Internasionale Verbruikersregtedag word jaarliks op 15 Maart gevier. Hierdie maand fokus DebtSafe op die bewusmaking van verbruikers se regte. Dit blyk daarom toepaslik te wees om jou en jou medeverbruikers te herinner dat jy regte het wanneer dit by die uitneem van krediet kom en dat jy beheer oor jou geldsake kan terugneem wanneer jy oorverskuldig verklaar word. <\/p>\n\n\n\n
Dit is uiters belangrik om jou verskillende regte te ken asook om verantwoordelikhede ingevolge die Nasionale Kredietwet (\u201cdie Wet\u201d) te verstaan en aktief te beoefen. <\/p>\n\n\n\n
\u201c \u2019n Ingeligte verbruiker is \u2019n beskermde verbruiker. Deur \u2018kredietonderrig\u2019 stel jy jouself in staat om die selfvertroue te h\u00ea om te weet waarna om op te let tydens \u2019n kredietaansoek, asook watter oplossing aanbeveel word wanneer jy \u2019n \u2018skuldlas\u2019 beleef,\u201d beklemtoon Carla Oberholzer, \u2019n skuldadviseur by DebtSafe. <\/p>\n\n\n\n
Oberholzer moedig jou ook aan om vertroud te raak met die wet, die Nasionale Kredietreguleerder (NKR) se rol en te weet wat jou noodsaaklike verbruikersregte behels: <\/p>\n\n\n\n
\n Die Nasionale Kredietwet<\/b>\n<\/p>\n\n\n\n
Die Nasionale Kredietwet (ook bekend as \u201cdie kredietwet\u201d) het op 1 Junie 2007 in werking getree. Die kredietwet se doel is om verbeterde verbruikersinligtingstandaarde te verskaf en pogings om \u2019n regverdige en nie-diskriminerende platform vir verbruikerskrediet te bevorder terwyl dit verseker dat die proses gereguleer word. <\/p>\n\n\n\n
\n Die nasionale kredietreguleerder<\/b>\n<\/p>\n\n\n\n
Die NKR is in die lewe geroep deur Wet 34 van 2005 en dien as die \u201cwaghond\u201d van die kredietbedryf in Suid-Afrika. Die NKR sien toe dat kredietburo\u2019s, kredietverskaffers en skuldberaders (byvoorbeeld) aan die kredietwet voldoen. <\/p>\n\n\n\n
Die NKR verseker die ontwikkeling van \u2019n toeganklike kredietmark \u2013 hoofsaaklik waarby minderbevoorregte mense, lae-inkomste-individue en ge\u00efsoleerde gemeenskappe betrokke is. Die regulerende liggaam is ook trots daarop om elke jaar in Maart verbruikersregte te bevorder deur verskeie bewusmakingsveldtogte van stapel te stuur. <\/p>\n\n\n\n
Jou noodsaaklike verbruikersregte sluit in, maar \u2013 let wel \u2013 is nie beperk tot die volgende nie: .<\/span> Jy het die reg om aansoek te doen vir krediet..<\/span> Jy het die reg tot die openbaarmaking van inligting (om, byvoorbeeld \u2019n kwotasie te ontvang) voordat jy \u2019n kredietooreenkoms onderteken. .<\/span> Jy het die reg om inligting in eenvoudige en verstaanbare taal te ontvang. .<\/span> Jy het die reg tot die vertroulike behandeling van jou persoonlike inligting. .<\/span> Jy het die reg om (gratis, een keer per jaar) toegang te verkry tot jou kredietverslag by enige geregistreerde kredietburo. .<\/span> Jy het die reg om enige verkeerde inligting by \u2019n geregistreerde kredietburo te betwis. .<\/span> Jy het die reg om aansoek te doen vir \u2019n wettige, aanbevole diens en proses genaamd skuldberading (wanneer jy nie meer kan tred hou met jou skuldbetalings nie). <\/p>\n\n\n\n Maart is die perfekte bewusmakingsmaand om jou te vergewis van jou verskillende regte asook om dit te implementeer wanneer jy aansoek om krediet doen \u00f3f oormatige skuld moet hanteer. Jy is geregtig om hulp te verkry by geregistreerde professionele mense wanneer jy met erge skuldprobleme sit. <\/p>\n\n\n\n Dit is een van die belangrikste verbruikersregte tot jou beskikking.<\/p>\n","protected":false},"excerpt":{"rendered":" Internasionale Verbruikersregtedag word jaarliks op 15 Maart gevier. Hierdie maand fokus DebtSafe op die bewusmaking van verbruikers se regte. Dit blyk daarom toepaslik te wees om jou en jou medeverbruikers te herinner dat jy regte het wanneer dit by<\/p>\n","protected":false},"author":20,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_linkdex":"","_yoast_wpseo_content_score":"","_yoast_wpseo_inclusive_language_score":"","_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","newspack_ads_suppress_ads":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","_EventAllDay":"","_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":"","_EventShowMapLink":"","_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":"","_EventVenueID":"","_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":"","_VenueShowMapLink":"","_application":"","_batch_id":"","_company_name":"","_company_tagline":"","_company_twitter":"","_company_video":"","_company_website":"","_custom_id":"7b6d6372-1d76-422e-8441-f9bcfe6ca306","_EventDuration":"","_EventOrigin":"","_EventTimezoneAbbr":"","_featured":"","_filled":"","_job_expires":"","_job_location":"","_media_credit":"","_media_credit_url":"","_menu_item_menu_item_parent":"","_menu_item_object":"","_menu_item_object_id":"","_menu_item_target":"","_menu_item_type":"","_menu_item_url":"","_menu_item_xfn":"","_navis_media_can_distribute":"","_navis_media_credit_org":"","_OrganizerOrigin":"","_provider":"","_pum_built_in":"","_pum_default_theme":"","_pum_form_conversion_count":"","_remote_id":"","_remote_name":"","_remote_position":"","_report_frequency":"","_report_reference_dates":"","_send_attempts":"","_site_id":"","_sitemap_exclude":"","_sitemap_frequency":"","_sitemap_priority":"","_source_url":"","_subscription_period":"","_subscription_period_interval":"","_subscription_price":"","_tec_slr_enabled":"","_tec_slr_layout":"","_template_type":"","_ticket_end_date":"","_ticket_start_date":"","_tribe_aggregator_allow_multiple_organizers":"","_tribe_aggregator_content_type":"","_tribe_aggregator_file":"","_tribe_aggregator_finalized":"","_tribe_aggregator_hash":"","_tribe_aggregator_import_id":"","_tribe_aggregator_import_name":"","_tribe_aggregator_interactive":"","_tribe_aggregator_origin":"","_tribe_aggregator_post_status":"","_tribe_aggregator_preview":"","_tribe_aggregator_source_name":"","_tribe_aggregator_type":"","_tribe_default_ticket_provider":"","_tribe_hide_attendees_list":"","_tribe_rsvp_for_event":"","_tribe_ticket_capacity":"","_tribe_ticket_header":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":"","_tribe_ticket_version":"","_type":"","_VenueOrigin":"","_wp_attachment_context":"","_wp_attachment_image_alt":"","_wp_font_face_file":"","_wp_old_date":"","_yoast_wpseo_estimated-reading-time-minutes":"","_yoast_wpseo_focuskeywords":"","_yoast_wpseo_focuskw_text_input":"","_yoast_wpseo_keywordsynonyms":"","_yoast_wpseo_primary_block-catalog":"","_yoast_wpseo_primary_category":"","_yoast_wpseo_primary_job_listing_type":"","_yoast_wpseo_primary_nova_retailer":"","_yoast_wpseo_primary_publication":"","_yoast_wpseo_primary_tribe_events_cat":"","_yoast_wpseo_videositemap-duration":"","_yoast_wpseo_videositemap-rating":"","_menu_item_classes":[],"_tribe_modified_fields":[],"_wp_attachment_backup_sizes":[],"_wp_suggested_privacy_policy_content":[],"_yoast_post_redirect_info":[],"_yoast_wpseo_video_meta":[],"activation_date":"","archive_insertion_is_repeating":"","archive_insertion_posts_count":"","article_feature_media":"","article_feature_type":"","article_main_image_caption":"","article_media_icon":"","article_template":"","author_byline":"","background_color":"","block_editor":"","byline":"","cmplz_hide_cookiebanner":"","competition_end_date":"","contact_advertise_email":"","contact_advertise_phone":"","contact_editorial_email":"","contact_general_email":"","contact_general_phone":"","contact_office_hours":"","contact_physical_address":"","enabled":"","featured_image_custom_caption":"","featured_video_url":"","fields":"","font_body":"","font_header":"","frequency":"","headline":"","hide_border":"","icon":"","is_wp_suggestion":"","issuu_download_url":"","issuu_embed_url":"","language_version_url":"","large_border":"","name":"","nm_contact_name":"","nm_contact_number":"","nm_date_lost":"","no_overlay_background":"","node-url":"","obituary_born_date":"","obituary_died_date":"","obituary_memoriam_text":"","origin":"","overlay_color":"","overlay_opacity":"","overlay_size":"","placement":"","plural_label":"","post_author":"","post_id":"","post_language":"en","secret-key":"","sponsored_utm_campaign":"","sponsored_utm_content":"","sponsored_utm_medium":"","sponsored_utm_source":"","sponsored_utm_term":"","start_date":"","utm_suppression":"","video_embed_url":"","wp_pattern_sync_status":"","data_version":[],"enclosure":[],"pongrass_image":[],"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_newspack_byline_active":false,"_newspack_byline":"","newspack_content_restriction_is_exempt":false,"scaip_prevent_shortcode_addition":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1],"tags":[],"newspack_spnsrs_tax":[],"publication":[],"class_list":["post-50908","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"\n