{"id":23673,"date":"2021-11-10T16:33:56","date_gmt":"2021-11-10T16:33:56","guid":{"rendered":"https:\/\/fuw.networkportfolio.co.uk\/?page_id=23673"},"modified":"2021-11-10T16:34:14","modified_gmt":"2021-11-10T16:34:14","slug":"covid-19-financial-difficulties","status":"publish","type":"page","link":"https:\/\/fuw.networkportfolio.co.uk\/cy\/covid-19-financial-difficulties\/","title":{"rendered":"Diweddariadau COVID"},"content":{"rendered":"

Diweddariadau<\/span>\u00a0COVID<\/span>\u00a0<\/span><\/h1>\n

Cleientiaid\u00a0sy\u2019n\u00a0cael\u00a0anawsterau\u00a0ariannol\u00a0<\/span><\/h2>\n

Ar<\/span>\u00a0Mai 18<\/span>f<\/span>ed, 2020,\u00a0<\/span>cyflwynodd<\/span>\u00a0y Financial Conduct Authority (FCA)\u00a0<\/span>fesurau<\/span>\u00a0<\/span>newydd<\/span>\u00a0<\/span>ar<\/span>\u00a0<\/span>gyfer<\/span>\u00a0<\/span>cwmn<\/span>\u0457<\/span>au<\/span>\u00a0<\/span>yswiriant<\/span>\u00a0a\u00a0<\/span>chyllid<\/span>\u00a0<\/span>premiwm<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>helpu<\/span>\u00a0<\/span>cleientiaid<\/span>\u00a0<\/span>sydd<\/span>\u00a0<\/span>mewn<\/span>\u00a0<\/span>anhawster<\/span>\u00a0<\/span>ariannol<\/span>.\u00a0<\/span>\u00a0<\/span>Os<\/span>\u00a0<\/span>ydych<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>profi<\/span>\u00a0<\/span>caledi<\/span>\u00a0<\/span>ariannol<\/span>, neu\u00a0<\/span>os<\/span>\u00a0<\/span>bydd<\/span>\u00a0<\/span>amgylchiadau<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>newid<\/span>\u00a0<\/span>yn<\/span>\u00a0y\u00a0<\/span>gwaith<\/span>\u00a0neu\u00a0<\/span>gartref<\/span>,\u00a0<\/span>efallai<\/span>\u00a0y\u00a0<\/span>byddwn<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>gallu<\/span>\u00a0<\/span>helpu<\/span>\u00a0<\/span>drwy<\/span>:<\/span>\u00a0<\/span><\/p>\n

    \n
  • Ail-<\/span>asesu<\/span>\u00a0<\/span>eich<\/span>\u00a0<\/span>gofynion<\/span>\u00a0<\/span>a\u2019ch<\/span>\u00a0<\/span>anghenion<\/span>\u00a0<\/span><\/li>\n
  • Adolygu<\/span>\u00a0<\/span>lefelau<\/span>\u00a0<\/span>gwarchodaeth<\/span>\u00a0<\/span><\/li>\n
  • Ychwanegu<\/span>\u00a0neu\u00a0<\/span>ddileu<\/span>\u00a0<\/span>gwarchodaeth<\/span>\u00a0<\/span>dewisol<\/span>\u00a0<\/span>megis<\/span>\u00a0<\/span>treuliau<\/span>\u00a0<\/span>cyfreit<\/span>hi<\/span>ol<\/span>\u00a0<\/span><\/li>\n
  • Ychwanegu<\/span>\u00a0neu\u00a0<\/span>ddileu<\/span>\u00a0<\/span>pobl<\/span>\u00a0<\/span>ar<\/span>\u00a0<\/span>eich<\/span>\u00a0<\/span>polisi<\/span>\u00a0<\/span><\/li>\n<\/ul>\n

    Lle<\/span>\u00a0<\/span>nad<\/span>\u00a0<\/span>yw<\/span>\u00a0<\/span>diw<\/span>y<\/span>giadau<\/span>\u00a0<\/span>i\u2019ch<\/span>\u00a0<\/span>cynnwys<\/span>\u00a0<\/span>yswiriant<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>lliniaru<\/span>\u00a0<\/span>eich<\/span>\u00a0<\/span>gallu<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>d<\/span>alu<\/span>,\u00a0<\/span>dylech<\/span>\u00a0<\/span>gysylltu<\/span>\u00a0<\/span>\u00e2<\/span>\u2019ch<\/span>\u00a0<\/span>darparwr<\/span>\u00a0<\/span>cyllid<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>uniongyrchol<\/span>\u00a0<\/span>oherwydd<\/span>\u00a0<\/span>gallai<\/span>\u00a0<\/span>fod<\/span>\u00a0<\/span>cefnogaeth<\/span>\u00a0<\/span>bellach<\/span>\u00a0<\/span>ar<\/span>\u00a0<\/span>gael<\/span>,\u00a0<\/span>a<\/span>\u00a0<\/span>allai<\/span>\u00a0<\/span>gynnwys<\/span>:<\/span>\u00a0<\/span><\/p>\n

      \n
    • Y\u00a0<\/span>posibilrwydd<\/span>\u00a0o\u00a0<\/span>ohirio<\/span>\u00a0<\/span>taliadau<\/span>\u00a0(<\/span>cyfeiriwch<\/span>\u00a0at\u00a0<\/span>y\u00a0<\/span>cwestiynau<\/span>\u00a0<\/span>c<\/span>yffredin<\/span>)<\/span>\u00a0<\/span><\/li>\n
    • Taliadau<\/span>\u00a0<\/span>gostyngedig<\/span>\u00a0neu ail\u00a0<\/span>drefnu\u2019r<\/span>\u00a0<\/span>cyfnod<\/span>\u00a0<\/span>taliadau<\/span>\u00a0<\/span><\/li>\n
    • Hepgor<\/span>\u00a0<\/span>ffioedd<\/span>\u00a0<\/span>talu<\/span>\u2019n<\/span>\u00a0<\/span>hwyr<\/span>\u00a0neu\u00a0<\/span>daliadau<\/span>\u00a0a\u00a0<\/span>gollwyd<\/span>\u00a0<\/span><\/li>\n
    • Newid<\/span>\u00a0<\/span>eich<\/span>\u00a0<\/span>dyddiad<\/span>\u00a0ad-<\/span>dalu<\/span>\u00a0<\/span>heb<\/span>\u00a0<\/span>gost<\/span>\u00a0<\/span>i<\/span>\u00a0chi\u00a0<\/span>\u00a0<\/span><\/li>\n
    • Lleihau<\/span>\u00a0<\/span>taliadau<\/span>\u00a0<\/span>llog<\/span>\u00a0<\/span><\/li>\n<\/ul>\n

      Mae\u2019n<\/span>\u00a0<\/span>bwysig<\/span>\u00a0<\/span>nad<\/span>\u00a0<\/span>yw<\/span>\u00a0<\/span>cwsmeriaid<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>gadael<\/span>\u00a0<\/span>eu<\/span>\u00a0<\/span>hunain<\/span>\u00a0<\/span>heb<\/span>\u00a0<\/span>yswiriant<\/span>, felly\u00a0<\/span>rydym<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>eich<\/span>\u00a0<\/span>annog<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>gysylltu<\/span>\u00a0<\/span>\u00e2<\/span>\u00a0<\/span>ni<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>drafod<\/span>\u00a0<\/span>yr<\/span>\u00a0<\/span>opsiynau<\/span>\u00a0<\/span>sydd<\/span>\u00a0<\/span>ar<\/span>\u00a0<\/span>gael<\/span>\u00a0<\/span>os<\/span>\u00a0<\/span>ydych<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>cael<\/span>\u00a0<\/span>trafferth<\/span>\u00a0<\/span>fforddio<\/span>\u00a0<\/span>eich<\/span>\u00a0<\/span>taliadau<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>ystod<\/span>\u00a0<\/span>yr<\/span>\u00a0<\/span>amser<\/span>\u00a0<\/span>ansicr<\/span>\u00a0<\/span>hwn<\/span>.<\/span>\u00a0<\/span><\/p>\n

      Gweler<\/span>\u00a0<\/span>ein<\/span>\u00a0<\/span>Cwestiynau<\/span><\/b>\u00a0<\/span><\/b>Cyffredin<\/span><\/b>\u00a0<\/span>ar<\/span>\u00a0<\/span>ohirio<\/span>\u00a0<\/span>taliadau<\/span>\u00a0<\/span><\/p>\n

      C \u2013 Sut\u00a0<\/span>mae<\/span>\u00a0<\/span>gwneud<\/span>\u00a0<\/span>cais<\/span>\u00a0am\u00a0<\/span>ohirio<\/span>\u00a0<\/span>taliad<\/span>?<\/span>
      \n<\/span>A \u2013\u00a0<\/span>Dylech<\/span>\u00a0<\/span>gysylltu<\/span>\u00a0<\/span>\u00e2’ch<\/span>\u00a0<\/span>yswiriwr<\/span>\u00a0<\/span>neu’ch<\/span>\u00a0<\/span>darparwr<\/span>\u00a0<\/span>cyllid<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>uniongyrcho<\/span>l<\/span>\u00a0<\/span><\/p>\n

      C –\u00a0<\/span>Os<\/span>\u00a0<\/span>rhoddir<\/span>\u00a0<\/span>gohiriad<\/span>\u00a0<\/span>taliad<\/span>\u00a0<\/span>imi<\/span>, a\u00a0<\/span>nodir<\/span>\u00a0<\/span>fy<\/span>\u00a0mod\u00a0<\/span>mewn<\/span>\u00a0<\/span>\u00f4l-ddyledion<\/span>\u00a0<\/span>ar<\/span>\u00a0<\/span>fy<\/span>\u00a0<\/span>nhaliadau<\/span>?<\/span>
      \n<\/span>A – Na, ac\u00a0<\/span>ni<\/span>\u00a0<\/span>chaniateir<\/span>\u00a0<\/span>i’r<\/span>\u00a0<\/span>darparwr<\/span>\u00a0<\/span>nac<\/span>\u00a0<\/span>unrhyw<\/span>\u00a0<\/span>drydydd<\/span>\u00a0<\/span>parti<\/span>\u00a0<\/span>fel<\/span>\u00a0<\/span>brocer<\/span>\u00a0neu\u00a0<\/span>gasglwr<\/span>\u00a0<\/span>dyledion<\/span>\u00a0\u00a0\u00a0<\/span>ganslo’r<\/span>\u00a0<\/span>polisi<\/span>\u00a0<\/span>na<\/span>\u00a0<\/span>chasglu<\/span>\u00a0<\/span>taliad<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>ystod<\/span>\u00a0y\u00a0<\/span>cyfnod<\/span>\u00a0<\/span>gohirio<\/span>.<\/span>\u00a0<\/span><\/p>\n

      C \u2013 Am\u00a0<\/span>ba<\/span>\u00a0<\/span>hyd<\/span>\u00a0y\u00a0<\/span>gellir<\/span>\u00a0<\/span>gohirio<\/span>\u00a0<\/span>taliadau<\/span>?<\/span>
      \n<\/span>A \u2013\u00a0<\/span>Rhwng<\/span>\u00a0un a\u00a0<\/span>thri<\/span>\u00a0mis\u00a0<\/span>ond<\/span>\u00a0<\/span>fe<\/span>\u00a0all\u00a0<\/span>eich<\/span>\u00a0<\/span>darparwr<\/span>\u00a0<\/span>yswiriant<\/span>\u00a0<\/span>gynnig<\/span>\u00a0<\/span>cyfnod<\/span>\u00a0<\/span>hirach<\/span>\u00a0pe\u00a0<\/span>dymunent<\/span>\u00a0<\/span><\/p>\n

      C –\u00a0<\/span>A\u00a0<\/span>fydd<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>rhaid<\/span>\u00a0<\/span>i<\/span>\u00a0mi\u00a0<\/span>dalu<\/span>\u00a0<\/span>ffi<\/span>?<\/span>
      \n<\/span>A – Ni\u00a0<\/span>fyddai’r<\/span>\u00a0Financial Conduct Authority<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>disgwyl<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>gwsmer<\/span>\u00a0<\/span>fod<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>atebol<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>dalu<\/span>\u00a0<\/span>unrhyw<\/span>\u00a0<\/span>d\u00e2l<\/span>\u00a0neu\u00a0<\/span>ffi<\/span>\u00a0<\/span>mewn<\/span>\u00a0<\/span>cysylltiad<\/span>\u00a0\u00e2\u00a0<\/span>rhoi<\/span>\u00a0<\/span>gohiri<\/span>ad<\/span>\u00a0<\/span>taliad<\/span>.<\/span><\/p>\n

       <\/p>\n

      Post a\u00a0dogfennau\u00a0papur\u00a0<\/span><\/h2>\n

      Rydym<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>parhau<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>drin<\/span>\u00a0<\/span>holl<\/span>\u00a0<\/span>b<\/span>ost<\/span>\u00a0(<\/span>sy\u2019n<\/span>\u00a0<\/span>dod<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>mewn<\/span>\u00a0ac\u00a0<\/span>allan<\/span>)<\/span>\u00a0a\u00a0<\/span>dogfennau<\/span>\u00a0<\/span>papur<\/span>,\u00a0<\/span>megis<\/span>\u00a0<\/span>sieciau<\/span>, mor\u00a0<\/span>gyflym<\/span>\u00a0ac\u00a0<\/span>effeith<\/span>l<\/span>on<\/span>\u00a0<\/span>\u00e2<\/span>\u00a0<\/span>phosibl<\/span>\u00a0<\/span>er<\/span>\u00a0<\/span>mwyn<\/span>\u00a0<\/span>sicrhau<\/span>\u00a0<\/span>eu<\/span>\u00a0bod\u00a0<\/span>yn<\/span>\u00a0<\/span>cael<\/span>\u00a0<\/span>eu<\/span>\u00a0<\/span>prosesu<\/span>\u00a0<\/span>mewn<\/span>\u00a0da\u00a0<\/span>b<\/span>ryd<\/span>\u00a0<\/span>i<\/span>\u00a0<\/span>ddiogelu<\/span>\u2019r<\/span>\u00a0<\/span>polisi<\/span>.\u00a0<\/span>\u00a0<\/span>Cysylltwch<\/span>\u00a0<\/span>\u00e2<\/span>\u00a0<\/span>ni<\/span>\u00a0<\/span>ar<\/span>\u00a0<\/span>unwaith<\/span>\u00a0<\/span>o<\/span>s<\/span>\u00a0<\/span>oes<\/span>\u00a0<\/span>gennych<\/span>\u00a0<\/span>unrhyw<\/span>\u00a0<\/span>bryderon<\/span>\u00a0<\/span>ynghylch<\/span>\u00a0<\/span>cyfarwyddiadau<\/span>\u00a0neu\u00a0<\/span>sieciau<\/span>\u00a0<\/span>yr<\/span>\u00a0<\/span>ydych<\/span>\u00a0<\/span>wedi’u<\/span>\u00a0<\/span>hanfon<\/span>\u00a0<\/span>na<\/span>\u00a0<\/span>fydd<\/span>\u00a0<\/span>efallai<\/span>\u00a0<\/span>wedi’u<\/span>\u00a0<\/span>prosesu<\/span>, neu\u00a0<\/span>ddogfennau<\/span>\u00a0<\/span>rydych<\/span>\u00a0<\/span>yn<\/span>\u00a0<\/span>credu<\/span>\u00a0<\/span>y\u00a0<\/span>dylech<\/span>\u00a0<\/span>fod<\/span>\u00a0<\/span>wedi<\/span>\u00a0<\/span>ei<\/span>\u00a0<\/span>derbyn<\/span>\u00a0<\/span>ganddom<\/span>.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      Diweddariadau\u00a0COVID\u00a0 Cleientiaid\u00a0sy\u2019n\u00a0cael\u00a0anawsterau\u00a0ariannol\u00a0 Ar\u00a0Mai 18fed, 2020,\u00a0cyflwynodd\u00a0y Financial Conduct Authority (FCA)\u00a0fesurau\u00a0newydd\u00a0ar\u00a0gyfer\u00a0cwmn\u0457au\u00a0yswiriant\u00a0a\u00a0chyllid\u00a0premiwm\u00a0i\u00a0helpu\u00a0cleientiaid\u00a0sydd\u00a0mewn\u00a0anhawster\u00a0ariannol.\u00a0\u00a0Os\u00a0ydych\u00a0yn\u00a0profi\u00a0caledi\u00a0ariannol, neu\u00a0os\u00a0bydd\u00a0amgylchiadau\u00a0yn\u00a0newid\u00a0yn\u00a0y\u00a0gwaith\u00a0neu\u00a0gartref,\u00a0efallai\u00a0y\u00a0byddwn\u00a0yn\u00a0gallu\u00a0helpu\u00a0drwy:\u00a0 Ail-asesu\u00a0eich\u00a0gofynion\u00a0a\u2019ch\u00a0anghenion\u00a0 Adolygu\u00a0lefelau\u00a0gwarchodaeth\u00a0 Ychwanegu\u00a0neu\u00a0ddileu\u00a0gwarchodaeth\u00a0dewisol\u00a0megis\u00a0treuliau\u00a0cyfreithiol\u00a0 Ychwanegu\u00a0neu\u00a0ddileu\u00a0pobl\u00a0ar\u00a0eich\u00a0polisi\u00a0 Lle\u00a0nad\u00a0yw\u00a0diwygiadau\u00a0i\u2019ch\u00a0cynnwys\u00a0yswiriant\u00a0yn\u00a0lliniaru\u00a0eich\u00a0gallu\u00a0i\u00a0dalu,\u00a0dylech\u00a0gysylltu\u00a0\u00e2\u2019ch\u00a0darparwr\u00a0cyllid\u00a0yn\u00a0uniongyrchol\u00a0oherwydd\u00a0gallai\u00a0fod\u00a0cefnogaeth\u00a0bellach\u00a0ar\u00a0gael,\u00a0a\u00a0allai\u00a0gynnwys:\u00a0 Y\u00a0posibilrwydd\u00a0o\u00a0ohirio\u00a0taliadau\u00a0(cyfeiriwch\u00a0at\u00a0y\u00a0cwestiynau\u00a0cyffredin)\u00a0 Taliadau\u00a0gostyngedig\u00a0neu ail\u00a0drefnu\u2019r\u00a0cyfnod\u00a0taliadau\u00a0 Hepgor\u00a0ffioedd\u00a0talu\u2019n\u00a0hwyr\u00a0neu\u00a0daliadau\u00a0a\u00a0gollwyd\u00a0 Newid\u00a0eich\u00a0dyddiad\u00a0ad-dalu\u00a0heb\u00a0gost\u00a0i\u00a0chi\u00a0\u00a0 Lleihau\u00a0taliadau\u00a0llog\u00a0 Mae\u2019n\u00a0bwysig\u00a0nad\u00a0yw\u00a0cwsmeriaid\u00a0yn\u00a0gadael\u00a0eu\u00a0hunain\u00a0heb\u00a0yswiriant, felly\u00a0rydym\u00a0yn\u00a0eich\u00a0annog\u00a0i\u00a0gysylltu\u00a0\u00e2\u00a0ni\u00a0i\u00a0drafod\u00a0yr\u00a0opsiynau\u00a0sydd\u00a0ar\u00a0gael\u00a0os\u00a0ydych\u00a0yn\u00a0cael\u00a0trafferth\u00a0fforddio\u00a0eich\u00a0taliadau\u00a0yn\u00a0ystod\u00a0yr\u00a0amser\u00a0ansicr\u00a0hwn.\u00a0 Gweler\u00a0ein\u00a0Cwestiynau\u00a0Cyffredin\u00a0ar\u00a0ohirio\u00a0taliadau\u00a0 C \u2013 Sut\u00a0mae\u00a0gwneud\u00a0cais\u00a0am\u00a0ohirio\u00a0taliad? A \u2013\u00a0Dylech\u00a0gysylltu\u00a0\u00e2’ch\u00a0yswiriwr\u00a0neu’ch\u00a0darparwr\u00a0cyllid\u00a0yn\u00a0uniongyrchol\u00a0 C –\u00a0Os\u00a0rhoddir\u00a0gohiriad\u00a0taliad\u00a0imi, a\u00a0nodir\u00a0fy\u00a0mod\u00a0mewn\u00a0\u00f4l-ddyledion\u00a0ar\u00a0fy\u00a0nhaliadau? A – Na, ac\u00a0ni\u00a0chaniateir\u00a0i’r\u00a0darparwr\u00a0nac\u00a0unrhyw\u00a0drydydd\u00a0parti\u00a0fel\u00a0brocer\u00a0neu\u00a0gasglwr\u00a0dyledion\u00a0\u00a0\u00a0ganslo’r\u00a0polisi\u00a0na\u00a0chasglu\u00a0taliad\u00a0yn\u00a0ystod\u00a0y\u00a0cyfnod\u00a0gohirio.\u00a0 C \u2013 Am\u00a0ba\u00a0hyd\u00a0y\u00a0gellir\u00a0gohirio\u00a0taliadau? 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