Ko e founga angamaheni taha ke fai ‘aki e totongi fakafoki ‘oku lava ‘o fakafou ia ‘i ho’o kaati fakamo’ua faka-pangikee, ‘aki ho tali ‘a ho’o kautaha
noo ke nau to’o e totongi mei he ‘akauni ki ho pangikee, ‘ai ‘o ‘oku ‘ilo’i ‘aki ‘a e continous payment authority (CPA).
Kapau ‘oku ‘ikai ke ‘i ai ha pa’anga fe’unga ‘i ho ‘akauni ke totongi ‘aki ‘a e noo ‘i hono ‘aho totonu, ‘e toutou ‘eke’i leva ia ‘e ho’o kautaha noo ki ho pangikee pe tenau ‘eke ki he konga pe ‘o e fo’i pa’anga noo, pea hilifaki atu mo e ngaahi totongi makehe ka totongi tomui.
ʻOku fakaʻau foki ke lahi ange ʻa e payday loan ‘oku loi, ʻo tokoniʻi ‘eni ‘i he ngaahi meʻa ʻe niʻihi hange ko e ʻikai feʻunga ko ia ‘o e malu’i ki hono vakai’i faka’auliliki ‘o e ngaahi kautaha noo ke pau.
Kapau he ʻikai te ke lava ʻo fakamoʻoniʻi ʻoku ʻikai ko koe na’a ke toʻo ʻa e totongi noo, ʻe lava ke ke tulifua malohi ki he moʻua fakataha ki ai mo e totongi makehe pea mo ha ngaahi tukuakiʻi kehe.
Ngaahi maumau ‘e ala hoko
- Ko ho’o to’o ko ia ha no faka’aho ki ‘tide you over’, ‘o ke toki ‘ilo ‘oku ‘ikai ke ke lava ‘o totongi fakafoki e fo’i sino’i pa’anga ‘oku fiema’u kakato ‘i hono ‘aho totonu ke totongi ai.
- Ko hono tohoaki’i ho tokanga ‘aki e vave mo e faingofua ko ia hono ma’u atu ha no ʻo ʻikai nofo e fakakaukau ki he fakamole mo hono fakatuʻutamaki, koeʻuhi ko ho’o fie maʻu fakavavevave ‘a e paʻanga.
- Ko ho’o totongi ha ngaahi totongi makehe tanaki atu ki he noo ʻoku lahi ange mo e ngaahi totongi ‘oku fokotuʻutuʻu ke fakalahi e ‘aho ki he ‘aho totonu ke fakahoko ai e payday loan
- Ko hono kumi’i fefeka koe ke fakahoko ha totongi fakafoki ‘e he ni’ihi ‘o e kautaha noo
- Ko e ‘ikai ke mahino ‘a e lahi ko ia ‘o e APR pe ko e pa’anga pau ‘oku tanaki atu fakataha ki he noo
- Koe faingataʻaʻia mei hono toutou tanaki atu ko ia e ngaahi mo’ua fakapaʻanga mo mamahi ai.
- ʻI he ʻikai ke ʻi ai ha’o fa’ahinga launga ke fekuki ai mo ia ‘a e ni’ihi ‘o e kautaha noo ‘i ha founga ‘oku totonu
- Ko hono to’o ko ia ‘a ho’o payday loan ‘aki ‘i ho hingoa ‘i he founga kaka, pea totongi hangatonu ia ki he ‘akauni pangikee ‘a e tokotaha fai hia
- Ko hono fokotu’u ko ia ‘o e CPA ‘i he founga ta’e faitotonu ki ho kaati tepiti (debit card)
Fale’i felave’i mo e payday loans
- Fakakaukau fakalelei kimuʻa pea ke toki toʻo ha payday loan pea ke fakakaukauʻi ha ngaahi founga kehe ke fakaleleiʻi ʻaki hoʻo ngaahi palopalema nounou pe taimi-loloa fakapa’anga hange ko ho’o noo kuletiti ‘iunioni (credit union loan), toho pa’anga ‘ova he limiti (overdraft) pe Social Fund
- Fakapapauʻi ʻoku ke ʻiloʻi kakato ʻa e ngaahi tuʻunga mo e tu’utu’uni aleapau ki he noo, ‘o kau ki ai ‘a e totongi makehe fakalahi ki he noo, taimi ki he totongi fakafoki pea mo e ngaahi totongi tautea ki he tomui pe ta’etotongi.
- Fakatau takai pea fakafehoanaki ʻa e ngaahi fakamole pea mo hono ngaahi makatuʻunga.
- Tokanga’i hoʻo ngaahi totonu mo e feituʻu ke ke ʻalu ki ai ke maʻu ha tokoni kapau ʻoku ʻi ai haʻo palopalema.
- Tokanga kapau ‘oku ke fakalahi ha’o payday loan he ’e hoko ia ke toe lahi ange ai ho fakamole fakapa’anga
- Fakakaukau ke fakahinohinoʻi hoʻo pangikee pe ko ho’o kaati kautaha ke taʻofi hono to’o ʻa e totongi kimuʻa he ʻaho ke fai ki ai, kapau he ʻikai te ke lava ʻo totongi fakafoki ʻa e noo.
- Fetuʻutaki ki ho’o Citizens Advice ki ha faleʻi pau fekauʻaki mo e fakamoʻua pea mo e moʻua.
- Fetuʻutaki ki he Citizens Advice pe ki ha kautaha fakafofonga fale’i ki he mo’ua ta’e ma’u ai ha tupu (not-for-profit debt agency advice) kapau ‘oku ke faingata’a’ia ke fakahoko hono totongi fakafoki pe fiema’u ha tokoni.
- Maluʻi maʻu pe ho tuʻunga fakamo’oni’i ‘aki koe ʻi he ʻInitaneti ‘i he’ene mo’ui pe mate ke fakaʻehiʻehi mei hano kaihaʻasi ʻe he kau kakaa ke toʻo ‘aki ‘a ho’o payday loans pea mo e ngaahi fehuuʻaki fakapaʻanga kehe ʻi ho hingoa.
Kapau ko e tokotaha koe uesia ‘i he founga ta’efaitotonu kihe payday loan
- Vakaiʻi fakalelei hoʻo ngaahi fakatau fehuuʻaki fakapaʻanga ʻi he pangikee ke lava ai ke ke ‘ilo he vave taha pe na’e to’o ha pa’anga me ho ‘akauni ke totongi fakafoki ‘aki ‘a e no ‘aia na’e ‘ikai ke ke hanga ‘o toho.
Kapau te ke fakatokanga’i ha fa’ahnga fehu’aki fakatau fakapa’anga, fakamolemole ‘o fetu’utaki ki ho pangikee ‘aki ‘a e vave taha, pea pehe ki he kautaha no ko ia ‘oku kau atu ki ai.
- Fakakaukau ke fakahoko ha fekumi ki ha lipooti fekau’aki ki he fakamoʻua ke fokotuʻu ‘o fakapapau’i kapau kuo ‘osi fai ha ngaahi feinga fakapa’anga kehe ʻo fakaʻaongaʻi ‘aki ‘a hoʻo fakaikiiki.
- Kapau ʻoku kumi koe ʻe ha kautaha noo ko ha moʻua ʻoku ʻikai ke ke moʻua ki ai, tohi ki he kautaha noo, pea ʻi he taimi tonu, ko e kautaha tanaki mo’ua (debt collection agency), ʻo fakamahinoʻi ai e ʻuhinga ʻoku ʻikai tali ai ʻa e totongi.
Kapau ʻoku ʻikai ke ke maʻu ha tali faka-fiemalie, fekumi ki ha founga tau’ataina ki he fakalelei’i fakakikihi.
- Kapau ʻoku ke pehe kuo ke moʻua ʻi he kaka, lipooti ia ki he kau polisi.
Pea manatuʻi maʻu pe ʻa e ngaahi tefitoʻi meʻa maluʻi ko ʻeni …
- Fakaʻaongaʻi ha ngaahi lea fakapulipuli faingata’a. ʻOua naʻa ke teitei fakaha hoʻo fakaikiiki hu ‘aki ki he uepisaiti pe ngaahi lea fakapulipuli ki he ‘akauni totongi ʻi he ʻInitaneti ki ha taha pe.
- Kapau ʻoku ke pehe ʻoku ʻi ai ha taha ʻi hoʻo ngaahi ʻakauni ki he totongi ki he fakamole fakapa’anga ʻi he ʻInitaneti kuo uesia, fai leva ha ngaue ki ai he taimi pe ko ia. Vakai ki he ngaahi uepisaiti ʻ ki he ngaahi peesi tokoni /fale’i mahu’inga ʻi he ʻInitaneti.
- Tokanga telia ho lomi ‘i he ngaahi fehokotakiʻanga ʻoku ʻoatu ʻi he ʻimeili ‘aia ‘oku taʻeʻamanekina. Hange ko ʻeni, ʻe lelei ange ke fakahu fakahangatonu e tuʻasila ʻo e uepisaiti hoʻo pangikee ki hoʻo browser, pe fakaʻaonga’i ha faka’ilonga na’a ke fa’u ki he uepisaiti ‘aki ho ngaue’aki ‘a e tu’asila totonu.
- Kapau te ke totongi ʻaki ha kaati totongi, manatuʻi ʻoku ʻoatu ʻe he kaati fakamoʻua ha maluʻi ‘oku sai ange ʻi he ngaahi founga kehe tautefito ki he kaka, founga fakapapau’i pea mo e taimi tiliva.
- ʻI he taimi ʻoku faka’aonga’i ‘aki ai ‘a e sevesi ki he totongi ‘i he ‘initaneti pe kaati totongi, fakapapau’i ‘oku malu ‘a e fehokotaki’anga faka’initaneti, ‘aki ‘a e founga ‘e tolu ko ‘eni:
- ‘Oku totonu ke ‘i ai ha faka’ilonga loka (padlock) ‘i ho’o browser window frame, ‘a ia ‘oku ‘asi atu ‘i he taimi ko ia te ke feinga ai ke ke hu pe lesisita. Fakapapau’i ko e faka’ilonga loka (padlock) ‘oku ‘ikai ke ‘i loto ‘i he peesi … he ‘oku ne tala ai mahalo ko e uepisaiti ‘oku kaka
- Ko e tu’asila ki he uepi ‘oku totonu ke kamata ‘aki ‘a e ‘https://’. Ko e ‘s’ ki he ‘secure’
- Kapau ‘oku ke faka’aonga’i ‘a e polokalama muimuitaha ki ho’o browser, ko e fo’i pā ki he tu’asila ‘i he uepisaiti pe hingoa ‘o e kautaha ha’ana ‘a e upeisaiti ‘e liliu ia ‘o lanu mata.
- Ke ke hu maʻu pe ki tuʻa mei he ngaahi saiti kuo ke ‘osi hu ki ai pe lesisita ai. ʻOku ʻikai feʻunga pe hono tapuni ‘a hoʻo browser ke fakapapauʻi ‘aki ho tau’ataina fakafoʻituitui.
- Tauhi ho ngaahi pepa talitotongi.
- Vakaiʻi fakalelei ʻa e kaati fakamoʻua mo e ngaahi fakamatala pepa fakapangikee hili ʻa e fakatau ke fakapapauʻi kuo ʻa e lahi totonu ʻo e paʻanga ne to’o, pea kuo teʻeki ai foki ke hoko ha kaka koeʻuhi ko e fakatau ne fakahoko
- Fakapapauʻi ʻoku ke maʻu ha ‘anitai-vailasi/antispyware lelei mo fo’ou ma’u pea mo e firewall ‘oku mo’ui ‘o lele kimuʻa pea ke toki hu ki he ʻInitaneti.