{"id":48518,"date":"2024-03-08T06:02:08","date_gmt":"2024-03-08T04:02:08","guid":{"rendered":"https:\/\/novanews.co.za\/paarlpost\/jou-regte-verantwoordelikhede-20240306-2\/"},"modified":"2025-03-20T05:26:10","modified_gmt":"2025-03-20T03:26:10","slug":"jou-regte-verantwoordelikhede-20240306-2","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/paarlpost\/jou-regte-verantwoordelikhede-20240306-2\/","title":{"rendered":"Jou regte, verantwoordelikhede"},"content":{"rendered":"\n

Maart is nie net menseregtemaand nie \u2013 vandeesmaand is ook \u2019n toegewyde verbruikersverwante, opvoedkundige en bewusmakingstydperk, soos uitgelig deur die Nasionale Kredietreguleerder (NKR), die Kredietombud en verskeie organisasies.<\/p>\n\n\n\n

\u201cVerbruikersregte is volgens die Nasionale Kredietwet \u2019n wesenlike deel van jou bre\u00ebr menseregte, maar dit is belangrik om te weet waarop jy geregtig is en wat jou verantwoordelikhede is wanneer dit by jou kredietooreenkomste kom. Onthou, net omdat jy \u2019n sekere verbruikersreg het of daarvan bewus is, beteken nie dat jy dit moet oorbenut nie. As jy byvoorbeeld meer skuld aangaan en jy weet jy kan dit eintlik geensins bekostig nie, plaas jy jouself in \u2019n moeilike situasie,\u201d s\u00ea Wikus Olivier, besturende direkteur by CreditSmart Finansi\u00eble Dienste, \u2019n geregistreerde skuldbestuur- en finansi\u00eblediensteverskaffer.<\/p>\n\n\n\n

Hier is \u2019n paar belangrike verbruikersregte en -verantwoordelikhede om in gedagte te hou rakende kredietverwante verpligtinge.<\/p>\n\n\n\n

Watter basiese verbruikersregte het jy?<\/p>\n\n\n\n

Jy het die reg om:<\/p>\n\n\n\n

\n .<\/span> aansoek te doen om krediet; en<\/p>\n\n\n\n

\n .<\/span> inligting te ontvang in eenvoudige en verstaanbare taal asook in \u2019n amptelike landstaal (wat jy kan lees en verstaan).<\/p>\n\n\n\n

Moenie pen op papier sit as jy nie die inligting (wat aan jou verskaf\/gegee is) ten volle begryp of onseker is oor enige van die inhoud, fynskrif of bepalings en voorwaardes nie.<\/p>\n\n\n\n

\n
\n .<\/span> <\/span>Jy het ook die reg om in kennis gestel te word wanneer jou kredietaansoek goedgekeur of geweier is, en indien jou aansoek verwerp is, verwittig te word van die rede hoekom jou aansoek onsuksesvol was.<\/p>\n\n\n\n

Indien jou kredietaansoek byvoorbeeld afgekeur sou word weens jou kredietprofiel of -telling, kan jy die nodige kontakbesonderhede en inligting van die kredietburo aanvra om \u2019n dispuut aan te teken. Let wel, die kredietburo het 20 werksdae om jou navraag op te los. <\/p>\n\n\n\n

\n Die openbaarmaking van inligting:<\/span>\n<\/p>\n\n\n\n

\n .<\/span> Moet nooit \u2019n le\u00eb (geen inhoud op \u2019n dokument) kredietooreenkoms onderteken nie, en voordat jy instem en besluit om \u2019n kontrak te teken, vra vir \u2019n voorafooreenkoms (bindend vir vyf werksdae). Hierdie kwotasie moet die bedrag wat geleen word, rentebedrag, depositobedrag (indien nodig), terugbetalingstydperk en enige bykomende kostes aandui, om slegs \u2019n paar uit te lig. <\/p>\n\n\n\n

\u201c \u2019n Voorafkwotasie kan jou help om beter rentekoerse te kry of kwotasies te vergelyk en rond te kyk vir beter geleenthede. Suid-Afrikaanse verbruikers is al te dankbaar om die eerste aanbod te gryp wat hulle kan kry, terwyl hulle heel moontlik \u2019n beter prys van \u2019n ander geregistreerde verskaffer kon ontvang het,\u201d s\u00ea Olivier. <\/p>\n\n\n\n

Die vertroulike behandeling van jou persoonlike inligting:<\/p>\n\n\n\n

\n .<\/span> Kredietverskaffers moet kli\u00ebntinligting wat gehou word, vertroulik hanteer en kan slegs jou inligting gebruik vir die doel waarvoor dit gegee is. <\/p>\n\n\n\n

\n .<\/span> Kli\u00ebnte moet volgens wet elke jaar \u2019n gratis kredietverslag via \u2019n geregistreerde kredietburo verkry. Bykomende kopie\u00eb kan teen \u2019n koste bekom word. Verkeerde inligting kan aangespreek word, wanneer nodig.<\/p>\n\n\n\n

VeriCred (VCCB), TransUnion, Consumer Profile Bureau (CPB), Xpert Decision Systems (XDS; via die Splendi-platform) of Experian is onder andere betroubare \u201cprim\u00eare kredietburo\u2019s\u201d.<\/p>\n\n\n\n

S\u00ea nee vir roekelose geldleenpraktyke: <\/p>\n\n\n\n

Kredietverskaffers moet by behoorlike riglyne vir bekostigbaarheidsbeoordeling hou ten tyde van jou kredietaansoek..<\/span> Onderhandel met jou kredietverskaffers wanneer jy sukkel om tred te hou met jou betalings, of soek professionele bystand en doen aansoek vir die NKR-aanbevole program, genaamd skuldberading\/-hersiening..<\/span> Kommunikasie is uiters belangrik wanneer dit by jou krediteure kom. Wees proaktief en uiter jou verandering in omstandighede. Jy weet nooit wat \u2019n kredietverskaffer sal doen om jou as kli\u00ebnt te help of te behou nie..<\/span> As jy jou skuld-tot-inkomsteverhouding bereken het en dit weerspie\u00ebl \u2019n rooi vlag van oorverskuldigheid, kan skuldberading as \u2019n potensi\u00eble skuldverligtingsmaatre\u00ebl en -oplossing beskou word.<\/p>\n\n\n\n

Let wel: jy kan redes aanvra indien jou skuldberadingaansoek afgekeur word.<\/p>\n\n\n\n

Vra vir \u2019n volledige onthulling van die proses en skriftelike bekendstelling van die gelde wat voor jou aansoek van toepassing was..<\/span> En ten laaste \u2013 jy behoort maandelikse state van jou skuldberader of betalingsverspreidingsagentskap (PDA) gedurende die proses te ontvang.<\/p>\n\n\n\n

Hoewel jy regte met betrekking tot kredietooreenkomste het, is daar belangrike verantwoordelikhede <\/span>wat jy as kredietaktiewe verbruiker ook in die proses moet nakom:<\/p>\n\n\n\n

\n .<\/span> Maak slegs gebruik van kredietverskaffers (of indien jy oorverskuldigheid ervaar, skuldberaders) wat by die NKR geregistreer is. Moet nooit jou bankkaart, identiteitsdokument of bank-PIN-nommer by kredietverskaffers los nie..<\/span> Verseker \u2019n volledige en eerlike finansi\u00eble openbaarmaking wanneer jy om nuwe krediet aansoek doen. Wees eerlik met jouself en doen ekstra huiswerk om seker te maak dat jy wel \u2019n nuwe finansi\u00eble verpligting kan bekostig.<\/p>\n\n\n\n

\n .<\/span> Kom maandelikse betalings na soos ooreengekom. Betaal elke maand jou balans ten volle, vermy onnodige skuld en gebruik krediet verstandig om \u2019n positiewe kredietgeskiedenis op te bou.<\/p>\n\n\n\n

\n .<\/span> Wanneer jy besef jy sal nie jou maandelikse verpligtinge kan nakom nie, kontak jou kredietverskaffer om onmiddellik te probeer onderhandel om betalings te \u201cherre\u00ebl\u201d.<\/p>\n\n\n\n

\n .<\/span> Wanneer skuldberading as \u2019n skuldverligtingsmaatre\u00ebl oorweeg word, onthou dat jy steeds aanspreeklik is om jou skuld te betaal. Dit is nie \u2019n kitsoplossing of \u2019n skuldkansellasieproses nie. <\/p>\n\n\n\n

Kommunikeer gereeld met jou skuldberader en hou by jou nuwe herstruktureerde betalingsplan (soos goedgekeur en volgens die hofbevel uiteengesit).<\/p>\n\n\n\n

\u201cBemagtig jouself deur jou verbruikersregte te verstaan en maak ook seker dat jy jou kredietooreenkoms-verantwoordelikhede nakom vir \u2019n veilige finansi\u00eble toekoms,\u201d s\u00ea Olivier. <\/p>\n","protected":false},"excerpt":{"rendered":"

Maart is nie net menseregtemaand nie \u2013 vandeesmaand is ook \u2019n toegewyde verbruikersverwante, opvoedkundige en bewusmakingstydperk, soos uitgelig deur die Nasionale Kredietreguleerder (NKR), die Kredietombud en verskeie 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regte, verantwoordelikhede | Paarl Post<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novanews.co.za\/paarlpost\/jou-regte-verantwoordelikhede-20240306-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jou regte, verantwoordelikhede\" \/>\n<meta property=\"og:description\" content=\"Maart is nie net menseregtemaand nie \u2013 vandeesmaand is ook \u2019n toegewyde verbruikersverwante, opvoedkundige en bewusmakingstydperk, soos uitgelig deur die Nasionale Kredietreguleerder (NKR), die Kredietombud en verskeie organisasies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/novanews.co.za\/paarlpost\/jou-regte-verantwoordelikhede-20240306-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Paarl Post\" \/>\n<meta property=\"article:publisher\" 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