NCR Policy Zulu

ABAKWA-CAPFIN BAYIGATSHA LE-CENTURY CAPITAL (PTY) LTD.

IMIGOMO NEMIBANDELA (NCRCP74)

Nansi iMigomo kanye neMibandela yeSivumelwano Semalimboleko (ngokwesigaba 93(2) soMthetho Kazwelonke Wezikweletu onguNo. 34 wezi-2005 (“uMthetho”) yabakwa-CAPFIN, igatsha le-Century Capital (Pty) Ltd (“CAPFIN”). Le Migomo kanye neMibandela iyingxenye futhi kumele ifundwe kanyekanye nezwi eliqoshiwe leSitatimende Esandulela Isivumelwano Semalimboleko kanye Nesilinganiso Semali Ecelwayo kanye neSivumelwano Semalimboleko. Yonke into ebhekiswe “kwisivumelwano” lapha ngezansi izobe ichaza izwi eliqoshiwe leSitatimende Esandulela Isivumelwano Semalimboleko kanye Nesilinganiso Semali Ecelwayo kanye neSivumelwano Semalimboleko ndawonye nale Migomo kanye neMibandela.

1.ISINGENISO

1.1 Abakwa-CAPFIN babhalisiwe noMlawuli Kazwelonke Wezikweletu (“NCR”) futhi
bangaphansi koMthetho Kazwelonke Wezikweletu.

1.2 Uma ufisa ukufaka isikhalazo ungaxhumana ne-NCR ku-0860 627 627 noma
abakwa-CAPFIN ku-087 354 0000.

1.3 Isivumelwano siphothulwa uma abakwa-CAPFIN sebekwamukele lokho okubeka
etafuleni futhi besigunyaza isicelo sakho semalimboleko. Ukunikezelwa
kwemalimboleko kulele entandweni yabakwa-CAPFIN ngokuphelele.

1.4 Nanoma yisiphi isichibiyelo esenziwa esivumelwaneni sizoqala ukubophezela
ngokusemthethweni uma abakwa-CAPFIN sebekwazisile ngokukubhalela incwadi
ngaleso sichibiyelo.

2. UHLELO LOKUKHOKHA

Uhlelo lokukhokha olufakwe kule Migomo kanye neMibandela luveza obala ulwazi oluhlobene nenani lemalimboleko eyamukelwe futhi egunyaziwe futhi-ke kufanele lufundwe njengengxenye yalesi sivumelwano.

3. ISILINGANISO SENZALO KANYE NEZINHLAWULO

3.1 Isilinganiso senzalo asiguquki kuze kuphele isikhathi sesivumelwano futhi sibalwa maqondana nemali esele nsukuzonke bese siyaguqulwa njalo ngenyanga (sengezwe emalini esilele yemalimboleko) ngosuku lokugcina lwenyanga.

3.2 Esimweni lapho kuba khona inani elisilele emuva kwi-akhawunti yakho ngenxa yokungakhokhi noma ukukhokha ngemuva kwesikhathi, isilinganiso senzalo esisebenza kulelo nani elisilele ngemuva ngeke seqe isilinganiso senzalo esiphezulu esisebenza esivumelwaneni sakho ngaphansi kwe-NCA.

3.3 Uma kwenzeka abakwa-CAPFIN beshintsha isilinganiso senzalo, inani lezinhlawulo noma izinkokhelo ezisebenzayo kwi-akhawunti yakho noma ukuphindaphindwa noma
isikhathi sokukhokhwa kwenhlawulo yesikweletu noma inkokhelo njengoba kuhlinzekelwe kwi-NCA, abakwa-CAPFIN bazokwazisa ngokukubhalela nge-SMS ngezinguquko ezihlongozwayo okungenani ezinsukwini zokusebenza ezi-5 ngaphambi kokuba lolo shintsho luqaliswe ukusebenza.

3.4 Abakwa-CAPFIN banemvume (ngokukunikeza isaziso noma ngaphandle kwesaziso kuwena) yokuyekelela ilungelo labo engxenyeni yanoma yiziphi izinhlawulo zokuvula isikweletu okumele zikhokhwe nokufanele zikhokhwe maqondana nezimalimboleko ezintsha lapho kunikezelwa ngezimalimboleko ezintsha emikhakheni ethile yabathengi (leyo mikhakha ezonqunywa ngabakwa-CAPFIN ngokuzithandela nangentando yabo kuphela okungenzeka kubandakanye nabathengi abakhona kakade). Nanoma yikuphi ukuyekelela kwabakwa-CAPFIN amalungelo abo okubiza inhlawulo yokuvula isikweletu ephelele akuzoshintsha noma kuchibiyele isimo salesi sivumelwano sesikweletu.

4. ISIDALULO ESANDULELA ISIVUMELWANO

4.1 Unelungelo lokubambezela ukuphothula lesi sivumelwano ngezinsuku zokusebenza ezi-5 ukuze uzocubungulisisa imibandela yesivumelwano.

4.2 Uma unquma, esikhathini sezinsuku eziyi-5 ezibekwe ngenhla, ukuphothula isivumelwano esihlongoziwe, isivumelwano sizokuba sisenemibandela efanayo (futhi sizokuba sisenesilinganiso senzalo esifanayo noma ngaphansi kanye nezindleko) njengoba bekudingidiwe engxoxweni yakho yocingo kanye nesikhungo sethu sezingcingo.

4.3 Inzalo izobizwa kusukela ngosuku imali ekhokhelwa ngalo kuwena ngabakwa-CAPFIN hhayi ngosuku owenza ngalo isinqumo sokuphothula isivumelwano semalimboleko engxoxweni yocingo kanye nesikhungo sethu sezingcingo.

5. INKOKHELO

5.1 Uma inani lemalimboleko selikhokhiwe kwi-akhawunti yakho yasebhange, uzokuba nomthwalo wokukhokha isamba esiphelele senani njengoba kuveziwe esivumelwaneni (ukuthi inani lemalimboleko ndawonye nenzalo kanye nazo zonke ezinye izinhlawulo ezinjengezindleko zokwenziwa komsebenzi).

5.2 Uzoveza ukudonswa kwemali ebhange maqondana nanoma yiliphi inani lemali okumele likhokhwe ngaphansi kwalesi sivumelwano futhi uyavuma kulokhu okulandelayo:-

5.2.1 Abakwa-CAPFIN bazophakamisa uhlelo lokudonsa imali kwi-akhawunti yakho yasebhange ukuze bezoqoqa izitolimende zakho ngosuku lwesitolimende noma ngolunye usuku umqashi wakho akufakela ngalo umholo wakho;

5.2.2 Lapho usuku lwakho lwesitolimende lungosuku olulandela iholidi, abakwa-CAPFIN bazodonsa imali ebhange ngosuku lokusebenza olwandulela lelo;

5.2.3 Lapho usuku lwakho lwesitolimende lungosuku lokugcina lwenyanga, abakwa-CAPFIN bazodonsa imali ebhange ngosuku olwandulela lelo lokugcina lwaleyo nyanga;

5.2.4 Lapho usuku lwakho lwesitolimende lungosuku lokuqala lwenyanga, abakwa-CAPFIN bazodonsa imali ebhange ngosuku lwama-30 lwenyanga edlule;

5.2.5 Imiyalelo yezinkokhelo okumele zikhokhwe ngoDisemba kungenzeka zidonswe kwi-akhawunti yakho ngoLwesihlanu olwandulela umhla ziyi-14 kuDisemba, ngaphandle-ke uma
kuvunyelwene phakathi kwezinhlangothi zombili;

5.2.6 Sicela UQAPHELE lapho nanoma yiziphi kulezi zitolimende ziwela kwimpelasonto, uMsombuluko noma iholidi, abakwa-CAPFIN bazodonsa imali ebhange ngosuku lokusebenza olwandulela lelo;

5.2.7 Ireferensi ezovela esitatimendeni sakho sasebhange kukhona konke ukudonswa kwemali ngabakwa-CAPFIN izobhalwa ngokuthi CAPFIN;

5.2.8 Uma kunemali enganele ukuba kudonswe isitolimende sakho, abakwa-CAPFIN bazokuba nelungelo lokulandelela i-akhawunti yakho bese befaka umyalelo wokuthi kwenziwe
inkokhelo ngokuphazima kweso ngemuva kokuba sekukhona imali eyanele kwi-akhawunti yakho.

5.3 Uma kwenzeka i-akhawunti yakho iba nemali esilele emuva okumele ikhokhwe, uzovumela ukudonswa kwemali maqondana nanoma yiliphi inani okumele likhokhwe ngaphansi kwesivumelwano futhi uvume kule mibandela elandelayo eyengeziwe:

5.3.1 Lapho usuku lwakho lwesitolimende luphakathi komhla zimbili kuya mhla ziyi-14, abakwa-CAPFIN bazodonsa imali ebhange ngomhla zingama-25 enyangeni edlule;

5.3.2 Lapho isitolimende sakho simhla ziyi-15, zingama-23, nama-24, abakwa-CAPFIN bazodonsa imali ebhange ngosuku lokusebenza olwandulela lezo zinsuku;

5.3.3 Lapho usuku lwakho lwesitolimende luphakathi komhla zingama-25 namhla lulunye, abakwa-CAPFIN bazodonsa imali ebhange mhla zingama-23 enyangeni;

5.3.4 Imiyalelo yezinkokhelo okumele zikhokhwe ngoDisemba kungenzeka zidonswe kwi-akhawunti yakho ngoLwesihlanu olulandela umhla zizi-4 kuDisemba, ngaphandle-ke uma kuvunyelwene phakathi kwezinhlangothi zombili;

5.3.5 Sicela UQAPHELE lapho nanoma yiziphi kulezi zitolimende ziwela kwimpelasonto, uMsombuluko noma iholidi, abakwa-CAPFIN bazodonsa imali ebhange ngosuku lokusebenza olwandulela lelo.

5.4 Ulindeleke ukuba ukhokhe inani okuvunyelwene ngalo ngokuphelele ngezitolimende zenyanga usebenzisa ukudonselwa imali ibhange isikhathi esichazwe esivumelwaneni ngosuku lomnqamlajuqu. Uma kwenzeka kuba nenkinga ngokudonswa kwemali, sekulele kuwena ukuba wenze ezinye izinhlelo zokukhokha ngaphambi kosuku lomnqamlajuqu wesitolimende ukuze uvimbele ukukhokhiswa izinhlawulo noma izindleko zezomthetho ukuba zifakwe kwi-akhawunti yakho.

6. ILUNGELO LABAKWA-CAPFIN LOKUNQAMULA ISIVUMELWANO

Uma uhluleka ukwenza nanoma iyiphi inkokhelo ngesikhathi, uyavuma ukuthi abakwa-CAPFIN bangafuna inkokhelo yenani eliphelele ngokushesha kuwena olikweletayo ngokwesivumelwano (okubandakanya, ngaphandle kwemikhawulo, amanani emalimboleko, inzalo yemali esilele, kanye nanoma yiziphi ezinye izinhlawulo ozikweletayo enanini lemalimboleko elisele). Kulezi zimo, abakwa-CAPFIN bangaqinisa isivumelwano ngokuthatha lezi zinyathelo ezilandelayo:

6.1 Abakwa-CAPFIN bangakweluleka ngokukubhalela incwadi noma ngendlela ye-SMS ngokuthi usilele emuva bese bephakamisa ukuba udlulisele isivumelwano kumeluleki wezikweletu, kwelinye inxusa elixazulula izingxabano, enkantolo yabathengi noma kumxazululi onemvume ukuze kuxazululwe nanoma iyiphi ingxabano ngaphansi kwesivumelwano noma kuvunyelwane ngecebo lokufinyelelisa izinkokhelo lapho kumele zibe khona.

6.2 Uma usilele emuva okungenani ngezinsuku ezingama-20 zokusebenza futhi sekuphele okungenani izinsuku eziyi-10 zokusebenza kusukela abakwa-CAPFIN bekuthumelele isaziso njengoba kuveziwe ku-6 futhi ungakaphenduli kuleso saziso, noma usuphendule ngokuchitha iziphakamiso ezenziwe ngabakwa-CAPFIN, abakwa-CAPFIN bangaya enkantolo ukuyocela imvume yokuqinisa isivumelwano.

6.3 Noma kunini ngaphambi kokuba abakwa-CAPFIN basule isivumelwano, ungalungisa isikweletu sakho esisilele ngemuva ngokukhokhela abakwa-CAPFIN wonke amanani aseqiwe isikhathi, ndawonye nezinhlawulo zabakwa-CAPFIN ezivumelekile zokusilela ngemuva kanye nezindleko ezifanelekile zokuqinisa isivumelwano kuze kufike isikhathi lapho ulungisa khona isikweletu sakho esisilele ngemuva.

7. IZITATIMENDE

Uyavuma ukuthola isitatimende ngekota se-akhawunti esizothunyelwa kuwena ngendlela ejwayelekile yeposi noma nge-imeyili ekhelini elihlinzekwe kuwena kulesi sivumelwano. Abakwa-CAPFIN, uma ucelile, bazokuhlinzeka ngesitatimende esiveza zonke izinhlawulo ezifakiwe, zonke izinkokhelo esezenziwe kanye nemali esasele ngemuva.

8. UKUKHOKHA SONKE ISIKWELETU NGAPHAMBI KWESIKHATHI

8.1 Uyavuma kulokhu okulandelayo:

8.1.1 Ukuxhumana nabakwa-CAPFIN siqu sakho ukuze uthole isilinganiso semali yokuvala isikweletu esimweni lapho ufuna ukukhokhela yonke imalimboleko yakho ngaphambi kokuphela kwethemu yayo. Uyakwamukela ukuthi akekho omunye umuntu ngaphandle kwakho ozovunyelwa ukukhokhela ukukhokhela yonke imalimboleko yakho egameni lakho.

8.2 Unelungelo lokuqeda lesi sivumelwano noma yinini ngokukhokha yonke imali esele kwimalimboleko ngaphambi kohlelo lwezinkokhelo nganoma yisiphi isikhathi, ngokufaka noma ukungafaki isaziso ngaphambi kwesikhathi nabakwa-CAPFIN. Inani elidingekayo ukukhokhela sonke isamba senani lemalimboleko yisamba semali engakakhokhwa sesikweletu esiyinhloko kanye nezinhlawulo zenzalo ezingakakhokhwa kanye nezinye izinkokhelo kanye nezinhlawulo okumele zikhokhwe kuze kufike usuku lokuqeda isikweletu.

8.3 Uzokhokha kuphela ingxenye yenzalo yesikhathi oyithathe ngaso imali uma ukhokha lonke inani lemalimboleko ngaphambi kohlelo lokukhokha.

8.4 Yize uthole inani lokuqeda sonke isikweletu kwabakwa-CAPFIN, kusewumthwalo wakho ukwenza isiqiniseko sokuthi wonke amanani ezimali okumele uwakhokhele abakwa-CAPFIN (kubandakanya ngaphadle kwemikhawulo, izinhlawulo zenzalo kanye nezindleko zokwenziwa komsebenzi) akhokhiwe ngokugcwele.

9. UKUPHAMBUKA ESIVUMELWANENI SEMALIMBOLEKO

Uma ungahambisani ncimishi nemithetho evezwe kulesi sivumelwano, wenza noma yisiphi isenzo sokushona emalini, umukwa impahla okwesikhashana, wenza nanoma yiziphi
izitatimende ezingelona iqiniso kanye nokumeleleka, uhluleka ukudalula nanoma yiluphi ulwazi olusemqoka esicelweni semalimboleko, noma wenze noma yini engabeka amalungelo abakwa-CAPFIN engcupheni, abakwa-CAPFIN ngaphandle kokulimaza nanoma yiliphi elinye ilungelo elingaqongeleleka kwabaka-CAPFIN, bangafuna inani eliphelele olikweletayo elibandakanya, ngaphandle kwemikhawulo, inani lemalimboleko, inzalo yemali esilele, kanye nanoma yiziphi ezinye izinhlawulo ozikweletayo enanini lemalimboleko elisele). Kulezi zimo, izinyathelo zenqubo ezivezwe ku-6 ngenhla zizosebenza ngokuqinile.

10. AMANDLA ESIKHUNDLA

Ngokwesigaba sama-45 soMthetho Wenkantolo Kamantshi, wama-32 ka-1944, uyavuma lapha ukuthi abakwa-CAPFIN bangathatha nanoma yiziphi izinqubo zomthetho eziphathelene
nalesi sivumelwano noma i-akhawunti yakho, eNkantolo Kamantshi. Uyavuma ukuthi singafaka icala kunoma iyiphi iNkantolo Kamantshi, ngokwesigaba sama-28 soMthetho Wenkantolo Kamantshi, enamandla esikhundla ngaphezu kwakho. Uma kumele siye enkantolo nganoma yisiphi isizathu esihlobene nalesi sivumelwano, kuyomele uzovela eNkantolo Kamantshi. Nakuba kunjalo singakhetha ukufaka icala ngawe kunoma iyiphi inkantolo enandla esikhundla.

11. UKUPHATHWA KOMSEBENZI WOKUSILELA NGEMUVA KANYE NEZINDLEKO ZOKUQOQWA KWEMALI

11.1 Uma kwenzeka usilela emuva ngezitolimende zakho zenyanga futhi uma kwenzeka abakwa-CAPFIN bethatha izinyathelo zokuqinisa isivumelwano ngokoMthetho, uzokuba necala lokukhokhela zonke izinhlawulo zokuphathwa komsebenzi wokusilela ngemuva kanye nezindlleko zokuqoqwa kwezimali ezidalwe ngabakwa-CAPFIN noma inxusa labo eliqokiwe lokuqoqa izimali, kubandakanya namakhomishini okuqoqa izimali, izindleko zommeli kanye nezinye izindleko ezifanelekile ezidalwe ngabakwa-CAPFIN noma inxusa labo eliqokiwe lokuqoqa izimali, ekuqiniseni lesi sivumelwano (ezinjengokushaywa kwezingcingo kanye nokubhalwa kwezincwadi eziza kuwena), kuncike ezimisweni zoMthetho.

11.2 Abakwa-CAPFIN abasoze noma inxusa labo eliqokiwe lokuqoqa izimali bazame ukuqoqa nanoma yimaphi amanani ezindleko edlula izindleko ezivumelekile ngokoMthetho, uMthetho Wenkantolo Kamantshi onguNombolo 32 ka-1944, uMthetho Wenkantolo Ephakeme onguNombolo 59 ka-1959 noma uMthetho Wabaqoqi Bezikweletu onguNombolo 114 ka-1998.

12. AMAKHELI

12.1 Ukhetha ikheli njengoba liveziwe esivumelwaneni njengekheli ozokwamukela kulona izinsizakalo zezincwadi zomthetho kanye nezaziso.

12.2 Uma unoshintsho lwekheli, kuwumthwalo wakho ukwazisa abakwa-CAPFIN ikheli lakho elisha ngokubabhalela noma ngokushaya ucingo ngokushesha okukhulu.

12.3 Ikheli elikhethwe ngabakwa-CAPFIN kanye nemininingwane yokuxhumana ngazo zonke izinhloso ezingaphansi kwalesi sivumelwano imi kanje: inombolo yocingo 087 354
0000 noma uthumele igama elithi ‘CASH’ ku-43679, ikheli leposi PO Box 6507, Parow East, 7501 kanti ikheli lendawo yokuhlala liku 1 Industrie Street, Kuils River, 7580.

13. ISITIFIKETI

Isitifiketi esisayindwe ngumphathi wakwa-CAPFIN (okungadingekile ukuba afakazele lokho kuqashwa), sizokuba ngubufakazi obanele bemali esele ngaphansi kwemalimboleko
kanye nanoma yimiphi eminye imibandela yemalimboleko, ngaphandle uma kuchazwe ngenye indlela.

14. UKUYEKELELA

Abakwa-CAPFIN bagodla ilungelo, nganoma yisiphi isikhathi futhi ngaphandle kokukunikeza isaziso, lokuyekelela nanoma yiliphi noma wonke amalungelo abo ezicelweni
zenkokhelo okumele zikhokhwe nguwena bazidlulisele komunye umuntu oqokwe ngabakwa-CAPFIN. Ngokwamukela lesi sivumelwano, ulapha ukuvuma ngokungenakuguqulwa nangokungenamibandela kulokho kuyekelelwa.

15. ISIVUMELWANO ESIPHELELE

Imibandela yalesi sivumelwano iyimibandela ephelele negcwele yesivumelwano esiphakathi kwakho kanye nabakwa-CAPFIN futhi ayikho enye imibandela kanye nemigomo
eyengeziwe engakhulunywanga noma engaqondiswanga, ngaphandle uma ichitshiyelwe yisivumelwano futhi ngokuka-14 ngenhla.

16. INDLELA YOKUTHENGISA

Uma ufaka isicelo semalimboleko kwabakwa-CAPFIN, unelungelo lokucela ukuba ungafakwa kunoma yikuphi noma kukho konke okulandelayo:

16.1 Imikhankaso yokuthengisa ngocingo eyenziwa ngabakwa-CAPFIN noma egameni labo;

16.2 Ukuthengisa kanye nohlu lwabathengi oluthengiswa noma olusatshalaliswa ngabakwa-CAPFIN, ngaphandle kwalokho okudingwa nguMthetho;

16.3 Nanoma yikuphi ukusatshalaliswa ngobuningi kwama-imeyili noma imiyalezo ye-SMS.

Uzocelwa ukuba ulisebenzise leli lungelo ngesikhathi senqubo yokufaka isicelo semalimboleko. Izindlela ozikhethayo zizovela ohlelweni lokukhokha olufakwe kulesi sivumelwano. Unelungelo nganoma yisiphi isikhathi ukuxhumana nabakwa-CAPFIN bese ucela ukuthi izindlela ozikhethile wena siqu zichitshiyelwe.

17. IMVUME YOLWAZI OLUQONDENE NOMUNTU SIQU

17.1 Uyavuma kulokhu:

17.1.1 Ukucutshungulwa kolwazi lwakho oluqondene nawe siqu (“PI”) ngabakwa-CAPFIN, izinkamapni eziseqoqweni labakwa-CAPFIN, izinkampani eziseqoqweni lakwa-Pepkor
kanye nanoma yibaphi abasebenzeli bazo, abalingani okusetshenziswana nabo kwezentengiselwano, amanxusa kanye nosonkontileka abangaphansi kwabanye (okungenzeka ukuthi bangaphandle kwaseNingizimu Afrika) inqobo nje uma bezogcina lolo lwazi luyimfihlo;

17.1.2 Ukuqoqwa kwe-PI yakho kunoma yimiphi eminye imithombo ukuze kwengezwe kwi-PI abakwa-CAPFIN abanayo ngawe;

17.1.3 Izinkampani eziseqoqweni labakwa-CAPFIN, izinkampani eziseqoqweni lakwa-Pepkor kanye nabalingani bazo bezentengiselwano abasebenzisa i-PI yakho futhi
baxhumane nawe maqondana nemikhiqizo, izinsizakalo, ucwaningo kanye nezithembiso ezikhethekile okungenzeka ube nogqozi kuzona noma zibe yigugu kuwena (ukuthengisa).

17.2 Uma ukhetha ukungafakwa emikhankasweni yokuthengisa okuqondile, kufanele weluleke abakwa-CAPFIN ngokubhalwe phansi noma ubhalise isivimbelo kwirejista
efanelekile abakwa-CAPFIN abaphoqwe ngumthetho ukuba bayibone futhi bayazise. Abakwa-CAPFIN ngeke bakuhlawulise ngokuvuselela lesi sicelo ezinhlelweni zabo. Abakwa-CAPFIN bazoqalisa ukusebenza kwanoma yiziphi izinguquko ezicelwe nguwena ngokuphazima kweso.

18. UPHENYO LWEZIKWELETU KANYE NOKUBIKA

18.1 Uyabavumela abakwa-CAPFIN ukuba benze uphenyo lwezikweletu ngawe futhi baqinisekise imininingwane yakho nanoma yisiphi isikhungo sezikweletu, umhlinzeki wezikweletu noma umuntu wangaphandle futhi bahlinzeke nge-PI yakho kubandakanya nendlela oyiphatha ngayo i-akhawunti yakho:

a) kwizinsizakalo zokuphathwa kobungozi bezikweletu (kubandakanya nesikhungo sezikweletu); kanye/noma

b) izikhungo zokuvimbela ubugebengu.

18.2 Abakwa-CAPFIN bangadlulisa futhi babelane nge-PI yakho kanye nolwazi ngesicelo sakho semalimboleko, ukuqedwa kanye nokungahambisani nale migomo kanye nemibandela kulezi zikhungo zezikweletu ezilandelayo:

TransUnion Credit Bureau (Pty) Ltd

Ucingo: 0861482482

I-imeyili:
contactcentreadmin@transunion.co.za

Experian South Africa (Pty) Ltd

Ucingo: 0117993400

I-imeyili:
consumer@experian.co.za

Compuscan Information Technologies (Pty) Ltd

Ucingo: 0218886000

I-imeyili:
info@compuscan.co.za

XDS (Xpert Decision System)

Ucingo: 0116459100

I-imeyili: info@xds.co.za


19. AMALUNGELO AKHO

19.1 Ngokwe-NCA unelungelo lokwenza lokhu:

a) ukuxhumana nesikhungo sezikweletu;

b) ukuvumela ukuba kudalulwe irekhodi lakho lezikweletu;

c) ukulungisa ulwazi olungelona iqiniso olubhalwe esikhungweni sezikweletu;

d) ukuxazulula isikhalazo ngokusebenzisa enye indlela yokuxazulula ingxabano noma ufake isikhalazo ne-NCR noma ufake isicelo kwi-National Consumer Tribunal (“the Tribunal”);

e) ukufaka isicelo kumeluleki wezikweletu ukuba udalulwe njengomuntu osecwile ezikweletwini ngokwe-NCA kanye nokwenza izibopho zakho zezikweletu zihlelwe kabusha.

19.2 Imininingwane yokuxhumana ye-NCR kanye ne-Tribunal imi kanje:

NCR

Ucingo: 0860 627 627

Ifeksi: 011 805 4905

I-imeyili: complaints@ncr.org.za

Iwebhusayithi:
www.ncr.org.za

National Consumer Tribunal

Ucingo: 012 683 8140

Ifeksi: 012 663 5693

Iwebhusayithi:
www.thenct.org.za


ISIDALULO KANYE NESIGUNYAZO ESENZIWA NGUMFAKISICELO

Mina, umfakisicelo ngiyadalula futhi ngiyavuma ukuthi:

Ulwazi engiluhlinzekile ngezinhloso zokuphothula lesi sivumelwano luyiqiniso futhi luyilonalona;

Angithathanga esinye isikweletu ngaphandle kwaleso ebesivele sikhona kakade ngesikhathi ngifaka isicelo sale malimboleko kwabaka-CAPFIN;

Abakwa-CAPFIN bangangeza amanani asele, aqondene nezimalimboleko zami zangaphambilini angakhokhelwanga, enanini elisele lemalimboleko yami entsha bese beguqula
izinkokhelo zami zanyangazonke eziqondene nemalimboleko yami entsha ngokuhambelana nemali esele kwimalimboleko yami entsha.

Lapho izitolimende zidonswa kwi-akhawunti yami yasebhange, ngeke ngikwazi ukuvala i-akhawunti yasebhange ngaphandle uma ngibazisile abakwa-CAPFIN ngaloku shintsho futhi abakwa-CAPFIN bevumelene nalo futhi ngizoqinisekisa ukuthi umholo wami ungena kwi-akhawunti ekhonjisiwe kuze kube imalimboleko yonke (ndawonye kanye nazo zonke izinhlawulo zokuphathwa komsebenzi kanye nenzalo) isikhokhelwe;

Isaziso ngokweSigaba 72(1) soMthetho Kazwelonke Wezikweletu singanikezelwa kumina ngendlela ye-sms;

Ngizoxhumana mina ngokwami nabakwa-CAPFIN ukuthola isilinganiso semali yokuvala isikweletu esimweni lapho ngifuna ukukhokhela imalimboleko yami ngokuphelele ngaphambi
kokuphela kwethemu yayo. Ngiyakwamukela ukuthi umuntu wangaphanle ngeke akwazi ukukhokhela ngokugcwele imalimboleko yami egameni lami.

Ngokwamukela lesi sivumelwano nginikeza abakwa-CAPFIN imvume yokwenza lokhu:

· Ukuxhumana nanoma ubani ukubheka ukuthi ulwazi engiluhlinzeke ngezinhloso zokuphothula lesi sivumelwano luyilonalona;

· Ukuthola imininingwane kunoma yiluphi uhlangothi mayelana nesimo sami sezezimali kanye nemininingwane yokubhanga kubandakanya nerekhodi lami lezikweletu kanye nomlando wami wokukhokha;

· Ukunikeza ngolwazi mayelana nale malimboleko kunoma yiluphi hlangothi, kubandakanya nanoma yisiphi isikhungo sezikweletu noma iRejista Kazwelonke Yezimalimboleko;

· Ukudalula kumuntu wangaphandle irekhodi lami lezikweletu kanye nomlando wami wokukhokha;

Ukudalula i-PI yami ezimweni ezilandelayo:

· lapho abakwa-CAPFIN bephoqelekile ngokomthetho ukwenza lokho;

· lapho kuzosiza khona umphakathi ukudalula i-PI yami;

· lapho isidalulo senziwe ngokucela kwami noma ngemvume yami ebhalwe phansi.