Abanikazi bezikhathi zangaphambili uHenry noGillian Brown (amagama ashintshiwe ngokwesicelo sakhe) babelana ngohambo lwabo, okuveza ukwenyuka kwesondlo okushaqisayo endleleni.
Umlando wokuthenga
UHenry: “Saqala ukuhambela isethulo sokuthengisa se-GVC e-Exeter eminyakeni engaphezu kwengu-20 edlule, futhi sasebenzisa cishe u-£3,000 ukuze sithenge amaphuzu angu-20 umthengisi asitshele ukuthi azokwanela izidingo zethu zamaholide.”
UGillian: “Satshelwa ukuthi uma sivumelana nezimo futhi sisebenzisa ‘amaviki engeziwe’ ashibhile angu-£99 amaphuzu angu-20 azosinika amaholide esiwafunayo. Baphinde basitshela ukuthi amaphuzu azokwenyuka enanini lemali futhi sizokwenza inzuzo yezimali uma sifuna ukuwadayisa noma nini esikhathini esizayo. Akuzange kube neqiniso.”
UHenry: “Ngaso sonke isikhathi uma sithatha iholide ngamaphoyinti e-GVC sasiqondiswe izisebenzi eziningi ezithengisayo ezisitshela ukuthi kudingeka sithenge amaphuzu engeziwe ngoba esasinakho kwakunganele. Sathuthukisa izikhathi ezimbalwa kodwa ngokushesha salahlekelwa isithakazelo sokwenza lokho.
UGillian: “Kwase kucace bha ukuthi i-GVC ayisoze yayeka ukufuna imali eyengeziwe, nokuthi awekho amaphuzu angasinika esikufunayo ngamaholide ethu. Namuhla kulula ukuthola ikhwalithi esiyifunayo kumasayithi afana ne-Booking.com, ngaphandle kokuzibophezela ebulungwini obubizayo nasezinkokhelweni zonyaka.”
Ukushaqeka kwezindleko zonyaka
UHenry: “Satshelwa kusenesikhathi ukuthi kunezimali ezikhokhwa minyaka yonke zokunakekela isakhiwo. Ekuqaleni bekuyi-£175 ngonyaka, ebesicabanga ukuthi bekuyingcosana, uma sibheka ukuthi kusebenza njengo-£9100 ngonyaka esitudiyo. Ukunakekela kukodwa ngokuqinisekile bekungeke kubize kangako. Kodwa sabona ukuthi kwakuseshibhile kunokubhukha ihhotela isonto lonke, ngakho sakwamukela.”
UGillian: “Leyo ntengo ayizange ihlale isikhathi eside. Ekuqaleni umdayisi wasitshela ukuthi imali yesondlo ixhumene nokwehla kwamandla emali, obekungaba kuhle. Ngeshwa lokho bekungelona iqiniso futhi ukunyuswa kwezimali bekungalawuleki ngokuphelele.”
UHenry: “Inkinga ukuthi lezi zethulo zokuthengisa zithatha amahora amaningi. Uma uhlola inkontileka ngaphambi kokuthi usayine, miningi kakhulu imininingwane okufanele uyikhumbule futhi sikhohlwe ukuhlola ukuthi imali yesondlo ixhunywe nokwehla kwamandla emali. Ngonyaka wokuqala wenyukela ku-£228. Ukwenyuka ngo-30% kusukela ku-bat. “
(Qaphela: Phakathi neminyaka yawo-90s kanye namashumi ambalwa eminyaka alandelayo ukwehla kwamandla emali kwezomnotho kwakuphansi. Ngaphansi kuka-2% ngonyaka.)
UGillian: “Sakungabaza ukukhuphuka komdayisi ezama ukusidayisela ukuthuthukiswa kulokho kuvakasha kokuqala futhi wasinika ingxoxo endala mayelana nokulungiswa kwesimo esiphuthumayo. Simnikeze ithuba lokungabaza, kodwa ngonyaka ozayo ukwanda kwaba okukhulu nakakhulu.”
Ukwenza iphethini
UHenry: “Yebo, sazigcina zonke izikweletu zesondlo ukuze ngikwazi ukukutshela, ngo-1998 zaphinde zenyuka zaba u-£309. Cishe u-35% kulokhu, siye sasebenza. Futhi kwakuzoba kubi kakhulu. ”
UGillian: “Ngo-2004 lase lifinyelele ku-£445. Lowo kwakuwunyaka wokuqala esaqaphela ukuthi okungenani wawulingana nezindleko zesonto ehhotela elihle. Sasibona umbhalo odongeni ngokuthi uzobiza (noma ngaphezulu) kunamahhotela avamile. I-GVC yayihlale inezaba zokuthi kungani ukunyuswa kwezimali kwakukukhulu kangaka. Kodwa ngemva kwaleyo minyaka embalwa yokuqala kwaba sobala ukuthi lokhu kukhuphuka kwakumayelana nokuthi indawo yokungcebeleka ithole imali eningi kithi njengoba babecabanga ukuthi yayingase iphumelele.”
UHenry: “Njengoba uGillian esho: Manje sase sifinyelele izinga lezindleko lapho sasikhokha khona amanani amahhotela avamile. Ngaphandle kokuthi sasikhokhe izinkulungwane ezimbalwa zamaphawundi ngelungelo lokuhlala ezindlini ze-GVC. Ngaleso sikhathi ngabe sincamela ukusebenzisa imali siye lapho sifuna ukuya khona esikhundleni sestudiyo esincane se-GVC njalo ngonyaka. ”
UGillian: “Besiqala ukukhathazeka. Besisabambekile kulobu bulungu obungadingeki ngezimali ezibonakala zingenamsebenzi. Sasingenayo indlela yokusho ukuthi izinto ezibizayo zazizofika kanjani. Njengabanye abanikazi abaningi be-GVC esasibazi, safisa ukuphunyuka.”
976% ukwenyuka kwezindleko
UHenry: “Ekugcineni, ngo-2020 izimali zethu zokulungisa zazingu-£1709. Cabanga ngalokho okwesibili. Cishe izikhathi eziyishumi kunezindleko zokuqala. (Inothi lomhleli: 976.15% ukunemba) Kwakwethusa. Sasingenaso isivikelo esingokomthetho futhi sibonakala singenayo indlela yokuphuma. Bekufanele sikhokhe noma yini ecelwa yi-GVC!”
UGillian: “Uma uqhathanisa ukwenyuka okuncane kokwenyuka kwamanani entengo okuvamile kumanani amaningi eminyakeni engu-22, uma kuqhathaniswa nokukhuphuka kwezinkokhelo zethu zeshare lesikhathi, azikho izizathu ezingaba khona. Ubugovu, bumsulwa futhi bulula.”
(Inothi lomhleli: Ngaleso sikhathi sonyaka ukwehla kwamandla emali e-UK kufinyelele ku-1.9%. Kuhlanganiswe phakathi neminyaka engu-20 kanye, lokho bekungaphansi kokukhuphuka okungamaphesenti angu-50 kuzo zonke izindleko zokuphila ezivamile. ezinye izinsiza.)
UHenry: “UNkulunkulu uyazi ukuthi bebezosikhokhisani manje ukube sisengamalungu. Siyabonga ukuthi siyitholile i-ECC sakwazi ukubalekela inkontileka.”
U-Gillian: “Izindleko zimile kithi manje, futhi sifake isimangalo sesinxephezelo ngokumelene ne-GVC, noma i-Hilton Vacation Club njengoba isibizwa kanjalo manje.”
UHenry: “Isimangalo sihamba kahle. Sibheke isinxephezelo esingaba ngu-£37,000. Nakuba uma ngikhuluma iqiniso besesivele sikujabulele ukukhululeka enkontilekeni nasezinkokhelweni. Imali eyengeziwe evela esimangalweni iyibhonasi ngempela.”
U-Gillian: “Yebo, mhlawumbe manje singaba namanye amaholide aphuphile esiwaphuthele ngenxa yobulungu bethu be-GVC.”
Iqiniso elingalungile
“Abantu abasabuthengi ubulungu be-timeshare,” kuchaza u-Andrew Cooper, oyi-CEO ye-European Consumer Claims. “Umqondo ungowakudala, uyabiza futhi awusebenzi.
“Lokhu kushiya izinkampani ze-timeshare zinemali eyodwa kuphela esele futhi leyo yimali yokulungisa minyaka yonke amalungu abophezeleke ukuyikhokha ngokusemthethweni.
“Lezi zimali azikho emthethweni futhi izinkampani zesikhathi esibekiwe ziyazinyusa ngamanani amba eqolo futhi angenabulungiswa. Akusekho ukuzenzisa ukunikeza isevisi efunwayo, ewubukhazikhazi. Sekuwumsebenzi oqondile wokuqola imali.
“Noma ubani obambeke esimeni esifanayo angathinta ithimba lethu e-ECC ukuze bathole ukubonisana kwamahhala, okuyimfihlo, ngaphandle kwesibopho. Thintana futhi ukhulume ngezinketho zakho nochwepheshe bethu. "
