Maxaa laga Sameeyaa Deynta amah - ijar wax ku ibsasho / sharud wax ku ibsasho
How to deal with Hire Purchase debt

Maxay tahay heeshiska ijar wax ku ibsasho / sharud waxa ku ibsasho.

Inkaasto dadka wax badan ka hadlan wax ku gadashada heeshis ijar wax ku ibsasho (hire purchase(HP)) hadana aad uma badna habkaan in wax lagu iibsado. Baabuurta aya ubadan waxa lagu kala gato heeshis ijar wax ku ibsasho ama heeshis sharutleh wax ku ibsasho (Conditional sale or hire purchase Agreements). Adiga alaabta malihid ilaa aad bixisid amahdi lagu heeshiyay oo dhan. Taas micnaheedu waxuu yahay, lama ay mid aha heshiisyada amahda cadiga ah (Ordinary Credit Agreement). Heshiisyada amahda cadiga ah alaabta aad ku gadato adiga iska lehe lagabilaabo waqtigi aad amahda qadatay. Qofka amahda lagaga qatay alaabta lama naqonkaro. Waxay kaliyo ku waydin karan inaad bixisid lacagta ay kugu leyehin.

Taas micnaheedu waxay tahay inaadan alaabtasi gadi karin ila u amahiyaha ku siyo qoral u kugu ogalanaayo in aad sii gadi kartid. Waa danbi in aad gadid alaabta fasax laan. Hubi noca heeshiiska aad deynta ku qadatay. Fiiri qoralkii aad kala saxiixateen.

Maxaa dhacaya haddan bixin kari wayo deynta?

Hadi aad gadaal uga dhacdiid waqtigi aad deynta bixin lahayd oo aad ku qadatay heeshiis ijar wax ku ibsasho (hire purchase) ama heeshiis sharutleh wax ku ibsasho (conditional sale), amahiyahu waxa dhaci karta in u dib u lanoqon karo alaabti. Fiiri heshiiskaad saxixday. Waxa ku jira sandug kuu sheegaya ilaa iyo inta aad u baahantahay in aad bixisid si aad uga hortagtid in amahiyahu u la noqdo alaabti isagoon amar Maxakamada ka helin. Taasi waa in ay ahato sadeex meelood meel xisaabti lagugu laha o dhan.

Haddi aad bixisay in kabadan sadeex meelood meel inti lagugu laha kabadan, amahiyahu waa in u aada maxkamada si u ula soo noqdo alaabtisi. Intaay ku imadaan iskama qadan karan alabta.

Xitaa hadi aad bixisay sadeex meelod meel inti lagugu laha kaliya, amahiyahu amar maxkamada laan kuma qadan karo alaabta meelkasto ay talo. Waxa taa kamid ah garaashkaga ama guriga deyrkiisa, lakiin haddi u baabuurkagu yalo jidka dhiniciisa ama meel baabuurta ladhigto oo dadka ka dhaxeeysa in ay qaatan aadoon ogeeyn ba dhicikarta.

Maxa dhacaya haddi u amahiyahu aado maxkamada si u ula soonoqdo alaabti?

Weli waxaa jira rajo in aad haysatid alaabti madama ay maxkamada leedahay awood ay kugu ogalato in aad deynta tartib tartib macaqul ah aad ku baxisid.

Hadii aad bixisay in kabadan seddex meelood meel daynki aad ku qaadatay heeshiiskaas amahiyahu waxuu waydiisan kara maxkamada inay ku soo dirto foom codis ah oo kugu waydinayso in aad alaabta kusoo celiso. Kasoo layirahdo amar wax soo celis,(Return Order). Waxa kale oo lasocda foomka waqtiga qareenka maxkamada degmada dhageesanayo arintaas. Meesha lagu qabanayana waa inay noqota maxkamada degmadaada.

Waxaa lasacon doona codisigoodaas foom ah in aad buxiso oo aad ku celiso maxkamada 14 maalmood dhexdooda. Waa in aad buxisa foomkas haddi aad rabtid in aad joojisid amarka kusoo celinta alaabta (Return of goods order). Si aad u haysatid alaabti waain aad u gaartid heshiis ah inaad deynta ku bixinaysid tartib tartib bishiba xooga aad awodid. Waa muhim in aad deytan tixgalin gaar ah sisid, tixgalin kaweyn taa sisid deynta Amahda Cadiga ah. Waana inaad balanqaadid in aad bixisid inta uga badan oo aad bixin kartid bil walba.

Foomka ku celi maxkamada markad buxisid. Maxkamadu waxay u diraysa kobi foomkaga amahiyaha. Haddi amahiyah ogolado Maxkamda ma jirayso. Haddi amahiyahu ku qanci waayo waxaa tiri waan bixinaya maxkamadii waa jiraysa, malinti ay idin qabatay bayna dhacaysa.

In aad maxkamada tagtid waa muhim. Maxkamada go'an bey ka gareysa in ay jojiso amarka ucelinta iyo in kale iyo inta aad bilwalba bixinnaysid, marka laga bilabo markas. Haddi aad buxin foomka maxkamada marwalba waa dhaceeysa. Haddi aadan tagi maxkamada, Maxkamada waxa laga yaaba in ay u xakunto amahiyaha, kuguna amarto in aad so celisid alaabta

Maxa dhacaya haddi aan bixiyay saddex meelod meel ka yar, amahiyahana u rabo in alaabtisi looso cesho?

Haddi aad rabtid in aad haysatid alaabta waa in aad lagartid heeshis ah sida aad ku bixinayasid waxii ay ahayd in aad bixiso bilwalba iyo wax aad ku darto oo aad ugu tala gashay lacagta kugu baaqatay. Haddi aadan bixin karin inti lagu heeshiiyay oo dhan bilwalba, waxa dhici karta in amahiyahu ka yareyo lakiin badana waxa lagaa yareynayo waa wax yar oo mudo yar soconaya. Haddi dhibato jirto waxad aadi kartaa maxkamada oo aad waydisan karta in lagaa yarayo bishi waxaad bixin jirtay iyo in laguu dheerayo waqtigi aad ku bixin laheed heeshisku. Taas waxa la dhaha "amar waqti go'an ah (time order)"

Maxkamadu waxay badana eegta in ay samayso amar waqti go'an ah (time order) ay ku yareyso lacagta in aad bixiso ah wagti koban haddi u daqligagu hoos u dhacey si jogta ah oo adna awood ullaheen in aad bixiso wax ka badan in aad u yar markiiba. Haddi sidaas tahay arintu waxaad ka tashata in aad awoodid in aad haysato alaabtas iyo in kale. Waxad u bahantay inaad ka tashatit sida ugu ficaan oo aad uga bixi lahayad heeshika.

Meeqa baa laygu lahaanaya haddu heeshiisku jabo?

Hadii ay noqoto in aad ku tashato in aad joogisid heeshis ijar wax ku ibsasho ama heeshiis sharutleh wax ku ibsasho (hire purchase or conditional sale agreement) Labo wax ba ku banan:

• In aad alaabta celisid

Ama

• In aad u dayso amahiyaha in u jabiyo heeshiiska oo u alaabta la noqdo.

Lacagta lagugu lahan doono marku heeshiisku jabo waxa dhici in ay kala duwantahey iyado eey ku xirantahay qaabka u ujoogsaday heeshiiska.

Aadiga haddad joojisay heeshiiska.

Haddi aad adigu goosatay in aad joojisid heshiiska si madax banaan oo aad alaabta u celisay amahiyihi, waxa waaye in aad bixisid ila iyo nus qaymihi heshiiskii hore aha, oo laga jaray waxii aad horey u bixisay lagu daray lacagti lagugu lahaa waqtiyadi aad gafta in aad bixiso intii loogu talagalay in aad markiiba bixiso iyo qaymiihi waxi kaxumaday alaabta(Xaladaha qarkooda)

Amahiyahaa joojiyay heshiiskii.

Haddi aad dib uga dhacdid in aad bixisid waxii lagu heeshiiyay, Amahiyahu waxuu joojin kara heeshiiska. Waa in ay kuu soo diran ogaysin inaad deyn bixinweyday (default notice) oo ku salaysan shariciga amah qadashada ee 1974 (the Consumer Credit Act). Markas bey waxay kugu amrayan in aad soo celisid alaabti. Waxa dhici kara in ay noqoto in aad bixiso qaymaha lagu heeshiiyay oo dhan oo laga jaray waxii aad horay u bixsay iyo qaymaha u amahiyihu ku helo marku gado alaabta.

Waxa dhacaya marka baabuurka lacesho?

Marka baabuurka u ku noqdo amahiyihi, waxay isku dayi karan inay helaan deynti kugu hartay. Deynta markaasi waxaa ula dhaqmi karta sidi deyn caadi ah(ordinary credit debt) ado u sheegaysid habka aad ku bixinayso adiga oo kusalaynaya waxa kugu haray iyo xaladdaada dhaqale. Haddi amahyahu diido inu aqbalo xaaladda aad u soo jeedisay wuxuu kugu dacweyn kara maxkamada degmada si u kaga helo waxa kugu haray. Haddi aad diidan tahay in ay kugu hartay inta u shegtay waa in aad warqad u qorta amahiyaha. Arintaan waxaay ku dhici karta iyago sheeganaya in aad dhib garsisay alaabta. Waa dhici karta in aad u bahatit in aad is difaacdid marka ay ku soo diran foomka qanshegadka ee maxkamada degmada. Haddi aad is difaacdid waxa jiridona in maxkamada deqmada qabato waqti ay dhagaysato dacwada, hallkaas oo qareenka degmadu(district judge) u go'an ka gari doono in u goamiyo inta aad qabtit. Qareenka waxa dhici karta in u goamiyo in aad qabtit kayar inta u amahiyahu sheeganayo. Markaa kadib waxad codsan karta in aad ku bixisid qayb qayb aad awoodid.

Waxa kalo dhici karta in amahiyahu lacagta kugu hartay u xisaab sado si an ahayan sida aan anagu u xisaabinay hoosna ku soo qornay. Teleefoon no soo dir hadii dacwo ka qabtit inta ay leyinin way kugu hartay.

Xafiska xaq wax kukala ibisashada(the office of fair trading) waxuu ogol yahey in sida aan u xisaabinay loo xisabiyo deynta lakiin amahiyayashu inta badan waa ka doodan.

Hadi aad wax kuqaadatay heeshiis ijar wax ku ibsasho ama heeshiis sharutleh wax ku ibsasho (a hire or conditional sale agreement) adna hubin waxa ay tahay in aad sameysid, Telefoon noo soo dir si aan kula talino. Waxa wanaagsan in aad gacanta ku haysid heeshiiski amahda markad nasoo wacaysid.

Heeshiis matalad ah

This document was provided by National Debtline

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