Praat mee op het forum - 15-daagse familie groepsreis Tempels en Tuk-tuks in Thailand » FOX.nl
Home > Thailand > Rondreizen > Groepsrondreizen > Familie rondreizen > 15-daagse reis > Forum English Afrikaans Zulu Xhosa Sesotho
The National Credit Act (No. 34 of 2005), “the Act,” was introduced “To promote and advance the social and economic welfare of South Africans, promote a fair, transparent, competitive, sustainable, responsible, efficient, effective and accessible credit market and industry, and to protect consumers.”
Capfin is a registered credit provider that strives to follow the Act and practice responsible lending with all its existing and potential customers. Therefore, allowing all our customers to fully understand the loan terms and conditions before making any financial commitments. A helpful idea is to draw up a detailed budget to assist in familiarising yourself with all your monthly expenses, managing your finances better and paying your creditors in full and on time. Each of our customers are responsible for the full payment of their loans, the additional charges, as well as the fees and interest. That’s why we advise all our customers to please ensure that they can afford the monthly charges that will accompany our loans as per the Capfin loan agreement.
Should you ever find yourself in a position where you are unable to meet your monthly financial commitments, we suggest that you immediately seek help. Below are a few options available if you ever find yourself in financial difficulty:
Contact Capfin directly by sending the word “ASSIST” via SMS to 43679 (standard SMS rates apply) and we will call you back in order to make an alternative payment arrangement with you, or if possible, reschedule your current monthly CAPFIN obligations; or
Contact a registered debt counsellor to assist you with the potential rescheduling of all your debt/monthly obligations and help you make arrangements with your creditors, tailored to your existing financial means. The Act makes provision for the debt review process and a registered debt counsellor will explain the procedure to you in detail. You can contact the National Credit Regulator at 0860 627 627 or visit their website at www.ncr.org.za to find a debt counsellor nearest to you; or
Apply for an administration order whereby your estate will be put under administration by means of a court order. By doing this you will not be able to obtain any further debt or credit without the consent of the court, therefore allowing you to repay your creditors. To find out more in this regard, contact your nearest Provincial Law Society or the Law Society of South Africa at 012 366 8800 or lssa@lssa.org.za; or
Submit your estate for sequestration, which is much like a company going into liquidation but in this instance for an individual. Basically, a trustee will be appointed to administer your estate to finalise matters with your creditors, preventing you from incurring further debt or being hassled with further legal action against you. The consequences are however far-reaching and should be discussed with a legal representative in detail before such an option is considered.
A credit report is a report done by a credit bureau to set out all your debt, financial obligations, court orders granted against you and any information related to outstanding payments submitted by other credit providers to the credit bureaus. You have the right to request a free copy of your credit report once a year from a registered credit bureau to ensure that all the information on the report is accurate. If you disagree with the information provided on your credit report, raise any concerns with the credit bureau which supplied you with the information.
Should you find yourself in a situation where you would like to file a complaint relating to any Capfin service, contact our customer service department at 087 354 0000.
Capfin ’s customer service department is dedicated to fully resolve your complaints and assist with your loan related enquiries as quickly as possible. If your complaint has still not been resolved to your satisfaction, you may contact the Credit Ombud or the National Credit Regulator and follow their complaints procedure.
T: 0861 662 837
T: 0860 627 627 / 011 554 2600
Whenever entering into a loan agreement, be sure to provide true and accurate information to the credit provider regarding your existing debt obligations.
To avoid additional interest; fees and legal costs being added to your outstanding debt, ensure you pay all your instalments on time.
It is important to remember that there is always a way to get help and relief when you feel overwhelmed by your debt and financial obligations. Therefore, we encourage you to use this information and contact the sources listed above for more information and assistance.
Die Nasionale Kredietwet 34 van 2005 (“die Wet”) is ingevoer “om die maatskaplike en ekonomiese welsyn van Suid Afrikaners te bevorder en te verbeter, ’n billike, deursigtige, mededingende, volhoubare, verantwoordelike, doeltreffende, doelmatige en toeganklike kredietmark en kredietbedryf te bevorder, en om verbruikers te beskerm”.
LEEN VAN GELD
CAPFIN is ’n geregistreerde kredietverskaffer wat daarna streef om die Wet na te kom en verantwoordelike uitlening met al hulle bestaande en potensiële kliënte te beoefen. Om dus al ons kliënte die leningsterme en -voorwaardes ten volle te laat verstaan voordat hulle enige finansiële verbintenis aangaan. ’n Nuttige idee is om ’n gedetailleerde begroting saam te stel om jou vertroud te maak met al jou maandelikse uitgawes, jou finansies beter te bestuur en om jou krediteurs ten volle en betyds te betaal. Elkeen van ons kliënte is verantwoordelik vir die volledige betaling van hulle lenings, die bykomende heffings sowel as die fooie en rente. Daarom beveel ons al ons kliënte aan om asseblief seker te maak hulle kan die maandelikse heffings bekostig wat ingevolge die Capfin-leningsooreenkoms met ons lenings gepaardgaan.
Indien jy jou ooit in die posisie bevind dat jy nie in staat is om jou maandelikse finansiële verbintenis na te kom nie, stel ons voor jy kry onmiddellik hulp. Hieronder is ’n paar beskikbare opsies indien jy jou ooit in ’n finansiële verknorsing bevind:
Kontak Capfin direk deur die woord “BYSTAND” via SMS na 43679 te stuur en ons sal jou terugbel om ’n alternatiewe betalingsooreenkoms met jou aan te gaan of, indien moontlik, jou huidige maandelikse Capfin-verpligtinge te herskeduleer; of
kontak ’n geregistreerde skuldberader om jou by te staan met die potensiële herskedulering van al jou maandelikse skuldverpligtinge en om jou te help om reëlings met jou krediteurs te tref wat gepasmaak is volgens jou bestaande finansiële middele. Die Wet maak voorsiening vir die skuldhersieningsproses en ’n geregistreerde skuldberader sal die prosedure in detail met jou bespreek. Jy kan die Nasionale Kredietreguleerder kontak by 0860 627 627 of hulle webwerf besoek by www.ncr.org.za om die naaste skuldberader aan jou op te spoor; of
doen aansoek vir ’n administrasiebevel, ingevolge waarvan jou boedel deur middel van ’n hofbevel onder administrasie geplaas word. Deur dit te doen, sal jy sonder die toestemming van die hof nie enige verdere skuld kan oploop of krediet kan verkry nie, wat jou in staat sal stel om jou krediteurs terug te betaal. Om meer hieroor uit te vind, kontak jou naaste provinsiale prokureursorde of die Prokureursorde van Suid-Afrika by 012 366 8800 or lssa@lssa.org.za; of
dien jou boedel in vir sekwestrasie, wat baie dieselfde is as ’n maatskappy wat gelikwideer word, maar in hierdie geval vir ’n individu. ’n Trustee sal basies aangestel word om jou boedel te beredder om sake met jou krediteure te finaliseer, en sodoende voorkom dat jy verder skuld oploop en verhoed dat jy met verdere regsaksie teen jou lastig geval word. Die gevolge is egter verreikend en moet in detail met ’n regsverteenwoordiger bespreek word voordat so ’n opsie oorweeg word.
WAT IS ’N KREDIETWAARDIGHEIDSVERSLAG?
’n Kredietwaardigheidsverslag is ’n verslag wat deur ’n kredietburo saamgestel is. Daarin word al jou skuld, finansiële verpligtinge, hofbevele wat teen jou toegestaan is en alle inligting wat verband hou met jou uitstaande betalings wat deur ander kredietverskaffers by die kredietburo’s ingedien is, uiteengesit. Jy het die reg om een keer ’n jaar ’n gratis afskrif van jou kredietwaardigheidsverslag by ’n geregistreerde kredietburo aan te vra om seker te maak al die inligting in die verslag is akkuraat. Indien jy nie met die inligting saamstem wat in jou kredietwaardigheidsverslag verskyn nie, moet jy dit direk opneem met die kredietburo wat jou van die inligting voorsien het.
Indien jy jou in ’n situasie bevind dat jy ’n klagte teen enige Capfin-diens wil indien, moet jy ons kliëntediensafdeling kontak by 087 354 0000.
Capfin se kliëntediensafdeling is daartoe verbind om jou klagtes geheel en al op te los, en jou so spoedig moontlik met jou leningsverwante navrae by te staan. Indien jou klagte steeds nie bevredigend opgelos is nie, kan jy die Kredietombudsman of die Nasionale Kredietreguleerder kontak en hulle klagteprosedure volg.
KAN EK MY LENINGSDOKUMENTE NET IN ENGELS ONTVANG?
Nee, jy kan nou versoek om jou leningsdokumente in Afrikaans, Sesotho, isiZulu en isiXhosa te ontvang. Bepalings en voorwaardes in hierdie tale is ook beskikbaar op ons webwerf www.capfin.co.za
HOE VERSOEK EK MY LENINGSDOKUMENTE IN AFRIKAANS, SESOTHO, ISIZULU OF ISIXHOSA?
Deur 087 354 0000 te bel, of ’n e-pos te stuur aan legal@capfin.co.za
Umlawuli Wezikweletu Kazwelonke
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.”
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.
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:
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
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
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
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.
I-imeyili ngu: contactcentreadmin@transunion.co.za
I-imeyili ngu: consumer@experian.co.za
I-imeyili ngu: info@compuscan.co.za
I-imeyili ngu: info@cpbonline.co.za
I-imeyili ngu: data@xds.co.za
I-imeyili ngu: info@vccb.co.za
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.
I-National Credit Regulator
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
Molao wa Naha wa Dikoloto 34 wa 2005 (“Molao”) o thehilwe “ho ka kgothaletsa le ho tswelletsa boitekanelo ba setjhabeng le moruong ba Maafrika Borwa, ho kgothaletsa mmaraka wa dikoloto le indasteri o hlokang leeme, o nang le ponaletso, phehisano, tswelletseho, bikarabello, tshebetso e baballang, e atlehileng le e fihlellehang, le o sireletsa Bareki.”
HO KADIMA TJHELETE
Capfin ke mofani wa mekitlane ya kodisitsweng ya tsitlallelang ho latela Molao le ho fana ka dikadimo ka tsela e nang le boikarabello ho bareki bohle ba yona ba teng le ba ka kgonahalang. Ka hona, ho dumella bareki bohle ba rona ho utlwisisa ka botlalo ditlhoko le dipehelo tsa kadimo pele ba ka etsa boitlamo bofe kapa bofe ba tsa ditjhelete. Maikutlo a thusang ke ho rala bajete e phethahetseng ho o thusa hore o tlwaele ditjeo tsa hao tsa kgwedi le kgwedi, ho laola ditjhelete tsa hao ka tsela e ntlafetseng le ho lefa bakolotuwa ba hao ka botlalo le ka nako. Moreki e mong le e mong wa rona o ikarabella bakeng sa tefo ka botlalo ya dikadimo tsa bona, ditefello tsa tlatsetso mmoho le ditefiso le tswala. Ke ka hona re tsebisang bareki bohle ba rona ho netefatsa hore ba ka kgona ditefello tsa kgwedi le kgwedi tse tla tsamaya le dikadimo ho latela tumellano ya kadimo ya Capfin.
MATHATA A DIKOLOTO
Haeba o ka iphumana o le boemong boo o sa kgoneng ho lefella boikarabello ba hao ba kgwedi le kgwedi ba tsa ditjhelete, re hlahisa hore o batle thuso hanghang. Se ka tlase mona ke dikgetho tse mmalwa tse fumanehang haeba o ka iphumana o le mathateng a tsa ditjhelete:
ikopanye le Capfin ka kotloloho ka ho romela lentswe lena “ASSIST” ka SMS ho 43679 mme re tla o letsetsa hore re kgone ho etsa tlhophiso e fapaneng le wena kapa haeba ho kgoneha, ho hlophisa botjha biotlamo ba hao ba ditefo ba hajwale ba kgwedi le kgwedi ba Capfin; kapa
ikopanye le moeletsi wa tsa dikoloto ya ngodisitsweng ho o thusa ka tlhophiso-botjha e ka nnang ya kgonahala ya sekoloto/boitlamo ba tsa ditjhelete ba hao ba kgwedi le kgwedi le ho o thusa ho etsa ditlhophiso le bakolotuwa ba hao, e lekanyeditsweng bokgoni ba hao ba ka nako eo ba tsa ditjhelete. Molao o hlophisetsa tshebetso ya tekolo ya sekoloto mme moeletsi wa dikoloto ya ngodisitsweng o tla o hlalosetsa mokgwatshebetso ona ka botlalo. O ka ikopanya le Molaodi wa Dikoloto wa Naha ho 0860 627 627 kapa etela webosaete ho www.ncr.org.za ho fumana moeletsi wa dikoloto setsing se haufi le wena; kapa
etsa kopo bakeng sa taelo ya tsamaisetso ya ditjhelete moo letlotlo la hao le tla behwa tlasa tsamaisetso ka mokgwa wa taelo ya lekgotla. Ka ho etsa sena o ke ke wa kgona ho fumana sekoloto sa letho se seng kapa mokitlane ntle le tumelo ya lekgotla, ka hona ho o dumella ho lefa bakolotuwa ba hao. Ho fumana tse ding mabapi le sena, ikopanye le Mokgatlo wa Boramolao wa Profensi ya heno kapa Mokgatlo wa Boramolao wa Afrika Borwa ho 012 366 8800 kapa lssa@lssa.org.za; kapa
nehelanaka letlotlo la hao bakeng sa ho phethiswa, e leng se tshwanang haholo le ha khampani e phethiswa empa boemong bona ke bakeng sa motho a le mong. Ka tlwaelo motshwaredi o tla thonngwa ho tsamaisa letlotlo la hao ho phethela dintlha le bakolotuwa ba hao, e leng se o thibelang hore o bokelle sekoloto se seng kapa ho hlekahlekwa ka kgato ya molao kgahlanong le wena. Leha ho le jwalo ditlamorao di na le ditlamorao tse kgolo mme di tlameha ho tshohlwa le moemedi wa molao ka botlalo pele kgetho e ka sekasekwa.
TLALEHO YA TSA MEKITLANE KE ENG?
Tlaleho ya tsa mekitlane ke tlaleho e fanwang ke biro ya mekitlane ho teka ditlameho tsohle tsa hao tsa tsa ditjhelete, ditaelo tsa lekgotla tse fanweng kgahlanong le wena le tlhahisoleseding e amang ditefello tse rometsweng ke bafani ba dikoloto ba bang ho dibiro tse tsa mekitlane. O na le tokelo ya ho kopa khopi ya mahala ya tlaleho ya mokitlane ya hao hang ka selemo ho tswa ho biro ya tsa mekitlane e ngodisitsweng ho netefatsa hore tlhahisoleseding yohle e tlalehong e nepahetse. Haeba o sa dumellane le tlhahisoleseding e fanweng tlalehong ya hao ya mekitlane, o tlameha ho hlahisa bothata bona ka kotloloho ho biro ya mekitlane e o fileng tlhahisoleseding ena.
MOKGWATSHEBETSO WA DITLETLEBO
Haeba o iphumana o le boemong boo o batlang ho hlahlela tletlebo e mabapi le tshebeletso efe kapa efe ya CAPFIN, ikopanye le lefapha tshebeletso ya bareki ho 087 354 0000. Lefapha la tshebeletso ya bareki la CAPFIN le reretswe ka botlalo oh rarolla ditletlebo tsa hao le ho o thusa ka dipotso tsa hao tse amang kadimo kapele ka moo ho ka kgonehang. Haeba tletlebo ya hao e sa ntse e eso rarollwe ka tsela e o kgotsofatsang, o ka nna wa ikopanya le Monamodi wa tsa Mekitlane kapa Molaodi wa Naha wa Mekitlane ebe o latela mokgwatshebetso wa bona wa ditletlebo.
Nako efe kapa efe ha o kena tumellanong ya kadimo, kamehla o hloka ho fanka ka tlhahisoleseding ya nnete mme e nepahetseng ho mofani wa mokitlane mabapi le boitlamo ba hao ba hajwale ba tsa dikoloto.
Ho qoba hore ditefiso tsa tswala ya tlatsetso le ditefiso tsa molao tse kopanyeletswang sekolotong sa hao se saletseng, etsa bonnete ba hore o lefa diinstolemente tsohle tsa hao ka nako.
Ho bohlokwa hore o hopole hore kamehla ho na le tsela ya ho fumana thuso le kimollo ha o ikutlwa o imetswe ke sekoloto sa hao le boitlamo ba hao ba tsa dikoloto. Ka hona, re o kgothaletsa ho sebedisa tlhahisoleseding ena le ho ikopanya le mehlodi e thathamisitsweng ka hodimo mona bakeng sa tlhahisoleseding e eketsehileng le thuso.
NA NKA FUMANA DITOKOMANE TSA KA TSA KADIMO KA SENYESEMANE FEELA?
Tjhe, ha o etsa kopo o ka fumana Ditokomane tsa Kadimo ka puo ya Afrikanse, Sesotho, Sezulu le Sexhosa. Ditlhoko le dipehelo ka dipuo tsena di fumaneha hape webosaeteng ya rona ho www.capfin.co.za
KE LOKELA HO KOPA DITOKOMANE TSA KA TSA KADIMO JWANG KA DIPUO TSA AFRIKANSE, SESOTHO, SEZULU KAPA SEXHOSA?
Ka ho letsetsa ho 087 354 0000 kapa ka ho romela imeile ho legal@capfin.co.za