Momwe mungachokere ku Financial Credit Institutions?

kusiya ASNEF

Tulukani ku Maofesi A Zachuma Ili ndi limodzi mwamavuto omwe amasangalatsa anthu omwe pakadali pano ali pamndandanda wa omwe alephera kubungwe lino.

Ndikofunikira kuti deta yanu ichotsedwe mufayiloyi popeza akadali komweko, palibe banki, banki yosungira ndalama kapena bungwe lina lililonse lazachuma kapena la ngongole lomwe lingapereke ndalama zamtundu uliwonse.

Ndikofunikanso kukumbukira kuti limodzi mwamavuto akulu omwe anthu omwe adakhalapo kapena omwe akhala akupusitsika amakumana nawo wobwereketsa ndiye amene akuyenera kulumikizana ndi mabungwe azachuma, kuchotsedwa kwa ngongole.

Tsoka ilo komanso mosasamala, omwe amakhala ndi ngongole nthawi zambiri samatsatira udindo wawo, motero pamapeto pake ndi wobwereketsa yemwe amakakamizidwa kuti alankhule nawo.

Mwanjira imeneyi, ndikofunikira kuti munthu amene akuwonekera mndandanda wa olipira, mukhale amene mumapempha kuti deta yanu ichotsedwe kudzera mwa manejala. Woyang'anira ameneyu ndi amene akuyang'anira ntchito zonse zomwe zimafunikira pamaso pa Financial Credit Institutions, ndi cholinga chomaliza kuchotsera zomwe munthuyo ali nazo kenako inde, kuti athe kupeza ndalama.

Ndikofunikira kuti izi zichitike kudzera kwa manejala wapadera, popeza ambiri mafayilo opusa ali ndi "chizolowezi" choyipa chosunga makasitomala awo kuti azikhala "zero zero" kapena "olipidwa" Izi zikutanthauzanji? Kungoti kasitomala akupitilizabe kupezeka pamndandanda wa mafayilo pamodzi ndi dzina la wobwereketsa wakale.

Ndi njira yoopsa yowonetsera kuti nthawi ina, munthuyo sanali zosungunulira, zomwe Inde ndizosaloledwa chifukwa sikuloledwa kusunga zodetsa zakuti tsiku lina munthu amakhala ndi ngongole. Mulimonsemo, sitiyenera kuiwala kuti zomwe munthu angakwanitse kusungitsa zaka zoposa 6 sizingasungidwe.

Pakadali pano pali zinthu zingapo zomwe mungachite kuti mutuluke ku Financial Credit Institutions ngati mungakhale m'ndandanda wa omwe amalephera.

kusiya ASNEF

  • Perekani ngongole. Ndikulimbikitsidwa kuti chimodzi mwazinthu zoyambirira zomwe mungachite kuti mutuluke mu fayilo ya ASNEF ndikulipira ngongole yomwe mudawonjezeredwa pamndandanda wa omwe amalephera. Iyi ndi imodzi mwanjira zachangu kwambiri zochotsera deta yanu pa fayilo ya ASNEF, kuwonjezera poti muyenera kudziwitsanso kampani kuti mukufuna kusowa pa fayilo iyi.

Kumbukirani kuti m'nkhani 41.1 ya Royal Decree 1720/2007, zatsimikiziridwa kuti "kubweza kapena kusasinthika kwa ngongoleyo, kulola kuti kufufuta zonse zomwe zikukhudzana nayo zichitike nthawi yomweyo. Chifukwa chake, bungweli likuyenera kukhazikitsa kulumikizana ndi bungweli kuti lipemphe kuti zosungidwa zomwe sanalandire pakadali pano zichotsedwe.

  • Gwiritsani ntchito ufulu wa ARCO. Zinthu zina zomwe mungachite kuti mutuluke m'ndandanda wa omwe akulephera kubwezera ASNEF ndikuti mupindule nawo maufulu omwe ali mu Organic Law 15/1999 on Protection of Personal Data, pomwe ufulu wopezeka umadziwika, komanso kukonzanso, kuchotsa ndi kutsutsa, komwe kungapezeke ndi nzika zonse zaku Spain.

Poterepa, ndikofunikira kuti muzitsitsa fomu yoletsa kusungidwa patsamba lovomerezeka la Spain Data Protection Agency kapena, ngati kuli koyenera, pitilizani kudzaza fomuyo pogwiritsa ntchito PIN code. Pakadali pano, ndikofunikira kufotokozera chifukwa chomwe ufulu wofufuzira ukupemphedwa, komanso kukangana chifukwa chomwe akuwona kuti ngongoleyo siili yeniyeni, osayiwala kupereka zidziwitso zonse ndi zikalata zofunika kuti zithandizire zomwe zanenedwa.

  • Yembekezani kuti mbiriyo ichotsedwe. Ngati zonsezi sizinapeze zotsatira zabwino, pamapeto pake zomwe mungachite ndikungodikirira zaka 6 kuti deta yathu ichotsedwe mu registry defaulter.

Kumbukirani kuti nthawi yayitali kwambiri yomwe muyenera kuchita sungani zomwe munthu sanalipire mu fayilo ya ASNEF. Mwanjira imeneyi, pambuyo pa nthawi imeneyo, munthu akhoza kukhala wotsimikiza kale kuti dzina lawo, komanso chidziwitso chonse chokhudzana ndi kusapereka, chafufutidwa mu fayilo ya omwe akutsatira. Zotsatira zake, sizikhala ndi vuto lililonse pofunsa ngongole kubanki iliyonse kapena mabungwe azachuma.

Mafunso ofunikira okhudza ASNEF

kusiya ASNEF

Kwa anthu omwe pakadali pano ali ndi ngongole zomwe adalipira kale ndipo adalembetsa kale kapena adalembetsa kale ngati achifwamba mu fayilo ya ASNEF, mosakayikira pali zovuta zingapo, ngakhale ngongoleyo idathetsedwa kale.

1. Kodi ndingadziwe bwanji ngati ndikupezeka m'kaundula wa ASNEF?

Mukakhala ndi ngongole ndi kampani ndipo mukuti kampaniyo imatiwonjezera pamndandanda wa omwe amalephera kubweza ASNEF, musanatero muyenera kutumiza chigamulo chodziwitsa zolinga zanu kuti mutiphatikize pamndandanda wa ASNEF, ngati sitikudziwa kubweza ngongole yonse. Kuphatikiza apo, kampaniyo ili ndi udindo wotiwuza za kutulutsidwa m'masiku 30. Izi ziyenera kuchitidwa ndi makalata ovomerezeka.

2. Kodi ndizotheka kudziwa ngati ndikapezeka m'mabungwe azachuma?

Kufunsira kwa zomwe zili mu fayilo ya omwe akulephera kubwezera a ASNEF kulibe mtengo, ndi zaulere ndipo zitha kuchitika nthawi iliyonse momwe angafunire. Pachifukwa ichi, ndikofunikira kulumikizana ndi bungweli, mwina kudzera pa imelo, positi, ngakhale potumiza fakisi kapena kungotumiza foni. Ndikofunikanso kutsimikizira kuti ndi ife eni omwe akutipempherera.

3. Ndani angawone zidziwitso zanga mu Financial Credit Institutions?

Kwenikweni aliyense amene angafunse mwayi wopezeka ndi omwe amalephera kubweza akhoza kuwona kuti tili pamndandandawu. Kuti muchite izi, muyenera kukhala membala wa ASNEF ndikulipira mwezi uliwonse. Malipirowa amakulolani kuti mupemphe kuti woyang'anira ASNEF azisaka pamndandanda ndi cholinga chodziwa ngati zidziwitso za munthu aliyense zapezeka ndi chifukwa chake.

4. Kodi ndiyenera kuchuluka bwanji pangongole yomwe tingawonjezere ku Financial Credit Institutions?

Ngakhale zili zowona kuti palibe ndalama zochepa zoti munthu awonjezeredwe pamndandanda wa omwe amalephera kubweza ASNEF, ndichowona kuti pakhala pali milandu yomwe munthu yemwe ali ndi ngongole ya € 14 yokha, adawonjezeredwa osasintha mndandanda. Zotsatira zake, munthu amene samalipira ngongole yonse kapena ngongole, ndichachidziwikire kuti adzafika pamndandandawu.

5. Kodi zimakhudza bwanji munthu kuti akhalebe m'mabungwe azandalama?

Kuyambira mphindi yoyamba yomwe munthu amapezeka pamndandanda wa omwe akulephera kubweza ngongole za ASNEF, zimakhala zovuta kuti apeze ndalama zamtundu uliwonse, kuphatikiza ngongole, ngongole kapena ngongole yanyumba, ngakhale ndi yayikulu kwambiri kapena yaying'ono kwambiri. Chifukwa cha izi ndichosavuta, chifukwa chinthu choyamba kubanki iliyonse kapena bungwe lazachuma limachita ndikufunsira fayiloyo kuti aone ngati wopemphayo asokonekera.

6. Momwe mungafufutire zambiri mufayilo ya ASNEF?

Njira yokhayo, yachangu komanso yothandiza kwambiri yochotsera deta ya omwe akonza zolakwitsa mu ASNEF, ndikungolipira ngongole yonse. Tiyenera kumvetsetsa kuti ngakhale kusakhulupirika kukugwirabe ntchito, zambiri zathu komanso zachuma zipitilizabe kupezeka mu fayilo ya ASNEF.

7. Zimatenga nthawi yayitali bwanji kuti ndichotse deta zanga kuchokera ku Financial Credit Institutions?

Kusalipira kukathetsedwa, kampani yomwe idalandila ngongoleyo, ikuyenera kuchotsa zonse zomwe zidafotokozedwazo zomwe sizinaperekedwe pamndandanda wa omwe adalipira ASNEF tsiku lomwelo. Chifukwa cha njira zomwe zikuyenera kuchitika, ndizotheka kuti izi sizingachitike tsiku lomwelo, koma motsimikiza pakatha mwezi munthuyo sayeneranso kupezeka pamndandandawu.

8. Kodi ndipitilizabe kuwonekera m'mafayilo ena opulupudza?

Kwenikweni izi zimatengera kuchuluka kwamafayilo omwe wobwereketsa wakulembetsani, ngakhale chofala kwambiri ndikuti ndi munthu yekhayo amene amalembedwa mu fayilo limodzi la omwe amalephera. Komabe, ndalama zomwe sanalandire zitangotha, kampani yomwe adachita ngongoleyo, ili ndi udindo wochotsa mbiri yonse ya munthu amene ali mu fayiloyo.

9. Ndimangowonekerabe m'mabungwe azandalama, koma ndalipira kale ngongole yanga, bwanji?

Nthawi zina zimachitika kuti ngakhale kulipira ngongole, zomwe munthuyo akupitilira zimawoneka mufayiloyo, makamaka chifukwa lamuloli limalola kuti zinthuzi zisungidwe mpaka zaka 6. Nkhani yabwino ndiyakuti izi sizimachitika kawirikawiri chifukwa ndi mbiri yokha yomwe imapulumutsidwa.

 


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