OBHEKELE umphakathi ekusebenzeni kwamabhange, u-Ombudsman for Banking Services, uReana Steyn, uthi kubalulekile ukuthi amakhasimende awazi amalungelo awo njengoba ukudliwa kwezimoto kuphezulu ngenxa yomnotho.
Uthe abantu kumele bazi ukuthi imoto ethengwe ngesikweleti sebhange kusuke kungeyebhange, kuze kube ikhokhelwa ngokugcwele.
Uqhube wathi ihhovisi lakhe lithole izikhalo eziningi emakhasimendeni amabhange, akholwa wukuthi uma ibhange lihluleke ukuthola imali yalo ngesikhathi esithile, ilungelo lokuthi lidle imoto nalo lisuke seliphelelwe yisikhathi, okusho ukuthi imoto kumele kube ngeyekhasimende ekubeni akunjalo.
Uthe uma isikweleti siphelelwa yisikhathi, okuyinto eyenzeka uma okweletayo engakhokhi futhi nokweletwayo engenzi lutho ukufuna leso sikweleti kuze kuphele iminyaka emithathu, imoto kusuke kusengeyebhange futhi linelungelo lokuyidla.
Uveze ukuthi amakhasimende amaningi athwele kanzima ngenxa yokunyuka kwezindleko zokuphila, uma ehluleka ukukhokha kumele abuyisele imoto emuva, noma ayoxoxa nebhange.
Uthe kwenzeka lokhu kwabangakhokhi:
-Igama labo lizongcola, okuzokwenza kube nzima ukuthola esinye isikweleti.
-Kungathathwa izinyathelo zomthetho futhi ungene kwezinye izindleko zalokho, igama lakho libhalwe ekutheni kwake kwaphuma isinqumo senkantolo ngawe.
-Imoto ingadliwa idayiswe esidlangaleni. Uma imali edayiswe ngayo incane kunesikweleti, kuzomele ukhokhe eshoda ngayo.
USteyn uthe amabhange awakwazi ukudla imoto ngaphambi kokulandela umthetho weNational Credit Act 34 of 2005 (NCA).
Ngaphambi kokulandela izinyathelo zomthetho, uthe ibhange lizoqale lenze imizamo yangaphakathi yokuqoqa isikweleti njengokuthi bazame ukukushayela ucingo. Uma ikhasimende liziba, ibhange lizoya enkantolo.
Uthe kwenzeka lokhu ukuze imoto idliwe:
-Kuzomela kukhishwe incwadi yokufuna isikweleti (section 129 notice) okungenzeka uma sekudlule izinsuku ezingaphezu kuka-20 ungakhokhile.
-Amasamanisi athunyelwa yisikhonzi senkantolo kwikhasimende.
-Kuphuma isinqumo senkantolo esithi imoto ingadliwa.
-Isikhonzi senkantolo sihambisa incwadi yenkantolo kwikhasimende, eshoyo ukuthi imoto kumele idliwe.
USteyn uthe ibhange kumele likuthumele i-section 129 notice ekhelini owalisho futhi asikho isidingo sokuqinisekisa ukuthi uyitholile.
Uthe uma ozodla imoto ehluleka ukuveza ubufakazi bokuthi uyisikhonzi senkantolo kanjalo nencwadi, hhayi ikhophi, yenkantolo eshoyo ukuthi imoto ingadliwa, wena awuphoqelekile ukusayina noma ukumnika imoto.
Uqhube wathi kukhona nokokuthi ikhasimende linqamule inkontileka ngokubhalela ibhange. Leyo moto izodayiswa esidlangaleni ukukhokhela isikweleti.
Lokhu kwenziwa yikhasimende eselibona ukuthi isikweleti sime ngenhla.