Ukuxolelwa akudlali indima ebonakalayo!Kusukela ngomhla ka-1 Juni 2007, bonke labo abafakwe ohleni lwamagama amnyama ngezikweletu ezingu-R500 nangaphansi bazoxolelwa. Nakuba i-SACP izamukela izimiso zomthetho ezintsha eziyingxenye yoMthetho Wezikweletu Kazwelonke, bathi awuyi kude ngokwanele. Abangu-37% kuphela kulaba abasohlwini lwamagama amnyama abazozuza kulezi zimiso zomthetho. Kunalokho yeseka lokhu okushiwo yi-Financial Services Charter (FSSC) ukuthi imali yokuxolela ikhushulwe ibe u-R1000 okungenani. Lokhu kungasiza abantu abangu-57% kubo bonke labo abasohlwini lwamagama amnyama.
Bheka ibhokisi ukuze ubone ezinye izindlela ongazuza ngazo ekuxolelweni. Uma ungena kwesinye salezi zigaba, hlola ukuthi igama lakho lisusiwe yini ohlwini lwamagama amnyama ngokushayela ucingo ku- TransUnion ITC – Call Centre: 0861 482 482; Experian SA – Call Centre: 0861 105 665
Amnestie gaan nie ver genoeg nie!Vanaf 1 Junie 2007 sal diegene wat geswartlys is vir skuld van R500 of minder, amnestie ontvang. Hoewel die SAKP die nuwe regulasies wat deel uitmaak van die nuwe Nasionale Kredietwet verwelkom het, síª hulle dat dit nie naastenby ver genoeg gaan nie. Die regulasies sal slegs omtrent 37% van diegene wat geswartlys is, bevoordeel. Die SAKP steun eerder die oproep in die Handves op Finansií«le Dienste vir die drempel om na ten minste R1000 verhoog te word. Dit sal omtrent 57% van diegene wat geswartlys is, bevoordeel. Kyk na die blok om details te sien van ander maniere waarop jy uit die amnestie kan voordeel trek. As jy in een van hierdie kategiorieí« inpas, moet jy seker maak dat jy van die swartlys verwyder is. Skakel TransUnion ITC – Call Centre: 0861 482 482; Experian SA – Call Centre: 0861 105 665
Tshwarelo e boheha e sa tsamaye ka ho lekaneng!Ho tloka ka la 1 Phupjane 2007, batho bohle bao mabitso a bona a sentsweng ka baka la dikoloto tse ka etsang R500 le ka tlase ba ile ba fumana tshwarelo. Le ha SACP e ananetse molawana ona o motjha o bopang karolo ya Molao o motjha wa Naha wa Mekitlane, ba re yona ha ya lekana ho hang. Ke fela 37% ya bao ba sentsweng mabitso ba tla fumana molemo ho tswa melawaneng ena. Empa hona ho tshehetsa boipiletso ba Financial Services Charter (FSSC) ba hore moedi e be bonyane R1000. Hona ho tla tswela mplemo batho ba ka etsang 57% ya batho bohle ba sentsweng mabitso. Sheba ka lebokosong bakeng sa dintlha tsa ditsela tse ding tseo o ka fumanang melemo ka tsona ka tshwarelo ena. Haebe o wela ho se seng sa dihlopha tsena, lekola hore na o tlositswe lenaneng la mabitso a sentsweng ka ho letsetsa TransUnion ITC – Call Centre: 0861 482 482; Experian SA – Call Centre: 0861 105 665
Amnesty does not go far enough!Mlungisi Cele
From June 1 2007, all those blacklisted for debts of R500 and less will receive amnesty. Though the SACP has welcomed the new regulations which form part of the new National Credit Act, they are far from its call in 2000 for a once off amnesty to be granted to everyone blacklisted by credit bureaux. SACP secretary general Blade Nzimande has highlighted some of the problems with the new regulations which he says could “come back to haunt us”.
Firstly, it is “estimated that the number of people blacklisted by the credit bureaux for amounts less than R500, constitute only 37% of the total number of the blacklisted.” Leaving the threshold at R500 means that the vast majority of the indebted will be “unable to start their economic lives anew”. It leaves the SACP with the suspicion that “government has been more influenced by the faceless credit bureaux and capitalist credit grantors”.
SACP wants amnesty threshold set at R1000Instead the SACP supports the Financial Sector Services Charter in its call for the threshold to be raised to at least R1000. “This would at least benefit about 57% of all those who are blacklisted,” Nzimande said.
The SACP feels that by leaving the threshold at R500, the government has failed to consider “the negative implications of blacklisting even on government’s own poverty alleviation programmes.”
It has also criticised the regulations for excluding those who were blacklisted between September 2006 and 1 June 2007.
Ban on selling credit informationMeanwhile Cosatu’s recommendation to parliament to ban the selling of credit information to employment and other agencies has been incorporated into the National Credit Act. Employers can now consider the credit record of a job applicant only if the job requires trust and honesty and entails the handling of cash or finances. The regulations go further to stipulate that information on race, political affiliation, medical status and history, religion and sexual orientation must be removed from credit bureaux records.
AMNESTY – check if you qualifyFrom June 1 2007, credit bureaux must remove all the following information from their files:
Negative information that relates to a debt that is less than R500;
All consumer credit information about accounts that have been inactive for a period of at least 24 months on September 1 2006. This does not apply to credit facilities and accounts that did not stipulate that repayments must be made monthly;
Civil court judgments of up to R500. However the consumer must not have more than two unpaid judgments, before they benefit from this;
Civil court judgments of up to R5000. The judgment must be older than 18 months and again the consumer must not have more than two judgments on his or her record;
Civil court judgments of up to R 50 000, if the consumer has paid the debt that led to the judgment in full by September 1 2006;
Civil court judgments of up to R50 000 that appear on the consumer’s record, if the consumer pays the debt in full by September 1 2007.
If you think you fit into one of these categories, check you have been removed from the blacklist by phoning TransUnion ITC – Call Centre: 0861 482 482; Experian SA – Call Centre: 0861 105 665