Ngokutsho kwe-Federal Trade Commission kunye neBhunga loKhuseleko lwezeMboleki, abaqokeleli beetyala ngabanye baxhalaba kakhulu ngamashishini kunye nesizathu esihle. Bambalwa abantu abanamava amahle abhekiselele kubaqokeleli beetyala. Nokuba ezinqabileyo ezintle zingabangela inkathazo, nokuba ngaba nje ngenxa yokuba babiza imali. Kodwa ngokuncinci ukuba amashishini asebenzise abaqokeleli, ngoko akunakwenzeka ukuba abaqokeleli beetyala baya khona nangoko.
Yintoni eqokelelwa ngamatyala?
Uqokelelo lwetyala luhlobo lwe-akhawunti yezimali ezithunyelwe kumqokeleli wetyala lomntu wesithathu. Abaqokeleli bematyala yiinkampani eziqokelela amatyala angahlawulwa kwabanye. Inkampani yokuqala eyayidala ityala inokwenzeka ukuba ithumele i-akhawunti kwi-arhente yokuqokelela emva kokulahlekelwa iintlawulo eziliqela kwaye ayikwazanga ukukuhlawula. Ngokuqhelekileyo iindleko eziphezulu kwiinkampani ukuqesha abaqokeleli beebyala kunokuba baqhubeke bechitha imali yabo ngokulandela ukuhlawulwa kweengxelo ezigqithisiweyo.
Ababolekisi abahlukeneyo nababoleki banemigaqo-nkqubo eyahlukileyo yokuthumela ii-akhawunti kwiiqokelelo. Ukuphononongwa kwekhadi lakho lesikweletu okanye isivumelwano semali-mboleko uza kukunika ulwazi olumalunga nomhla wexesha lomthengi wakho. Amanqaku amaninzi ekharityhulam athunyelwa kwi-arhente yokuqokelela emva kweentsuku eziyi-180, okanye ezintandathu ezintandathu, ezingekho intlawulo. Ezinye iintlobo zamashishini zingathumela iakhawunti kwi-arhente yokuqokelela emva kwenyanga okanye ezimbini okanye iintlawulo ezingekho phantsi.
Yintoni onokuyilindela xa unayo i-akhawunti ye-akhawunti
Xa bezama ukukufumana ukuhlawula amatyala, abaqokeleli beetyala baya kukubiza, bathumele iileta kwaye bafake ingeniso kwingxelo yakho yekhredithi. Ukuba ngaba nenombolo yefowuni yomsebenzi wakho, baya kuthi bakubize kwindawo yakho yengqesho ngaphandle kokuba ubavumele ukuba umqeshi wakho akayivumeli loo fowuni.
Abanye abaqokeleli baye baziwa ukuba babonise kwikhaya lomntu kwizame zabo zokuqokelela amatyala. Okumangalisa kukuba, okusemthethweni. Abaqokeleli bematyala banokudalela umnxeba wakho, ukuba unika inani kumthengi wakho ukuba adibanise nawe.
Abaqokeleli bematyala banokukubiza kuphela phakathi kweeyure ze-8 ekuseni no-9 ntambama ixesha lakho lendawo. Abaqokeleli bematyala banokukubiza ngokuphindaphindiweyo ngosuku, ngokukodwa xa udibanisa iifowuni zabo. Nangona kunjalo, abaqokeleli bayavunyelwe ukuba bakubize emva kokubuya emzameni wokukunxusa.
Xa umqokeleli wetyala enenkathazo yokufikelela kuwe, banokubiza abahlobo bakho okanye abamelwane ukuba baqinisekise ukuba banolwazi oluchanekileyo ngolwazi lwakho. Bavunyelwe ukwenza oku, kodwa abavunyelwe ukutyhila ukuba baqokelela ityala kwaye abanakuqhagamshelana nomntu ofanayo ngaphezu kwesinye.
Abaqokeleli bematyala baya kuthumela izaziso zentlawulo kwidilesi abanayo kwifayile. Kwi-bill yabo yokuqala, kufuneka baxelele ukuba unentsuku ezingama-30 ukucela ukuqinisekiswa kwetyala . Ukucela ukuqinisekiswa kubangela ukuba umqokeleli wetyala anikezele ubungqina bokuba unetyala. Isaziso sokuqinisekiswa kwetyala singanikwa kwakhona phezu kwefowuni ukuba umnxeba ungowokuqala umqokeleli ekuqhagamshelana nawe.
Ukuba abanalo idilesi echanekileyo, ungeke ufumane isaziso setyala. Kwaye ukuba umqokeleli akanakho inombolo yakho yeefowuni okanye idilesi efanelekileyo, awukwazi ukufumana malunga ne-akhawunti uze ubone idibene kwingxelo yakho yekhredithi.
Abaqokeleli beeTyala bafuneka ukuba balandele uMthetho woLungiso loTyala lokuTyala, okanye i-FDCPA, xa beqokelela ityala kuwe. Nangona kunjalo, amawaka abathengi abasebenzayo ngokubhekisana nabaqokeleli beetyala ngamnye ngonyaka baqinisekisa ukuba abayilandelanga ngaso sonke isikhathi umthetho.
Iikholeji ziphela njani kwiNgxelo yakho yeMali?
Ingxelo yakho yekhredithi iqulethe ulwazi malunga neakhawunti yakho yekredithi, umzekelo, amakhadi enkredithi, imali-mboleko, njl. Uninzi, ukuba awunabo bonke, ngababolekisi bakho bathumela iimbuyekezo zenyanga malunga nemo yakho yokuhlawula kwingxelo yakho yekhredithi.
Xa i-akhawunti ithunyelwa kwi-arhente yokuqokelela, okanye umthengisi oyisiqalo okanye umqokeleli uhlaziya i-akhawunti kwingxelo yakho yekhredithi ngegama "lokuqokelela".
Umboleki makakuxeleli ukuba i-akhawunti yakho ithunyelwa kwiikholeji. Nangona kunjalo, umqokeleli wetyala kufuneka akuxelele ukuba baqokelela ityala ngaphambi kokuba bathathe nantoni na.
Kuthetha ukuthini Ngetyala Lakho?
Ukuqokelela kwetyala ngenye yezona zihlobo ezigqithisileyo zeengxelo zeerhafu . I-akhawunti yokuqokelela ibonisa ukuba uye waba nexakile kwi-akhawunti.
Amanqaku akho ekhredithi aya kulahla xa iqoqo livela kwingxelo yakho. Unokukhishwa ngamakhadi-mboleko kunye neengxowa-mali kwixesha elizayo, ingakumbi ukuba ukuqokelelwa kutshanje okanye uhlala ungakhokhelwa okanye bobabini.
Iingxelo zokuqokelela amatyala zinokuhlala kwingxelo yakho yekredithi ukuya kwiminyaka esixhenxe. Unokunciphisa imiphumo yokuqokelela kwinqanaba lakho lekhredithi ngokulihlawula. Njengoko ixesha lihamba, i-akhawunti yokuqokelela izakuchaphazela i-credit yakho ngaphantsi. Ukuqhubekeka ukuhlawula zonke ezinye iindleko zakho ngexesha kuza kunceda akho amanqaku ekhredithi abuyele kwiqoqo leqoqo.