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Consumer tips in Zulu

Umthetho Kazwelonke Wezikweletu ongunombolo 34 wezi-2005 (“Umthetho”) wethulwa “ukuze ukhuthaze futhi uthuthukise inhlalakahle yezomnotho Yabantu baseNingizimu Afrika, ukhuthaze imakethe yezikweletu nemboni engachemile, engafihli, eyenza kangcono, eqhubekayo, ethembekile, egculisayo, ephumelelayo nefinyelelekayo, nokuvikela Abathengi.”

UKUBOLEKA IMALI

I-Capfin umhlinzeki wezikweletu obhalisiwe ozama ukulandela Umthetho futhi ibolekise ngemali ngendlela ethembekile kuwo wonke amakhasimende amadala nawesikhathi esizayo. Ngakho-ke, sivumela wonke amakhasimende ethu ukuthi ayiqonde ngokugcwele imigomo nemibandela yemalimboleko ngaphambi kokungena ezivumelwaneni eziphathelene nemali. Icebo elisizayo ukwenza isabelomali esiningiliziwe ukukusiza ukubona zonke izindleko zakho zenyanga, ukuphatha imali yakho kangcono nokukhokha obakweletayo ngokugcwele nangesikhathi. Ikhasimende lethu ngalinye linomthwalo wokukhokhwa kwesikweletu salo ngokugcwele, izimali ezifakwa ngaphezulu kanye nezinye izimali nenzalo. Yingakho seluleka wonke amakhasimende ethu ukuthi asize aqinisekise ukuthi anawo amndla okukhokha izimali ezifakwa ngenyanga ezihambisana nemalimboleko yethu ngokwesivumelwano semalimboleko sakwa-Capfin.

IZINKINGA ZEZIKWELETU

Uma kwenzeka uzithola usesimweni lapho ungasakwazi ukubhekana nezibopho zakho zezimali zenyanga nenyanga, siphakamisa ukuthi ufune usizo ngokushesha. Lapha ngezansi yizinto ongakhetha ukuzenza ezikhona uma kwenzeka uzithola unezinkinga zezimali:

  1. Xhumana ne-Capfin ngqo ngokuthumela igama “SIZA” nge-SMS kule nombolo: 43679 futhi sizokushayela ucingo ukuze sihlele kanye nawe enye indlela ehlukile yokukhokha noma uma kungenzeka, sihlele kabusha izibopho zakho zokukhokha njalo ngenyanga kwa-Capfin; noma
  2. Xhumana nomeluleki wezezikweletu obhalisiwe ukuze akusize ngokuhlelwa kabusha okungenzeka kwezikweletu zakho zonke/izibopho zakho zanyanga zonke akusize ukuthi wenze izinhlelo nobakweletayo, ezilungiselelwe isimo sakho samanje sezimali. Umthetho uhlinzekela inqubo yokubuyekezwa kwezikweletu futhi umeluleki wezikweletu obhalisiwe uzokuchazela ngenqubo ngokuningiliziwe. Ungashayela ucingo Umlawuli Wezikweletu Kazwelonke kule nombolo: 0860 627 627 noma uvakashele le webhusayithi yabo www.ncr.org.za ukuze uthole umeluleki wezikweletu oseduze nawe; noma
  3. Ufake isicelo somyalelo wokuphathwa kwezikweletu lapho impahla yakho izobekwa ngaphansi kokuphathwa ngokomyalelo wenkantolo. Ngokwenza lokhu ngeke ukwazi ukwenza ezinye izikweletu noma ukuthenga ngesikweletu ngaphandle kwemvume yenkantolo, ukuze ukwazi ukukhokhela obakweletayo. Ukuthola ulwazi oluthe xaxa ngalokhu, xhumana Nenhlangano Yesifundazwe Yabameli eseduze nawe noma Inhlangano Yabameli yaseNingizimu Afrika kule nombolo: 012 366 8800 noma lssa@lssa.org.za; noma
  4. Vumela ukushaqwa kwempahla yakho, okufana nokuvalwa kwenkampani nokudayiswa kwempahla yayo kodwa kulokhu kwenziwa kumuntu oyedwa. Okubalulekile umphathiswa uyaqokwa ukuthi abe ngumphathi wempahla yakho ukuze kuphothulwe izingxoxo nobakweletayo, ukukuvimbela ukuthi wenze ezinye izikweletu ezingaphezulu noma uhlukunyezwe ezinye izinyathelo zomthetho ezibhekiswe kuwe. Kodwa-ke imiphumela ihamba ibanga elide futhi kumele kuxoxwe ngayo nommeli wezomthetho ngokuningiliziwe ngaphambi kokucabanga ukukhetha ukwenza lokho.

UYINI UMBIKO WEZIKWELETU?

Umbiko wezikweletu umbiko okhishwa abaphathi bezikweletu ochaza ngazo zonke izikweletu zakho, okukhokhelayo, imiyalelo yenkantolo ekhishiwe ibhekiswe kuwe kanye nanoma yiluphi ulwazi oluphathelene nezikweletu ezingekakhokhwa okulethwa abahlinzeki bezikweletu kubaphathi bezikweletu. Unelungelo lokucela ikhophi eyodwa yamahhala yombiko wakho wezikweletu kanye ngonyaka kubaphathi bezikweletu ababhalisiwe ukuqinisekisa ukuthi lonke ulwazi olusembikweni luyiqiniso. Uma ungavumelani nolwazi oluhlinzekwe embikweni wakho wezikweletu, kumele uxoxe ngale nkinga ngqo nabaphathi bezikweletu abakuhlinzeke ngalolo lwazi.

  • VeriCred Credit Bureau (Pty) Ltd
  • T: 086 604 1273
  • I-meyili: info@vccb.co.za


INQUBO YOKUFAKA IZIKHALO

Uma kungenzeka uzithole usesimweni lapho ungathanda ukufaka isikhalo esiphathelene nanoma iyiphi insizakalo yakwa-Capfin, shayela umnyango wethu wokusiza amakhasimende kule nombolo: 087 354 0000.

Umnyango wokusiza amakhasimende wakwa-Capfin uzinikele ekuxazululeni izikhalo zakho ngokugcwele futhi usize ngemibuzo yakho ephathelene nemalimboleko ngokushesha okukhulu. Uma isikhalo sakho singekaxazululwa ngokugculisayo, ungaxhumana ne-Credit Ombud noma Umlawuli Wezikweletu Kazwelonke ulandele inqubo yabo yokufakwa kwezikhalo.

Inhlangano: T: I-meyili: Iwebhusayithi:
I-Credit Ombud 0861 662 837 ombud@creditombud.org.za www.creditombud.org.za
Umlawuli Wezikweletu Kazwelonke 0860 627 627 / 011 554 2600 complaints@ncr.org.za www.ncr.org.za


IZINCWADI ZAMI ZEMALIMBOLEKO NGINGAZITHOLA NGESINGISI KUPHELA?

Cha, manje uma ucela ungathola Izincwadi zakho Zemalimboleko ngesiBhunu, iSisuthu, isiZulu nesiXhosa. Imigomo Nemibandela ebhalwe ngalezi zilimi iyatholakala kuwebhusayithi yethu lapha: www.capfin.co.za

NGINGAZICELA KANJANI IZINCWADI ZEMALIMBOLEKO NGESIBHUNU, ISISUTHU, ISIZULU NOMA ISIXHOSA?

Ngokushayela le nombolo: 087 354 0000 noma ngokuthumela i-imeyili lapha: legal@capfin.co.za