Dulsaarka Deynka Ruqsadda haysta: Sida ay u Shaqeyso, Faa'iidooyinka iyo Qasaarooyinka

Running short of funds can make people desperate. So desperate they’d take loans from anyone, and it is people in precarious situations like this that fall prey to “licensed loan sharks”.

Laakiin tan ogow; ma jiraan “sharkooyin amaah liisan leh”, mid waa amaahiye ruqsad haysta iyo in kale.

Fikrad ahaan, haddii deyn -bixiye uusan ruqsad ka haysan FCA, isaga ama iyada waa shark amaah. Oo waa inaad ka fogaataa iyaga, waaba intaasoo ay “qaniinaan”.

Sababtoo ah dadku waxay sii wadaan inay ku dhacaan shimbirahaan, waxaan kaa caawin doonaa inaad fahanto sida “bahalladu” ugu shaqeeyaan maqaalkan.

Intaa waxaa sii dheer, maqaalku wuxuu ku siin doonaa kanaallo amaahda beddelka ah oo sharci ah iyo habraacyo.

Sidaa darteed, haddii aad jeclaan lahayd inaad fahanto waxa loola jeedo noqosho amaah, ama “modus operandi”, ama aad rabto inaad naftaada ka baxdo gacantooda haddii aad hore ula seexatay, akhri maqaalka ilaa dhammaadka .

Dhanka kale, waxaa laga yaabaa inaad rabto inaad eegto miiskayaga tusmada si dulmar guud loo sameeyo.

Sida laga soo xigtay Daveramsey.com: Daraasad dhawaan la sameeyay ayaa muujisay taas 80% of Americans waxaa lagu qabsaday silsiladihii deynta. 

Taasi waa tiro aad u badan! Si aad fikrad fiican uga hesho inta ay le’eg tahay, isku day waxqabadkan yar: Marka xigta ee aad ku socoto waddada, tiri 10 -ka qof ee ugu horreeya ee aad aragto.

Sida laga soo xigtay tirakoobyada, 8 ka mid ah 10kaas ayaa ku xiran deyn. Waxaa laga yaabaa inay u aragto qaar aan dhib lahayn, laakiin waxaa laga yaabaa inay burburiso nolosha dadka kale - sida waalidka keligiis ah ama carmalka.

Hordhac

Debt is one thing virtually everyone has experienced at one point in their life. Either you were or still are the borrower or the lender.

Debt is not necessarily a bad thing, why you’re in debt and how you service your debt is what matters.

Intaa waxaa dheer, meesha aad deynta ka hesho sidoo kale waa muhiim, waxayna samayn kartaa ama kharribi kartaa dhaqaalahaaga. Xagga sare, noloshaada.

Ameerika waa waddan weyn shaki kuma jiro, laakiin iyagana deyn baa lagu leeyahay.

Sida xaqiiqda ah, Bishii Diseembar 2020, ka deynta dadweynaha Mareykanka wuxuu ahaa ku dhawaad ​​27.75 tiriliyan Maraykanka doolar, in ka badan 4.54 tiriliyan in ka badan sanad ka hor, markii ay ahayd qiyaastii 23.2 tiriliyan Maraykanka dollars.

Si kastaba ha ahaatee, hadda ka hadli mayno arrintaas. Halkii, waxaan jeclaan lahayn inaan ka wada hadalno sharkooyinka amaahda.

Haddaba waa maxay ama waa kuma shark amaah?

Waa Kuma Shark Amaah?

Shark amaah waa deyn bixiye aan ruqsad haysan oo inta badan bartilmaameedsada qoysaska dakhligoodu hooseeyo ama kuwa naftooda ku jira waqtiyada adag.  

Dadka lacagta haysta ee ruqsada haysta waxaa nidaamiya Hay'adda Dhaqanka Maaliyadeed (FCA) waana inay raacaan xeerarka dhaqanka FCA. 

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Sharks -yada amaahda ah ma laha ruqsad waxayna ku shaqeeyaan si ka baxsan sharciga. Haddii aad ka soo amaahato waxay u badan tahay inaad:

  • Amaah ku hel shuruudo aad u xun
  • Bixi dulsaar aad u weyn
  • Ha lagu dhibaateeyo haddii aad dib ula noqoto lacag -bixintaada
  • Ku cadaadi in aad iyaga wax badan ka amaahatid si aad mid mid ugu bixisid mid kale

How Does Loan Shark Work?

Loan sharks like we said earlier re on licensed lenders who prey on financially disadvantaged desperate families to make a living. They usually charge exorbitant or high-interest rates.

Loan sharks can be very persuasive, sometimes they talk people into taking more money than they need. The idea behind that is, that when you take more than you can pay for, you end up defaulting.

Marka mid ka mid ah kuwa aan la bixin waxaa xitaa lacag badan u ah kalluumeysatada, maxaa yeelay danaha inta badan xanaaqsan ayaa sii kordhaya.

They offer dubious contracts to unsuspecting customers in a bid to ensure they falter.

Waa sharci -darro waxayna aqbali doonaan saamaynta shaqsi ahaan dammaanad -qaadid, iyo marka aadan bixin karin sida lagu heshiiyay, waxay ku hanjabaan rabshad.

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Sideen u tilmaami karaa Shark Amaah?

Sharks -yada amaahdu waxay ku shaqeeyaan xawaare, fudayd, iyo ku -habboonaan. Kuwani waa dhowr ka mid ah sababaha aan u dalbanno sharkiga amaahda. Iyaga oo leh cabbirkooda amaahda deynta ah iyo oggolaanshaha amaahda degdegga ah, way adag tahay in la yiraahdo maya.

However, it’s hard to escape the wrath of illegal money lenders once you’ve started dealing with them. Their lending has no end.

Here are other things that give loan sharks away:

Qandaraas Su’aal Leh Ama Qandaraas La’aan.

One of the red flags that loan sharks wave is not having a contract. When they do, is very questionable; usually too good to be true.

They include unfair clauses that are hard to spot, and these clauses end up hurting the borrower.

So whatever you do, read the contract properly and ask questions, when it’s not clear to you, flee!! For you’re dealing with a loan shark.

U Qaata Alaabada Shakhsi ahaan Sidii Damaanad

Sharks -yada amaahdu waxay ku weydiin doonaan saamayntaada shaqsiyeed ahaan dammaanad. Tani waa sharci darro waana in la soo sheegaa. Deyn -bixiye shati leh oo sumcad leh weligiis ma weydiisan doono hantidaada gaarka ah.

Aad u riixaya ama gardaran

Badi sharciyada amaahdu waxay leeyihiin afaf macaan, gaar ahaan markay kugu qancinayaan inaad qaadato dalabkooda. Intooda badan xitaa waxay gaaraan heer ay kugu dhiirigeliyaan inaad qaadato wax ka badan inta aan u baahan nahay. Waxay badanaaba adeegsadaan habab damiir laawe ah si ay dadka u saxiixaan heshiisyadooda, badiyaa sababtoo ah waxay og yihiin inay yihiin xalka ugu dambeeya. Sidaa darteed, gelitaanka heshiis kasta oo amaah ah waa in la sameeyaa ka dib markii aad looga fiirsaday.

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Loan Sharks Have High-Interest Rates And Additional Fees

Moneylenders need interest – it’s how they generate revenue. However, loan sharks will either charge the maximum interest rate allowed by law or try to nickel and dime you with additional fees, i.e. application fees, processing fees & deposit fees.

Badanaa Xalaal ma aha

Before taking a loan from any moneylender, we must cross-check for legitimacy. Any genuine lender should be listed as having current authorization or dated licensing to lend money.

Intaa waxaa sii dheer, waa inay FCA shati siisaa, haddii aysan ahayn, sharci ma aha.

Had iyo jeer hubi mareegaha wasaarada sharciga halkaas oo ay ku qoran yihiin dadka lacagta haysta ee liisanka haysta si loo xaqiijiyo sharcinimada.

Haddii aad mar horeba ku lug lahayd iyaga oo aan ogayn, ha ka baqin hadalkooda. U soo sheeg haddii loo baahdo ama marka ay ku hanjabaan rabshad.

Remember, as they are not legitimate, they have no right to recover debts.

What Do I Do If I Have Borrowed From A Loan Shark?

Haddii aad lacag ka soo amaahatey shark amaah, wax sharci ah kuguma aha inaad bixiso deynta. Haddii deyn -bixiye uusan FCA ruqsad siinin xaq sharci uma laha inay dib u soo ceshadaan.

Loan sharks sometimes frighten people by saying they’ll be prosecuted and even sent to prison if they don’t pay up. This can’t happen – not repaying a loan from an unlicensed lender isn’t a criminal offense.

Waa inaad la xiriirtaa xafiiska Heerarka Ganacsi ee deegaankaaga isla markiiba. Waxay kaa caawin doontaa inaad wax ka qabato xaaladdaada iyo sharkiga amaahda.

Siyaabo Kale Oo Lacag Lagu Amaahdo

Intii aad naftaada ku dhex milmi lahayd sharkiga amaahda, sahamin ilo kale oo lacag lagu amaahdo:

Haddii aad u baahan tahay deyn, mar walba u tag amaahiye shati haysta. Waxaa jira amaahiyayaal sumcad leh kuwaas oo ka fiirsan doona inay ku amaahiyaan xitaa haddii dakhligaagu hooseeyo, qiimeynta amaahdaadu liidato ama aad u baahan tahay qaddar yar oo keliya muddo gaaban.

Waxaa laga yaabaa inaad weli bixiso dulsaar aad u sarreeya laakiin Xeerka Deynta Macaamiisha ayaa dabooli doona heshiiskaaga amaahda.

Had iyo jeer ku dukaamee si aad u hesho sumcad - sababta oo ah dayn -bixiye ruqsad haysta micnaheedu maahan inaad heshid heshiis wanaagsan.

Haddii aad tahay qof dakhligiisu hooseeyo oo aad u baahan tahay inaad wax yar amaahato waqti yar, fiiri deyn -ururinta hay'adda amaahda.

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Ururada amaahda encourage you to save what you can and only borrow what you can afford to pay back.

The most you’ll pay in interest is one percent a month, so interest on a $100 loan won’t be more than $1 a month.

Additionally, you can meet your HR department, to know if your employer has a lending scheme.

Haddii ay sidaas sameeyaan, waxaa laga yaabaa inay awoodaan inay bixiyaan amaah waqti gaaban ah ama gargaar. Waxay noqon kartaa qaab hormaris ah oo ku saabsan mushaharkaaga ama saacadaha dheeraadka ah.

Halkii aad u tagi lahayd shark amaah ama xitaa amaahiyeyaasha shatiyeysan hubi siyaabo badan oo deyn lagu helo:

Siyaabo Badan Oo Lacag Lagu Amaahdo

U bililiqeyso adeeg -bixiyehaaga, iyadoo laga yaabo in kaalmadoodu aysan lacag caddaan ah gacmahaaga ku jirin, waxay kaa caawin doontaa inaad wax yar keydsato.

Bixiyeyaasha adeeg -bixiyeyaal badan ayaa leh qorshayaal iyo deeqo loogu talagalay dadka jira la daalaadhacaya gaaska ama korontada.

Xitaa waad u qalmi kartaa Bixinta Shidaalka Jiilaalka qorshe kaa caawin kara inaad maareyso qiimaha kororka bilaha qabow.

Sidoo kale, tixgeli inaad kaalmo weydiisato dowladda. Waxay bixin karaan caawimaad sida lacag lagu daboolo cuntada iyo kharashaadka degdegga ah.

Websaytka dawladda ayaa haya macluumaad ku saabsan sidaad hore ugu heli lahayd gunnadaada gargaarka hore. Waxaad kaloo talo ka heli kartaa xulashooyinkaaga Jobcentre Plus.

Si kastaba ha noqotee, haddii aad horeba deyn ugu leedahay deyn -bixiye shati haysta, inta badan welwelkaagu waa inuu noqdaa sida loo bixiyo. Sahan kuwan Fikradaha quruxda badan ee lagu bixinayo Deynta si ka dhakhso badan sidii hore.

Faa'iidooyinka Qasaarooyinka
Loan sharks give you easy access to loansThe loans come with high-interest rates
Xayawaanka amaahda ah waxay aqbalaan saamaynta shaqsiyeed ahaan dammaanadOggolaanshaha saamaynta qofka sida dammaanad -qaadyada
Ma daneeyaan dhibcaha dhibcahaagaSharkiga amaahdu wuxuu ku siinayaa qandaraasyo shaki leh
Waxay deyn kuugu diyaarin karaan waqti gaaban.Sharks -yada amaahdu waxay kugu dhiiri gelin doonaan qaadashada amaah ka badan inta aad u baahan tahay

Gunaanad

The issue with unlicensed lenders otherwise known as loan sharks isn’t with getting loans from them, rather, it is with what happens if you’re not able to pay them back.

In kasta oo dadka qaar ay si dhib yar u aadi lahaayeen guri kasta oo maaliyadeed si ay deyn u helaan, haddana waa in la ogaadaa in dhammaan hay'adaha maaliyadeed aysan haysan oggolaansho ama ruqsad bixinta amaahda.

Therefore, you might find yourself entangled with a “licensed Loan Shark” when this happens, do not cower for they cannot bite.

Loan sharks are not empowered by the law, therefore, they cannot recover debts, for this to be possible you must follow the instructions we have given above.

Talooyin

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