Ukuzitapela kuma-akhawunti kwanqindwa yiNkantolo Enkulu
Ngesonto eledlule kube nokwethuka kubantu abasebenzisa ibhange iCapitec kulandela ukuthi bevuke ngoLwesihlanu kubanjwe imali kuma-akhawunti abo nakuba bengazange bathenge ngawo.
Leli bhange lithe lokhu kudalwe yizinkinga ezihlasele ibhange iNedbank okuyilo elidonse imali kuma-akhawunti amakilayenti aseCapitec. Kodwa-ke le nkinga igcine isonjululiwe yabuyiselwa kubanikazi imali ebidonswe ngephutha. Nokho lokhu kubhebhezele ukwesaba kubantu ngokuphepha kwemali yabo emabhange njengoba kulula nje ukuthi izikhungo zezimali zizithathele abakugcine kuzo ngaphandle kwemvume yabo.
Nakuba lokhu okwenzeke kwabasebenzisa ibhange iCapitec kube yinkinga eqhamuke kungahlosiwe kepha ziningi izigameko esezike zabikwa lapho amabhange edonsa imali kuma-akhawunti abantu ngaphandle kwemvume yabo.
Lokhu kusenzeka noma ngoNhlangulana wezi-2019 iNkantolo Enkulu eGoli yakhipha isinqumo esivimbela amabhange ukuba azithathele imali kuma-akhawunti amakilayenti awo ukuze akhokhe imali awakweleta (amakilayenti) amabhange okungangaba imali ebolekiwe, amaCredit Card neyokuthenga izimoto.
Emveni kokuba iNational Credit Regulator (NCR), ebhekelele ukusebenza kwamabhange, amalungelo nokuvikelwa kwabathengi, ifake isicelo kule nkantolo ukuba ithathe isinqumo ngeSigaba 124 somthetho iNatonal Credit Act (NCA) mayelana nokuzithathela kwamabhange imali kuma-akhawunti amakilayenti, le Nkantolo yanquma ukuthi amabhange awakwazi ukusebenzisa lesi Sigaba ezivumelwaneni zezikweletu ezilawulwa yiNCA.
Encazelweni ecacisa ngomgomo wokusebenza kwalesi sigaba, iNCR ithi amabhange asisebenzisa ukudonsa imali kuma-akhawunti abantu abawakweletayo ukuze kukhokhwe isikweletu noma kukhokhelwe enye i-akhawunti ekweletayo. Ithi: “Isibonelo, bangadonsa imali ku-akhawunti yokulondoloza noma kwejwayelekile ukukhokhela iCredit Card ekweletayo noma i-akhawunti okufanele ikhokhelwe.”
Lesi Sigaba besivumela amabhange ukuba enze lokhu ngaphandle kokwazisa noma ukuthola imvume kubanikazi bama-akhawunti yokudonsa imali okufanele ayikhokhelwe.
ISigaba 124 seNCA siyakuvumela lokhu uma ibhange noma okweletwayo ethole imvume ebhalwe phansi kokweletayo nalo ibhange kufanele licacise ngokubhala i-akhawunti imali ezothathwa kuyo, isikweleti okumele sikhokhwe, isamba semali okufanele idluliselwe kwenye i-akhawunti nosuku okuzokwenziwa ngalo lokhu.
INCR ibisithole izikhalo eziningi zivela kubathengi bekhala ngebhange iSatandard Bank ukuthi lisebenzinsa lesi Sigaba nokuthi alizilandeli izivumelwano zezikweletu ngokuhambisa neNCA.
Ethula isinqumo uMehluleli uRaylene Keightley uvumelane nalaba wathi: “ISigaba 124 sinawo umbandela wokuthi okweletayo kumele abe nezwi futhi agunyaze ukuthi lesi Sigaba singasetshenziswa kanjani kubhekwe imali asayikweleta.”
Uthe iNCA iqhamuke nezingququko ezinqala ngesimo ebesikhona ngaphambi kokuthi lo mthetho uqale ukusebenza lulunye kuNhlangulana wezi-2007.
“Le ndlela eyasungulwa ngaphansi kweSigaba 124 yakhelwe ukumela uguquko kusukwa endleleni yakudala futhi inhloso yayo enkulu ukuvikela amalungelo abathengi uma isetshenziswa,” kusho uMehluleli uKeightley.
ISouth African Human Rights Commission (SHRC) nayo eyayiyingxenye yecala njengomngani wenkantolo, yathi ukusetshenziswa kwalesi Sigaba iphuca abakweletayo imali abathembele kuyo ukuziphilisa okwenzeka ngaphandle kwemvume yabo noma ngaphandle kokubanika ukuvikeleka abakuhlinzekwa iNCA.
Yasishayela ihlombe lesi sinqumo yathi sizonika abathengi ukuvikeleka abakudingayo nokugwema ukuzithola sebekhungathekile ngakwezezimali njengoba abahlinzeka ngezikweletu sekufanele bahambisane nemibandela ebekiwe kulesi Sigaba seNCA.
Nayo iNCR isamukele isinqumo seNkantolo njengesivikela abathengi ebunzimeni ngakwezezimali okudalwa ukudonswa kwemali kuma-akhawunti abo ngamabhange.
“Amabhange kufanele athole imvume kubathengi ngaphambi kokudlulisa imali eyithatha kuma-akhawunti abathengi ukuze akhokhele imali ekwelwetwayo.”
IStandard Bank sasisiphikisa isicelo seNCR ngelithi esivumelwaneni sokubolekana imali lesi Sigaba sibalulekile embonini yamabhange njengoba sivumela ukuthi kubuyiswe imali ekwelwetwayo ngokushesha uma ikhona eku-akhawunti yokweletayo.
Njengoba kushiwo ngenhla ukuthi okwenzeke kamuva kwaCapitec kudalwe yizinkinga zokusebenza ngaphakathi kwelinye lamabhange abasebenzisana nawo, kodwa inhloso yalo mbhalo ukukhumbuza abanezikweletu ukuthi inkantolo yasikhipha isinqumo esibavikelayo futhi banelungelo lokufaka izikhalo uma kukhona lapho bebona ukuthi leli lungelo labo linyatheliwe.