Khalani mu mndandanda wazokhumudwitsa Ndi mutu kwa aliyense. Anthu omwe amalowa mmenemo amatero chifukwa cholakwitsa ngongole zanyumba kapena ntchito zina monga magetsi, foni kapena intaneti. Komanso, munthu akhoza kulowa mosazindikira. Chowonadi ndichakuti, kukhala mchizindikiro cha kusokoneza imatseka misewu yonse yamtundu wina wazachuma kapena ngongole kubanki. Pulogalamu ya ngongole, ngakhale zitakhala zazing'ono bwanji, pezani mitundu yonse yothandizira ndi zolipira pang'onopang'ono kapena makhadi aku banki.
Ndikofunika kukumbukira kuti munthu kapena bungwe likamalembetsa wina pamndandanda, ayenera kudziwitsa nzika zomwe zakhudzidwa. Mwanjira imeneyi, kampani yomwe ili ndi fayilo iyeneranso kudziwitsa nzika kuti yalembetsedwa. Zitha kuchitika, komabe, kuti wamangawayo adasintha adilesi yake, chifukwa chake sanalandire chidziwitso. Zikatero, ndikofunikira kuti wopikisana naye afufuze ngati ali pamndandanda komanso momwe angachokere. Apa tikupatsirani tsatanetsatane.
Zolemba kapena mafayilo a omwe amalephera kubweza ku Spain
Ku Spain kuli mindandanda yosiyanasiyana yolumikizira omwe amalephera kubweza. Kapangidwe kake konse kamayendetsedwa ndi nkhani 29 ya Lamulo Lachilengedwe Pakuteteza Zinthu Zanu. Munkhaniyi amalankhula zamautumiki azidziwitso pazachuma ndi ngongole, zomwe kwenikweni, sizoposa makampani omwe amapereka ndalama. mafayilo achinyengo. Kuti mulembetse munthu, muyenera kuwonetsa ngongole yomwe ali nayo, dzina ndi kampani kapena munthu amene akufuna kulowa naye mundandandawo.
Ena mwa odziwika ku Spain omwe amachita izi ndi:
- National Association of Financial Credit Establishments (Asnef).
- Kaundula wa Zilandila Zolipidwa (RAI).
- badexcug.
Njira yakukhalira pamodzi mwamndandandawu ndichifukwa chosalipira. Ndipo lingaliro logawa anthu mmenemo ndiloti: imodzi, perekani mwachangu momwe zingathere, ndipo awiri, mabungwe ena - monga mabanki - amadziwa omwe alipo kuti apewe kupereka ngongole kapena ngongole. Pakadali pano, palibe malamulo omwe akuwonetsa kuchuluka kwa ndalama zomwe muyenera kukhala nazo kuti mulowe nawo. Popeza lamuloli kulibe, mafayilo amatha kulowetsedwa ndalama zilizonse zikabwerekedwa.
Mwachitsanzo, kukhala ndi ntchito monga madzi, magetsi kapena kanema wawayilesi ndiye chifukwa choti muphatikizidwe pamndandanda. Izi zimaphatikizapo masitepe ena, simukuwonjezera wina popanda kuwongolera. Izi zikutanthauza kuti, wina akhoza kuphatikizidwa chifukwa cha ngongole ya 50 euros.
Kodi ndingadziwe bwanji ngati ndine wopulupudza?
Kudziwa ngati muli m'modzi wa iwo sichinthu chomwe mungafufuze pa intaneti, koma ngati muli ndi ngongole yolandila kuchokera kumakampani omwe adalembetsa nawo panganoli, kapena mudatenga nthawi yayitali kulipira, zikuwoneka kuti muli m'ndandanda. Iyi ndi njira yosavuta yodziwira. Njira yina yodziwira ndi pamene munthu amapita kubanki kukalembetsa ngongole kapena ngongole ndipo amatengedwa ndi cholepheretsa kusalandila kubungwe lina.
Izi, monga tanenera kale, ndi imodzi mwanjira zodziwira ngati ndinu achifwamba. Komabe, njira malamulo kuti mudziwe ngati muli m'ndandanda Ndi mwa chidziwitso kuchokera ku kampani yomweyo. Poterepa, makampani omwe amalowetsa munthu wovomerezeka kapena wachilengedwe ayenera kuwadziwitsa pasanathe nthawi Masiku XXUMX. Momwemonso, kampani yomwe ili ndi fayilo iyeneranso kudziwitsa wobwereketsa kuti waphatikizidwa pamndandanda.
Mulimonsemo, kuti mukhale m'modzi mwamndandandawu, zofunikira izi ziyenera kukwaniritsidwa:
- Zambiri za yemwe ali ndi ngongole (monga ID, mayina ndi ena) ziyenera kutumizidwa ndi kampani kapena munthu amene akumulipira.
- Ndalama zotsika kwambiri polembetsa munthu ndi ma 50 euros.
- Khalani ndi ngongole yomwe ilipo, yomwe simulipire ndipo ikufunidwa mobwerezabwereza ndi kampaniyo.
- Ngongoleyo siyingakhale pamilandu yoyang'anira, kuweruza milandu kapena njira iliyonse yomwe imakhudza mkangano.
- Kuti munthuyo kapena kasitomala wadziwitsidwa kuti, ngati atapanda kutsatira malipirowo, atha kuwonjezedwa pamndandandawu.
- Nthawi yokhala pamndandanda ndi zaka zisanu.
Kodi ingakhale fayilo mwangozi?
Ngati kungatheke. M'malo mwake, zimawerengedwa kuti pali zambiri, kuphatikiza zambiri mwangozi. Anthu ambiri azamalamulo komanso achilengedwe ali pamndandanda wopanda ngongole kapena popanda kutsatira zomwe tatchulazi. Nthawi zina, "zolakwikazo" zimakhala zopanda chifukwa, mwa zina, zimakhala zabodza kapena kulemba anthu mwachinyengo.
Ngati ndi choncho, zomwe mungachite ndi, choyamba, zitsimikizirani kuti mulibe ngongole kapena mgwirizano ndi kampani yomwe yasayina dzina lanu. Pambuyo pake, ndizotheka kupemphanso kampaniyo kapena kampani yolemba mafayilo ndikufunsira a kubwezera. Mulimonsemo, ndikofunikira kuchotsa dzina lanu ndikulandila chipukuta misozi.
Chinthu china choyenera kuchita ndikulembera kwa mwini fayilo kuti mulandire kuti akuphatikizidwa. Ayenera kuyankha pasanathe masiku 30. Mukapanda kutero, mutha kukadandaula ku Aepd komwe fayilo idzatsegulidwe ndipo mudzalandira chilolezo.
Kodi mungachoke bwanji pamndandanda wa omwe asinthika?
Njira yokhayo yotsika mndandanda ndi perekani ngongoleyo. Panthawi yolipira ndikukhazikitsa zomwe sanalipire, kampaniyo iyenera kudziwitsa kampani yomwe ili ndi fayiloyo. Pakadutsa mwezi umodzi dzinalo lidzachotsedwa pamndandanda. Muthanso kuchita nokha ndikukhala ndi umboni wa kulipira limodzi ndi chithunzi cha ID yanu ndi dzina lonse ku kampani yomwe ili mufayiloyi. Mwanjira iyi, chotsani zokayikira ndipo onetsetsani kuti dzina lanu lichotsedwa pamndandanda posachedwa.
