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Barclays Loan and prestige account

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Buswelu, Apr 24, 2010.

  1. Buswelu

    Buswelu JF-Expert Member

    #1
    Apr 24, 2010
    Joined: Aug 16, 2007
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    Hello JF Wachumi

    Wakuu....Kuna Loan hizi za Barclays bank ambazo zinakuwa ni 4yrs payment kama umechukua 10m tsh.
    Ukilipa vyema kwa three years consecutive.Wanachagua wateja wao ambao wamelipa vyema bila matatizo
    wanawapa nafasi ya ku topup(Naomba Ufafanuzi wa hili) tena amout.Halafu unabadili account yako kutoka
    kwenye account ya kawaida kwenda Prestige ambay inacharge ya Tsh.15,500 per month.i.e 3,500 monthly Ledger
    fee plus Tsh.12,000 monthly fee kwa hadhi ya kupata service za hiyo Account..i.e kuwa na Dirisha la peke
    la kuhudimia watu wa Prestige,Discounts,plus Overdraft facility..yaani unaweza kutoa zaidi ya balance yako
    kwa Tsh.laki moja bila charge....!!

    Je swali langu ni kwenye topup hapo na makato yanakuwaje je kama walikuwa wanakukata 25% riba.
    Itaendelea hiyo hiyo au wataongeza kwa kwa namna yoyote?Ile?Wanasema kuna discount kwenye
    some of hotels ambazo wameingia nazo mkataba kwa wateja wao ambao wana prestige customers.
    Kama kuna mwenzetu humu ndani ambaye ana maelezo mazuri kuhusu hili naomba msaada...kabla
    wengi wetu hatujaingia kichwa kichwa.

    Wenu wa Heshima
    Buswelu
     
  2. b

    bitimkongwe JF-Expert Member

    #2
    Apr 24, 2010
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    Eeh, jihadhari na Barclays ya Tz, sijui hizo branch nyengine.
     
  3. Buswelu

    Buswelu JF-Expert Member

    #3
    Apr 24, 2010
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    Kwanini mkubwa?
     
  4. Tusker Bariiiidi

    Tusker Bariiiidi JF-Expert Member

    #4
    Apr 24, 2010
    Joined: Jul 3, 2007
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    Buswelu ahsante sana... Jamani na mimi naungana na Buswelu,Mdau anayefahamu atujuze...:help::help::help: please Help...
     
  5. b

    bitimkongwe JF-Expert Member

    #5
    Apr 24, 2010
    Joined: Oct 21, 2009
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    Nilikuwa nikisoma kwenye magazeti malalamiko mengi mengi kutoka kwa wateja kuhusu services zao na jeuri zao.

    Inawezekana wamejirekebisha lakini ulizia kwa karibu kabla ya kufanya uamuzi.
     
  6. Ramthods

    Ramthods JF-Expert Member

    #6
    Apr 24, 2010
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    thanks.JPG
     
  7. Pdidy

    Pdidy JF-Expert Member

    #7
    Apr 24, 2010
    Joined: Nov 22, 2007
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    Watch out
    nilikuwa arusha tawi lao kila siku ukidamka asbh unakuta wateja wanalalamika wamekuta ongezeko la kipumbavu kwenye deni zao usipokuwa strong unaletewa vioja vya ajabu ajabu oohh ulichelewa ukunini...wengine wanakiri kabisa unakuta machine inakata automatic deni lako na huku unakuta mtu amekata manua l deni lako haamad kama ufwatilii unakuta ukikatwa mara mbili na hili utajua mwishoni pesa imeisha bila kutaraji.....
    Unalolo babu!!!!!
     
  8. Buswelu

    Buswelu JF-Expert Member

    #8
    Apr 25, 2010
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    THis kinda negative side...all i need to know ni kuhusu hoja yangu...hapo juu...sio negative or positive side of bank...Pdidy
     
  9. b

    bitimkongwe JF-Expert Member

    #9
    Apr 25, 2010
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    Mdogo wangu panapofuka moshi hapatakosa kuwaka moto baadae. Utakuta unakatwa services za ajabu usije kulalamika baadae.
     
  10. S

    Sally Member

    #10
    Apr 29, 2010
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    hayo ya barcklays ni kweli kabisa. Kuna jama yangu alikuwa ana account moja ya mkopo lakini akajikuta anakatwa mara mbili kila mwezi. Amelalamika wee amefuatilia, ameandika barua ni kuzungushwa tu. Nashauri tafuta benk zenye ukweli. Siyo waaminifu hao hata kidogo.
     
  11. Amoeba

    Amoeba JF-Expert Member

    #11
    Apr 29, 2010
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    jamani amesema yeye hajali -ve side za hiyo bank, anachotaka ni ufafanuzi wa huo mkopo tu! mengine mwachieni yeye.
     
  12. Aza

    Aza JF-Expert Member

    #12
    Apr 29, 2010
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    nitakuja na jibu la kutosha kesho mpendwa ngoja nikamkabe jamaa!!atanipa maelezo tu
     
  13. Mom

    Mom JF-Expert Member

    #13
    Apr 29, 2010
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    Nilifunga ac yangu huko maana kulikua na charge zisizoeleweka

    sasa kama unahtaji sana kujua kwann usiende bank upate maelezo yote?
     
  14. Mama Nim

    Mama Nim Senior Member

    #14
    Apr 29, 2010
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    Inaonekana you have already made up your mind, unataka kuwa prestige customer. Nenda Barclays uwaulize. Utapata jibu lakukushawishi uwe mteja wao. Sisi tunaowajua inaonekana hatuwezi kukubadilisha mawazo.
     
  15. M

    Mama Joe JF-Expert Member

    #15
    May 3, 2010
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    Na mie nimeletewa hii Prestige account, nasubiria maelezo zaidi.
    Kuhusu negative side hizo nimeishazisikia kutoka kwa watu waliokopa bank tofauti tofauti mmoja KCB, wengi tu NMB, wanasema unachotakiwa kufanya ni mshahara ukiingia tu unatoa hela yote unabakiza deni yao tu. Ukichelewa tu automatic then mauala inakata!
     
  16. M

    MJM JF-Expert Member

    #16
    May 3, 2010
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    1. Suala la kufanya top up ya mkopo haliongezi interest bali kama tayari umelipa kwa hiyo miaka maana yake wanafanya kama tayari umelipa kiasi chote na wanakupa mkopo mpya na kile kiasi kilichokuwa kimebaki wanakipunguza kwenye kiasi unachostahili. Ni very simple kama ukienda bank mnafanya pamoja.
    2. Suala la prestidge customers ni market segmentation pamoja na kupunguza udhia kwa baadhi ya watu. Nadhani hii inatakiwa kuwa emphasized na bank zote maana kwanza inaongeza faida kwa bank, kwa sababu services ni expensive. Foleni ya watu wanao bank Tshs 5,000 na mtu mwenye transaction za millions/billions bila option haina mpango.
    3. Suala la discounts na overdraft facilities ni advantage kwa yule mwenye account. Interest rates za mikopo huwa zinatofautiana kutokana na risk assessment zao (Integrity na mambo mengine) ndiyo maana mkopo wowote na rate huwa ni private and confidential. Kabla ya kuchukua mkopo jaribu kuuliza maswali ya kutosha na upewe scheme nzima ya mkopo maana kuna mambo ya time value of money watu wengi huwa hawaelewi wanadhani akiambiwa 25% ndiyo hiyo hiyo. Unatakiwa kuelewa masharti ya mkataba maana saa nyingine wanakwambia bank inaweza kubadili interest rate nk.
    4. Ukiwa na account au umechukua mkopo jitahidi kila mwezi kupata statement na ujiridhishe kama transactions zote ni sahihi. Kama una kuna tatizo na mtu anakujibu hovyo si kuna higher authority.


    Ni mambo mengi
     
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