\u2019n Nuwe verslag van die Universiteit Stellenbosch (US) se regskliniek toon dat gewetenlose geldskieters nog steeds voortgaan om arm Suid-Afrikaners uit te buit met aftrekkings van tot 75% van hul maandelikse lone en salarisse, wat hulle met bitter min of geen inkomste laat om hulself en hulle afhanklikes te onderhou. <\/p>\n\n\n\n
Hierdie gelduitleners gebruik \u2019n verskeidenheid slenterslae om die regsvereistes, wat deur die besoldigingsbeslagleggingsbevelstelsel (garnishee order<\/span>) afgedwing word, te omseil. Hierdie stelsel beperk die bedrag wat van \u2019n werknemer se salaris afgetrek mag word, tot 25%. <\/p>\n\n\n\n \u201cHoewel besoldigingsbeslagleggingsbevele steeds potensieel \u2019n winsgewende en veilige invorderingsinstrument is, is dit nou aansienlik moeiliker om so \u2019n bevel uit te reik. Gevolglik wend krediteure hulle tot alternatiewe metodes om hulle winsgewende sakeondernemings uit te brei deur voort te gaan om roekelose lenings aan te bied terwyl hulle steeds die vrugte van besoldigingbeslaglegging pluk,\u201d s\u00ea dr. Stephan van der Merwe, \u2019n senior prokureur en dosent by die US Regskliniek. Van der Merwe het die ondersoek gedoen en die verslag saamgestel n\u00e1 verskeie versoeke van joernaliste, lede van die publiek, en professionele praktisyns in die skuldbedryf. <\/p>\n\n\n\n Hy het verklarings waarin debiteure, wat deur hierdie aftrekkings geraak is, hulle stories vertel, asook verskeie dokumente soos kredietooreenkomste, bekostigbaarheidsbepalingskedules, debiteure se salarisstrokies en krediteurstate gebruik om die wydverspreide salarisaftrekkingstelsel te ondersoek. Hierdie stelsel stel krediteure in staat om kredietooreenkomste met debiteure aan te gaan op die basis dat die lening, rente en gelde van die debiteur se werkgewer verhaal sal word. <\/p>\n\n\n\n Volgens Van der Merwe lyk dit asof debiteure in skuldlokvalle gelei word waaruit hulle nie kan ontsnap nie, aangesien uitstaande leningskuld eenvoudig net by nuwe lenings ingesluit word, wat dit moontlik maak dat net nog meer lenings aan hierdie skuldenaars toegestaan word. <\/p>\n\n\n\n Dit blyk dat die beskikbaarheid van die ongereguleerde salarisaftrekkingsmeganisme krediteure aanmoedig om op hierdie wyse op te tree. <\/p>\n\n\n\n Die verslag toon dat gewetenlose geldskieters ook kan staatmaak op onverskillige of aandadige werkgewers wat die aftrekkings \u2013 wat dikwels heeltemal buite verhouding met \u2019n debiteur se salaris is \u2013 doen. <\/p>\n\n\n\n \u201cIn baie gevalle word aftrekkings vir lening ten gunste van verskeie krediteure en vir bedrae ver bo 25% van die debiteur se salaris gedoen. Hierdie aftrekkings is so onbelemmerd en verregaande dat werknemers in sommige gevalle \u2019n nul-inkomste ontvang,\u201d s\u00ea Van der Merwe. <\/p>\n\n\n\n \u201cIn een spesifieke geval is R11 178 van \u2019n debiteur se maandelikse salaris van R15 041 afgetrek. In \u2019n ander geval is salarisaftrekkings ten bedrae van R14 566 ten gunste van twee krediteure van \u2019n debiteur se maandelikse salaris van R21 475 verhaal. In albei gevalle het hierdie debiteure \u2019n netto salaris van nul rand ontvang waarmee hulle hulself en hulle afhanklikes vir die toepaslike maand moes onderhou. <\/p>\n\n\n\n \u201cDaar is ook gevalle waar salarisaftrekkings as misleidende items op \u2019n debiteur se salarisstrokie aangedui word. \u2019n Aftrekking op die salarisstrokie van \u2019n debiteur wat \u2019n lid van die Suid-Afrikaanse Munisipale Werkersunie (SAMWU) is, is byvoorbeeld as \u2018X Finance SAMWU\u2019 aangedui, terwyl die spesifieke krediteur glad nie by hierdie unie geaffilieer is nie.\u201d<\/p>\n\n\n\n Die verslag onthul ook dat wanneer werknemers by hulle werkgewers navraag doen oor salarisaftrekkings, daar vir hulle ges\u00ea word die werkgewer is verplig om aan te hou om bedrae af te trek vir solank as wat die krediteur daarop aandring, op grond van die kredietooreenkoms en die debiteur se onherroeplike opdrag dat \u2019n bedrag van hulle salaris afgetrek moet word om hulle skuld te betaal op grond van die besoldigingbeslagleggingsbevel. <\/p>\n\n\n\n \u201cDit help ook nie dat daar geen duidelikheid oor die inhoud van hierdie ooreenkomste tussen krediteure en werkgewers is en hoe hulle werkgewers tot voordeel strek nie,\u201d s\u00ea Van der Merwe.<\/p>\n\n\n\n \u201cDit is ook kommerwekkend dat die kredietooreenkomste wat bestudeer is geen inligting bevat wat aandui wat die eskalerende uitwerking van betalings wat gemis is op die uitstaande balans van lenings sal wees nie,\u201d voeg hy by. <\/p>\n\n\n\n Van der Merwe is deur \u2019n aktuaris van die US bygestaan om die ingewikkelde finansi\u00eble berekeninge van die aftrekkings te doen. <\/p>\n\n\n\n \u201cDit is kommerwekkend dat die aktuaris gevind het dat die koste van die kredietversekering \u2013 in die toepaslike geval word dit as R5,50 per R1 000 van die afbetalingsbedrag bereken \u2013 wat krediteure by hierdie lenings voeg op die volle aanvanklike leningsbedrag, en nie op die verminderende uitstaande balans nie, gegrond is. <\/p>\n\n\n\n \u201cDie totale versekeringspremie is dus buitensporig in verhouding met die grootte van die lening \u2013 R32 000 versekeringskoste vir \u2019n lening van R97 000. Indien die premies op die verminderende uitstaande balans van die versekerde lening bereken sou word, sou die totale versekeringspremie R19 000 in plaas van R32 000 wees.\u201d<\/p>\n\n\n\n Van der Merwe doen \u2019n beroep op wetgewers om die ontwikkeling van wetgewing te be\u00efnvloed ten einde kwesbare debiteure teen salarisaftrekkings en gewetenlose geldskieters te beskerm. <\/p>\n\n\n\n \u201cOns het dringende ingryping nodig om die heersende ongrondwetlike en gewetenlose misbruik van die salarisaftrekkingsmeganisme teen te staan. <\/p>\n\n\n\n \u201cHierdie meganisme moenie as \u2019n aansporing vir gewetenlose krediteure dien om finansi\u00eble voordeel te trek uit die verhoging van roekelose lenings deur kostes wat buite verhouding opgejaag word deur onder meer ho\u00eb koerse, aanvangsgelde, maandelikse diensgelde en kredietversekering nie. Die huidige gebrek aan regulering in hierdie verband is eenvoudig net onverantwoordelik.\u201d <\/p>\n\n\n\n Hy s\u00ea die bevindings en aanbevelings van die verslag is reeds aan die nasionale kredietreguleerder, die kredietombudsman en die departement van handel en nywerheid verskaf. <\/p>\n","protected":false},"excerpt":{"rendered":" \u2019n Nuwe verslag van die Universiteit Stellenbosch (US) se regskliniek toon dat gewetenlose geldskieters nog steeds voortgaan om arm Suid-Afrikaners uit te buit met aftrekkings van tot 75% van hul maandelikse lone en salarisse, wat hulle met bitter 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