Consumer tips in Xhosa

I-National Credit Act 34 ka-2005 (“uMthetho”) yangeniswa ukuze “ikhuthaze kwaye iphucule intlalo noqoqosho lwabemi boMzantsi Afrika, ikhuthaze imarike noshishino lwemali-mboleko enobulungisa, eselubala, enamaxabiso afanelekileyo, ethwalekayo, enengqiqo, esebenza ngokukhawuleza, esebenza kakuhle nefikelelekayo, kunye nokukhusela abaXumi.”

UKUBOLEKA IMALI

U-Capfin ngumboneleli wamatyala oneempepha ozungeza ukulandela uMthetho kwaye abolokise ngemali ngengqiqo kubo bonke abaxumi bakhe esele bekho nabasenokubakho. Ngoko ke senza bonke abaxumi bethu bayiqonde kakuhle imimiselo nemiqathango yemali-mboleko ngaphambi kokuba bazibophelele nakanjani na ngezemali. Icebo eliluncedo kukudandalazisa ibhajethi ukuze uzincede ngokuziqhelanisa nayo yonke inkcitho yakho yanyanga le, ukulawula imali yakho ngcono nokuhlawula bonke obatyalayo ngokupheleleyo nakwangexesha. Umxumi ngamnye wethu unoxanduva lokuhlawula imali-mboleko yakho ngokupheleleyo, neentlawulo ezongezelelweyo kwakunye neentlawulo kunye nenzala. Yiloo nto sicebisa bonke abaxumi bethu ukuba bancede baqinisekise ukuba banakho ukuhlawula iintlawulo zenyanga eziza kuhaba nemali-mboleko yethu ngokwesivumelwano semali-mboleko sakwa-Capfin.

IINGXAKI ZAMATYALA

Ukuba kunokwenzeka uzifumanise ungakwazi ukuhlangabezana nezibophelelo zakho ngokwasemalini, sicebisa ukuba ufune uncedo ngoko nangoko. Apha ngezantsi nazi izinto ezimbalwa ezifumanekayo ukuba uthe wazifumanisa usezingxakini zezemali:

  1. Qhagamshelana no-Capfin ngqo ngokuthumela igama elithi “NCEDA” nge-SMS ku-43679 kwaye siza kubuyela kuwe ngefowuni ukuze senze amalungiselelo entlawulo angamanye kunye nawe ukuba sinakho, siphinde simisele ishedyuli yakho yenyanga yangoku yezibophelelo zika-CAPFIN; okanye
  2. qhagamshelana nengcali yeengcebiso ngamatyala eneempepha ukuze ikuncedise ngezithembiso sokuphinda kumiselwe ishedyuli yawo onke amatyala akho/ezibophelelo zenyanga kwaye ikuncede wenze amalungiselelo kunye nabo ubatyalayo, alungiselelwe kanye le meko yezemali ukuyo. Lo Mthetho ulungiselela inkqubo yokuhlolwa kwamatyala akho kwaye nengcali yeengcebiso ngamatyala eneempepha iya kukunabisela ngale nkqubo. Ungaqhagamshelana ne-National Credit Regulator ku- 0860 627 627 okanye utyelelo iwebhusayithi yayo ku- www.ncr.org.za ukuze ufumane ingcali yeengcebiso ngamatyala ekufutshane nawe; okanye
  3. yenza isicelo somyalelo wolawulo apho iimali zakho ziya kufakwa phantsi kolawulo ngomyalelo wenkundla. Ngokwenza oku awusayi kubanakho ukwenza amanye amatyala okanye ukufumana ikhredithi ngaphandle kwemvume yenkundla, ngoko ukwazi ukubuyisa imali yabo ubatyalayo. Ukuze ufumanise nangakumbi ngokuphathelelene noku, qhagamshelana noMbutho weZomthetho wePhondo okanye noMbutho weZomthetho waseMzantsi Afrika ku- 012 366 8800 okanye ku- lssa@lssa.org.za; okanye
  4. ngenisa iimpahla zakho ukuze zixuthwe, nto leyo efana naxa inkampani ixuthwa ubutyebi bayo kodwa ngoku yenziwa emntwini. Okwenzekayo kuza kuchongwa umlawuli weempahla zakho ukuze enze izigqibo nabo ubatyalayo, athintele ukuba ungenzi amanye amatyala okanye ungaleqwa yinkundla ngamanye amatyala akho ezemali. Iziphumo zoku zinzulu kwaye kumele uxoxe ngazo negqwetha lakho ngaphambi kokuba uqwalaselo eli nyathelo.

YINTONI INGXELO YAMATYALA?

Ingxelo yamatyala yingxelo eyenziwa liziko lekhredithi ebonisa onke amatyala akho, izibophelelo zakho ngokwasemalini, imiyalelo yenkundla eyenziweyo ngawe kunye nayiphi na inkcazelo emayelana neentlawulo ezingenziwanga engeniswe ngabanye ababoneleli bekhredithi kwiziko lekhredithi. Unelungelo lokucela ikopi esimahla lengxelo yakho yekhredithi kube kanye ngonyaka kwiziko lekhredithi elibhalisiweyo ukuze uqinisekisa ukuba yonke inkcazelo ekule ngxelo ichanekile. Ukuba awuvumelani nale nkcazelo inikezelweyo kwingxelo yakho yekhredithi, kufanele uveze le ngxaki ngqo kwiziko lekhredithi elinikezele ngale nkcazelo.

  • XDS (Xpert Decision System)
  • T: 011 645 9100
  • I-imeyili ngu: data@xds.co.za
  • VeriCred Credit Bureau (Pty) Ltd
  • T: 086 604 1273
  • I-imeyili ngu: info@vccb.co.za


INKQUBO YEZIKHALAZO

Ukuba unokuzifumanisa ukule meko apho ufuna ukufaka isikhalazo esimayelana nazo naziphi na iinkonzo zika-Capfin, qhagamshelana nesebe lethu leenkonzo zabaxumi ku- 087 354 0000.

Isebe leenkonzo zabaxumi lika-Capfin lizinikele ekusombululeni izikhalazo zakho nasekukuncedeni ngemibuzo yakho emayelana nemali-mboleko kwakamsinyane kangangoko. Ukuba isikhalazo sakho asikasombululeki ngendlela ekwanelisayo, usenokuqhagamshelana noMlamli weKhredithi (Credit Ombud) okanye ne-National Credit Regulator uze ulandele inkqubo yabo yezikhalazo.

Umbutho: T: I-meyili: Iwebhusayithi:
I-Credit Ombud 0861 662 837 ombud@creditombud.org.za www.creditombud.org.za
I-National Credit Regulator 0860 627 627 / 011 554 2600 complaints@ncr.org.za www.ncr.org.za


UKUQUKUMBELA

Nanini na xa ungena kwisivumelwano, kufuneka uhlale unikezela ngenkcazelo eyinyani nechanekileyo kumboneleli wetyala malunga nezibophelelo zamatyala onazo.

Ukuze uphephe ukongezwa kweentlawulo zenzala ezongezelelekileyo kwityala lakho elingekahlawulwa, qinisekisa ukuba uhlawula zonke izitolmente zakho ngexesha.

Kubalulekile ukhumbule ukuba kuya kuhlala kukho indlela yokufumana uncedo nokuphoziswa xa uziva uxakanisekile ngamatyala nezibophelelo zakho zezemali. Ngoko, siya kukhuthaza ukuba usebenzise olu lwazi uze uqhagamshelane nemithombo edweliswe apha ngentla ngenkcazelo ethe vetshe nangoncedo.

NDINGAKWAZI UKUFUMANA AMAXWEBHU AM EMALI-MBOLEKO NGESINGESI KUPHELA?

Hayi, ngoku xa ucela ungafumana amaXwebhu akho eMali-mboleko nge-Afrikansi, ngeSesotho, ngesiZulu nangesiXhosa. Imimiselo nemiQathango ngezi lwimi zikwafumaneka nakwiwebhusayithi yethu ku-www.capfin.co.za

NDINGAWACELA NJANI AMAXWEBHU EMALI-MBOLEKO AM NGE-AFRIKANSI, NGESESOTHO, NGESIZULU OKANYE NGESIXHOSA?

Ngokufowunela u-087 354 0000 okanye ngoku-imeyilela u-: legal@capfin.co.za