IFinancial Sector Conduct Authority Ilirhoxisile iphepha-mvume lomboneleli womngcwabi waseNtshona Koloni apho i-Ombud ye-FAIS ukuza kuthi ga ngoku ikhuphe izigqibo ezilishumi elinambini (12).
I-Ombud yabaBoneleli bee Nkonzo zemali ikhuphe ezinye izigqibo ezine ezenziweyo ngokuchasene neLuvuyo Burial and Consulting (Pty) Ltd – ezintathu kuzo kwinyanga ye Khala nesinye kwi nyanga yeThupha.
I-FSCA iye yarhoxisa iphepha-mvume lika Luvuyo’ ngomhla wamashumi amabini anesihlanu (25) kweyeThupha emva kokuyinqumamisa kwinyanga ka Tshazimpuzi, kulandela ukuba iOmbud’s ibhekiselele kumiselo. ULuvuyo wabhaliswa ngo-2014 waza wafumana ilayisensi yeFSP ngo-2016.
Njengakwizigqibo zangaphambili ezikhutshwe kulo nyaka, izigwebo zamva nje zeOmbud’ zifumanise ukuba umboneleli wenkonzo yokungcwaba ose-Khayelitsha khange awahloniphe amabango asemthethweni nangona abanini-polisi behlawule iintlawulo zabo. Ukusilela kuka Luvuyo ukunika inkonzo yezemali ngobuchule obufanelekileyo, inkathalo, kunye nenkuthalo kwakuchasene neMithetho yoKhuseleko lwabanini-Polisi (Policyholder Protection Rules (PPR)) kunye nemithetho-siseko yokuphatha abathengi ngokufanelekileyo (Treating Customers Fairly (TCF) principles).
Akukho kubhalwa Phantsi
IOfisi yeOmbud ikhuphe isigwebo sayo sokuqala ngaku Luvuyo kweyoMqungu. Ngelixa wayethetha ngeso sikhalazo, iOfisi yafumanisa ukuba uLuvuyo wayengenaye umbhali ongaphantsi.
I-Ofisi yaqinisekisa ukuba iSanlam Developing Markets yaba ngumbhali ongaphantsi kwesikimu nge-1 kweyo Mqungu kunyaka ka 2020, kodwa ubudlelwane bapheliswa ngomhla wokuqala kwinyanga ka Canzibe kunyaka ka-2021. Ngokusekelwe kwiimpendulo ezifunyenwe kwi-FSCA kunye ne-Luvuyo, i-Ombud yagqiba ekubeni umbhali ongaphantsi omtsha akazange aqeshwe.
Umgaqo-nkqubo womngcwabo ekuthethwa ngawo wakhutshwa ngenyanga yeDwarha kunyaka ka-2020, kwaye ibango langeniswa nge yeDwarha kunyaka ka 2023.
uJohn Simpson oli Gqwetha le Ombud, uthumele ukuzimisela ‘determination’ kwi-FSCA ukuze kuphandwe ngakumbi kunye namanyathelo anokubakho okunyanzelisa.
Funda: Burial society ordered to pay after failing to inform policyholder of premium hike
I-Ombud ikhuphe izigqibo ezine ngokuchasene noLuvuyo ngomhla wesi-8 kuTshazimpuzi. USimpson uphinde wachaza ukuba uLuvuyo wayesebenza ngaphandle kombhali ongaphantsi xa amabango efakwa kwaye izikhalazo zafakwa. Ezi zigqibo nazo zathunyelwa kwiFSCA.
I-FSCA yanqumamisa ilayisensi yeLuvuyo’ ngomhla weshumi elinesine (14) kuTshazimpuzi.
Funda: FSCA suspends FSP’s licence after third Ombud determination
Funda: More FAIS Ombud determinations against funeral provider
Kwawiswa ezinye izigwebo ezithathu ezixhasa abanini-polisi ngenyanga ye Silimela.
Funda: Luvuyo Burial hit with three more Ombud rulings over unpaid funeral claims
Ukuzimisela kwamva nje
Izigqibo ezine zamva nje zichaphazela:
• umgaqo-nkqubo othathwe ngeye Dwarha ku 2018 kwaye ibango lenziwe ngoSeptemba 2024;
• umgaqo-nkqubo obanjwe ukususela ngeyo Mnga ku 2018 kunye nebango ngoSeptemba 2024;
• umgaqo-nkqubo obanjwe ukususela kweyo Msintsi 2019 kunye nebango ngeye -Thupha ku 2024; kwaye
• umgaqo-nkqubo owasungulwa kwinyanga ka Canzibe ng -2020, apho ibango lenziwa kweye Silimela kunyaka ka-2024.
Kwimeko nganye, inzuzo ebangwayo yayiyi-R10 000.
Abamangali abakhange bafumane mpendulo kuLuvuyo, engakhange ayihoye “iimbalelwano ezininzi” ezivela kwiOfisi yeOmbud.
Kuzo zonke ezi meko, iGqwetha uSimpson wafumanisa ukuba uLuvuyo wasilela ukuthobela imigaqo 2A.8.1 kunye ne-2A.8.2 yePPR.
Umgaqo 2A.8.1 ufuna ukuba: “Umkhuseli kufuneka, kwiintsuku ezimbini zokusebenza emva kokuba onke amaxwebhu afunekayo ngokubhekiselele kwibango eliphantsi komgaqo-nkqubo we-microinsurance okanye umgaqo-nkqubo womngcwabo ufunyenwe, (a) avavanye kwaye enze isigqibo sokuba ingaba ibango lingenisiwe na. isemthethweni, kwaye (b) (i) igunyazise ukuhlawulwa kwebango; (ii) likhabe ibango; okanye (iii) phikisana nebango kwaye wazise ummangali wengxabano.”
Umgaqo 2A.8.2 ubonelela ukuba: “Ukuba ibango liyaphikiswa njengoko kubhekiswa kulo kumgaqo 2A.8.1 (b)(iii), i-inshurensi phakathi kweentsuku ezili-14 zokusebenza emva kokuphela kwexesha ekubhekiselwe kulo kumgaqo 2A.8.1 (a) unokuphanda ngakumbi ibango; (b) kufuneka enze isigqibo sokuba ingaba ibango elifakiweyo liyasebenza na okanye hayi; kwaye (c) kufuneka ahlawule okanye alikhabe ibango.”
Inkqubo yamabango echazwe kuMgaqo 2A.8 iphelelwe lixesha ngaphandle kokuba amabango asonjululwe.
Ngaphaya koko, ukusilela kwe Luvuyo’ ukusetyenzwa kwamabango kubonakalise ngokufanelekileyo inon-compliance with TCF Outcome 6, ethi abathengi -“abajongani nezithintelo ezingekho ngqiqweni emva kokuthengiswa xa befuna ukutshintsha imveliso, batshintshe ababoneleli, bangenise ibango, okanye benze isikhalazo”. “customers do not face unreasonable post-sale barriers when they want to change a product, switch providers, submit a claim, or make a complaint”.
Njengakwizigqibo zakhe zangaphambili, iOmbud yayalela uLuvuyo ukuba ahlawule ummangali ngamnye i-R10 000 (isixa samabango abo ahlukeneyo), kunye nenzala, ebalwa ukususela kumhla wokumiselwa kude kube ngumhla wentlawulo yokugqibela.
Imiyalelo ayihoywanga
USimpson uxelele iMoonstone ukuba, ngokokwazi kweOfisi yakhe, uLuvuyo akenzanga naziphi na iintlawulo kubamangali abakhankanywe kwizigqibo ezyi-12. Zonke izigqibo zenziwe yimiyalelo yenkundla, kwaye abamangali banokunyanzelisa imiyalelo ngosherifu wenkundla.
Inkampani ayikhange ifake naziphi na izicelo zokuqwalaselwa kwakhona kwiNkundla yeeNkonzo zemali.
“Luvuyo wayeka ukuphendula kuyo nayiphi na imbalelwano esiyithumele kuyo, utshilo ummeli uSimpson.”
Eli nqaku lipapashwe ngomhla wesibini kweyeDwarha (2 October 2025), liguqulelwe kwi siXhosa ngu Ongeziwe Babane.
Cofa apha , ufunde inqaku lesiNgesi elibhalwe yi Moonstone.
