Makato ya mkopo bank


CHE GUEVARA-II

CHE GUEVARA-II

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CHE GUEVARA-II

CHE GUEVARA-II

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Wanajamvi,tunaombeni msaada wenu!
Kuna jamaa alikuwa na mkopo ktk bank fulani (unsecured salary loan).
Alichukua 40,000,000 Tshs toka May, 2012 na amekuwa akilipa takribani 1,600,000 Tshs kila mwezi.
Amepata retrenchment (on operational requirements) na analipwa takribani 18,000,000 Tshs (net in bank) kama mshahara wa Dec, 2013 + marupurupu mengine.
Akisema amalizane na masuala ya mkopo atatakiwa kulipa 24,000,000 Tshs cash.

UKWELI:
Inasemekana hiyo 18,000,000 Tshs imeingia bank lkn account haioneshi kama kuna pesa imeingia.
Employer anasema ameshaweka pesa hiyo bank.

SWALI:
Inawezekana employer akawa amewasiliana na bank na kusema huo mzigo (18,000,000 Tshs) nd'o mzigo wa mwisho kwamba bank isitegemee pesa nyingine toka kwa employer kwa ajili ya huyo employee na hivyo bank imeamua kui-freeze hiyo pesa?

Kama ni hivyo, ni haki ku-freeze pesa yote ya mtu bila kukaa naye na kupanga alternatives za malipo ya mkopo?

Kama wamekosea huyo mfanyakazi afanyeje?

N.B: Bado hajawaona bank kujua sababu (kwa sababu ya wk-ends na kuwa na moyo wa kuvuta subira akidhani account ingesoma ndani ya siku 2 hizi) - ana mpango wa kuwaona bank kesho.

ANAHITAJI USHAURI (KUTOKANA NA HOFU YAKE YA PESA KUWA WITHHELD)
 
Nyani Ngabu

Nyani Ngabu

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Nyani Ngabu

Nyani Ngabu

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Benki yake hiyo hiyo aliyo na akaunti nayo na aliyo na direct deposit ya mshahara wake ndo hiyo hiyo alichukua mkopo?

Fine print za mkataba wa mkopo zinasemaje? Alizisoma?

Ameshawahi kupata matatizo katika kulipa malipo ya mwezi na hivyo kupelekea benki kwenda mahakamani kutafuta court order of garnishment?
 
CHE GUEVARA-II

CHE GUEVARA-II

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CHE GUEVARA-II

CHE GUEVARA-II

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Benki yake hiyo hiyo aliyo na akaunti nayo na aliyo na direct deposit ya mshahara wake ndo hiyo hiyo alichukua mkopo?

Fine print za mkataba wa mkopo zinasemaje? Alizisoma?

Ameshawahi kupata matatizo katika kulipa malipo ya mwezi na hivyo kupelekea benki kwenda mahakamani kutafuta court order of garnishment?
Bank aliyo na account nayo nd'o alichukua mkopo.
Makubaliano ni kwamba salary yake itakuwa inapitishwa ktk hiyo bank na terminal benefits zake zitapitishwa ktk account yake hiyo (lkn employer hahusiki na kulipa hiyo loan).
Hajawahi ku-default ktk kulipa hiyo loan isipokuwa nyakati ambazo salary ilikuwa inachelewa kuwa deposited.
Mfano cku ya kukata loan ni trh 23, salary ikiingia trh 26 inahesabika alichelewa kulipa.
Otherwise borrower yuko perfect.
 
UNDENIABLE

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UNDENIABLE

UNDENIABLE

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Wanajamvi,tunaombeni msaada wenu!
Kuna jamaa alikuwa na mkopo ktk bank fulani (unsecured salary loan).
Alichukua 40,000,000 Tshs toka May, 2012 na amekuwa akilipa takribani 1,600,000 Tshs kila mwezi.
Amepata retrenchment (on operational requirements) na analipwa takribani 18,000,000 Tshs (net in bank) kama mshahara wa Dec, 2013 + marupurupu mengine.
Akisema amalizane na masuala ya mkopo atatakiwa kulipa 24,000,000 Tshs cash.

UKWELI:
Inasemekana hiyo 18,000,000 Tshs imeingia bank lkn account haioneshi kama kuna pesa imeingia.
Employer anasema ameshaweka pesa hiyo bank.

SWALI:
Inawezekana employer akawa amewasiliana na bank na kusema huo mzigo (18,000,000 Tshs) nd'o mzigo wa mwisho kwamba bank isitegemee pesa nyingine toka kwa employer kwa ajili ya huyo employee na hivyo bank imeamua kui-freeze hiyo pesa?

Kama ni hivyo, ni haki ku-freeze pesa yote ya mtu bila kukaa naye na kupanga alternatives za malipo ya mkopo?

Kama wamekosea huyo mfanyakazi afanyeje?

N.B: Bado hajawaona bank kujua sababu (kwa sababu ya wk-ends na kuwa na moyo wa kuvuta subira akidhani account ingesoma ndani ya siku 2 hizi) - ana mpango wa kuwaona bank kesho.

ANAHITAJI USHAURI (KUTOKANA NA HOFU YAKE YA PESA KUWA WITHHELD)
VERY EASY! Kwanza mwambie awe cool asiwe na papara na asiwe desperate!

1.Aombe benki statements hadi tarehe ya kesho j'3. whatever lakn accomodate ile siku aliyowekewa hela
2.Akaombe copy ya bank slip aliyowekewa hela

After that, ataangalia namna muamala unavyosomeka. Then itamsaidia kuchukua hatua zaidi

NB:
Si sahihi kwa benki kuchukua hela juu kwa juu bila kuonyesha kwanza kuwa imeingia kwenye akaunti ya mdaiwa. Kwa nn, ni kwa sababu benki hawajui chanzo cha hiyo hela hivyo lazima iwe reflected kwenye benki stetimenti za mwenye akaunti then ishu ya makato ndio sasa ianze. LAZIMA KWANZA IWE REFLECTED.
 
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Naomba kuongezea:

Kama hela haipo kwenye akaunti yeye hahusiki' ila aliemwekea ndie anaehusika. Na ndio maana nasema kuwa bank wanapaswa kurefelect ile hela kwenye statement za huyo jamaa ili kuondoa utata. Kwa kifupi kama hela hajapata napaswa kudeal na aliemwekea na aliemwekea atadeal na benki. NADHANI UMENIELEWA VEMA.
 
CHE GUEVARA-II

CHE GUEVARA-II

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CHE GUEVARA-II

CHE GUEVARA-II

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Nitamjulisha akawaone kwanza bank awajulishe kuwa salary imekuwa deposited lkn kwenye account yake haioneshi - tatizo ni nini? Wao pia kama hawajui ni kwa nini itabidi aombe Bank statement kwanza ya wiki tatu kuanzia trh 01 - 22 Dec, 2013 au mwezi mzima kabisa kuanzia trh 21 Nov - 21 Dec, 2013 ili a-verify na hatimaye aende kwa employer na kumwomba salary slip na AANZE KUKABANA NA EMPLOYER!
 
CHE GUEVARA-II

CHE GUEVARA-II

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CHE GUEVARA-II

CHE GUEVARA-II

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Naomba kuongezea:

Kama hela haipo kwenye akaunti yeye hahusiki' ila aliemwekea ndie anaehusika. Na ndio maana nasema kuwa bank wanapaswa kurefelect ile hela kwenye statement za huyo jamaa ili kuondoa utata. Kwa kifupi kama hela hajapata napaswa kudeal na aliemwekea na aliemwekea atadeal na benki. NADHANI UMENIELEWA VEMA.
Nitamjulisha akawaone kwanza bank awajulishe kuwa salary imekuwa deposited lkn kwenye account yake haioneshi - tatizo ni nini? Wao pia kama hawajui ni kwa nini itabidi aombe Bank statement kwanza ya wiki tatu kuanzia trh 01 - 22 Dec, 2013 au mwezi mzima kabisa kuanzia trh 21 Nov - 21 Dec, 2013 ili a-verify na hatimaye aende kwa employer na kumwomba salary slip na AANZE KUKABANA NA EMPLOYER!
 
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aduwilly

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aduwilly

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mkuu pole kwa yalokusibu najua itakuwa ni wewe tu.

Tukija kwenye hoja ya msingi, bank statement ndo kianzio kizuri kabla ya kuwaona hao jamaa wa bank kuhoji kuwa kwa nini hela imewekwa lakini balance haisomi kwenye atm. Pia lazima ajikumbushe kama hiyo balance inayosoma now ndo ile aloiachaga mwanzo au imepungua sana coz ka ina-range mlemle jua hakuna pesa ilowekwa.
 
CHE GUEVARA-II

CHE GUEVARA-II

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CHE GUEVARA-II

CHE GUEVARA-II

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mkuu pole kwa yalokusibu najua itakuwa ni wewe tu.

Tukija kwenye hoja ya msingi, bank statement ndo kianzio kizuri kabla ya kuwaona hao jamaa wa bank kuhoji kuwa kwa nini hela imewekwa lakini balance haisomi kwenye atm. Pia lazima ajikumbushe kama hiyo balance inayosoma now ndo ile aloiachaga mwanzo au imepungua sana coz ka ina-range mlemle jua hakuna pesa ilowekwa.
Balance aliyokuwa nayo ndani ya wk hii hata kabla ya tarehe ya kuwekwa salary anasema iko vile vile haijabadilika.
Na anasema hiyo balance nayo imelimwa leo jioni kama message hapa chini inavyojieleza:

"A transaction for TZS -10,979.06, AccNr: XX4306 completed via ARUSHA BRANCH on 22/12/13 17:03:12.Bal:TZS 0...."
 
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Nitamjulisha akawaone kwanza bank awajulishe kuwa salary imekuwa deposited lkn kwenye account yake haioneshi - tatizo ni nini? Wao pia kama hawajui ni kwa nini itabidi aombe Bank statement kwanza ya wiki tatu kuanzia trh 01 - 22 Dec, 2013 au mwezi mzima kabisa kuanzia trh 21 Nov - 21 Dec, 2013 ili a-verify na hatimaye aende kwa employer na kumwomba salary slip na AANZE KUKABANA NA EMPLOYER!
Mwambie pia nampa pole kwa usumbufu wote anaoupata, nampa pole kwa niaba ya wanajF wote!
 
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Barasu

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Barasu

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Balance aliyokuwa nayo ndani ya wk hii hata kabla ya tarehe ya kuwekwa salary anasema iko vile vile haijabadilika.
Na anasema hiyo balance nayo imelimwa leo jioni kama message hapa chini inavyojieleza:

"A transaction for TZS -10,979.06, AccNr: XX4306 completed via ARUSHA BRANCH on 22/12/13 17:03:12.Bal:TZS 0...."
Ungeweka wazi ni benki gani ningeweza kukushauri uwasiliane na nani akuangalizie kiulainiii...
 
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Barasu

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Barasu

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VERY EASY! Kwanza mwambie awe cool asiwe na papara na asiwe desperate!

1.Aombe benki statements hadi tarehe ya kesho j'3. whatever lakn accomodate ile siku aliyowekewa hela
2.Akaombe copy ya bank slip aliyowekewa hela

After that, ataangalia namna muamala unavyosomeka. Then itamsaidia kuchukua hatua zaidi

NB:
Si sahihi kwa benki kuchukua hela juu kwa juu bila kuonyesha kwanza kuwa imeingia kwenye akaunti ya mdaiwa. Kwa nn, ni kwa sababu benki hawajui chanzo cha hiyo hela hivyo lazima iwe reflected kwenye benki stetimenti za mwenye akaunti then ishu ya makato ndio sasa ianze. LAZIMA KWANZA IWE REFLECTED.
Mtoa mada, fuata ushauri huu. Umejitosheleza kabisa :)
 

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