Njengoko sikwiintsuku zeziyolo zokuphela konyaka, uninzi lwabantu boMzantsi Afrika bathe bhazalala ezivenkileni bethenga iimpahla nezimuncumuncu ngemali abangenayo.
Oku kuzeyelisela ematyaleni ngethemba lokuwahlawula kunyaka olandelayo, kubeka amakhaya amaninzi ngaphantsi koxinzelelo njengoko minyaka le-Unyaka Omtsha ufika nokuxhoma kwamaxabiso okutya, okukhwela izithuthu, imali yesikolo, umbane, amafutha ezithuthi ne paraffin, kunye nezinye iindleko zemihla ngemihla esetyenziswa kuzo imali.
Ubume bobu bunzima bokuntyumpa-ntyumpeka ematyaleni buqulathwe kwi-Consumer Credit Market Report yakutsha nje nekhutshwa minyaka le yiNational Credit Regulator. Le ngxelo izoba umfanekiso wobungakanani bemali ekwenziwe ngayo izikweliti ezweni lonke jikelele, kunye neenkcukacha zabakwelitisayo nabakwelitayo.
Ukuzokuthi ga kwinyanga yeDwarha, le ngxelo ibonisa okokuba malunga ne-20 yezigidi okanye 19.7% yabathengi, basilela emva ngeenyanga ezintathu nangaphezulu ukuhlawula izavenge zamatyala abo.
Ukanti malunga ne 12.9% yabathengi, sekuphele unyaka bengawahlawuli amatyala abo, logama malunga ne 14.3% yabathengi benezigwebo zeenkundla zomthetho emagameni abo ngenxa yokungahlawuli izikweliti. Bakwalinganiselelwa ngaphaya kwe 594 770 abantu abafumana ulweluleko lokuhlenga-hlengiswa kohlobo lokuphathwa kwezimali olwaziwa nge debt administration ukusukela oko kwaqaliswa ngale nkqubo ngonyaka ka2007.
Ubuzaza bale meko abubangwa bubuxelegu bokudyakraza ukusebenzisa imali kwizinto zekrisimesi ezingengondoqo nje kuphela, koko kuthwaxa nabanomnonophela ekusebenziseni imali ngenxa yokwenyuka kwenani labantu abadendwayo nabaswele imisebenzi.
Kungoko eli nqaku licebisa bonke abantu abangabathengi okokuba baye kwicredit bureau bayokuzifumanela ingxelo yasimahla yobume bezikweliti zabo ukuze baqinisekise okokuba iinkcukacha zabo ezigcinwe ngala maziko zizezichanekileyo (kuquka amagama, iinombolo zomnxema, nedilesi; iinombolo ze ID; amatyala adwelisiweyo nengxelo yokuhlawulwa kwawo. Ukufumana nokuhlolisisa le ngxelo kunganceda ukulungisa iziphene ezikhokelela kwimpazamo yokubhalwa kwegama lomntu encwadini emnyama enamagama aboyisakalayo kukuhlawula amatyala abo, nto leyo engakhokelela ekusokoleni xa ubani efuna ukwenza isikweliti esibalulekileyo okanye efuna umsebenzi. Kaloku kuyenzeka ngamanye amaxesha kubhidaniswe iinkcukacha okanye kufane iinombolo ze-ID, okanye kwenzeke ubuqhophololo bokubiwa kwe-ID kuvulwe amatyala egameni lakho ungazi, nto leyo engakhokelela ekubeni ingxelo yakho egcinwe yicredit bureau ibonise uluhlu lwamatyala angahlawulelwayo obungawazi wena. Ukunqanda oku kubalulekile okokuba umntu ngamnye azi aphinde enze oku:
AMALUNGELO AKHO NGOKUPHATHELELE KWI CREDIT BUREAU:
– ukuxelelwa okokuba kukho umkwelitisi ofuna ukubhalisa ingxelo eyenyelisayo egameni lakho nokokuba uneentsuku eziyi 20 zokulungisa oko nomkwelitisi ngaphambi kokuba ibhaliswe leyo ngxelo;
– ukufumana ingxelo yakho kwi credit bureau xa uyifuna – ingxelo enye ngonyaka ifumaneka simahla ukuze uhlawuliswe imali engephi xa ufuna ingxelo yesibini kwakulo nyaka;
– ukuphikisa okubhalwe egameni lakho xa ungonelisekanga;
– ukuba ingxelo yakho igcinwe iyimfihlo, nokuba isetyenziselwe kuphela izinto ezivunywe ngumthetho.
UNGASIFAKA KANJANI ISICELO SENGXELO YAKHO YASIMAHLA?
Qhagamshelana ne credit bureaux ubacele bakuthumelele ingxelo yakho; Transunion 0861 482 482; Experian 0861 105 665.
Kuye kufuneke okokuba ubanike iinkcukacha ezithile ngawe ezifana neenombolo ze ID kunye nedilesi.
UNGAYILUNGISA NJANI INGXELO YAKHO?
Ukuba kukho ongavumelaniyo nako okubhalwe egameni lakho, ungathumela izilungiso kungaphelanga iintsuku eziyi 30.
– ngeli thuba uvumelekile ukufumana enye ingxelo yasimahla ukuqinisekisisa okokuba izilungiso zenziwe. Emva kweli thuba leentsuku eziyi 30 uhlawuliswa imalana engephi ukufumana ingxelo yesibini.
– qhagamshelana nabe credit bureaux ucele i-form yokuphikisa iinkcukacha ezikwingxelo esegameni lakho. Bakuthumelela le form kunye ne reference number;
– gcwalisa le form uyibuyisele kubo kunye nephepha eline ID yakho; bandakanya ubungqina ngeenkcukacha ofuna zilungiswe, obungaquka isiqinisekiso sentlawulo yesikweliti;
– banqonqozise okokuba balungise iinkcukacha ezenyelisayo egameni lakho kuba basikelwe iintsuku eziyi 20 ngumthetho okokuba baphande ze benze izilungiso ezo;
– cela kubo ingxelo yesibini ukuqinisekisisa okokuba izilungiso zenziwe;
– ukuba awonelisekanga luhlobo abachophele ngayo isikhalazo sakho, ungaqhakamshelana neCredit Bureau Association 011-4477194 okanye enquiries@cba.co.za OKANYE ne National Credit Regulator 0860 627627 okanye complaints@ncr.org.za
Kukhalinyelwa ukubiwa kwezandla zikaBiko engcwabeni lakhe!