Izimfihlo Zomnikazi Wesikhathi Sezidaluliwe

Abathengisi be-Timeshare ngokuvamile bakhokhelwa ikhomishini yokuthi bathengisa malini. Ungawi ngenxa yalezi zimfihlo ezingu-10 ezibasiza ukuba bakhulise imali yabo engenayo ngezindleko zakho:

1. Kushibhe kakhulu ukuqasha isabelo sesikhathi kunokuthenga esisodwa: Awusadingi ukuba umnikazi weshare lesikhathi ukuze uhlale ezindaweni zokungcebeleka zeshare. Ungawabhukha kumasayithi okubhuka ajwayelekile afana ne-Booking.com. Eqinisweni ukuqasha iyunithi ye-timeshare ngokuvamile kungakubiza imali engaphansi kwenkokhelo yonyaka uma umnikazi wayo. Impela izindleko zokuqasha iyunithi ye-timeshare azibizi ukwedlula ihhotela elivamile noma indawo yeholide. Futhi ngeke ube nayo yonke imikhawulo, izibopho nezindleko zokuba ngumnikazi weshare lesikhathi.

2. Ukungakhokhi imali ebolekiwe yesikhathi kungaholela ekuqoqweni: Izimali mboleko zasendaweni ngamabhange amakhulu nabahlinzeki bezikweletu zikwenza kube lula ukukhokhela okunye noma konke ukuthenga kwakho kweshare lesikhathi. Kodwa naphezu kokuthi imali mboleko inikezwa kalula, iyabophezela njenganoma yisiphi isivumelwano sezezimali esikhishwe e-UK. I-APR ivamise ukuba phezulu kakhulu kunemali mboleko "evikelekile" njengoba inani le-timeshare yokuthengisa kabusha alinakwa. Izimali zesondlo nazo ziyabophezela. Ukungakhokhi noma yiziphi zalezi zindleko kungaholela esenzweni ngezinkantolo zase-UK futhi kugcine kukhinyabeze isikolo sakho sesikweletu kanye nekhono lokuthola ezinye izimali mboleko esikhathini esizayo.

3. Abathengisi be-Timeshare basebenzisa igama elithi 'investimenti': I-Timeshare AKUYONA i-investimenti. Cishe yonke isenti oyikhokhayo ukuze ujoyine, futhi ezindlekweni zokusebenza azikho unaphakade. Esikhathini eside esedlule kwethulwa njenge-investimenti njengokungathi ungumnikazi wengxenye yendawo. Empeleni lonke ilungu ebelithengile 'kwakuyilungelo lokuhlala ngokushintshana'. Lokhu bekungenavelu yokuthengisa kabusha. Abantu abathengisa i-Timeshare bazozama ukukuthonya ngokunganaki ngamagama anjengokuthi 'utshalomali lwekhwalithi yempilo' noma ukutshala ngesikhathi samaholide omndeni wakho.' Akukho kulokhu okuphethe inani lemali ngeshwa.

4. Ukuthenga i-timeshare kuza nezingozi ezifihliwe: Izinkontileka eziningi ze-timeshare ziza nesibopho sezezimali kumthengi ukuthi alungise, noma akhe kabusha indlu yakhe uma kwenzeka umonakalo. Okufanayo kuya ngengxenye yanoma yiziphi izinsiza ezabiwe. Ngokuvamile kunomshwalense ofakiwe enkokhelweni yonyaka, kodwa kunezinhlekelele ezingahlanganiswa nomshwalense wokuvakashela. Izinhlekelele azivamile, kodwa 'izintela ezikhethekile' zokuthuthukisa izindawo zivame kakhulu.

5. Umkhokhi wentela akakuvumi ukulahlekelwa kwakho kwekhephithali: Ngokungafani nezindlu ezithengiswayo, awukwazi ukubika ukulahlekelwa ngokuqhathaniswa nesamba sezinzuzo zakho zenani lempahla. I-Timeshare ayiyona indawo ethengiswayo, kungakhathaliseki ukuthi umthengisi wakho angase azame ukusho ukuthini, futhi inani layo lokuthengisa kabusha linguziro. Cishe yonke imali oyikhokhayo ukuze ujoyine yizindleko zokumaketha. Alikho ithuba lokwenza inzuzo, kanye nethuba elincane kakhulu lokugwema ukulahlekelwa okuphelele kwempahla yakho. Endodeni yentela, uwakhokhele imali engaphezulu kwamanye amaholide kusenesikhathi. 

6. Phakathi nokuqhathaniswa kwezezimali, izindleko zendiza nezohambo zilibaleka kalula: Umthengisi wakho uzovame ukukubonisa iphimbo 'lokunengqondo kwezezimali', lapho izindleko zamaholide akho ziboniswa ishibhe kakhulu ngobulungu be-timeshare. Izindleko zawo wonke amaholide akho zibhalwa kukholamu eyodwa futhi zikalwe ngenani lemali yesondlo kukholamu yesibili. Uma 'ekhohlwa' ukwengeza izindleko zendiza nezinye zokuhamba kukholamu yeshare lesikhathi, qiniseka ukuthi uzifaka kuwena lokhu ngaphambi kokuhlola isivumelwano.

7). UNGALOKOTHI uthenge isabelo sesikhathi ngemalimboleko ehlelwe unjiniyela: Amabhange ngeke akunike imali ebolekiwe esekelwe kwisakhiwo, kodwa kukhona abanye abahlinzeki bezezimali abasebenza eduze nezinkampani ze-timeshare ukuze banikeze inani lemali ebolekiwe ye-sub-prime, engavikelekile. I-Timeshare ayibalulekile nhlobo kusukela ngesikhathi uyithenga. Lokhu kusho ukuthi ukwenza imali mboleko ingabi sengozini, umhlinzeki kufanele enze inzalo ibe phezulu. I-inthanethi igcwele izindaba ezishaqisayo zama-Brits abhalisele ukubolekwa imali ye-timeshare, enemiphumela eshintsha impilo. Uma ungakwazi ukukhokha ukheshi, ungathengi nhlobo.

8. Awukwazi ukuvele ubuyisele isabelo sakho sesikhathi:  Ngenxa yobude besikhathi eside bezinkontileka eziningi zezikhathi, izidingo zamaholide abantu ziyashintsha ngokuhamba kwesikhathi. Abanikazi abaningi bacabanga ukuthi ngenxa yokuthi kufanele bakhokhe imali eningi ukuze bajoyine, futhi ngenxa yokuthi izimali zonyaka zibiza kakhulu, kangangokuthi uma beyeka ukukhokha bazovele balahlekelwe ubulungu babo. Ngeshwa akunjalo. Izinkampani ze-Timeshare azinandaba, sezizonke, uma usafuna umkhiqizo wazo. Badinga izinkokhelo zakho zonyaka futhi bazosebenzisa inkontileka ukuze bakwenze ubakhokhe, kungakhathaliseki ukuthi usebenzisa ubulungu noma cha

9. Umthengisi uzokukhombisa igumbi elingcono kakhulu: Igumbi lakho lingase libe izinga elihlukile, libe nokufakwa okuhlukile futhi libukeke libi kunalelo olibonisiwe. Zilungiselele ukuthengiswa okuthile ngaphandle kwalokho okubonile, futhi ufune ukubona iyunithi ozibophezela kuyo ngaphambi kokubhalisa. Noma uma uke wayibona, qiniseka ukuthi unenkontileka ukuze uthole leyo oyidayisile.

10.  Uma uthenge e-Spain, ngomhla ka-5 Januwari 1999 noma ngemva kwalokho, maningi amathuba okuthi inkontileka yakho ayikho emthethweni:  Nakuba lokhu kungase kwenze abanye abanikazi bakhathazeke ngokuthi imali yabo ebizayo ingase ibe ngezizathu ezingokomthetho ezintengantengayo, kwabanye abazisola ngokujoyina i-timeshare lezi yizindaba ezinhle. Uma inkontileka yakho ingekho emthethweni, ngeke ukwazi nje ukubalekela ukuzibophezela, kodwa futhi ufune isinxephezelo esibalulekile endaweni yakho yokungcebeleka

U-Andrew Cooper, oyi-CEO ye-European Consumer Claims uyaphawula: “njengemibono eminingi eyisiqalo, i-timeshare yaqala ngezinjongo ezinhle ngeminyaka yawo-1960. Ngeshwa baningi abalingiswa abangaphansi kwabangenangqondo ababandakanyekile kusukela lapho futhi lokhu kusho ukuthi isivumelwano siya ngokuba sibi kakhulu kubanikazi bezikhathi. Uma i-timeshare kuyinto onqume ukuyithenga, sicela ungene uvule amehlo akho."

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Isithombe sikaLinda Hohnholz

Linda Hohnholz

Umhleli omkhulu we eTurboNews ezinze eTN HQ.

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