Oku kuthi que le akhawunti yebhanki ayisekho okanye que les idatha enikezelweyo ngexesha lobhaliso ayichanekanga.
Ngendlela, Uliqhumisa njani ityala le-EDF? Ukuba kunjalo kunye neyakho I-invoyisi ye-EDF kubonakala kugqithisile kuwe, kufuneka uqhagamshelane nenkonzo yabathengi EDF ngomnxeba kule nombolo 09 69 32 15 15. EDF uya kukhathalela ukulungisa i bill ngolwazi olunikiweyo ngexesha lokuzifundela.
Indlela yokuzikhusela kwi-EDF? Kwimeko yengxabano kunye nomthengisi wakho onxulumene nokungasebenzi kakuhle kwemitha EDF, ukukulungela ukuphendu- kufuneka ibhekiselele kwi-ombudsman yezamandla kazwelonke. Kuhle ukwazi: Ukuba ukungasebenzi kakuhle kusebenze ngokuthanda kwakho kwayeEDF uyayiqonda ingxaki, unokuqhubekeka kuhlengahlengiso lwee-invoyisi.
Kwenziwa nini uhlengahlengiso lwe-EDF? Ngokubanzi, unokukhetha ukuhlawula amatyala akho EDF qho ngenyanga okanye iinyanga ezimbini. Oku kusebenza kwiinyanga ezili-10-11. Ngexesha lenyanga eseleyo (okanye ezimbini), umthengi ngamnye uya kufumana i-invoyisi yakhe ukulungiswa ebonisa ukusetyenziswa okuphezulu kunoqikelelo ukuze kuqhutyekwe nembuyekezo.
Nangona kunjalo, ungenza njani umzobo okhuphisiweyo?
Unako umngeni i-debit ngqo, oyigunyazisileyo, nokuba siyintoni na isizathu. Unethuba leeveki ezisi-8 ukusuka kwidebhithi kwi-akhawunti yakho ukuze ucele ibhanki yakho ukuba iyibuyisele imali oyitsalileyo.
Ngowuphi umhla wokugqibela wokukhuphisana nedebhithi ngqo?
Umngeni intengiselwano evela kwingxelo yabo de compte
Ukuba umyinge we-a isampuli idlula imali elindelekileyo, kufuneka uyixele kwibhanki yakho, ngaphakathi Nceda Iiveki ezisi-8. galela iintengiselwano ezingagunyaziswanga okanye ezenziwe ngokungafanelekanga, Umda wexesha Est de Kwiinyanga ezili-13 emva komhla wokutsalwa kwemali.
Ndiyikhaba njani idebhithi ngqo? Ukuqinisekisa ukuba a isampuli ukuza akusayi kuhlawulwa, kufuneka uthumele isicelonenkcaso kwibhanki yakho ngembalelwano, ngokukhethekileyo ngeposi ebhalisiweyo evuma ukuba uyifumene, ichaza iimpawu ze isampuli kwingxabano (umbolekisi, inombolo yomniki, isixa, umhla).
Uyibuyisela njani idebhithi exhaphazayo? Ukurhoxiswa okungafanelekanga : indlela yokubuyiselwa imali ? Enyanisweni, umthengi okhathazekileyo kufuneka aveze sa isicelo buyisela imali à sa yebhanki phambi kokuphela kwethuba leeveki ezisi-8 eliqala ngomhla wokutsalwa kweemali.
Ndiyikhaba njani idebhithi ngqo?
Eyona nto ilula kukuthumela isicelo sokurhoxisa kumthengisi, umcela ukuba anganikezeli isampuli. Esi sicelo kufuneka senziwe ngeleta ebhalisiweyo echaza umntu otyalwayo kunye nereferensi yesigunyaziso esisodwa (RUM).
Ndiyirhoxisa njani idebhithi esele yenziwe? Ukuphelisa ukudlula kwe isampuli : Akusekho mfuneko ukurhoxisa ukutsalwa kwemali ngokuthe ngqo rhoqo kunye nomthengisi wakho kunye nebhanki yakho. Ukusukela ngo-2014, ekuphela kwento ekufuneka uyenzile kukuqhagamshelana nomthengisi wakho ngesicelo, kukhethwa ukuba ubhale ileta ebhalisiweyo evuma ukuba usifumene irisithi.
Ngaba kunokwenzeka ukuchasa ukutsalwa kwemali ngokuthe ngqo?
Ukuqinisekisa ukuba a isampuli ukufika akusayi kuhlawulwa; il kufuneka angenise isicelonenkcaso kwibhanki yakho ngembalelwano, ngokukhethekileyo ngeposi ebhalisiweyo evuma ukuba uyifumene, ichaza iimpawu ze isampuli kwingxabano (umbolekisi, inombolo yomniki, isixa, umhla).
Ndiyichasa njani i-debit ngqo nge-Intanethi? Ungena kwindawo yakho yabathengi Internet(1) ukufikelela kwindawo yakho Imizekelo. Ubhalisa isicelo sakhonenkcaso kwi isampuli SEPA kwithebhu yeMisebenzi kwaye uyaqinisekisa. Kwithebhu yabaTyala, ungacela ukurhoxiswa kwegunya legqwetha isampuli YAZI.
Ndiyichasa njani idebhithi ngqo kwi-intanethi?
Ukucela umngeni a isampuli SEPA, yiya kwindawo yakho yoMthengi, icandelo Imizekelo, ithebhu yemisebenzi. Khetha i isampuli SEPA apho ufuna khona ukuchasa, emva koko ucofe iNtengiselwano yeDispute. Ingxabano yakho ibhalisiwe.
Ibhalwa njani ileta yokuchasa?
Nkosikazi, Mhlekazi, Emva kokuphulukana nekhadi lam, ndiye ndaqhubeka ngomnxeba kwisicelonenkcaso embindini wenenkcaso, ngo (faka umhla). Ndiyasiqinisekisa isicelo samnenkcaso, yaye ndikucela ngobubele ukuba uhlaziye ikhadi lam.
Ndiyicela njani imbuyekezo ebhankini? Qhagamshelana nebhanki yakho ukuze uchaze impazamo kwaye cela ukubuyiselwa imali. Oku kunokwenziwa ngomlomo kunye/okanye nge-imeyile ebhalisiweyo. Ukuba akukho mpendulo inikezelwayo, umthengi unokuqhagamshelana nesebe lezikhalazo le bank okanye umphathi wesebe.
Ndiyicela njani imbuyekezo ebhankini? Pha bank ke ngoko unyanzelekile ukuba azihlonele. Uneenyanga ezili-13 zokubanga buyisela imali ngelixa iziko lezemali kufuneka libuyise iimali ezifunekayo okanye ubuncinane ingcaciso kwimeko yokwaliwa, kwiintsuku ezilishumi zokufumana kwakho. isicelo.
Yintoni ukurhoxiswa kweDebhithi eNgqo?
La ukurhoxiswa lexesha le irhafu eqinisekileyo. Oko ikukuthi que le umntu otyalwayo (okanye ibhanki yakhe) ayisakwazi ukutsala imali ye-invoyisi ngaphandle kwesivumelwano sakho sangaphambili. Zonke iintlawulo ezizenzekelayo ezilandelayo ziya kwaliwa.
Ungayibhala njani iCaisse d'Epargne? Uluhlu olumnyama
Ukuba ufuna umntu otyalwayo akwazi ukutsala imali kwakhona, kufuneka uphakamise inkcaso kulo mboleki kwaye usayine isigunyaziso esitsha kunye naye. Le miyalelo ayihlawuliswa nguwe IBhanki yokonga, ngokwemiqathango yerhafu esebenzayo.
Indlela yokuchasa intlawulo ngekhadi letyala kwi-intanethi?
Rhoxisa intlawulo en ligne
Ukuba wenze i inkokhelo kunye neyakho ikhadi lebhanki kwi-intanethi (umzekelo: ukuthengwa kwempahla okanye iinkonzo kumthengisi we-imeyile), isenzo so inkokhelo ayinakuguqulwa kwaye ayinakurhoxiswa ngaphandle kwakwiimeko zokusetyenziswa ngobuqhophololo.
Ndilichasa njani irejistri yenkundla? Apho ubonisa khona eyakho nenkcaso ? Eyakho nenkcaso inokuziswa nokuba kungesibhengezo kwi uxhulumaniso yenkundla ekhuphe lo myalelo, okanye ngencwadi ebhalisiweyo ebhekiswa koku uxhulumaniso. Umhla othathelwe ingqalelo ngowokubhengezwa okanye umhla wokuthunyelwa kweleta ebhalisiweyo.
Ndiwucela njani umngeni umyalelo?
La kuzobe d'une umyalelo ukuhlawula kwenziwa ngeleta eya kwinkundla ekhuphe lo myalelo. Ukulibaziseka kwe kuzobe, inyanga enye, ebaleka kwinkonzo yomyalelo weumyalelo ukuhlawula. Ukungaphumeleli koku, ixesha liqala kwisenzo sokuqala sophumezo ngokusekelwe kulo myalelo ukhankanyiweyo.
Ndiluphikisa njani uluvo lomsizi wesikhonzi? Kufuneka uqhagamshelane nonobhala oyintloko wenkundla yenkundla okanye inkundla yengingqi ephantsi kolawulo lwenkundlaumncedisi wenkundla wenza imisebenzi yakhe. Emva kwalo naluphi na ulungiso, unobhala wenkundla oyintloko ukunika isiqinisekiso soqinisekiso ukuze waziswe kwiumncedisi wenkundla, enenyanga enye ukuya umngeni.
Indlela yokubhala ileta yesikhalazo ebhankini?
Ndiyazivumela ukuba ndikucele ungenelelo lwakho kwingxabano endinayo (chaza igama le-arhente), eku (idilesi). Enyanisweni, ndingumnini wenombolo ye-akhawunti (bonisa inani le-akhawunti yakho yediphozithi) kwaye ukususela (umhla), (chaza ngokuchanekileyo ingxabano).
Indlela yokubhala ileta yesikhalazo? 3. Izimvo sa incwadi yesikhalazo ?
- iinkcukacha ezipheleleyo zoqhagamshelwano zomthumeli (isazisi nedilesi yeposi);
- iinkcukacha zoqhagamshelwano zomamkeli;
- umhla wanamhlanje;
- injongo ye incwadi kunye nesizathu sokuba isikhalazo ;
- isishwankathelo esifutshane semeko;
- izenzo ekufuneka zenziwe;
- umsayino womthumeli.
Ndiyisusa njani imirhumo yogcino lwe-akhawunti?
amagqabantshintshi sukuyihlawula i imirhumo yokulungisa i-akhawunti ebhankini?
- Qhagamshelana nomcebisi wakhe.
- Thumela ileta yokulandula iindleko ibhanki ngeposi ebhalisiweyo kunye nokuvuma ukuba uyifumene.
- Ukuba oku akwanele, kuya kufuneka ukubiza umlamli webhanki.