Abaqokeleli ababandakanya kwisenzo se-phantom setyala baphula umthetho woMsebenzi woTyala lokuTyala lokuTyala (i-FDCPA). Abavunyelwe ukuba "baveze" imali enetyala kwaye bathi unetyala elingekhoyo loo nto.
Sinemisebenzi emininzi yemali ngexesha lobomi, kunzima ukugcina ingqalelo yabo kwingqondo yethu. Abaqokeleli bematyala badlala kuloo nto kunye neqhinga labo leetyala. Bathemba ukuba uya kukholelwa ukuba unetyala lakho kwaye uya kubakhokhela. Ukuba unokwazi okuqinisekileyo malunga nokusemthethweni kwetyala, ungawuboni kwaye awuvumelani ukuwuhlawula.
Ingaba liMatyala okanye iNtyala?
I-FDCPA ikunika ilungelo lokuba nomqokeleli uqinisekise ityala lakho ngokusebenzisa inkqubo eyaziwa njenge- validation certificate . Unemihla engama-30 ukususela kumhla umqokeleli wetyala odibanise naye kuqala ukucela ukuqinisekiswa kwetyala. Emva koko, umqokeleli unemihla engama-30 ukuze anike ubungqina bokuba ungumnikazi wetyala okanye abelwe ukuyiqokelela ngumthengi wangaphambili. Ukuba umqokeleli akakwazi ukubonelela lo bungqina, ayikwazi ukuqhubeka ukuqokelela kuwe.
Hlola ingxelo yakho yekhredithi . Ukuba ityala livumelekile, i-akhawunti yasekuqaleni ingabhaniswa kwingxelo yakho yekhredithi.
Ngaba umqokeleli wakunike igama lomthengi-mali oyimvelaphi kwaye ukhangele ingxelo yakho. Azikho zonke ii-akhawunti zakuqala ezivela kwingxelo yakho yekhredithi. Ngokomzekelo, ukuba ukuqokelelwa kwesohlwayo kwintlawulo yesibonelelo esidlulileyo, ayiyi kuba kwingxelo yakho.
Qinisekisa ukuba i-arhente yokuqokelela ayizange ibhale ityala le-phantom kwingxelo yakho yekhredithi.
Ukuba kuyimfuneko, ungathumela ingxabano yengxelo yekhredithi ukuba isuswe.
Qhagamshelana nomthengi wangaphambili. Baxelele i-arhente yokuqokelela iye yazama ukukuhlawula ityala kwaye awukho irekhodi le-akhawunti. Umntu omele umbolekisi uya kuba nako ukukuxelela ukuba i-akhawunti ivumelekile kwaye ukuba inikezelwe kwi-arhente yokuqokelela.
Yeka Abaqokeleli Ukukubiza
Unokumisa abaqokeleli ukuba bangabibizi ngetyala le-phantom (okanye nayiphi na enye ityala) ngokuthumela ukubhalwa okubhaliweyo kunye nephepha lokucela ukuba bangaqhagamshelani nawe. Xa umqokeleli efumana ileta yakho, unokuqhagamshelana nawe ngexesha lokugqibela, ngokubhala ukuze akuxelele enye yezinto: ukuba ayiyi kuphinda iqokelele ityala kwakhona, ukuba inokuthi ithathe amanyathelo athile malunga nawe, okanye ukuba kuthatha izinto ezithile malunga nawe.
Ukubika abaThengisi beMatyala kwi-Phantom
Akukho mthethweni kubaqokeleli beetyala ukwenza izikwereti. Ukuba uthintelwe ukuba uhlawule ityala elingekhoyo, xelela umqokeleli kwi-Federal Trade Commission, kwi-Attorney General yelizwe, kunye ne-Business Business Bureau. Ungaphinde ufake ifowuni malunga ne-arhente yemonakalo eyona nto kunye nemonakalo yokugweba. Unokuphinda uxele umqokeleli ukuba uyaqhubeka uluhlu lwetyala kwingxelo yakho yekhredithi, uyayigatya isicelo sakho sokuqinisekisa kwaye uyaqhubeka nokuqokelela ityala, okanye uyayigatya ukuyeka nokushiya incwadi.