NJENGOBA kuqale uDisemba nje, mhlawumbe usuke wawuthola umyalezo othi uwine umncintiswano othile, ongakaze uwudlale bese kuthiwe shaya ucingo ukuze uthole lowo mklomelo.
Uma uke wafona utshelwa ukuthi faka imali ye-airtime noma yokuthi bakuthumele umklomelo wakho, ogcina ungafikanga ngoba usuke uqolwa.
Kuningi ukuqolwa kwabantu okwenzeka ngalesi sikhathi sokuphana nokujabula, abantu abaningi basuke benganakile kanti sebezoqolwa imali abayisebenze kanzima.
Abantu abaningi bathanda ukuzikhipha nabangani babhuke amaholidi aya ezindaweni ezehlukene bafake imali eningi benzela ukuthi ngosuku abaluhlelile bahambe, abanye bajika lapho bekumele bagibele khona, umuntu obebahlelele uhambo engasatholakali.
Abanye bagetshengwa ngabathize abazenza abasebenza emabhange babashayele ucingo bacele imininingwane yekhasimende, liyikhiphe ngoba lizitshela ukuthi linikeza abasebhange kanti seliyikeza amaqola.
Abanamabhizinisi baqolwa ngabantu ababashayela ucingo bezenze amakhasimende becela ukwenzelwa umsebenzi bese befaka imali engaphezulu kwaleyo obekumele bayifake, bese becela ukuthi babuyiselwe le engaphezulu. Iqiniso ukuthi isuke ingekho imali efakiwe le okuthiwa ibuyise, uyipha amaqola.
Okunye okwenzekayo njengoba kuyisikhathi sokuhlukanisa izitokofela, amaqola aphume inqina afuna ukuzuza le mali.
UNkk Reana Steyn oyinguMvikeli woMphakathi kwezokubhenka (Ombudsman for Banking Services - OBS), uthe amaqola nabakhwabanisi bavamise ukuqinisa kakhulu imisebenzini yabo ngesikhathi samaholidi.
“Kubalulekile ukuqaphela ngoba amaqola awakhethi aqola abancane, abadala, bazo zonke izinhlanga. Ngeshwa abantu abadala yibo abasengcupheni kakhulu,” kusho uSteyn.
Uthe ukulahlekelwa yimali kuba nomphumela omubi, kuphela isikhathi eside olahlekelwe imali engakwazi ukuvala leso sikhala esivulwe wukuthi ulahlekelwe imali abeyongele ukuthi uzoyisebenzisa.
“Ngenxa yalesi sizathu kubalulekile ukuthi bonke abantu baseNingizimu Afrika bahlale beqaphe amaqola, umsebenzi wawo wukuqola noma ngubani abathintana naye. Imvamisa basuke befuna imali enkulu," kusho uNkk uSteyn.
UNkk Steyn uthe iningi labaqoliwe libika lobu bugebengu emuva kwesikhathi eside benziwe, okwenza ukuthi uphenyo lubambezeleke, okunikeza lezi zigebengu ithuba lokubaleka.
Uthe amakhasimende abikayo asuke efuna ukuthi amabhange abuyise leyo mali aqolwe yona kanti lokho akwenzeki uma kunguwena khasimende okhiphe imininingwane yakho wayinika izigebengu.
“Esikhathini esiningi amakhasimende ngokungazi yiwona anikeza izigebengu imininingwane yawo bese eyaqolwa. Imali ehambe kanjalo ayibuyi noma ngabe usifakile isikhalazo ebhange,” kusho yena.
Uthe okunye okwenziwa yizigebengu wukuthi zisebenzise ama-akhawunti abantu ukwamukela imali eqoliwe.
“Amakhasimende anama-akhawunti emabhange acelwa ngamaqola ukuthi kusetshenziswe ama-akhawunti awo kushiwo izizathu ezithile ezingamanga, bese eyavuma, bese nawo egaxela aseba yingxenye yobugebengu.
“Ukuphumelela kwalobu bugebengu buncike ekutheni amakhasimende anama-akhawunti emabhange avume ukuthi kusetshenziswe ama-akhanti awo, yingakho lezi zigebengu zihlale ziwayenga ngokuthi kukhona azokuhlomula noma ziqhamuke nezizathu ezidabukisayo zokuthi kungani zicela usizo,” kusho uNkk Steyn
Uthe inkinga ivela uma ikhasimende seliboshelwa ukushushumbisa imali ngokungemthetho, lithi liyachaza ukuthi kwakungeyona eyalo leyo mali kwakungeyothile.
"Imininingwane esebhange ngeyakho, uma uvuma ukuthi kusetshenziswe i-akhawunti yakho kuboshwa wena. Okubi wukuthi igama lakho yilona eligcina lifakwe ohleni lwabantu okungamele bavulelwe ama-akhawunti. Isigebengu siyaqhubeka sifune abanye abantu esizobaqola," kusho yena.
Ongoti bokuphathwa kwemali bathi abadlala izitokofela kumele imali bangayiphathi ngesandla basebenzise ama-akhawunti. Bathi gwema ukuphendula imiyalezo ekutshela ngomklomelo womcintiswano ongakaze uwudlale.
"Uma uwinile ngempela ngeke kuthiwe faka imali ukuze bakuthumelele into oyiwinile. Uma uthunyelelwe ngothile othi uphesheya kwezilwandle izipho ukuthumelela konke kuze kufike.
“Qiniseka ukuthi nalowo muntu othi ukuthumelela izipho uyamazi. Uma uthunyelelwa i-email kuthiwa faka i-quotation yomsebenzi kamasipala noma yomnyanyo kahulumeni, shayela ucingo uphiko olukhipha imisebenzi, ngaphambi kokuthiu uyenze ngoba esikhathini esiningi kusuke kungamaqola, azothi afake imali engaphezulu kwaleyo obekufanele ayifake ngephutha bese ethi acela ubuyise le engaphezulu kanti kusetshenziswe ubuchwepheshe, ngemuva kwezinsukwana leyo mali obubona sengathi ifakiwe izobe ingasekho.
“Gwema ukuciphiza i-link oyinikezwa ocingweni ngumuntu othi usebhange lakho noma ukumnikeza inombolo eyimfihlo yokukhipha imali. Uma kukhona okufonelayo ethi kukhona ozokwenza i-swim swap ngenombolo yakho, ungaqhubeki naleyo ngxoxo ngoba ungazithola ulahlekelwa imali.
“Uma ulahlelwe yiselula yakho oyisebenzisela ukwenza izinto zakho zasebhange, yazisa ibhange ngokushesha ukuze livale ukusebenza kwe-akhawunti yakho, kuze kube usulungise konke.
“Gwema ukusebenzisa i-wi-fi yasezitolo noma ema-restuarant uma wenza i-online banking ngoba kunamaqola ahlala kulezi zindawo efuna ukuntshontsha imininingwane yabantu," kusho uNkk Steyn.