Heyadaha Warbixinta Amaahda
Credit Reference Agencies

Maxay Heyadaha Warbixinta Amaahda qabtan?

Heyadaha Warbixinta Amaahda waxay hayan waraar tafatiran oo ku sabasan Heeshiisyo Amaahda, lacago Amaah aan la bixinin, Qofka Amaahda bixinwayay oo Maxkamada Degmada ku xakuntay[ county court judgment] in u bixiyo iyo warbixinta dadka codkooda bixinkara lisskoda [electoral register]. Amaahiyahu waxuu kaliyo gudbin kara warbixin laxirirta heeshis amaah iyo lacag lagugu leeyahay haddi ay kuu sheegan in ay dhici karto in ay warkaas gudbinayan. (Sheegidaasu waxay badana la socota Heeshiiska Amaahda). Haddu sidaas sameeynin waxu jabiyay qaynunki ilaalinta wararka aad haysid (Data Protection Act).

Amaah bixinwa darted maxkamada lagugu saaray si toos ah bu diwanka u galayaa waxuuna ku jiraya muddo lix sano ah

Hayadaha Warbixinta Amaahda waxay bixiyan warbixin xaqiq ah oo lagu ogaysiiyay si ay shirkaduhu goan uga gaaran in ay amaah ku siyaan iyo in kale. Maay laha liis madow oo ah dadka aan deyn lasiin karin [black list]

Qaymeynta in deyn lagugu amini karo iyo in kale

Marka u amaahiyahu fiirinayo in amaah qof siyo iyo inkale waxuu fiirsha da'daada, shaqadada iyo in aad guri ledahay iyo inkale. Waxa kale oo xisaabta ku daran in aad Diwanka dadka codkooda bixinkara (Electoral Register) ku jirtid. Tan waxaa laga yaba in ay muhim u tahay amaahiyha go'an kiisa ah in u amah ku siiyo iyo in kale.

Laga bilaabo 16/2/01 waxad codsankarta in aad gasho diwanka dadka codkooda bixinkara (Electoral Registor) waqti kasta oo sanadka kamid ah. La xiriir golaha degmadada (council) si ay tafasiil kaga siyaan.

Amaahiyaha waxa dhici karta in ay siyan dibco warbixin kasta oo ay ka hayan oo ay markaas isku daran oo ku siyanqaymayn in deyn laguguaminikaro iyoin kale. Haddi ayan qiimahaas ka sareeynin shirkadaas heerkeeda lagu gudbo, in lagu diido deyn baa dhici karta. Qaymetasu waxa lagu darikara hayadaha warbixinta amaahda warbixintoda.Amaahiye kasta waxuu amaahda ku bixiyan qab u gaar ah.

Marwalba oo aad amaah dalbatid, bariis (search) baa faylkaaga korkiisa ku qoramayo. Haddi aan marar badan laga tirtirin bariisyo badan baa ku dhigmi karta (credit scoring) iyadoo ku xirantahay hayada warbixinta amaahda oo la isticmalay.

Waydii amaahiyaha in ay isticmalayan qiimeyn in deynta lagugu amini karo (credit scoring). Haddi ay shirkadu isticmasho hab kombiyutaraysan, waa in ay fagrad kaa siyaan sidaay uqiimeyan in deyn lagugu amino [credit scoring ] iyo wax yaabaha ay tixgeliyeen markii ay arintaasi fiirinaayeen. Haddi ay goosteen in ay deynta ku diidan waa in ay kuu sheegan haddi ay tahay qaymeyn todii iyo haddi ay sababo kale kugu diideen sida warbixin ay ka helen faylkaga amaahda. Haddi goanka lagu gaaray hab qiimayn kombiyutar, waxaa dhihi karta markale eega codsigayga. Marka labaad waa in gacanta lagu sammeyo oo aan kombiyutar la isticmalin. Waxa dhici karta in aad u baahatid in warbixin siyado ah aad siisid oo ka cawiya codsigaaga.

Maxan sameeyn kara haddi la iidido amaahda?

Haddi amaah lagu diday, waa in aad waydiisa amaahiya hayada warbixinta amaahda ay la tashteen iyo inay sababta lagugu diiday ay warbixinti hayada warbixinta amahda tahay. Warqad ba hayadaasi u qorikarta aad ledahay koobi faylkayga ah ii soo dira kuna dar £2.00 warqada. Waxay u bahan yahin magacaaga, ciwaankaaga iyo ciwaanadii aad lixdii sano lasoodhafay aad ku nooleyd. Haddi ay warbixinta ay kaa hayan qalad tahay waxad xaq u leedahay in aad waydisatid hayadda inay saxaan ama qaladka kabixiyan warbixinta.

Waxa jira hada seddex hayadood oo waaweyn oo warbixinta amaahda lana kala yirahdo Experian (awal loo yaqanay CCN), Equidax, iyo Call Credit plc. Waa in aad ogato warbixintoda o dhan wayo warbinada qaarkod waa kala duwanaan karaan.

Ciwaanadodu waa:-

Experian Ltd
Consumer Help Service
P.O box 800
Nottingham NG1 5GX
www.experian .co.uk

Equifax Plc
Credit file advice service
P.O box 3001
Glasgow G81 2DT
www.equifax.co.uk

Call Credit Plc
Consumer Services dept
Park Row House
19-20 Park Row
Leeds LS1 5FJ

Maka dacwoon kara amaahiye haddi amaaha ii dido?

Nasiib xumo, wax xaq toos ah oo qasbaaya in wax lagu amahiyo majiro. Shirkadaha qarkooda waxay bilaaben in tafaasil kaa siiyaan sida wax ay kugu dideen taaso kugu cawinkarta in aad ogatid sababaha. Haddi qiimaynta (Credit scoring) la isticmalay shirkadu waa in ay ku sisa sababaha guud oo qimantada. Waxa kalo aad xaq u leedahay in aad waydiisatid in gacanta lagu sameeyo haddi kii hore kombuterku sameyay. Fiiri qaybta qiimaynta in deynta lagugu amini karo iyo in kale (Credit scoring). Intaa ka dib waxa kaliya oo xaq u leedahay in aad heshid magici hayada warbixinta amaahda oo u amaahiyaha latashtay. Waa la xiriiri karta shirkadii mar labaad hadi aad saxday qaladka kujiray faylkaga warbixinta amaahda si ay u fiirshan codsigagii mar kale. Haddikale waxay noqonaysa in aad raradiisid sidaad u heli lahyd cid kale oo amah kusisa iskana fiiri faaidada ay kugu soo dalacyan iyo sharudaha amaah kasta.

Iska jir marwalba oo aad codsi sameeysid baaris (search) cusub baa faylkaaga lagu qorayaa. Dhib bay ku keeni karta haddi baaris badan ka soo baxdo faylkaga.

Ma waydiisan kara in warbixin laga tirtiro faylkayga?

Hayadu waxay warbixinta ku dhaafeeysa faylkaga ila iyo lix sano. Warbixinada ay haynayso waxa ka mid ah:-

• Xisaab amaaheed labixin wayay (default): Tafasiishan lix sano kadib taarikhdi la bixin wayay deynta (default) baa la tir tirayaa.

Xisaab lala dahay ama la bixiyay: Kuwaan waxa la tiritiraya lix sano kadib taarikhdii xisaabta la bixiyay ama markii qaybti ugu dambeysay la bixiyay hadi amaahda la bixiyay intaan la diwan galin amaahda in la bixin wayey (default).

Tani micnaheedo waa in ay noqota xita haddi aad bixiso deynti 6 sano ku dowaad kadib markii amaah la bixin wayay(default), deyntaas waxa faylkaga laga tirtiraya 6 sano kadib taarikhidi lagu qorey in amahda la bixin waayay (default).

• Amarka hanti dambe in aadan laheen (aad masaluftay) (bankruptcy orders): kuwaan sida badan waxaa latirtira 6 sano laga bilaabo taarikhdi lagu qoray, lakiin waxa dhici kara in intaas ka badan inay faylka ku jirto.
• Xakun Maxkamada Degmada (county court): kuwaan sido kale beey 6 sano faylka ku jiraysa lagabilabo taarikhidii xakunku dhacay.

Hayadaha warbixinta amaahda ma haayaan tafasil ah ganaaxyo maxkamadeed, ama deymaha canshurta golaha degmada (council tax)

Xag uma lahid in warbixin run ah laga saro faylkaga. Warbixinta qof ama dadka ku qoran diwaan ka dadka codkooda bixin kara (electoral roll) in ay gurigaga dagan yahin way ku jirta warbixinta lagamana bixinayo xita haddu qofkii guray.

Ogayasin saxid

Waxa waaydisan karta hayada warbixinta amaahda in ay ogaysin ila 200 eray ah ay geliyaan faylkaga sababta aad u gashay deynta iyo in warbixinta ku jirta faylkaaga ay beentahay . Waxa rabi karta inaad sharaxdid ka bixisid xaladada dhagaale markaas iyo waxay hadda xaladada uga duwaantahay. Ogayasintan waxa arkaya qof kasta oo aqriya faylkaaga sida amahiye markad dalbatid amaah- go'anka amaahda waxaa badaana sameeya kombayutar. Haddi ay ogaysin saxiid ay ku jirto faylkaga, codsigaga qasab waxa go'an kagaaraya qof meeshi kombayutarka.

Dadkale Tafaasiisha amaahdooda malagu dari kara falkeeyka

Hayadaha warbixinta amaahda ma aha inay ku daran warbixin ku sabsan dad magicyadiina kala duwan yahin oo an kula nooleeyn sidi inay qoyskaaga kamid yihin markay warbixin sinaya amaahiye. Tanu markaas waxay noqon karta in tafaasiisha amaahda ay leyihin dad guriga deganan jiray, ama qolo seddexaad sida dad gurigaga wax ka ijartay. Haddi aysan jirin wax cadeynaya inaad xiriir wadagtan sida:

• Waxa kawada tirsantihin hal reer

Iyo

• Haddi aad isula nooshihin sidii idinko isku reer ah.

Iyo

• Wax dhaqalo ah idinka dhexyan

Haddi aadna dalbaan Ogaysin in Aydan Wax isu Ahen (notice of disassociation) (fiiri hoos)

Ogaysin in Aydan Wax isu Ahen

Haddi u jiro warbixin ku jirta faylkaaga o ku sabsan dad aydan waxba wadagin oo aan dhaqalo idinka dhexynin,waxaa warqad u qorikarta hayadda oo aad u sheegaysid inaydan wax isu ahen (disassciotion) adiga iyo dadkaas, sharaxna sababahaga. Haddi ay hayadu diido in ay aqbasho ogaysintaada waxa waydin karta madaxa Hayada Ilalinta Wararka La Urursho (Data protection).

Ciwan kana waa sidan:

The office of the Information Commissioner
Complaints dept
Wycliffe house
Water lane
Wilmslow
Cheshire SK9 5AF
Tel: 0162 554 5745
www.dataprotection.gov.uk

Diwanka Xakunka Maxkamada Degmada

Haddi aadna hubin inaad ledahay wax xakun Maxkamada Degmada ama in xakun kii laga diwan gashay diwanka Maxkamada Degmada, waxa sameeyn karta baariss ah magacaga iyo ciwaankaga. Inta badan xakumada Maxkamada Degmada (county court) waxay ka diwan gashan yihin diwanka Maxkamadah Degmada (county court).

Ciwan kooduna waa

173 - 175 Cleveland Street
London W1P 5PE

Waxa jira qiimo £4.50 haddi warqad bostada aad ku soo dirtay lagugu barayo diwanka halkii magac ama cinwaan.

Bixinta lacagti lagugu xakumay

Haddi ay Maxkamada Degmada (county court) xakun koodi aad wada bixisay waxa waydiisan karta Maxkamada Degmada (county court) inay ku siiso Aqoonsi ah in aad wajibkagi gudatay (certificate of satisfaction). Waxa waye £10.00 in labixiyo (wixi ka danbeya 26 Abril 1999) si loo helo warqadan. Waxa kalo lagaa raba in aad kentid cadayn in aad deynta wada bixisay, ayadoo lagu daray qarashyadi dheradka aha ee Maxkamada (badanaa waa warqada cadeeynta oo shirkadaad deynta ka qabtay ku siso). Marka shahadada ah in aad wajib kagii gudatay lagu siyo, Maxkamada waxay markaas u diraysa diwanka iyaguna si toos ah beey u diwangalinayan in wajibkagii gudatay. Tan waxa marka loo gudibinaya Hayadaha warbixinta amahda. Xakunka waxu ku jiraya diwanka lix sano ila iyo malinti xakunka dhacay. Haddi isla markaas aad shahada heshid faylka waa lagugu dhigaya.

Waxa kaliyo diwanka laga bixinaya haddi:

Haddi aad bixisay deynti bil gudaheed markii xukunkagii Maxkamada degmada (county court) diwanka lagashay,

Ama

Haddi xakunku Maxkamadu baabisay. Tan waxay kaliyo ku dhici karta sababo gaar ah sida: Haddi aadan ka warqabin xukunka wayo warqadaha Maxkamadu kuma soo garin. Waxan hayna warsugan oo ku saabsan sida loo baabiyo xakun Maxkamada Degmada (county court) ayadoo loo marayo Maxkamada Degmada.

Shirkadaha dhaya amaahda ma i cawin karan?

Waxa laga yaba in aad maqashay in ay jiran shirkado dhahayo Faylkaagan deynta ka tiriyana si aad deyn u qadatid marka rabtid. Iska jir,waxaa laga yaba in aad lacag ku bixisid wax aad adiga sameeysan kartid. Shirkadaha deynti lagugu laha dhaya lacag bay kaa qadanayan, badanaana waxay kuu soo dirayaan baakat warbixin ah o ku shegaysa sida aad u heli kartid kobi faylkaga deynta iyo sida aad uga baxaysid xakunka maxkamada degmada(county court). Waxaa ubahantahay in aad ka taxarto lacagta aad sinayso shirkad bayac mushtar ah oo ku dhaheeysa xakun maxkamadad beya ka baabi'in karan. Haddi aad maxkamada degmada (county court) ka dalbatid inay dhan u dhigan ama baabiyan xakun adon sabab runah hayan, waxay ku keeni karata dhibato in maxkamada kaga timado. Waxan ognahay in xafiiska in Xag Lagu Kala Bayac mushtaro iyo xafiska Qarrenka Guud ee sharciga ay labaadu ba baarayan shirkadaha dhaya deynta. Haddi aadan ku faraxsaneyn sida shirkadahaas midood kuula dhaqantay udacwood xafiiska ilalinta Xeerka Bayac Mushtarka ee degmadada(council). Waxa kalo fiirin karta website shirkadaha warbixinta deynta

WWW.UKCREDITREPAIR.CO.UK

Kuwaaso warbixin badan ka haya shirkadaha deynta dhaya iyo waxaad iska jirayso.

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