esikwenza ukuba ubesisibambiso nomnini tyala wesibini.
Ungazibona ujongene nemeko enzima ukuba izinto zingangahambi kakuhle.
Umzekelo, ukuba usisibambiso, ulindeleke ukuba ulihlawule ityala kuphela xa umntu obolekwe imali engenakho. Kanti xa usisibambiso esikwangumnini wetyala wesibini usenokulithwala uxanduva lokuhlawula elo tyala ngoko nangoko - oku ngathi nguwe oboleke imali!
KWAKHONA: Njengaso nasiphi na isivumelwano, qiniseka ukuba onke amaphepha aphelele phambi kokuwatyikitya. Makungabikho ndawo zishiyelelweyo, ingakumbi imali ekufuneka ibhatalwe!
Thumela ingxaki yakho yomthetho ku -BONA Legal Advice, Box 32083, Mobeni, 4060 - uya kufumana ithuba lokuxoxa negqwetha imizuzu engama- 30 ngaphandle kokuhlawula, kwi-ofisi zalo naphi na kweli okanye emnxebeni.
Sizamile ukuqinisekisa ukuba ufumana iingcebiso ezizizo. Kodwa ityala netyala lifuna ukuphandisiswa kwaye abeScorpion Legal Protection (Pty) Ltd, igqiza labacebisi neBONA nabashicileli bayo abanakubekwa tyala ngelahleko engafunyanwa ngumntu osebenzise iingcebiso zalo mhlathi.
