zulu.2532.debt
Ungasibalekela kanjani isikweleti
Isikweleti ngeke sikulandele njalo - kodwa labo abakweletisayo bahlale befuna ukukucindezela ngezindlela zomthetho. Nansi indlela ongazivikela ngayo
nguPATRICIA McCRACKEN
EMINYAKENI eyisishiyagalombili eyedlule, uMeshack Sepeng wase-Atteridgeville wehluleka ukukhokha isikweleti sakhe sakwaTelkom ngenxa yokungabi namali. Eminyakeni emine eyalandela, zashintsha izinhlanhla zakhe - wabona kungcono ukuba alungise isimo sokukweleta kwakhe.
"Unembeza wami wawungitshela ukuthi kufanele ngikhokhe engikukweletayo njengoba ngase nginamandla," kusho kukhumbula le-nsizwa enguchwepheshe wezokuthengisa.
Kodwa inkinga wukuthi isikweleti sakhe sisalokhu sihleli. Njalo uthola izincwadi ezimesabisayo kulabo abaqoqa izikweleti befuna ukuzolanda imali yesikweleti ayesevele esikhokhile.
"Sithola izikhalazo eziningi abathengi bethi bahlale belandelelwa isikweleti esisodwa impilo yabo yonke," kusho uManie van Schalkwyk oyi-Credit Ombud. "Okubi kakhulu wukuthi kungenzeka futhi baphinde bafakwe ngaphansi kohlu lwabakweletayo ngenxa yesikweleti esifanayo."
Lokhu kwenzeka ngenxa yendlela izikweleti zethu ezithengwa zidayiswe ngayo yimboni yezezimali.
Ngabe ufakwe ohlwini lwabakweletayo impilo yakho yonke"
"Uma umthengi eyeka ukukhokha i-akhawunti, abamthathisa ngesikweleti bagcina ngokusesula, igama lakhe balifake ngaphansi kwabantu abangakhokhi kahle isikhathi seminyaka emibili," kusho uManie. Umuntu othengisa abanye ngesikweleti (oyi-credit granter) kungenzeka aqashe inkampani eyenza umsebenzi wokuqoqa imali ukuze imqoqele izikweleti zakhe noma azakhele imali ethe xaxa ngabantu abangakhokhi kahle - ngokubathengisa ngemali ephansi enkampanini eqoqa izikweleti. Leyo nkampani iqale phansi ibafake ngaphansi kohlu lwabakweletayo.
"Lena yiyona ndlela yenqubo, akuyona ingxenye edingekayo yalokhu," kusho uVan Schalkwyk.
"Abaqoqi bezikweleti bakholwa wukuthi ukufaka umuntu okade wakukweleta ohlwini labakweletayo, kwenza kube lula ukuqoqa isikweleti. Lokhu kungenxa yokuthi emva kokufakwa ohlwini, umthengi ngeke akwazi ukuba aphinde anikwe ithuba lokuthenga ngesikweleti - ngokuvamile, ukhokha isikweleti asiqede ukuze akhishwe ohlwini lwabakweletayo."
Okubi wukuthi abaqoqa izikweleti baye bazame ukuba lesi simo basenze sedlulele ngokukufaka kabili ohlwini lwabakweletayo - ngaphansi kwako kokubili - i"Default" ne-"Collection" kwabe-credit bureau. Lokhu kusho ukuthi uma kubalwa kubhekwa ukuthi ungumuntu onjani ngakwezezikweleti kusetshenziswa indlela yamaphuzu, kusho ukuthi wena uzobalwa kabili bese ubhalwa kabili futhi, hhayi nje kanye - kodwa ngesikweleti esisodwa - mhlawumbe isikweleti ongasasikweleti.
Lokhu akukuhle, kusho uVan Schalkwyk: "Abathengi kungenzeka BANGAFAKWA kulolu luhlu ngaphezu kokukodwa esikweletini esithile kwabe-credit bureau."
Ngesinye isikhathi abathengi bethuka babone ukuthi ayikho enye indlela ngaphandle kokukhokha, yize sebekade beyikhokhile.
UVan Schalkwyk uyazwelana nabathengi abazibona bedonsa isigwebo abangasoze basiqeda. Wethemba ukuthi kuzokuba nokuxhumana okuhle ukuze labo abanika abantu izikweleti batshele abaqoqa izikweleti ukuthi umthengi vele usefakiwe ohlwini - ukuze abathenga izikweleti bakwazi ukubheka nabo ukuthi ngabe umthengi sewake wafakwa kulolu luhlu phambilini ngaphambi kokuba bamfake futhi.
Umthetho omusha weNational Credit Act ozoqala ukusebenza ngoJune, uyakugcizelela lokhu nokuyinto futhi ihhovisi leCredit Ombud lincike kuyo. Kodwa uVan Schalkwyk uyavuma ukuthi kufanele uwazi amalungelo akho ukuze ukwazi ukulwa ngokuyikho.
Imfihlo yesikweleti
Into abakweletisayo nabaqoqa izikweleti abangafuni uyazi wukuthi uma ungakakhokhi noma ungazange ukhombise ukusikhathalela isikweleti iminyaka emithathu - ungazange ngisho usikhiphele isenti futhi ungazange uxhumane nabo ngaso - sivele sife kanjalo.
Abantu bomthetho bathi isikweleti sisuke sesesulwe ngokusemthethweni. Lokhu kuchaza ukuthi awusakweleti mali ngeke futhi usafakwa ngaphansi kohlelo lwabakweletayo. Ngaleso sikhathi, konke ukufakwa kwakho kwabe-credit bureau kuzobe sekwesuliwe.
Kufanele uzivikele uma uthole amasamanisi esikweleti, kusho uVan Schalkwyk, ngaphandle kwalokho kuzothathwa isinqumo sokukugweba. Kufanele futhi wazi ngezinto zomthetho ezingase zikucindezele.
Kokunye ijaji noma imantshi ayivumelekile ukuba iqaphele ukuthi isikweleti siphelelwe yisikhathi ukuze ilichithe icala. Esikhundleni salokho kufanele kube nguwe okushoyo lokho lapho uzivikela.
Lokhu kusho ukuthi kufanele wazi imfihlo esesikutshelile ngayo ngokusebenza kwesikweleti. Kufanele futhi ubheke izindlela umthetho okuphica ngayo.
"Umbuzo ovamile ngothi 'Uma ungawina iLotto, ngabe ungasikhokha sonke isikweleti kusasa" Iningi labantu liye lithi yebo lingasikhokha ngoba lifuna ukuzwakala njengabantu abakahle abathembekile.
"Kodwa ngokwenza njalo, ukhombisa ukusazi isikweleti nokuba nesifiso sokusikhokha."
Lokhu kuchaza ukuthi usuzifake ogibeni, esikhundleni sokuzikhipha.
Enye inkinga yomthetho wukuthi awunqandi abangabaqoqi bezikweleti ukuba bakulandelele izikweleti, kusho kwexwayisa uVan Schalkwyk. Ngakhoke naseminyakeni engu-30 noma engaphezulu, usazozithola kudingeka ukuba usebenzise le ndlela yokuzivikela esikweletini esisodwa esidala. [z]
Ukufa kwesikweleti
BONA ZULU - May 2007
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Bheka amaqhinga omthetho
BONA ZULU - May 2007
Zisize uphume kwabasohlwini lwezikweleti
UMA usubhaliswe ngaphansi kwabantu abanezikweleti, ungaphumelela ukuzisiza...
1. Cela abama-credit bureau bakunike ikhophi yamahhala yemibiko yezikweleti ngaphansi kwenyanga yokuzalwa kwakho, ukuze ubheke isikweleti nokuthi ngabe bukhona yini ubugebengu bama-ID obudala isikweleti ngaphansi kwegama lakho.
Xhumana nabe-Transunion-ITC kule nombolo 0861-482-482;
www.transunion.co.za
noma abe-Experian kule nombolo 0861-105-665;
www.experian.co.za.
2. Uma ungavumelani nemibiko yesikweleti sakho, kudingide lokhu nabe-credit bureau. Uma futhi ungahambisani nesinqumo sabo, thola usizo kwi-Credit Ombud: 0861-OMBUDS (662-847);
www.creditombud.org.za
3. Shayela abeNational Credit Regulator Helpline ucingo ukuze uthole iseluleko sokuthi ungasikhokha kanjani isikweleti sakho ukuze uphume kulolu luhlu lwabakweletayo ngokushesha.
0861-100-406; 011-554-2600;
www.ncr.org.za
