NCR Policy Xhosa

IMIMISELO NEMIQATHANGO (NCRCP74)

Le yiMimiselo neMiqathango yeSivumelwano seMalimboleko (ngokwecandelo 93(2) lomthetho iNational Credit Act onguNombolo 34 ka-2005 (“uMthetho”)) yeCAPFIN, icandelo leCentury Capital (Pty) Ltd (“CAPFIN”). Le Mimiselo neMiqathango iyinxalenye yesivumelwano kwaye ifanele ifundwe kunye noshicilelo lwelizwi lweKoteyishini neSteyitimenti seSisvumelwano sokuqala neSivumelwano seMalimboleko. Nakuphi na ukubhekiselela “kwisivumelwano” apha ngezantsi kuza kuthetha ushicilelo lwelizwi lweKoteyishini neSteyitimenti seSisvumelwano sokuqala neSivumelwano seMalimboleko kunye nale Mimiselo neMiqathango.

1. INTSAYELELO

1.1 I-CAPFIN ibhaliswe kwiqumrhu loLawulo lwaMatyala kuZwelonke iNational Credit Regulator (“NCR”) kwaye ihambisana nomthetho iNational Credit Act.

1.2 Nje ukuba unqwenele ukufaka isikhalazo ungaqhagamshelana neNCR ku-086 627 627 okanye CAPFIN ku-087 354 0000.

1.3 Isivumelwano sigqitywa emva kokuba iCAPFIN ikwamkele okunikezelayo kwaye isivume isicelo sakho semalimboleko. Ukunikezelwa kwemalimboleko kuxhomekeke ngokupheleleyo kwiCAPFIN.

1.4 Nasiphi na isilungiso esenziweyo siza kubophelela kuphela akuba iCAPFIN ikwazise ngembalelwano ngeso silungiso.


2. ISHEDYULI YOKUBUYISWA KWENTLAWULO

Ishedyuli yokubuyiswa kwemali eqhotyoshelwe kule Mimiselo neMiqathango ichaza iingcombolo ezinxulumene nesixamali semalimboleko esamkelweyo nesivunyiweyo kwaye ifundwe
njengenxalenye yesi sivumelwano.


3. UMLINGANISELO WEMALINZALA NEMIRHUMO

3.1 kusuku lokugqibela enyangeni.

3.2 Kwimeko apho kukho khona isixamali esikwiariyezi kwiakhawunti yakho ngenxa yokungahlawuli okanye yokuhlawula emva kwexesha, umlinganiselo wemalinzala ofakelwayo kweso sixamali sikwiiariyezi asisayi kugqithisa kowona mlinganiselo uphezulu wemali omiselwe isivumelwano phantsi kweNCA.

3.3 Nje ukuba itshintshe umlinganiselo wemalinzala iCAPFIN, isixamali somrhumo okanye iitshajizi ezikhoyo kwiakhawunti yakho okanye ubuninzi okanye ixesha lentlawulo yomrhumo wemalimboleko okanye wetshaji njengoko kuchaziwe kwiNCA, iCAPFIN iza kwazisa ngembalelwano yeSMS malunga notshintsho olucetywayo kwiintsuku ezi-5 zokusebenza phambi kokuba lusebenze olo tshintsho.

3.4 I-CAPFIN inelungelo (ekwazisile okanye engakwazisanga) lokutshitshisa ilungelo layo kwintwana yayo nayiphi na imirhumo ehlawulo kwimalimboleko entsha xa unikwa imalimboleko entsha kudidi oluthile lwabaxumi (ezo ndidi ziza kufunyaniswa yiCAPFIN ngokunokwakhe ngokupheleleyo kuquka nabaxumi abasele bekhona). Nakuphi na ukutshitshiswa okunjalo okwenziwa yiCAPFIN phantsi kwamalungelo ayo okutshaja imirhumo epheleleyo yokuqal’ ityala akusayi kuphazamisa okanye kulungisa imo yesi sivumelwano sekhredit.


4. INKCAZO YAPHAMBI KWESIVUMELWANO

4.1 Unelungelo lokulibazisa ukugqiba esi sivumelwano kwiintsuku ezi-5 zokusebenza ukuze uqwalasele imimiselo nemiqathango.

4.2 Ukuba kwiintsuku ezi-5 zokusebenza ukhetha ukugqiba isivumelwano esindululiweyo, eso sivumelwano siza siza kuba phantsi kwemimiselo (kwaye sibe kwimilinganiselo okanye sibe ngaphezulu kwemilinganiselo yeendleko zemalinzala) njengoko bekuxoxiwe ngaphambili kwincoko yomnxeba yakho neziko lethu loncedo.

4.3 Imalinzala iza kutshajwa ukusukela ngomhla imali ehlawulwe ngayo kwiakhawunti yakho yiCAPFIN hayi ukusukela ngomhla owenza ngawo isivumelwano sokugqiba isivumelwano semalimboleko kwincoko yomnxeba oyenze neziko lwethu loncedo.


5. UKUBUYISA INTLAWULOMALI

5.1 Sakube sihlawuliwe isixamali kwiakhawunti yakho yebhanki, uza kubanoxanduva lokubuyisa intlawulomali yaso sonke isixamali esichaziweyo kwisivumelwano (esisixamali semalimboleko kunye nemalinzala nazo zonke iitshajizi ezifana neendleko zolawulo).

5.2 Uza kufaka idebhit oda ngokubhekiselel kuso nasiphi na isixamali esihlawulwayo phantsi kwesivumelwano kwaye uvumile koku kulandelayo:-

5.2.1 I-CAPFIN iza kwenza idebhit oda kwiakhawunti yakho ukukoleka ii-instolmenti ngomhla weinstolment okanye ngomnye umhla anokuthi umqeshi wakho adipozithe ngawo umvuzo wakho.

5.2.2 Apho umhla weinstolment yakho ungomhla olandela iholide kawonkewonke, iCAPFIN iza kwenza idebhit oda kusuku lokusebenza olungaphambili;

5.2.3 Apho umhla weinstolment yakho ungomhla wokugqibela enyangeni, iCAPFIN iza kwenza idebhit oda kusuku lokusebenza olungaphambili;

5.2.4 Apho umhla weinstolment yakho ungomhla woku-1 enyangeni, iCAPFIN iza kwenza idebhit oda kusuku lwama-30 lwenyanga engaphambili;

5.2.5 Imiyalelo yeNtlawulo yangoDisemba isenokudebhithwa kwiakhawunti yakho ngoLwesihlanu ophambi komhla we-14 kuDisemba, ngaphandle kokuba kuvunyelwene ngenye indlela;

5.2.6 NCEDA UQAPHELE apho nayiphi na i-instolment engempelaveki, ngoMvulo okanye ngeholide kawonkewonke, iCAPFIN iza kwenza idebhit oda kusuku lokusebenza olungaphambili;

5.2.7 Ireferensi kwisteytimenti sakho sebhanki kuzo zonke iidebhit oda zikaCAPFIN iza kuba nguCAPFIN;

5.2.8 Ukuba akukho mali yaneleyo ukuze kutsalwe i-instolmenti yakho, iCAPFIN iza kubaselungelweni lokulandela ekhondweni iakhawunti yakho ize itsale intlawulo ngoko nangoko xa kukho imali eyaneleyo kwikahawunti yakho.

5.3. Nje ukuba iakhawunti yakho ibekwiiariyezi, kuza kufuneka ufake imali yaso nasiphi na isixamali ekumele usihlawule phambi kwesivumelwano nagemvume yakho kule mimiselo yongezelelekileyo ilandelayo:

5.3.1 Apho umhla weinstolementi yakho uphakathi komhla we-2 nowe-14, iCAPFIN iza kwenza idebhit oda kusuku lomhla wama-25 lwenyanga engaphambili;

5.3.2 1 Apho umhla weinstolementi yakho uphakathi komhla we-15, wama-23, wama-24, iCAPFIN iza kwenza idebhit oda kusuku lokusebenza olungaphambili;

5.3.3 Apho umhla weinstolementi yakho uphakathi komhla wama-25 nowo-1, iCAPFIN iza kwenza idebhit oda ngomhla wama-23 enyangeni;

5.3.4 Imiyalelo yeNtlawulo yangoDisemba isenokudebhithwa kwiakhawunti yakho ngoLwesihlanu ophambi komhla we-4 kuDisemba, ngaphandle kokuba kuvunyelwene ngenye indlela

5.3.5 NCEDA UQAPHELE apho nayiphi na i-instolment engempelaveki, ngoMvulo okanye ngeholide kawonkewonke, iCAPFIN iza kwenza idebhit oda kusuku lokusebenza olungaphambili.

5.4 Ulindeleke ukuba usihlawule sonke siphelele isixamali ovumelane ngaso ngeeinstolmenti zenyanga ngedebhit oda kangangexesha elikwisivumelwano. Nje ukuba kubekho
ingxaki ngedebhit oda, lulele kuwe uxanduva lokwenza ezinye iindlela zokuhlawula instolmenti phambi komhla ehlawulwa ngawo ukuphepha imalinzala esisohlwayo okanye iindleko zezomthetho ezisebenzayo kule akhawunti.


6. AMALUNGELO E-CAPFIN OKUPHELISA ISIVUMELWANO

Ukuba uyasilela ukwenza nayiphi na intlawulo, uyavuma ukuba iCAPFIN ingasibanga sonke isixamali osityalayo ngokwesivumelwano sakho (esiquka, ngaphandle kwesinyino, izixamali zemalimboleko, imzalinzala yeearitezi nazo naziphi na ezinye iimali ozityalayo zemalimboleko). Kwezi meko, iCAPFIN inganyanzela isivumelwano ngokuthatha la manyathelo alandelayo:

6.1 I-CAPFIN ingakwazisa ngembalelwano okanye ngeSMS ukuba uyasilela ukuhlawula kwaye ikucebise ukuba usidluliselele kumcebisi ngamatyala, okanye kwiarhente yokusombulula iimbambano, kwinkundla yeeakhawunti okanye kuombhutsimani onamagunya ukusombulula nayiphi na imbambano phantsi kwesivumelwano okanye uvumelane ngesicwangciso sokuhlawula ukuze ungabisemva ngentlawulo.

6.2 Ukuba uye wasilela ukuhlawula kangangeentsuku zokusebenza ezingama-20 kwaye noko sele kuphele iintsuku ezi-10 ukusukela oko iCAPFIN yakuthumela isaziso njengoko
kuchaziwe ku-6 kwaye awukhange usiphendule isaziso, okanye uphendule ngokusikhaba isindululo seCAPFIN, iCAPFIN ingaya enkunldeni ukufumana isigunyaziso sokunyanzelisa isivumelwano.

6.3 Nanini na phambi kokuba iCAPFIN isirhoxise isivumelwano, ungakulungisa ukusilela kwakho ngokuthi uhlawule iCAPFIN zonke izixamali ekumele uzihlawule, zidibene neetshajizi ezivumelekileyo neendleko ezifanelekileyo zeCAPFIN zokunyanzelisa isivumelwano de kufike kwixesha olungisa ngalo ukusilela kwakho.

7. IISTEYTIMENTI

Uyavuma ukufumana isteytimenti seakhawunti yakho ngekota esiza kuthunyelwa kuwe ngeposi eqhelekileyo okanye ngeimeyili kwidilesi yeimeyili oyinikezileyo kwisivumelwano. I-CAPFIN iza, ngokwesicelo sakho, kunika isteytimenti esichaza zonke iitshajizi ezirhafaywayo, zonke iintlawulo ezenziweyo kunye nebhalansi oyityalayo.


8. UKUHLAWULA LONK’ ITYALA PHAMBI KWEXESHA

8.1 Uvumile koku kulandelayo:

8.1.1 Ukuqhagamshelana neCAPFIN ngokwesiqu ukufumana ikowuti yokuhlawula lonk’ ityala xa uthe wafuna ukulihlawula lonk’ ityala lemalimboleko yakho phambi kwexesha lalo. Uyavuma ukuba akukho mntu wesithathu uza kuvunyelwa ukuba akuhlawulele lonk’ ityala egameni lakho.

8.2 Unelungelo lokusiphelisa esi sivumelwano nanini na ngokukuyihlawula yonke ibhalansi yalo lonk’ ityala lemalimboleko phambi kwexesha elimiselweyo, uyazisile ungayazisanga iCAPFIN. Isixamali esifunekayo sokuyihlawula yonke iakhawunti yemalimboleko yiyo yonke ibhalansi engakahlawulwa yetyala lokuqala kunye neetshajizi zemalinzala ezingekahlawulwa neminye imirhumo ehlawulwayo ukuya kutsho kumhla wokulihlawula lonk’ ityala.

8.3 Uza kuhlawula kuphela isabelo sobuninzi bemalinzala kangangexesha ubuyithathe ngalo imali xa usihlawula sonke isixamali semalimboleko phambi kwexesha.

8.4 Nangona ulifumene ixabiso lokuyihlawula yonk’ imali kwiCAPFIN, usenoxanduva lokuqinisekisa ukuba zonke izixamali ekumele uzihlawule kwiCAPFIN (kuquka, ngaphandle kwezinyino, iintshajizi zemalinzala neendleko zolawulo) zihlawulwe zonke ngokupheleleyo.


9. UKUSILELA KWISIVUNELWANO SEMALIMBOLEKO

Ukuba awuthobeli ngokuphelelyo imigaqo emiselwe kwesi sivumelwano, wenza nantoni na yokungakwazi ukuhlawula, uyathinjwa, wenza nayo nayiphi na ingxelo okanye umelo
olungeyonyani, uyasilela ukuchaza nazo naziphi na iingcombolo ezinxulumene nesicelo semalimboleko okanye wenze nantoni na ephazamisa amalungelo eCAPFIN, iCAPFIN ingasibanga sonke isixamali osityalayo esiquka, ngaphandle kwesinyino, isixamali semalimboleko, imalinzala yeariyezi okanye nazo naziphi na ezinye iimali ozityala zemalimboleko. Kwezi meko amanyathelo enkqubo achazwe kwisi-6 ngasentla aza kusebenza.


10. IGUNYA LOMTHETHO

Ngokwecandelo 45 lomthetho iMagistrates’ Court Act 32 ka-1944, uyavume ke ngoko ukuba iCAPFIN ingaqalisa iinkqbo zezomthetho ezinento yokwenza nesi sivumelwano okanye neakhawunti yakho, kwiNkundla kaMantyi. Uyavuma ukuba singaqalisa ngeentshukumo nakwiyiphi na iNkundla kaManty, ngokwecandelo 28 lomthetho iMagistrates’ Court Act, unamagunya omthetho kunawe. Ukuba kufuneka siye enkundleni ngenxa yaso nasiphi na isizathu esinxulemene nesi sivumelwano, kuza kufuneka uvele phambi kweNkundla kaMantyi. Nangona kunjalo singawathatha nawaphi na amanyathelo nagkuwe nakweyiphi na inkundla enamagunya omthetho.


11. IINDLEKO ZOLAWULO LOKUSILELA NOKUKOLEKA

11.1 Nje ukuba ubekwiiariyezi kwii-instolmenti zakho zenyanga kwaye yakuthatha amanyathelo okunyanzelisa isivumelwano iCAPFIN ngokoMthetho, uza kubanoxanduva lokuhlawula
zonke iitsahjizi zolawulo neendleko zokukoleka ezenziwe yiCAPFIN okanye iarhente yayo yokukoleka, kuquka nekhomishini yokukoleka, iindleko zegqetha nezinye iindleko ezifanelekileyo ezenziwe yiCAPFIN okanye iarhente yayo yokukoleka, ekunyanzeleni esi sivumelwano (ezifana nokutsalelwa kwakho umnxeba nokubhalelwa kwakho iileta), ngokuhambelana nokunikwa nguMthetho.

11.2 I-CAPFIN ayisayi, okanye iarhente yayo yokukoleka izame ukukoleka naziphi na izixamali ezigqithileyo kwiindleko ezivumelekileyo ngokoMthetho, iMagistrate Court Act ongunombolo 32 ka-1944, iSupreme Court Act ongunombolo 59 ka-1959 okanye iDebt Collections Act ongunombolo 114 ka-1998.

12. IIDILESI

12.1 Ukhetha idilesi njengoko uyichazile kwisivumelwano njengedilesi oza kufumana kuyo inkonzo yamaxwebhu omthetho nezaziso.

12.2 Ukuba idilesi yakho iyatshintsha, unoxanduva lokwazisa iCAPFIN ngedilesi entsha ngembalelwano okanye ngomnxeba ngokukhawuleza.

12.3 Idilesi neenkcukacha zoqhagamshelwano ezikhethwe yiCAPFIN zimi ngolu hlobo, inombolo yomnxeba 087 354 0000 okanye SMS ‘IKHESHI’ ku-43679, idilesi yeposi PO Box 6507, PArow East, 7501 nedilesi yeofisi ku- 1 Industrie Street, Kuils River, 7580.

13. ISATIFIKETI

Isatifiketi esityikitywe ngumphathi weCAPFIN (ongadingi kuqinisekisa eso sikhundla) sakuba bubungqina obaneleyo bebhalansi oyityala phantsi kwemalimboleko nayo nayiphi na imimiselo yemalimboleko, ngaphandle kokuba kungqinwe ngenye indlela.

14. UKUNIKELA

I-CAPFIN inelungelo, nanini na ngaphandle kokukwazisa, yokunikela ngawo nawaphi na amalungelo kunye/okanye amabango enziwa kuwe ngumntu wesithathu okhethwe
yiCAPFIN. Ngokwamkela esi sivumelwano, uvuma ngaphandle kobhangiso nemiqathango kolo nikelo.

15. ISIVUMELWANO SISONKE

Imimiselo yesi sivumelwano yimimiselo ephelelyo yesivumelwano phakathi kwakho neCAPFIN kwaye akukho mimiselo namaqathango esisongezelelo engachazwanga, ngaphandle kokuba silungiswe ngoko-1.4 ngasentla.

16. ONOKUKUKHETHA KORHWEBO

Xa usenza isicelo semalimboleko kuCAPFIN, unelungelo lokucela ukuba ungabandakanywa kuyo nayiphi into kwezi zilandelayo:

16.1 Iimpembelelo zorhwebo ngomnxeba eyenziwa yiCAPFIN okanye egameni layo;

16.2 Urhwebo noluhlu lwabaxumi oluthengiswa okanye olusasazwa yiCAPFIN, ngokungaphandle kokufunwa nguMthetho;

16.3 Naluphi na usasazo lwenginginya yee-imeyili okanye iiSMS.

Uza kucelwa ukuba ulisebenzise eli lungelo ngexesha lenkqubo yokwenza isicelo. Okukhethayo kuza kuvela kwishedyuli yentlawulo eqhotyoshelwe kwesi sivumelwano. Unelungelo nanini na lokuqhagamshelana neCAPFIN uze ucele ukuba kulungiswe okukhethileyo.

17. IMVUME YEENGCOMBOLO ZOBUQU

17.1.1 Ukulungelelaniswa kweengcombolo zakho zobuqu (“PI”) yiCAPFIN, ziinkampani eziphantsi kweqela leCAPFIN, ziinkampani ezikwiqela lePepkor nawo nawaphi na amahlakani, amahlakani entengiso, iiarhente neesabhkhontraktha (ezisenokuba kumazwe angaphandle koMzantsi Afrika) phantsi kwemigaqo ziza kuzigcina ziyimfihlelo iingcombolo
ezinjalo.

17.1.2 Ukuqokelelwa kwe-PI yakho kweminye imithombo ukongeza kwiPI enayo iCAPFIN ngawe;

17.1.3 Iinkampani zeCAPFIN, iinkampani zeqela lePepkor kunye namahlakani ayo entengiso ezisebenzisa iPI yakho kwaye zixibelelana nawe ngokubhekiselele kwiimveliso,
iinkonzo, uphando nekukhethekileyo okunikelwayo unokuba nomdla kuko okanye ezinokuxabiseka kuwe (urhwebo).

17.2 Ukuba ukhetha ukukhutshelwa ecaleni kwimpembelelo yorhwebo olungqalileyo, kufuneka wazise iCAPFIN ngembalelwano okanye ubhalise ibhlok kwirejistri efanelekileyo
enyanzelekileyo iCAPFIN ukuba iyityumbe. I-CAPFIN iza kuqalisa ngalo naluphi na utshintsho olucelileyo ngokukhawuleza kangangoko kunokwenzeka.

18. UKUPHANDA NGAMATYALA NOKUNIK’ INGXELO

18.1 Uyayivumela iCAPFIN ukuba iphande ngamatyala akho kwaye iqinisekise iinkcukacha zakho nayo nayiphi na ikhredit bhuyuro, umbolekisi ngemali okanye umntu wesithathu kwaye inikezele ngePI yakho engendlela oyiphethe ngayo iakhawunti yakho.

a) iinkonzo zolawulo lomngcipheko lwamatyala (kuquka iikhredit bhuyuro); kunye/okanye

b) iiarhente zokuthintela ulwaphulomthetho.

18.2 I-CAPFIN ingadlulisela kwaye yabelane ngePI nangeengcombolo zakho ezimalunga nesicelo sakho semalimboleko, ukuphelisa nokungathobeli imimiselo nemiqathango kwezi khredit bhuyuro zilandelayo:

TransUnion Credit Bureau (Pty) Ltd

Umnxeba: 0861 482 482

I-imeyili: contactcentreadmin@transunion.co.za

Experian South Africa (Pty) Ltd

Umnxeba: 011 799 3400

I-imeyili: consumer@experian.co.za

Compuscan Information Technologies (Pty) Ltd

Umnxeba: 021 888 6000

I-imeyili: info@compuscan.co.za

XDS (Xpert Decision System)

Umnxeba: 011 645 9100

I-imeyili: info@xds.co.za


19. AMALUNGELO WAKHO

19.1 NgokweNCA unelungelo:

a) lokuqhagamshelana nekhredit bhuyuro;

b) lokuba kuchazwe ikhredit rekhodi yakho;

c) lokulungisa iingcombolo ezingachanekanga ngawe kwikhredit bhuyuro;

d) lokusombulula imbambano ngenye indlela yokusombulula iimbambano okanye ufake isikhalazo kwiNCR okanye wenze isicelo kwiNkundla yamaTyala yabaXumi kuZwelonke iNtaional Consumer Tribunal (“iNkundla yamaTyala”);

e) lokwenza isicelo kumcebisi ngamatyala ukuba ubhengezwe njengontyumpantyuimpeka ematyaleni ngokweNCA kwaye uxanduva lwakho lokuhlawula amatyala lulungiselelwe
ngokutsha.

19.2 Iinkcukacha zoqhagamshelwano zeNCR nezeNkundla yamaTyala zime ngolu hlobo:

NCR

Umnxeba: 0860 627 627

Ifeksi: 011 805 4905

Iwebhusayithi: www.ncr.org.za

National Consumer Tribunal

Umnxeba: 012 683 8140

Ifeksi: 012 663 5693

Iwebhusayithi: www.thenct.org.za


ISIBHENGEZO NOGUNYAZISO LOMENZISICELO

Mna, menzisicelo ndibhengeza kwaye ndivuma ukuba:

Iingcombolo endinikezele ngazo ngenjongo yokugqiba esi sivumelwano ziyinyani kwaye zichanekile;

Andikhenge ndithathe elinye ityala ngaphandle kwelo beselikhona ngexesha lokwenza isicelo sale malimboleko kwiCAPFIN;

I-CAPFIN ingongezelela isixamali esityalwayo, ezinxulumene neemalimboleko zam zangaphambili ezingekahlawulwa ngokupheleleyo, kwibhalansi yemalimboleko yam
entsha ize ilungiselele iintlawulo zam ngenyanga kwimalimboleko yam entsha ngokuhambelana nebhalansi yemallimboleko yam entsha;

Apho ii-instolmenti zitsalwa kwiakhawunti yebhanki yam, andinakuyifala iakhawunti yebhanki yam ngaphandle kokuba ndiyazisile Icapfin ngolo tshintsho kwaye Icapfin yavuma kwaye ndiza kuqinisekisa ukuba umvuzo wam uhlawulwa kwiakhawunti endiyichazileyo de ihlawulwe yonke imalimboleko (kuquka neetshajizi zolawulo neemalinzala);

NokweCandelo 72 (1) lomthetho iNational Credit Actndinokwaziswa ngesms;

Ndikuqhagamshelana neCAPFIN mna buqu ukufumana ikowuti yokuhlawula lonke ityala xa ndifuna ukulihlawula lonke ityala lemalimboleko phambi kokuphela kwexesha layo. Ndiyavuma ukuba umntu wesithathu akanandihlawulela lonke ityala lam lemalimboleko.

Ngokwamkela esi sivumelwano ndinika ICAPFIN imvume:

· yokuqhagamshelana nanaye nabani na ukukhangela ukuba iingcombolo endinekezele ngazo ukugqiba esi sivumelwano zichanekile na;

· yokufumana iinkcukacha nakubani na malunga nesimo zam sezemali neenkcukacha zebhanki, kuquka nekhredit rekhodi yam nembali yokuhlawula kwam;

· yokunikezela ngeengcombolo ezimalunga nale malimboleko nakubani na, kuquka nekhredit bhuyuro okanye iNational Loans Register;

· yokucha ikhredit rekhodi yam kumntu wesithathu nangembali yokuhlawula kwam;


Chaza iPI yam kwezi meko zilandelayo:

· apho iCAPFIN inyanzelekileyo ukuba yenza njalo

· apho kungomdla woluntu ukwazisa ngePI yam;

· apho khona olo lwaziso lucelwe ndim okanye ngemvume yam ebhaliweyo.