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wana haki gani wateja kuibiwa ndani ya benki?

Discussion in 'Habari na Hoja mchanganyiko' started by Barubaru, Aug 1, 2009.

  1. Barubaru

    Barubaru JF-Expert Member

    #1
    Aug 1, 2009
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    Napenda kuwauliza waungwana kutokana na kusoma wizi wa jana huko banki ya NMB temeke.

    pamoja na masikitiko makubwa niliyopata lakini nimekuwa najiuliza mfano ungekuwa wewe ni mteja umebeba pesa zako say 2,000,000 unataka kuweka kwenye akaunti yako na upo katika foleni ukisubiri kuweka.

    sasa kabla ujafika kwa teller wakatokea majambazi kama yale ya NMB Temeke yakawapiga na kuwataka mlale chini kisha kuwaibia wateja pamoja na wale ma teller.

    Tunajuwa pesa za bank ikiwa pamoja na wafanyakazi wao wana insurance cover hivyo watatibiwa na pesa bank zitalipwa na Bima ikibainika hakuna uzembe wa bank katika ulinzi.

    Suala langu mteja aliyekuwa kwenye foleni ndani ya bank, je yeye ana insurance cover ya bank na vipi kuhusu pesa zake ambazo alikuwa hajazikabidhi kwa teller nazo zitakuwaje.Nini haki yake?.

    napenda wanasheria wenzangu na wengine wote tuliangalie hili ili tuwasadia wale ambao wamepata masahibu hayo.

    Natoa hoja.

    Nasriyah Saleh Al-Nahdi.
    Doha. Qatar
     
  2. M

    MzalendoHalisi JF-Expert Member

    #2
    Aug 1, 2009
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    1. Kama una bima ya biashara -bima yako itakulipa!

    2. Kwani wewe hizo pesa zingeibiwa home- nani angelipa?

    Ni ajali kama ajali zingine- ndo maana watu wanshauriwa wawe na bima za biashara!
     
  3. Barubaru

    Barubaru JF-Expert Member

    #3
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    .

    Tunafahamu fika hii ni ajali. Lakini elewa kuwa Bima za biashara zina mipaka yake. Mimi sio mtaalamu wa masuala ya bima. lakini ninavyojuwa ni kuwa Bima ya Biashara itakulinda wewe pale tu kwenye biashara yako. na sio barabarani.

    na vile vile Bima ya Nyumba ita cover matukio ya pale nyumbani tu na sio barabarani. Bima haiwezi kukulipa ikiwa wewe umeibiwa simu yako ukiwa kwenye daladala unaenda kazini. Ila bima hiyo iwaweza kukulipa kama umevamiwa na majambazi nyumbani na wakakuibia simu.

    Vile vile sheria za Bank haziruhusu hata kama umechukua walinzi wakusindikize mpaka kwenye foleni ndani ya Bank. walinzi wenye silaha siku zote hukaa nje ya bank na sio ndani.

    Sasa ndio mwenzangu umeleta pes zako na ukaibiwa ukiwa ndani ya bank kwenye foleni ukiwa unataka kuweka nini haki yako.

    Elewa kuwa hakuna kibao chochote pale ndani ya bank kinachosema kuwa pesa zako zikiibiwa ndani ya bank kwenye foleni itakuwa for your own risk.

    naomba ufikiri kidogo kabla ujakurupuka na kutoa jibu. Tuangalie sheria inasemaje kwa kuathirika.
     
  4. Chapakazi

    Chapakazi JF-Expert Member

    #4
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    banking law hiyo...kwa ushauri wa chap chap...hiyo hela haiko chini ya umiliki wa benki, na hivyo bima ya benki haiweza ku-cover. Kama hii ingekuwa ndo hali halisi, basi bima ya benki ingeweza kuingia hasara nyingi. Under my jurisdiction, pesa inakuwa katika mamlaka ya benki pale wanapokupa risiti ya kuwa wamepokea hela. Hata ukiangalia zile deposit box - mwisho wa form kuna a tear-off slip. Hichi huwa na a refrence number. Hivyo hii inaweza kutumika katika kuidhinisha kuwa pesa zilishaingia benki na hivyo kuwa chini ya bima yao.
     
  5. Barubaru

    Barubaru JF-Expert Member

    #5
    Aug 2, 2009
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    Mtoto,
    Naomba tujue kuwa kwa mujibu wa banking law mteja ana haki zifuatavyo:
    1. kuhifadhiwa pesa zake 2. kuhakikisha kuna usalama na uhalali katika hifadhi za pesa zake. 3, Usalama wa mteja anapoingia katika eneo la bank 4. mteja haruhusiwi kubughuthiwa au kutishwa akiwa ndani ya bank ( hapa ndipo panapozuia polisi au mtu yoyote mwenye silaha kuingia katika enep la bank.

    Sasa mimi nipo zaidi kwa haki za mteja. napenda kujua mfano majambazi hayo yamekamatwa na kufikishwa mbele ya vyombo vya sharia. Je mteja aliyenyeng'anywa pesa kabla ya kumkabidhi teller ana nafasi gani katika kudai haki yake?

    lazima sheria itakuwa imepembua hapo kwenye haki ya mteja ndani ya bank kwa kuzingatia kuwa haruhusiwi kuwa na silaha au kuwa na mlinzi ndani ya bank?

    Kuna umuhimu mkubwa kuijulisha jamii haki zao.


    Nasriyah
     
  6. Bluray

    Bluray JF-Expert Member

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    Aug 2, 2009
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    Vifungu hivi vinaweza kumpa mteja haki ya kui sue hiyo bank.
     
  7. MwanaFalsafa1

    MwanaFalsafa1 JF-Expert Member

    #7
    Aug 2, 2009
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    The bank should have insurance kwa maana kitu kama hichi kiki tokea wateja wanaweza kulipwa haaki yao. Tatizo i doubt our banks operate that way.
     
  8. b

    bnhai JF-Expert Member

    #8
    Aug 2, 2009
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    Mie nadhani, mteja anaweza kupata haki yake kwa namna mbili au zaidi. Anaweza kuishtaki jamhuri maana yenyewe ndio inajukum la usalama wa raia, pia kama watuhumiwa watakamatwa anayohaki ya kufungua kesi ya madai dhidi yao. Na pia anaweza kuishitaki benki unless kuwa na disclaimer clause inayoonyesha ndani ya benki wizi unaweza kutokea mteja aangalie fedha. Ila kama kulikuwa na negligency kwa upande wa benki then anaweza kulipwa na benki pindi akiwashtaki
     
  9. Chapakazi

    Chapakazi JF-Expert Member

    #9
    Aug 3, 2009
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    Okay mh, no.3 and 4 zinaweza kuwa na nguvu. Lakini ndo hapo sasa inabidi kuangalia case law inasemaje juu ya hivi vifungu. I have no access to case law za bongo. Hata mimi niko interested sana kujua hili. Sijui kama kuna wanafunzi wa sheria bongo humu ndani. Wanasheria wengi wanaweza kugoma kukujibu, maana ndo mlo hapa.
    But i would imagine kuwa sheria italinda benki zaidi ya mteja, kwa sababu benki haiwezi ku-guarantee total safety ya eneo lao. Ujambazi wa uliofanyika hapo ulikuwa wa silaha hatari. Sasa kama benki inachukua responsibility yote na jinsi zinavyoibiwa, duh! Si zitafilisika?
    Hizi haki umezitoa wapi mkuu? Ziko kwenye contract yako na wao kama mteja?
     
  10. Barubaru

    Barubaru JF-Expert Member

    #10
    Aug 4, 2009
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    .

    Mtoto,

    Kuna secret moja ya insurance from individual point of view. " Do our maximum ( within Law) Not pay claim".


    Sasa ili kujadili suala hili ni lazima tuangalie zaidi banking Law, Insurance polices na sheria za nchi.

    Najaribu kuzipembua zote na kuja kuziangalia Haki za mteja ndani ya eneo la bank.

    Nipo busy kidogo lakini nalifanyia kazi ila mchango wa mawazo ni muhimu sana.
     
  11. Barubaru

    Barubaru JF-Expert Member

    #11
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    .

    Mtoto,

    Kuna secret moja ya insurance from individual point of view. " Do our maximum ( within Law) Not pay claim".


    Sasa ili kujadili suala hili ni lazima tuangalie zaidi banking Law, Insurance polices na sheria za nchi.

    Najaribu kuzipembua zote na kuja kuziangalia Haki za mteja ndani ya eneo la bank.

    Nipo busy kidogo lakini nalifanyia kazi ila mchango wa mawazo ni muhimu sana.
     
  12. Barubaru

    Barubaru JF-Expert Member

    #12
    Aug 4, 2009
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    .

    Mtoto,

    Kuna secret moja ya insurance from individual point of view. " Do our maximum ( within Law) Not pay claim".


    Sasa ili kujadili suala hili ni lazima tuangalie zaidi banking Law, Insurance polices na sheria za nchi.

    Najaribu kuzipembua zote na kuja kuziangalia Haki za mteja ndani ya eneo la bank.

    Nipo busy kidogo lakini nalifanyia kazi ila mchango wa mawazo ni muhimu sana.
     
  13. m

    muhanga JF-Expert Member

    #13
    Aug 4, 2009
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    pamoja na sheria za benki na bima hapo nauona utata dhahiri, sijajua uthibitisho wa kwamba mteja A alikuwa na 2m na mteja B alikuwa hana kitu ila alikuja kuchukua pesa, hapo pa kulipwa hata bima nayo itakuwa imeweka masharti magumu haita kuwa rahisi mtu kuclaim tukuwa niliingia bank nikiwa na milioni 5 na sasa zimeporwa akalipwa. anyway siko kwenye fani ya uanasheria hivyo cijui sana mambo hayo ila kwa uelewa wa kawaida naona itakuwa ngumu sana
     
  14. Barubaru

    Barubaru JF-Expert Member

    #14
    Aug 4, 2009
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    .

    Muhanga,

    hakuna linaloshindikana. Na sharia zipo kwa ajili ya kila mtu.

    Kwenye Insurance kuna Third party Insurance na Comprehensive Insurance. Na nikipembua vizuri kwenye Third party insurance kuna Kipengele cha Theft cover and fire and other risk.

    sasa tujaribu kuangalia kama hizi bank kwa mujibu wa sharia za Tanzania na zile za BOT wana takiwa kukata insurance cover ipi?

    Nikija kwenye upande wa sheria za Tanzania. Kuna nyingi zimepitwa na wakati. kama vile mpaka sasa ushahidi wa picha, camera za usalama, video, sauti etc bado hazitambuliwi na mahakama japo zinapokelewa. Kwani wanadai kuna usanii mwingi unaoweza kuchezwa katika hiyo new technology.

    Sheria za tanzania zinachukua ushahidi ule wa ualisia ( yaani original tu)

    Sasa kwa tukio kama hilo ambalo naamini wazi pale bank zipo security cameras ambazo zinauwezo wa kurecord mwenendo mzima wa tukio lolote pale ndani na maeneo kuzunguka bank.

    Sasa labda ni vizuri Watanzania wenzangu mliopo Tz kuishinikiza Tume ya Sheria waichukue hii kama changamoto na kuiweka katika kuishauri Wizara usika wapeleke sheria hii bungeni ili kwenda na wakati.

    Nasriyah
     
  15. Chapakazi

    Chapakazi JF-Expert Member

    #15
    Aug 4, 2009
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    hilo ndio tatizo la kwanza kuona. Lakini kama Barubaru alivyosema, sheria might be requiring them otherwise. Kwa hiyo ni muhimu kujua kwa kusudi la kuelimishana.
    Najua kisheria, benki lazima zichukue insurance. Sasa ukubwa wa cover yake ndo hapo. Kama alivyosema Barubaru, kuna 3rd party claim. Je wapo covered? Na kama wapo covered, ni katika matukio yapi? Na kama ni lazima iwepo na banki haina, basi hapo kuna negligence na pia wamevunja sheria.
     
  16. Barubaru

    Barubaru JF-Expert Member

    #16
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    Kutokana na tanzania kutoukubali na ushahidi huu wa kamera za uslama, picha, video, short msg, fax, photo copy etc na kutaka nakala halisi ya kila jambo. Hii inafanya mambo mengi huko yakwame na Yaonekane kama mazingaombwe.

    hata mtu akikutukana katika simu kwa njia ya Sms utashindwa kumtia hatiani hata kama namba mkizisajili na mtu huyo kujulikana.

    Kuna kazi kweli kweli huko Tanzania. ndio maana mimi napenda zaidi kuitwa mwandishi wa habari lakini sio mwanansheria japo zote ni fani zangu kwani mengi yanauma
     
  17. H

    HM Hafif JF-Expert Member

    #17
    Aug 17, 2009
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    Darasa ni zuri sana ingawa sijaona suluhisho. Tunaomba suluhisho lake
     
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