Kodi kuchotsa okhometsa: pamwamba nsonga

M'zaka zaposachedwapa, kuyenera mchitidwe ochuluka amakonda, pamene banki sangathe paokha kusonkhanitsa kwa borrowers oipa mu arrears, Zosintha nkhani ku ofesi ya wamba. Komabe, chifukwa cha mipata m'malamulo panopa, okhudzidwa ndi mabungwe awa zambiri akhale nzika woonamtima, anali chikalata ngongole, ndipo sachita monga guarantors. Chifukwa anthu lero koposa ndi mmene kuchotsa okhometsa.

ngati ntchito za Makampani lamulo kuti amakhazikika mu adzabwerenso ngongole zoipa?

Mwatsoka, ambiri borrowers molakwa kuti zochita za mabungwe nawo ayambe mangawa achilendo ndi zoletsedwa mu mfundo. Ndipotu, chirichonse si bwino lomwe. malamulo amapereka ufulu a mabanki kutaya ngongole zoyipa posamutsa iwo lachitatu maphwando, osati nthawi zonse ndi bungwe ngongole. Nthawi zina, si kugulitsa Sanapezeke ngongole, basi zokwanira kunena mgwirizano. Pambuyo pake, kampani, amene alibe poyerekezera banki wina aliyense woyenera amafuna wobwereka kubweza ngongole imene.

Kodi kulankhula okhometsa pa telefoni?

Imodzi mwa njira zikuluzikulu za makampani nawo ngongole vuto ndi kupereka kuthamanga maganizo pa wobwereka ndi. Choncho, anthu ambiri amene zimenezi, akudabwa momwe kuchotsa kamodzi ndi okhometsa onse. Choyamba, muyenera kudziwa bwino kuti mabungwe amenewa alibe ulamuliro kuzunza wamangawa pamaso 9:00 am ndi pambuyo 20 madzulo.

Pakukambirana telefoni ndi okhometsa ayenera kulankhula modekha, popanda tingalole kusuntha kwa malankhulidwe apamwamba. Mmodzi wa ambiri zolakwa imatengedwa kuponya chubu, kuti kukana kulipira ngongole. Okhometsa ntchito khalidwe, ndipo ndithudi sanalamulire ndi ngongole zimenezi.

Amene akufuna kudziwa mmene kuchotsa okhometsa mwalamulo ndi kwanthawizonse, muyenera kutsatira malangizo ochepa osavuta. Pa kuitanako, muyenera mfundo kupeza zimene akufuna kwa inu, oimira Agency, musaiwale mwachindunji dzina ndi adiresi ya gulu, ndi dzina la woyimba lapansi. Mu nkhani ya kulephera mwa zinthu zimenezi chithe kuitanako. Komanso, lipoti la sizingatiletse chipani ena kukambirana ndi akujambulidwa ndipo kenako ntchito monga mbali ya mayesero zotheka. Kawirikawiri, pambuyo mawu awa anatontholetsa ngakhale kwambiri kulimbikira mtima maheda. Zimenezi zimachititsa kuti kutenga kukambirana zaphindu.

Kodi kuchotsa okhometsa?

M'zaka zaposachedwapa, milandu pamene nthumwi za mabungwe awa kubwerera kunyumba wokongolayo, ndipo anayamba anansi ake, pofotokoza za ngongole overdue. Ziri chinthu chomwecho zingachitike ndi anzake. Borrowers amene akufuna kudziwa momwe kuchotsa okhometsa ndi njira zonse malamulo, usapereke ku ziopsezo zawo. Nthawi zambiri onsewo kulankhula za mayesero ndi kundende si umboni, chifukwa ndithu yaitali ndi ndalama zambiri. The mawerengedwe a mabungwe otere anamanga mfundo yakuti wobwereka ndi mantha mwaufulu kubwerera osachepera gawo la ndalama zochokera.

Anthu amene amaganiza za mmene kuchotsa okhometsa ayenera chofunika kuti alembe onse akuchita zinthu zawo wrongful mwina yokhudza abwenzi umboni ndi anansi. Nditaphunzira za makhalidwe oyenera a wobwereka, iwo Apewe Changu wake.

Imodzi mwa njira zothandiza kwambiri pofuna kuthana ndi okhometsa ankaona pempho olembedwa a wobwereka ndi buku kulanda ufulu kwa mgwirizano zosonkhanitsira ngongole. Mpukutuwu ayenera akusonyeza pamene ndi mmene ngongole kubanki m'manja udindo uwu.

Kodi kuchotsa foni kuyitana la okhometsa?

Kulankhula ndi nthumwi za bungwe ayenera kuuzidwa za kufunitsitsa kwake kwa mauthenga. Ndi zofunika kuika pa zosefera yanu yam'manja ankaimba ukubwera. Ndi bwino kuti pulogalamu foni yanu kuti amalandira vuto yekha ndi manambala amene atchulidwa mu ojambula Nawonso achichepere.

Ngati okhometsa akuitana pa landline foni, mukhoza kungotanthauza kuti akuluakulu zogwirizana ndi pempho kusintha chiwerengero.

Malamulo munthu

M'malamulo panopa, oimira mabungwe nawo ayambe ngongole zoyipa, tiribe ufulu popanda chilolezo cha wobwereka akhale kunyumba kwake kapena kuntchito. Choncho, powona okhometsa pakhomo ake, munthu ali ndi ufulu musalole iwo.

Anakumana ndi akuluakulu a bungwe pa ankafika pa, m'pofunika kuti apatsidwe kwa iye chikalata aliyense dzina, buku la mgwirizano pa kutengerapo zodzinenera pansi ngongole ndi ulamuliro kupelekedwa ndi mkulu wa bungwe la natsimikiza ulamuliro wa membala ndodo.

Polumikizana apolisi

Popeza anayesa malangizo onse malamulo limatiuza mmene tichotse okhometsa, inu chithandizo ndi apolisi. Komabe, tiyenera kukhala okonzekera chakuti ntchito imeneyi sudzapereka chifukwa ankafuna. Best ogwira nkhondoyi adzakhala khama lanu ndi chidziwitso cha zina zabwino lisiti onse.