{"id":524,"date":"2020-05-01T08:16:01","date_gmt":"2020-05-01T08:16:01","guid":{"rendered":"https:\/\/app-cprd-moneyadvice.azurewebsites.net\/?page_id=524"},"modified":"2025-10-16T11:44:52","modified_gmt":"2025-10-16T11:44:52","slug":"dyled","status":"publish","type":"page","link":"https:\/\/www.cardiffmoneyadvice.co.uk\/cy\/cyngor\/dyled\/","title":{"rendered":"Dyled"},"content":{"rendered":"

[vc_row full_width=”stretch_row” content_placement=”middle” el_id=”headerrow” css=”.vc_custom_1582300353698{padding-top: 15px !important;}”][vc_column width=”2\/3″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1589966576791{padding-left: 5% !important;}” el_class=”whitetext”]<\/p>\n

Helpu i ddelio \u00e2 dyled gan ein T\u00eem Cyngor ar Arian<\/h1>\n

[\/vc_column_text][\/vc_column][vc_column width=”1\/3″ offset=”vc_hidden-xs”][vc_single_image image=”115″ alignment=”center” css_animation=”fadeInRight”][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=”45px”][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text css=”.vc_custom_1760615084760{padding-right: 2% !important;padding-left: 2% !important;}”]Gallwn eich helpu i leihau a rheoli ffynonellau dyled amrywiol. Byddwn yn asesu eich sefyllfa ac yn cynnig cyngor ac argymhellion wedi’u teilwra i chi, gan wneud cais am gynlluniau perthnasol ar eich rhan i helpu i leihau eich gwariant.<\/p>\n

Mae’n bwysig eich bod yn defnyddio unrhyw arian ychwanegol sydd gennych i glirio dyledion \u00e2 blaenoriaeth iddynt, gan y bydd y math hwn o ddyled yn arwain at gymryd camau mwy difrifol pe na byddech yn eu talu.<\/p>\n

Beth yw dyledion \u00e2 blaenoriaeth a dyledion heb flaenoriaeth?<\/strong><\/p>\n

Pan fyddwch ar gyllideb gyfyngedig a biliau’n dal i gyrraedd, gall fod yn anodd penderfynu pwy i dalu gyntaf. Ffordd syml o wneud hyn yw gweld a ydyn nhw\u2019n ddyledion \u00e2 blaenoriaeth neu’n rhai heb flaenoriaeth.<\/p>\n

Beth yw\u2019r gwahaniaeth?<\/p>\n

Mae dyled \u00e2 blaenoriaeth yn un fydd yn cael yr effaith fwyaf difrifol arnoch chi a’ch teulu os na fyddwch yn ei thalu. Mae dyledion a’r taliadau ychwanegol sy’n cael eu gosod pan na fyddwch yn talu yn gallu cynyddu\u2019n gyflym.<\/p>\n

Os ydych yn cael trafferth talu unrhyw fil, dylech bob amser gadw mewn cysylltiad \u00e2’r cwmni mae arnoch arian iddo gan fod ganddynt fel arfer ffyrdd o helpu – yn enwedig os ydych chi\u2019n siarad \u00e2 nhw cyn gynted ag y byddwch yn dechrau cael trafferth.<\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Dyled \u00e2 blaenoriaeth<\/caption>\n
Dyled \u00e2 blaenoriaeth?<\/strong><\/th>\nBeth yw’r peth gwaethaf all ddigwydd?<\/strong><\/th>\n<\/tr>\n
Rhent ac \u00f4l-ddyledion rhent<\/td>\nEich troi o’ch cartref<\/td>\n<\/tr>\n
Morgais\/benthyciad wedi’i warantu<\/td>\nEich troi o’ch cartref<\/td>\n<\/tr>\n
Rhent tir a thaliadau lesddaliad<\/td>\nColli’r brydles ac ailfeddiannu gan y rhydd-ddeiliad<\/td>\n<\/tr>\n
Dirwy llys ynadon heb ei thalu<\/td>\nCarchar<\/td>\n<\/tr>\n
\u00d4l-ddyledion Treth Gyngor<\/td>\nAtafaelu enillion\/asiantau gorfodi<\/td>\n<\/tr>\n
\u00d4l-ddyledion nwy\/trydan<\/td>\nDatgysylltu<\/td>\n<\/tr>\n
Treth incwm\/Yswiriant Gwladol heb eu talu<\/td>\nMethdaliad<\/td>\n<\/tr>\n
\u00d4l-ddyledion hurbwrcasu\/benthyciad llyfr log<\/td>\nAdfeddiannu nwyddau<\/td>\n<\/tr>\n
Gordaliad credydau treth<\/td>\nAsiantau gorfodi yn gallu cymryd rheolaeth dros nwyddau<\/td>\n<\/tr>\n
Gordaliadau budd-dal (os yn dal i\u2019w derbyn)<\/td>\nDidyniadau o fudd-daliadau parhaus neu ddefnyddio asiantiaid gorfodi<\/td>\n<\/tr>\n
Trwydded deledu heb ei thalu<\/td>\nDirwy llys ynadon<\/td>\n<\/tr>\n
Cynhaliaeth plant heb ei thalu<\/td>\nCarchar<\/td>\n<\/tr>\n
Hysbysiadau T\u00e2l Cosb (Cyngor)<\/td>\nAsiantau gorfodi yn gallu cymryd rheolaeth dros nwyddau<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Dyledion heb flaenoriaeth<\/caption>\n
Dyledion heb flaenoriaeth <\/strong><\/th>\nBeth yw’r peth gwaethaf all ddigwydd?<\/strong><\/th>\n<\/tr>\n
Cardiau Credyd<\/td>\nGellir effeithio ar statws credyd a gall ei gwneud yn anos cael credyd<\/p>\n

Ar \u00f4l colli 3 – 6 o daliadau gall credydwr gyflwyno hysbysiad diffygdalu a all effeithio ar gredyd am hyd at 6 blynedd<\/p>\n

Ar \u00f4l i gyfrif gael ei ddiffygdalu, bydd credydwyr fel arfer yn trosglwyddo\u2019r ddyled i gasglwyr dyledion lluosog.<\/p>\n

Gall credydwyr benderfynu gwneud cais i’r llys i ddechrau hawlio arian, sy’n gallu arwain at Ddyfarniad Llys Sirol neu gofrestru DLlS yn eich erbyn.<\/p>\n

Wedi i DLlS gael ei gofrestru ac yn derbyn statws diffygdalu, gall y credydwr wneud cais yn \u00f4l i’r llys i orfodi’r dyfarniad.<\/p>\n

Gallai gorfodi fod ar ffurf gorchymyn atafaelu enillion, gorchymyn codi t\u00e2l, gwarant rheoli, gorchymyn dyled trydydd parti neu fethdaliad ac ati.<\/p>\n

Byddai’n dibynnu ar faint o ddyled sy’n ddyledus pa un a ellid gwneud cais am orchymyn codi t\u00e2l neu fethdaliad yn eich erbyn<\/p>\n

 <\/td>\n<\/tr>\n

Benthyciadau heb eu Gwarantu<\/td>\n<\/tr>\n
Benthyciadau Diwrnod Cyflog<\/td>\n<\/tr>\n
Cardiau Siopau<\/td>\n<\/tr>\n
Catalogau<\/td>\n<\/tr>\n
Gorddrafftiau<\/td>\n<\/tr>\n
Dyled d\u0175r<\/td>\n<\/tr>\n
Diffyg mewn taliadau morgais<\/td>\n<\/tr>\n
Tocynnau parcio preifat<\/td>\n<\/tr>\n
Dyledion personol i deulu\/ffrindiau<\/td>\nFel arfer nid oes unrhyw ffyrdd swyddogol y gall teulu a ffrindiau eich gorfodi i ad-dalu benthyciadau anffurfiol<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Taflen Gyllideb<\/strong><\/p>\n

Defnyddiwch y Cynlluniwr Cyllideb<\/a> hon i weld faint o arian sydd gennych yn dod i mewn a beth rydych yn ei wario arno.<\/p>\n

Sut gallwn ni helpu<\/h2>\n

Gallwn eich helpu mewn llawer o ffyrdd gwahanol, o’ch helpu i drefnu talu dyled y dreth gyngor, i wneud cais am grantiau, gostyngiadau a chynlluniau eraill i leihau dyledion a chynyddu eich incwm.<\/p>\n

Cysylltwch \u00e2’r\u00a0Llinell Gynghori<\/a>\u00a0ar\u00a002920 871 071<\/a>\u00a0neu ewch i un o’n Hybiau i gael rhagor o wybodaeth am sut y gallwn ni helpu.[\/vc_column_text][\/vc_column][vc_column css_animation=”fadeIn” width=”1\/3″][vc_empty_space][vc_single_image image=”293″ img_size=”250×250″ alignment=”center” style=”vc_box_border_circle” border_color=”sky” css_animation=”right-to-left”][vc_empty_space][vc_raw_html]JTNDZGl2JTIwaWQlM0QlMjJiZ3NwbGF0JTIyJTNFJTNDc3BhbiUyMGNsYXNzJTNEJTIyYWR2aWNlMSUyMiUzRUxsaW5lbGwlMjBHeW5naG9yaSUyMGFyJTIwQXJpYW4lM0MlMkZzcGFuJTNFJTIwJTNDc3BhbiUyMGNsYXNzJTNEJTIyYWR2aWNlMiUyMiUzRSUzQ2ElMjB0aXRsZSUzRCUyMjAyOTIwJTIwODcxJTIwMDcxJTIyJTIwaHJlZiUzRCUyMnRlbCUzQTAyOTIwJTIwODcxJTIwMDcxJTIyJTNFMDI5MjAlMjA4NzElMjAwNzElM0MlMkZhJTNFJTNDJTJGc3BhbiUzRSUwQSUzQyUyRnNwYW4lM0UlM0MlMkZkaXYlM0U=[\/vc_raw_html][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=”45px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” equal_height=”yes” content_placement=”middle” css_animation=”fadeInUp” css=”.vc_custom_1583932026948{padding-top: 45px !important;padding-bottom: 45px !important;background-color: #f9f9f9 !important;}”][vc_column width=”2\/3″][vc_column_text css=”.vc_custom_1589966792717{padding-right: 2% !important;padding-left: 2% !important;}”]<\/p>\n

Cymorth arall sydd ar gael<\/h2>\n

Os yw’r T\u00eem Cynghori ar Arian yn nodi swm sylweddol o ddyled, yna byddant yn eich cyfeirio at un o’n\u00a0sefydliadau partner<\/a>, megis\u00a0Cyngor ar Bopeth<\/a>. Gallant gynnig apwyntiadau a chymorth arbenigol i’ch helpu i ddelio \u00e2 dyledion \u00e2 blaenoriaeth a rhai nad ydynt yn flaenoriaeth, gyda’i gilydd.<\/p>\n

Step Change<\/a>\u00a0yw prif elusen dyledion y DG sydd \u00e2 dros 25 mlynedd o brofiad o ddarparu cyngor arbenigol am ddim ar-lein a thros y ff\u00f4n ar ddyledion. Creu cyllideb a chael cynllun gweithredu personol gyda chamau nesaf ymarferol a chymorth parhaus wrth i chi ddelio \u00e2’ch problemau dyled.[\/vc_column_text][\/vc_column][vc_column css_animation=”fadeIn” width=”1\/3″][vc_single_image image=”270″ img_size=”full” alignment=”center”][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1584356079061{padding-right: 5% !important;padding-left: 5% !important;}”][vc_column][vc_empty_space height=”45px”][vc_column_text]<\/p>\n

\n

Gwnaeth y Cynghorydd Ariannol ei orau glas drosof ac alla i ddim diolch digon iddo!<\/p>\n<\/blockquote>\n

[\/vc_column_text][vc_empty_space height=”45px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row_content_no_spaces” parallax=”content-moving” parallax_image=”254″ css=”.vc_custom_1587735915338{background-position: center;background-repeat: no-repeat !important;background-size: cover !important;}” el_id=”pageimg” el_class=”endrow”][vc_column][vc_empty_space height=”450px”][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"[vc_row full_width=”stretch_row” content_placement=”middle” el_id=”headerrow” css=”.vc_custom_1582300353698{padding-top: 15px !important;}”][vc_column width=”2\/3″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1589966576791{padding-left: 5% !important;}” el_class=”whitetext”] Helpu i ddelio \u00e2 dyled gan ein T\u00eem Cyngor ar Arian [\/vc_column_text][\/vc_column][vc_column width=”1\/3″ offset=”vc_hidden-xs”][vc_single_image image=”115″ alignment=”center” css_animation=”fadeInRight”][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=”45px”][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text css=”.vc_custom_1760615084760{padding-right: 2% !important;padding-left: 2% !important;}”]Gallwn eich helpu i leihau a rheoli ffynonellau dyled amrywiol. Byddwn yn asesu eich sefyllfa ac yn cynnig cyngor… View Article<\/a>","protected":false},"author":2,"featured_media":0,"parent":520,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-524","page","type-page","status-publish","hentry"],"yoast_head":"\nDyled - Cardiff Money Advice Service<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cardiffmoneyadvice.co.uk\/cy\/cyngor\/dyled\/\" \/>\n<meta property=\"og:locale\" content=\"cy_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dyled - Cardiff Money Advice Service\" \/>\n<meta property=\"og:description\" content=\"[vc_row full_width=”stretch_row” content_placement=”middle” el_id=”headerrow” css=”.vc_custom_1582300353698{padding-top: 15px !important;}”][vc_column width=”2\/3″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1589966576791{padding-left: 5% !important;}” el_class=”whitetext”] Helpu i ddelio \u00e2 dyled gan ein T\u00eem Cyngor ar Arian [\/vc_column_text][\/vc_column][vc_column width=”1\/3″ offset=”vc_hidden-xs”][vc_single_image image=”115″ alignment=”center” css_animation=”fadeInRight”][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=”45px”][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text css=”.vc_custom_1760615084760{padding-right: 2% !important;padding-left: 2% !important;}”]Gallwn eich helpu i leihau a rheoli ffynonellau dyled amrywiol. 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