Ukudala i-Layaway Policy
Imithetho yeSithili
UMthetho we-Federal Trade Commission uvimbela izenzo okanye izenzo ezikhohlisayo okanye ezikhohlisayo okanye ezichaphazela ishishini.
Ukungaphumeleli ukudalula imigqaliselo ebalulekileyo yesicwangciso sakho sokulahla phantsi kweemeko ezithile kungaphula uMthetho. Ingcaciso equlethwe kule ncwadana mayikuncede ukuba ugweme ukuphulwa okunjalo.
Isicwangciso sakho sokulahla singagqitywa yiNyaniso kwiMali yokuThengisa xa ufuna ukuba abathengi bakho bavumelane ngokubhaliweyo ukuze benze zonke iintlawulo de kube kukho into ehlawulwa ngokupheleleyo. Ukuba awubopheli umthengi wakho ngokubhaliweyo ukugqiba ukuthengwa kwe-layaway, ngoko iQiniso kuMthetho wokuboleka awusebenzi.
Umthetho kunye neMithetho yeNgingqi
Eminye imithetho yaseburhulumenteni kunye neendawo zendawo zisebenza ngokuthe ngqo ekuthengeni i-layaway. Le mithetho iyahluka kakhulu kwizinto ezizifunayo. Ukongezelela, uninzi lwamazwe anemithetho ekhuselekileyo yokukhusela abathengi abangafaka isicelo kwi-layaways.
Funda ukuze ufunde kabanzi ngokubhala umgaqo-nkqubo wokulahla.
Ukucacisa imigomo yeLaywayway
Kukho izizathu ezinobungqina boshishino lokunika abathengi bakho abalulekayo ukubhalwa okubhaliweyo:
- banceda baqinisekise ukuba abathengi bayaziqonda iimfanelo zabo zokuhlawula;
- Banika isaziso kubaxhasi bemigaqo-nkqubo yakho yokulahla;
- banceda ukuqinisekisa ukuba bonke abathengi bafumana ulwazi olufanayo; kwaye
- banceda ukunqanda ukungaqondi kunye neengxabano.
Imiba ebalulekileyo yokuBhengeza
Kukho iinkalo ezibalulekileyo ezicwangcisiweyo zokuqwalasela ukuvelisa.
Ezi ziquka: ukukhanselwa kunye nemigaqo-mboleko ; izicwangciso zokuhlawula; iintlawulo okanye iinkonzo zokuhlawula; kunye nendawo , ukutholakala, kunye nokuchongwa kwezinto zokuthengisa ezithengiswayo.
Imigaqo yokuKhoxiswa kunye neMbuyekezo
Yisoloko isenzo esihle soshishino ukuzisa abathengi malunga nokukhanselwa kunye nemigaqo-nkqubo yokubuyiselwa imali ngenxa yokuba ukungabikho kokukhansela kunye nolwazi lokubuyiselwa kwemali kunokuba ngumthombo omkhulu wokunganeliseki kwabathengi. Ngokubhengeza le migaqo ngokubhaliweyo, unokunciphisa ngokukhawuleza izikhalazo zamakhasimende kunye nethuba lokuba abathengi abanganelisekanga bathathe ishishini labo kwenye indawo.
Abathengisi basebenzisa inamba yemigaqo eyahlukeneyo yokubuyiselwa kwemali yokuthengisa. Abanye banikela ngokubuyisela imali epheleleyo okanye ngokukodwa xa i-layaways ingagqityiwe. Abanye banikela ngetyala malunga nokuthenga kwangaphambili. Umthetho wesizwe unokumisela ukuba yintoni umgaqo wokubuyiselwa kwemali omele ulandele.
Xa uchaza ukukhanselwa kwakho kunye nenqubomgomo yokubuyiselwa kwemali, sebenzisa ngokucacileyo, elula, nolwimi oluchanekileyo.
Ukuba awuyikubuyiselwa imali epheleleyo, khankanya ngokucacileyo ukuba, ukuba nantoni na, uya kuhlawulisa ukuthengiselana okungaphelelanga. Nangona kunjalo, kufuneka uhlolisise imithetho kwilizwe lakho. Abanye bathi ukunciphisa inani labathengisi abanakho ukuhlawula. Ngokubhengeza ulwazi lokubuyiselwa kwemali, abathengi bakho baya kukwazi ukuba balindele ntoni ukuba bangazalanga ukuthengwa kwempahla.
Funda ukuze ufunde kabanzi malunga neentlawulo zokulahla kunye neentlawulo.
Cwangciso seNtlawulo
Ukuba ufuna imali ethile ehlawulwe ngexesha elimiselweyo (umzekelo, iiveki ezimbini), okanye ufuna ukuba iintlawulo zizaliswe ngexesha elimiselweyo lexesha (umzekelo, kungakapheli iintsuku ezingama-60 ekuqaleni kokulahla), kuya kunceda abathengi bakho abalahlayo ukuba bazi iimfuno zakho. Olu bhengezo lungabandakanya:
- imali efunekayo yokuhlawula;
- imihla apho iintlawulo zifunekayo; kwaye
- umhla oza kuhlawulwa ngayo intlawulo yokugqibela, ukuba iyasebenza.
Nangona ixabiso leedola, inani, kwaye ngamanye amaxesha ukuphindwa kweentlawulo kungahlukahluka ngeendleko zokuthenga, unokufuna ukuhlakulela ifomathi yokuthengisa yentlawulo efanelekileyo. Ngokomzekelo, irisidi yakho yokuthengisa i-layaway ingathi:
Iintlawulo zakho ubuncinane i-$ ______ zifuneka ngomhla weenyanga nganye, ngeenyanga, ukuqala. Intlawulo yokugqibela ibangelwe ngu ______.
Iinkcazo ezingenanto zemigaqo yentlawulo aziyi kunceda abathengi bakho baqonde umgaqo wakho. Amagama amathathu athile angacacileyo kodwa aqhelekileyo asetyenziswa apha ngezantsi, kunye nezizathu zokuba bangenelanga:
- Iintlawulo zihlawulwa iintsuku ezili-15. Ukungonelanga kuba: Oku akuxeleli abathengi bakho xa iintlawulo zabo ziqala, xa iintlawulo ezilandelayo zifanelekile, okanye xa kufuneka kuhlawulwe intlawulo yokugqibela.
- Iintlawulo kufuneka zenziwe kwizitofu ezintathu ezilinganayo. Ukungonelanga kuba: Oku akuxeleli abathengi bakho ekuqaleni okanye ekupheleni kwemihla yesicwangciso sabo sokulahla, okanye banike inani elithile leedola elimele lihlawule ngalinye.
- Intlawulo yokugqibela ibanjelwe kwiinyanga ezintathu. Ukungonelanga kuba: Oku akuxeleli abathengi bakho iimali zokuhlawula ezifunekayo, imihla ekufuneka iintlawulo zihlawulwe, okanye umhla oza kuhlawulwa ngawo.
Abanye abathengisi banomgaqo wokukhansela i-layaway ukuba umthengi akenzi inkokhelo ngomhla othile okanye akayi kugqiba ukuthengiselana ngexesha elithile. Ukuba unomgaqo-nkqubo onjalo, qwa lasela abathengi bakho ngokubhaliweyo ukuphepha ukungaqondani.
Abanye abathengisi bayakuvumela ukugqitywa komhla wokugqitywa, ngokukodwa ukuba iintlawulo ziphantse zizaliswe.
Njengesikhumbuzo, abathengisi abanjalo bathumela izaziso kubaxhasi babo abanika umhla omtsha xa zonke iintlawulo kufuneka zizaliswe. Ukuba unomgaqo-nkqubo onjalo, unokufuna ukusebenzisa isaziso esithi:
Siye sandise umhla ofunekayo ngenkokhelo yakho yokugqibela ekuthengeni kwakho ku-_____________. Ukuba asizange siyifumane inkokhelo yakho ngalo mhla, siya kuqwalasela ukuthengwa kukhanseliwe.
IiNkonzo okanye iiLayway Charges
Ukuba ungeze inkonzo okanye i-layaway intlawulo kwixabiso lokuthenga, abathengi bakho bafuna ukwazi oku ngaphambi kokuba baqalise i-layaway. Umqondiso wakho okanye i-layaway yokufumana i-receipt ingathi:
Kuza kuba nehlawulo lokuhlawula i $ _______.
Ukuba kukho naziphi ezinye iindleko, ezifana nokuthunyelwa, zenziwa, ukwazisa abathengi bakho ngesitatimende esifanayo kunceda.
Indawo yeLayaway Merchandise
Abathengi abathengisa iimpahla kwi-layaway banokulindela ukuba loo nto iya kuthi "iyalahlwa" -ihlukaniswe ngokwahlukileyo kwisitokethi esithengiswayo. Abathengisi abaninzi bakhupha amanqaku ahlambisayo ukusuka kumgangatho wokuthengisa; Abanye bagcina izinto ezinkulu, ezifana nefenitshala okanye izinto eziphambili, kwindawo yokuthengisa kodwa ziphawule "zithengiswa." Ukuba awuhluli ukuthengwa kokuthengwa kwintengiso ekuthengiseni, ukuxelela abathengi bakho malunga nokusebenza kwakho kunokuphepha izikhalazo ezizayo.
Ungayithumela loo nkcazelo okanye uyifake kwi-risithi yokuthengisa i-layaway. Ngokomzekelo, uphawu lungathi:
Ukuthengwa okukhulu kwelayaway kuza kuhlala kumgangatho wokuthengisa kodwa uya kugqithisa "athengiswe."
Ukufumaneka kweMathenkethi
Ukuba ukuthengiswa kufuneka kulandiswe, abathengi bakho bafuna ukwazi ukuba nini kwaye phantsi kweemeko zini kuya ku-odalwa. Isaziso esichazela umgaqo wakho singathi:
Umrhweba kufuneka ulandelwe. Ukuba uthengisa ukuthengiswa kwezinto zokuthengisa, siya kuyala into yakho yokulahla xa uhlawulele isiqingatha sexabiso lokuthenga.
Ukuchongwa kweMatriki
Ngenxa yokuba iinyanga ezininzi zingadlula phakathi kwexesha lokuthengwa kokuthengwa kwexabiso kwaye kuqeshwe ixesha lokuthengisa, abathengi bakho abanakho ukukhumbula zonke iinkcukacha malunga neentengiso abathenge.
Ukukunceda ukuphepha ukudideka ngokuphathelele kwintengiso ekhethiweyo, unokufuna ukuchonga into elahlayo kwi-slip yokuthengisa i-layaway.
Kucacisa ngokucacileyo izinto ezichazayo iimpawu, ezifana nombala, ubungakanani, inombolo ye-stock, inombolo yomzekelo kunye negama lezorhwebo okanye umenzi, kunokuthintela ukungaqondani xa umthengi enza intlawulo yokugqibela kwaye ukulungele ukubiza ibhanki yokuthengisa. Umzekelo, unokwazi ukubona ingubo ethengiweyo kwi-layaways njenge:
Omnye umbala obomvu, ubukhulu be-10, i-Dresswell Inkampani, isitayela # 130 A
Iindlela eziqhelekileyo zokuBhengeza imigomo
Amashishini axhumana nemigqaliselo yabo yokulahla ngeendlela ezahlukeneyo. Abanye bathumela imiqathango yabo yokugcoba kwisalathisi kwiivenkile zabo. Abanye baye baqhawula izibhengezo zabo zokurhweba iirisithi kunye nokubonelela abathengi ngekopi xa kuthengwa. Abanye abathengisi basebenzise zombini iirisithi kunye neempawu.
Ukuphepha ukungaqondani. soloko uzama ukusho ngubani oya kwenza ntoni kwi-risithi yakho yokuthengisa. Oku kuya kubavumela ukuba abathengi bakho bazi ngokuthe ngqo ukuba kufuneka bayenze ukuzalisekisa inxalenye yabo yokuthengiswa kwempahla. Imizekelo ecacileyo, izivakalisi ezimfutshane, kunye nohlobo olulula ukufunda luza kunceda ukudlulisela umyalezo wakho.
Ukuba uthumela amagama akho aguqwayo kwisigxina kwisitoreji sakho, uphawu (okanye iimpawu) kufuneka lufakwe kwindawo efanelekileyo neyona ndawo (okanye iindawo), kwaye umyalezo kufuneka ucacise kwaye ukhulu ngokwaneleyo ukuba ufunde kude.