Sida Aad Uga Fogaanayso Tuugada Iyo Khiyaamada Tamarta

Sida Aad Uga Fogaanayso Tuugada Iyo Khiyaamada Tamarta

Fraud and ScamsTuugada beegsanaaya macaamiisha ayaa aad usoo batay. Waxaa jira boqolaal tuugo oo caan ah, iyo kuwo cusub oo markasta soo baxaaya. Xafiiska Ohio Consumers’ Counsel (OCC), oo ah u doodahaaga macaamiisha adeegyada tamarta guryaha, ayaa abuuray xaashidaan xogta si lagaaga caawiyo inaad iska ilaaliso tuugada caanka ah ee tamarta.

Waa maxay tuugadu?

Tuugadu waa shabakad dadka ku khiyaanta inay bixiyaan xogtooda shaqsiga ah ama lacagtooda oo ay siiyaan shaqsi ama shirkad tuugo ah. Macaamiisha ayaa dhibane u noqda tuugada marka ay lacagtooda ku baxshaan alaabo ama adeegyo khiyaano ah ama la xado xogtooda gaarka ah ama xogta koontadooda.

Xogta tuugada ayaa sidoo kale laga heli karaa Xafiiska Garyaqaanka Guud ee Ohio www.ohioattorneygeneral.gov, iyo Federal Trade Commission, www.consumer.ftc.gov.

Farsamooyinka caanka ah ee tuugada

Tuugo iska dhigaaya inay ka socdaan shirkadaada tamarta ayaa kaa codsan kara inaad lacag degdeg ah bixiso ayagoo kuugu hanjabaaya in lagaa jari doono adeegaaga. Tuugada ayaa sidoo kale iskudayi kara inay galaan xogta gurigaaga ama gaarka ah ama inay xog kale oo been ah ka sheegtaan alaabo iyo adeegyo ama barnaamijyo gaar ah oo kaa caawinaaya bixinta biilalkaaga.

Tuugada lacagaha degdega ah. Iska ilaali qof kasta oo sheeganaaya in lagaa jari doono adeegga haddii aadan degdeg lacag u bixin. Adeegyada tamarta ayaa laga doonayaa inay ku siiyaan ogaysiis hore muddo kahor intaan adeegyada lagaaga jarin sababo lacageed mana jaraan adeegga saacado ka baxsan kuwa shaqada.

Shirkadaha tamartu uma baahna lacag bixin degdeg ah oo lagu baxsho kaarka lacagta hormariska ah ama kaarka hadiyada ama kuulama soo xariirayaan si aad u siiso xogtaada gaarka ah. Haddii laguu sheego in koontadaada ay muddo dhaaftay, ka fiiri xaaladda koontadaada oonleenka ama wac lambarka adeegga macaamiisha ee ku qoran biilkaaga tamarta. Baro xaquuqahaaga ku jira Tusmada OCC ee Jarista iyo Dib U xirista Adeegga Tamarta ood ka helayso www.occ.ohio.gov.

Tuugada iska dhigaaya shaqaalaha shirkada tamarta. Qof ayaa sheegan kara inuu u yimid gurigaaga si uu dib ugu rakibo, u dayactiro, u badalo ama u kormeero saacadaada ama aaladaha kale ee tamarta. Haddii shaqaalaha shirkada tamarta ama qandaraasleyaasha sharciga ah ay baahi sharci ah u qabaan inay gurigaaga galaan, waxaa laguusoo dirayaa ogaysiis kuu sheegaaya xiliga la imaanaayo guriga. Qarashka adeegga tamarta ama qalabka la xariira ayaa caadiyan lagu darayaa biilkaaga.

Kadib marka korontadu si guud u tagto ayuu tuug kuu sheegi karaa inuu korontada kuusoo celin karo haddii aad lacag hormaris ah siiso. Shirkadaha tamartu uma baahna lacag si ay usoo celiyaan adeegga kadib marka masiibo dabiici ahi dhacdo ama sababo kale korontadu u go'do. Hel xog dheeraad ah, oo ay ku jirto liiska muhiimka ah ee macaamiisha, oo ku saabsan Go'itaanka Korontada ee OCC: Xaashida Xogta ee Tilmaamaha Ammaanka iyo Xaquuqda Macmiilka ood ka helayso www.occ.ohio.gov.

Lacag celin ama qiimo dhimis been ah. Waxaa laga yaabaa in laguu balan qaado lacag celin, alaab bilaash ah, ama adeegyo. Markasta si adag u hubi sheegashooyinka kahor intaadan siin wax xog ah ama aadan qof aadan garaneyn soo gelinin gurigaaga. Haddii lacag bixin dheeraad ah oo sharci ah dhacdo, waxaa lagu shubi doonaa koontadaada ayadoon loo baahan inaad keento ama cadayso xogta koontada.

Hanaanka been abuurka aqoonsiga wacaha Tignooloojiyada “abuurista sawirka been abuurka ah” ayaa loo adeegsan karaa si loo badalo qoraalka kusoo qormaaya aqoonsiga wacaha. Ha qaban wicitaannada aadan hubin. Ku jar haddii wicitaanku u muuqdo mid laga shakiyo. Ha wicin lambarada aad ka shakido ama aadan xaqiijin. Ka wac shirkadaada tamarta lambarka ku qoran biilkaaga.

Tuugada albaabada istaaga. Tuugo iska dhigaaya wakiillada shirkadaha ama adeeg bixiyaasha shirkadaha gaaska dabiiciga ah ama korontada ayaa lasoo sheegay. Markasta ka codso aqoonsi sawir leh oo hubi kahor intaadan qof u ogolaan inuu gurigaaga galo. Iska ilaali inaad la wadaagto wax xog gaar ah, ayna ku jirto xogta biilka.

Iska ilaali in lagu khiyaamo

Baro taatikooyinka guud oo adeegso qaababkan ugu haboon si aad uga fogaato khiyaannada.

Difaac xogta gaarka ah. Shirkadaha adeegu kumasoo wacayaan si ay kuu waydiiyaan xogtaada gaarka ah ama koontada. Iska ilaali inaad cid la wadaagto ama u xaqiijiso xogta xasaasiga ah sida lambarada koontada, xogta kaarka daynta ama xogta gaarka ah. Ha tusin biilkaaga tamarta qof sheeganaaya inuu u baahan yahay inuu fiirsho ama xaqiijiyo qarashaadka.

Feejignoow. Iska ilaali inaad iibiye aadan aqoon soo geliso gurigaaga. Iska ilaali inaad wacdo lambaro aadan aqoon. Ku dami dadka kusoo waca ee ku waydiista inaad riixdo lambaro ama wacdo lambarka taleefanka bilaashka ah.

Waqtigaaga qaado. Tuugada ayaa badanaa adeegsada farsamooyin cadaadis badan doonaayana inaad talaabo degdeg ah qaado, si aadan u xaqiijin sheegashadooda. Akhri biilalkaaga bilaha ah oo su'aalo ka keen qarashaadka aadan garanayn.

Soo sheeg tuugada

Haddii aad ka shakido khiyaano la xariir booliiska maxaliga ah. Xafiiska Garyaqaanka Guud ayaa sidoo kale xalin kara tuugada tamarta. Wac 1-800-282-0515, ama buuxi foomkooda cabashada oonleenka ah ood ka helayso
www.ohioattorneygeneral.gov. Foomka ayaad sidoo kale daabici kartaa una diri kartaa boostada:

Xafiiska Qareenka Guud
Consumer Protection Section
30 E. Broad St., 14th Floor
Columbus, Ohio 43215

Su'aalaha iyo cabashooyinka ku aadan adeegyada tamarta, ayna ku jiraan tuugada, u dir Gudigga Adeegyada Tamarta Dadwaynaha ee Ohio. Kudir cabashooyinka xogta foomkooda cabashada oonleenka ah oo aad ka helayso www.puco.ohio.gov, wac 1-800-686-7826, ama fariin ugu dir:

Public Utilities Commission of Ohio
Attn: CSD
180 E. Broad St.
Columbus, Ohio 43215-3793

 


 

To download: Click the folder with a down arrow icon. To print: Click the printer icon in the top right of the display.

If you need multiple copies for an organization or group, please contact a member of our outreach team.