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<title>FAQ 01 - Beth yw pwerau beil�aid a chasglwyr dyledion? | CLOSED | Archive</title>
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<h2>1. Beth yw pwerau beilïod a chasglwyr dyledion?</h2>
<p class="secp">Eich hawliau wrth ddelio â beilïod neu gasglwyr dyledion.</p>
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<p>Cyflogir beilïod gan gredydwyr (pobl neu sefydliadau y mae arnoch arian iddynt).</p>
<p>Gall beilïod geisio cymryd eich meddiannau, a gallant wedyn eu gwerthu i ad-dalu eich dyledion. Yn achos y rhan fwyaf o ddyledion, ni allant wneud hyn ond gyda chaniatâd llys. Fodd bynnag, gall Cyllid a Thollau Ei Mawrhydi (CTEM) alw ar feilïaid i gasglu arian sy'n ddyledus gennych iddynt (er enghraifft, treth heb ei thalu) heb orfod cael caniatâd llys.</p>
<p>Ceir gwahanol fathau o feilïod, hynny'n dibynnu ar y math o ddyled ac i bwy mae'n ddyledus. Yn y rhan fwyaf o achosion mae beili naill ai'n swyddog llys â thystysgrif neu wedi ei gyflogi gan gwmni preifat casglu dyledion.</p>
<p>Efallai eich bod yn credu bod gan feilïaid yr hawl i wthio'u ffordd i'ch cartref, ond fel rheol caniateir iddynt wneud hynny ond yn unig pan fo gennych ddyledion dirwyon llys ynadon heb eu talu. Os yw'n fath arall o ddyled, gallant ddefnyddio grym ‘rhesymol' i gael mynediad i'ch cartref ond yn unig os buont i mewn yn eich cartref ar achlysur blaenorol ynglŷn â'r un ddyled.</p>
<p>Os caniatewch i feili ddod i mewn i'ch cartref, bydd, fel rheol, yn cymryd ‘meddiant ar droed' (llunio rhestr) o rai o'ch meddiannau. Golyga hyn os na allwch drafod taliadau derbyniol gyda'r beili, neu'ch bod yn methu taliadau y cytunasoch arnynt gyda'r beili, gallant yn gyfreithlon wthio'u ffordd i mewn i'ch cartref a chymryd ymaith yr eitemau hynny. Felly, petaech chi byth yn caniatáu i feili ddod i mewn i'ch cartref, ni all byth gymryd meddiant ar droed o'ch meddiannau ynddo. Fodd bynnag, gall gymryd meddiannau y tu allan i'ch cartref (car, er enghraifft).</p>
<p>Ar gyfer y rhan fwyaf o ddyledion, ni all beili gymryd ‘eitemau sylfaenol cartref'. Mae'r rhain yn cynnwys gwely, cwcer, oergell a'r rhan fwyaf o ddodrefn. Fodd bynnag, gallant gymryd, er enghraifft, teledu neu eitemau eraill llai angenrheidiol.</p>
<p>Nid beilïod yw casglwyr dyledion ac nid oes ganddynt yr un pwerau. Rhaid iddynt beidio aflonyddu arnoch i geisio gwneud i chi dalu'ch dyled, ond fe ganiateir iddynt fynd ar ôl dyledion trwy lythyr, ffôn, ac mewn achosion eithafol, achos cyfreithiol. Caniateir iddynt hefyd ddeisebu am fethdaliad (gofyn i'r llys eich gwneud yn fethdalwr).</p>
<p>Os oes angen help arnoch gyda beilïod, casglwyr dyledion neu unrhyw wedd arall ar ddyled, argymhellwn eich bod yn siarad ag un o'n hymgynghorwyr dyledion ar 08001 225 6653 i gael cyngor arbenigol. Nid yw cyngor arbenigol ar y ffôn ar gael ond yn unig os ydych yn gymwys am gymorth cyfreithiol.</p>
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