Yazisa ibhange uma usuqede isikweletu esinomshwalense
EZABATHENGI
EMASONTWENI amabili edlule iPick n Pay ibikhipha umbiko wayo wezimali. Bekuyizindaba ezimnandi kuyona ngoba uveze ukuthi benze inzuzo baphinde badala namathuba omsebenzi. Okungiphathe kabi wukuthi abathengi sebekwelete ukudla nenye impahla ngoR200 million ePick n Pay selokhu lesi sitolo sivule ithuba lokudayisa ngesikweletu.
Siyabona sonke ukuthi isimo somnotho sibi kakhulu ngakho kubalulekile ukuthi songe imali siyeke ukudala ezinye izikweletu.
UMnuz Neil Roets wenkampani esiza abacwile ezikweletini, iDebt Rescue, uthe kubalulekile ukuthi abathengi bonge imali bafune usizo uma sebevele ngekhanda ezikweletini.
Ngiyanicela uma nidinga usizo lwezikweletu niqale kwi-website yeNational Credit Regulator ukuze nithole ukuthi yiziphi izinkampani ezigunyazwe ukuniluleka, lokhu kusiza umthengi agweme amaqola.
Ezinye izindaba ezivelile ngezithi uphethroli uzonyuka ngo-3 cents ngoNovemba kodwa-ke akwaziwa ukuthi ngoDisemba intengo yawo izobe imiphi kuphi ngenxa yokwenzeka ezimakethe zomhlaba. Asingene emibuzweni Umbuzo: Ngaboleka imali kwaDirect Axis ngithe ngisakhokha kahle banginika ithuba lokuboleka enye. Ngangisahlukanisa nonkosikazi ngaleso sikhathi ngakho ngalithatha ithuba lokuboleka uR800 000. Bangicela ukuthi ngikhokhe uR5 800 wabameli ngisayine nenkontileka ngakwenza lokho bathi kufanele ngikhokhe uR28 000 womshwalense. Ngiyikhokhile yonke le mali kwathiwa uR800 000 uzongena kungakapheli amahora aphakathi kuka-24 no-48 kodwa kuze kube manje angikaze ngiwuthole uR800 000. Abafuni nokubuyisa imali yami.
Impendulo: Ezabathengi zithinte abakwaDirect Axis bathi bazolusukumela udaba lwakho futhi abasoze bahlukumeza umthengi. Bathe bazamile ukukuthinta kodwa ucingo lwakho belungangeni, nami ngikuzamile kodwa ucingo lwakho belungabanjwa. Ngikuthumelele i-email ngiyacela ubuyele kwabakwaDirect Axis ukuze usizakale. Ngiyanicela bathengi ningifakele izinombolo ezisebenzayo futhi nithumele izinkinga zenu ngama-email.
Umbuzo: Sawubona sisi, nginenkinga angikwazi ukuthola imali yami ye-Unemployment Insurance Fund (UIF) ngoba nginomazisi omdala oluhlaza bathe bafuna omusha oyikhadi eMnyangweni wezabaSebenzi eLadysmith. Ngicela ningenelele.
Impendulo: Angikaze ngizwe kuthiwa omazisi abaluhlaza abasasebenzi. Ngithinte abophiko lweUIF, uMnuz Lungelo Mkamba uthe omazisi abadala bayabemukela. Uthe wena wabatshela ukuthi walahla umazisi wakho futhi wayalelwa ngokuthi hamba uyoshaya omusha ngoba kudingeka umazisi uma uyofaka isicelo se-UIF. Kuyishwa ukuthi ungikhohlisile kodwa ngicela ubuyele eMnyangweni wezaseKhaya ukuze bakwenzele umazisi omusha ubatshele iqiniso.
Umbuzo: Ngangibambise ngomshwalense wami wempilo ngesikhathi ngikweleta imali yokulungisa umuzi wami. Manje sengiqedile ukukhokha ngicela ukubuza ukuthi ngabe ibhange yilona elisaphethe umshwalense wami wempilo noma uma sengiqedile ukukhokha ibhange liyangibuyisela umshwalense wami?
Impendulo: Ngenxa yokuthi kangazi ukuthi inkontileka owayisayina ngesikhathi uboleka imali yayithini, ngicela wazise ibhange lakho ukuthi usuqedile ukukhokha ukuze umshwalense ubuyele egameni lakho. UMnuz Lee Bromfield oyisikhulu sakwaFNB Life uthe bonke abathengi kufanele bazise amabhange abo uma sebeqedile ukukhokha ukuze imishwalense yabo yempilo ibuyele emagameni abo. Uthe uma abathengi bengakwenzi lokhu kuba nezinkinga uma sebeshonile imindeni yabo isidinga imali ngoba umshwalense usuke usaphethwe yisikhungo ebesibaboleke imali. “Kuye kuthathe isikhathi eside ukuthola imali yomshwalense uma iphethwe yisikhungo ebesikweletwa wumufi ngoba imali yawo idedelwa uma sekuhlanganiswe yonke impahla kamufi. Imali yomshwalense iphinde inconzulwe yintela ngakho kubalulekile ukuthi uma usuqedile ukukhokha wazise obakweletayo ukuze konke kubuyele egameni lakho,” kusho uLee. Uthe noma ngabe une-bond uma usuqedile ukuyikhokhela kubalulekile ukuthi wazise ibhange ukuze uthole incwadi eshoyo ukuthi usuqedile ukukhokha.
Khonamanjalo, umxazululi wezinkinga zamabhange u-Ombudsman for Banking Services, uMnuz Reaba Steyn, ugqugquzele abantu wukuthi baqaphele uma bekhipha imali kumaATM ngoba bayaqolwa.
Uthe abesifazane nabadala bayizisulu zokuqolwa amakhadi ngoba izigebengu ziyazi ukuthi abakwazi ukuzivikela. Ucele abathengi ukuthi uma beqolwe kumaATM basheshe babikele amabhange abo. Uma engabasizi bangathinta ihhovisi likaSteyn ku-0860800-900 noma ku-www.obssa. co.za
Uma unenkinga edinga usizo lwezabathengi ungathumela i-email kuboniswa.mohale@inl.co.za