Nazi iindlela ezisibhozo zokuqwalasela izikratshi zokuqokelela amatyala ukuze uqinisekise ukuba awukhoxwanga ngemali yakho.
Umqokeleli wetyala unxusa ukuba uhlawule ngokukhawuleza . Uninzi lwabaqokeleli beetyala baya kusebenzisa inani elithile loxinzelelo lokuba baqinisekise ukuba uhlawule ityala. Emva koko, bahlala bengakhokhelwa ngaphandle kokuba uhlawule. Yiba netyala lokuba umqokeleli wetyala ubonakala esebenzisa ubunzima obungavumelekanga ukuba uhlawule ngokukhawuleza, ngokukodwa ukuba nabo basebenzisa amaqhinga okwesaba ukuba uhlawule ngokukhawuleza. Ngokomzekelo, umqokeleli wetyala unokukuhlambalaza ukuba unokusongela isigwebo kwaye uxelela ukuba unokuphepha ukugwetywa ngokuhlawula ngokukhawuleza.
Umqokeleli wetyala ucela ukuba uhlawule nge-transfert ye-wire okanye enye indlela engaphumekiyo . Abaqokeleli bamatyala abasemthethweni baya kwamkela iindlela ezahlukeneyo zokuhlawula kuquka ukukhangela, ikhadi lokukhwabanisa, okanye ikhadi lekhredithi. Uphawu oluqinisekileyo lwe-scam yokuqokelela isikweleti ngumqokeleli ofuna ukuba uhlawule ngokudluliselwa kwetro okanye enye indlela engayi kulandelwa.
Ukuba indlela yokuhlawula ayikwazi ukulandelwa, uza kuba nexesha elinzima ukufumana abaphathi ababandakanyekayo.
Awuboni umthengi okanye i-akhawunti . Siza kuba neakhawunti ngamashishini amaninzi kwimpilo yethu. Kungenzeka ukuba umqokeleli angaqhagamshelana nawe malunga ne-akhawunti oyilibele ixesha elide.
Ukuba umboleki-mali uvalela ngaphandle kwamanye amazwe, okanye uyazi ukuba awuzange ube ne-akhawunti kunye naloo shishini, kukho ithuba lokuba ugaxekile. Ungalokothi uhlawule iqoqo ongaziwayo. Unelungelo lokucela ubungqina bentyala kumqokeleli wetyala phambi kokuba uthumele intlawulo.
Unokujonga kwakhona ukuba ngaba ingxelo yakho yekredithi ibandakanya i-akhawunti yaloo mboleko. Qaphela ukuba iingxelo ezingekho phantsi zivela kwingxelo yakho yeebhanki emva kweeminyaka ezisixhenxe, ngoko ukufumana umboleki-mboleko kwingxelo yakho yekhredithi akuthethi ukuba ukuqokelela kwetyala kuyisistim.
Nangona uqaphela umboleki-mali, akuthethi ukuba awuthatyathwa. Xa wenza isicelo sokuqinisekiswa kwetyala, umqokeleli wetyala kufuneka akunike ubungqina bentyala kunye nobungqina bokuba banikwe igunya lokuqokelela kwityala. Abakwa-Scammers bafumane ulwazi malunga neengxelo owake wazibamba kwaye usebenzisa le nkcazelo ukukhohlise ukuba uhlawule.
Awunakufumana nantoni kwi-intanethi xa ukhangela inamba yefowuni . Enye indlela yokujonga ukuba umqokeleli weetyala ngumngcolisi okanye inkampani eyaziwayo ngokugxekwa kukufuna i-intanethi kwinombolo yefowuni. Ngokuqhelekileyo, uya kufumana amaphepha ewebhu apho abanye abathengi baphakamise ngetyala lokuqokelela ityala kunye nezoshishino abaziqokeleyo.
Ukuba, nangona kunjalo, ukhangela inamba yefowuni kwaye awufumani miphumo okanye ubona abanye bethetha ukuba inkampani i-scammer, ngoko uyaziphepha ukuthumela nayiphi na intlawulo kuloo nkampani.
Umqokeleli wetyala ubeka ingozi kuwe ngexesha lokubanjwa okanye ubonakale njengamagosa karhulumente . Akukho mthethweni ukuba umqokeleli wetyala axoxe nawe, usongele inyathelo abangayithathiyo, okanye ukuba babe ngamagosa karhulumente. Abaqokeleli bamatyala abasemthethweni abakwaziyo ukusebenzisa la maqhinga angekho mthethweni ngenxa yokuba abafuni ukubeka ishishini labo engozini ngokuphula umthetho. Ngaphandle kolunye uhlangothi, abaxhalabele ngokulandela imithetho yokuqokelela amatyala.
Bacela ukuba bafumane ulwazi olufunekayo . Akuyiyo yonke ingxowa yokuqokelela amatyala ekujolise ekukhohliseni ukuba uthumele intlawulo yetyala. Abaninzi bafuna ulwazi lomntu siqu abangayisebenzisa ukwenza ubuqhetseba okanye ukwebiwa kwezazisi.
Xa abathengi baqesha abaqokeleli beebyala, bathumela inani elithile malunga nolwazi malunga nawe. Ngokuqhelekileyo kubandakanya igama lakho, idilesi, umhla wokuzalwa, inombolo ye-akhawunti, kunye nenye okanye yonke inombolo yakho yokhuseleko loluntu. Yolungela umqokeleli wetyala obiza ukuba akucele nayiphi na le ngcaciso.
Kodwa, ngenxa yokuba umnxebi unolwazi oluninzi ngawe, akuthethi ukuba abagxeki. Ngolwazi oluninzi malunga nawe kwi-intanethi nakumajelo asekuhlaleni, uqokelelo lweentyala luyakwazi ukuqokelela ulwazi olwaneleyo ukwenzela ukuba ucinge ukuba bangokoqobo.
Abayi kunika ulwazi loqhagamshelwano lwenkampani yabo . Abaqokeleli bematyala bafunwa ngumthetho ukuba bazibonele xa befowuni kunye nawe . Umqokeleli wenkohlakalo wenene kufuneka azimisele ukukunika igama lenkampani yabo, inombolo yabo yefowuni kunye nedilesi yabo yokuposa. Ufuna idilesi yeposi ngokukodwa ukuze ungathumela ileta ecela ubungqina besikweletu ngaphambi kokuthumela intlawulo. Kuwuphawu lobutyebi bokuqokelelwa kwetyala ukuba inkampani ingafuni ukunikela ingcaciso yabo.
Iqoqo ayikho kwingxelo yakho yekhredithi . Kukho iimeko ezithile ezisemthethweni apho ukuqokelela kwangempela kungeke kubekho kwingxelo yakho yekhredithi. Ukuba i-akhawunti idlulileyo umda wexesha lokubhengezwa ngetyala (ngokuqhelekileyo iminyaka eyisixhenxe), umqokeleli wetyala akakwazi ukufaka ngokusemthethweni i-akhawunti kwingxelo yakho yekhredithi. Ngamanye amaxesha kukho ukulibaziseka phakathi kwexesha umqokeleli athola ityala kwaye xa libika kwi-credit bureau. Nangona ukwazi ukuba kukho ezinye izinto, ukungaboni iqoqo kwingxelo yakho yesikweletu ngamanye amaxesha kungabonakalisa ukuba ukuqokelela kuyisistim. Sebenzisa ezinye iindlela ukuze uqinisekise umqokeleli wetyala ngaphambi kokuba ucinge ukuhlawula.
Ukukhusela amalungelo akho kwaye uqinisekise ukuba awunokwenziwa kakubi, kukulungele ukuhlawula nayiphi na umqokeleli wetyala ngaphambi kokuthumela intlawulo. Kukho ithuba lokuba inkampani ifuna ukufumana ityala lenene. Buza i-arhente yokuqokelela igama layo kunye ne-imeyile yokuthumela kwaye uthumele ileta ecela ubungqina bentyala. Ukuba i-arhente yokuqokelela ayithumeli ubungqina okanye ubungqina abaneleyo ukubonisa ukuba ityala lenene, i-agunya ayivunyelwe ukuba iqhubeke nokudibanisa nawe.
Ngelishwa, ukuba uya kuhlaselwa kwaye uyathumela intlawulo, awukwazi ukufumana imali yakho, ingakumbi ukuba uncedise ukuhlawulwa okanye usetyenzise ikhadi elihlawulwa. Ingxelo yokuqokelela amatyala kwi-Federal Trade Commission, i-Bureau ye-Consumer Financial Protection Bureau, kunye ne-Attorney General Jikelele.