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Umthetho ozojabulisa abantu abaningi

UPHASISWE ngokusemthethweni ekuqaleni kwale nyanga umthetho oyisichibiyelo kwiNational Credit Act ozovimbela izitolo ukuba ziqoqe izikweletu kubantu ekubeni lezo zikweletu sezaphelelwa yisikhathi sesingasekho isidingo sokuthi zingaqoqwa.
Okuqukethwe yilo mthetho wukuthi kumele ukuthi umthengi kube wukuthi naye akavumi ukuthi uyazana nesikweletu okuthiwa esakhe.
Lokhu kumele kube wukuthi kuphela iminyaka emithathu iiandeiana umthengi esiphika lesi sikweletu ngomlomo noma ngokubhala izincwadi.

Uma umthengi enze kanjalo, lokho kuyochaza ukuthi leso sikweletu sesaphelelwa yisikhathi ngokwalo mthetho.
UMnuz Neil Roets, oyisikhulu esiphezulu enkampanini ebhekelele indlela abathengi abakhokha ngayo izikweletu zabo, iDebt Rescue, uthe okumele abathengi bakwazi futhi bakuqaphele wukuthi uma kwake kwenzeka basikhokhela leso sikweletu kuleyo minyaka emithathu, lokhu kusho ukuthi isikweletu asiphelile,.

‘ Akufanele futhi ukuthi kube wukuthi umthengi wake wathembisa ukuthi uzokhokha. Akumele futhi ukuthi kube wukuthi leso sitolo osikweletayo sake sakuthumelela amasamanisi ngaleso sikweletu eminyakeni emithathu iiandeiana,” kugcizela uRoets.
Uthe unethemba lokuthi izichibiyelo ezenziwe kulo mthetho zizobasiza abathengi ngokuphasiswa kwawo kwazise ezinye zalezi zikweletu okuthiwa abathengi abazikhokhe sezaphelelwa yisikhathi.

Uthe izinkampani eziningi bezizenzela ibhizinisi Iemali eshisiwe phambilini ungakaphasiswa lo mthetho ngokuthi zishe amashushu ngokukhokhisa abathengi izikweletu esezaphelelwa yisikhathi.
Uthe kuyimanje abathengi basabhekene nenselelo enkulu yokubuyekezwa kwezikweletu zabo okusamele bazikhokhe.
“Uma umthengi esengaphansi kohlelo lokubuyekezwa kwezikweletu zakhe ngokusemthethweni, lokho kuchaza ukuthi impahla yakhe iphephile ngeke idliwe.

“Lokho kuphinde kumnikeze ithuba lokuphefumula ngokuthi athole isikhathi esithe xaxa sokwelulekwa ukuze akhokhe izikweletu zakhe ngesivumelwano okufinyelelwe kusona,” kuchaza yena.

Okwenza abathengi bashay we wumoya, ukuthi ukuchibiyelwa kwalo mthetho, kusho ukuthi abakweletwayo abasenawo amandla okumthathela izinyathelo zomthetho lowo obakweletayo uma inkantolo isithathe isinqumo sokuthi okweletayo usengaphansi kokuthi isikweletu sakhe sibuyekezwe ngokugunyazwa iyona.
“Lokhu kwenza ukuthi libonakale iqhaza elibanjwe abeluleka ngezikweletu ngokuthi bavikele abathengi nokugqamisa ukubaluleka kokubuyekezwa kwezikweletu ngenhloso yokunciphisa umthwalo abawuthwele,” echaza.
Ezinye zezichibiyelo ezenziwe kulo mthetho ngokusho kukaRoets, ukuqiniswa komthetho ukuze kungabi lula nje ukuthi ababolekisa ngemali banikeze abathengi imali ezohlala emahlombe abo impilo yabo yonke.
“Lokhu kuzokwenza ukuthi kungabi lula kubathengi asebevele besenkingeni yokuxakwa yizikweletu ukuthi banikezwe enye imali,” kucacisa uRoets.

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