Reviews of "Home Credit. Ways to watch the blacklist of bank debtors in what a negative in the bank home loan
The concept of the borrower / debtor on a loan / credit is introduced in Article 807 of the Civil Code of the Russian Federation "Loan Treaty". The borrower is defined as a party under a loan / loan agreement that takes money and must be returned.
Types of debtors banks on loans
Bank debtors can be classified as follows:
- according to the loan currency - ruble and currency borrowers;
- by the type of loan - mortgage, car loan, consumer;
- according to the degree of delay - from the standard serving loans on time and in full, to hopeless, in terms of returning made loans;
- by age, region, professional affiliation.
How many debtors on credits every bank and banking system of Russia as a whole are the information that is difficult to name open and affordable. According to expert estimates, the problematic debt on individuals in early 2015 increased by 52%. In particular, the Bank of Russia notes that the number of borrowers for an outstanding mortgage for January of the current year amounted to about 25 thousand.
Rights of debtors on loans
The standard rights can be attributed to:
- the right to information about the full (effective) loan rate;
- the right to select a loan repayment method - annuity or differentiated payments;
- the right of early partial or full repayment without commissions and penalties - is provided by the majority of banks;
- a number of financial institutions, such as the bank *, makes it possible to choose a convenient monthly payment date (package service);
- the right to receive a certificate about the absence of debt after the full repayment of the loan.
From July 1 of this year, Russian borrowers - bank debtors - received a number of significant additional rights. The Federal Law No. 476-FZ dated December 29, 2014 introduces the procedure for bankruptcy of an individual in Russia.
Now the client can be recognized as insolvent and obtain legal protection against the lender if he appeals to the court of general jurisdiction in the presence of such conditions:
- The total amount of debt exceeds 500 thousand rubles.
- The period of delay in payments is three or more than a month.
The court of debtors on loans in this case may be the usual district or city at the place of residence.
It should be noted that the borrower can be sued with less than 0.5 million rubles. Duty, if there are weighty arguments that it cannot serve such debt. The obligatory participant in bankruptcy cases, in addition to lenders and debtors, the financial manager for a loan transaction approved by the arbitration court.
Bases of debtors on loans
Official databases related to bank borrowers are presented on the website of the Federal Bailiff Service 
(FSPP) in the "Information Systems" section.
The following areas of search for executive proceedings are available:
- Data Bank (public segment).
The first base allows you to find information about the physical face by introducing a region of residence, full name and the date of his birth. You can search by the number of the executive case. The registry works on the basis of the region, the names of the debtor on loans, his name and patronymic. An extended search feature is possible.
From non-state bases of debtors, you can note the information resource "Credit and debt network".
Search service has the following sections:
- common base;
- list of debtors on the loan - advent of individuals;
- information on legalities;
- debtors for alimony;
- debtors from the register of FSPP and those for which there is a court decision.
The site of debtors on loans
The above informaries are designed primarily for lenders. Their goal is to search for problem borrowers. The debtor site solves the opposite task. This is a web resource designed to assist the borrower that has fallen into a difficult situation.
What can learn visitor:
- thematic news;
- reflection of the topics of debtors in social networks;
- countertility tips;
- profile legislation;
- tax Debt Checking Service;
- how to create a credit history and work with it.
Separate sections are the registers of debtors and tips, useful when servicing credit debt.
The role of NBKI
The largest Russian bureau is the NBKI. The National Bureau of Credit Stories owns the largest base in the country. It is with this bureau that the credit and financial institutions of the Russian Federation at all stages of working with the borrower - from his appeal for a loan, until a complete repayment of debt or the emergence of the problem situation. Your consent to the transfer of data in the BKA is the indispensable condition for issuing a loan. What can offer Nbki Borrower-Physicians:
- information about what credit history is and for which it is needed;
- the ability to check and challenge your story;
- credit history code;
- required references.
- If you have any problems with the service of debt - try to find a common language with bank credit specialists. Frankly outlines your situation and ask the Council.
- Offer a reasonable debt restructuring mechanism, credit holidays (delaying payments for the "body" of a loan) or a currency replacement (for a currency loan).
- Specify the full debt to the bank for a specific date - the amount of the main debt, interest on current and overdue, commissions, fines and penalties.
- Pay at least some amounts to repay a loan.
- Be prepared for the fact that the lender comes to court. Weigh your chances in the situation with a lawyer.
- Finger the Bank if the parameters of your debt fall under the bankruptcy procedure. Get legal advice, incl. And in court at the place of your registration - district or urban.
It is worth noting, and it is necessary to know that the problems of the bank home loan began for a long time, since 2013 and not in 2014, or in 2015, and even in 2017 they were not solved. As for rumors that the bank will soon close, also go on the Internet and outside it, also not on scratch.
In addition, the regulator in the face of the Central Bank of Russia is very carefully monitored by the situation in the bank and has once taken certain measures to the bank. And this means that there are problems in the bank and they are confirmed.
The same leadership of the Bank officially declares that it is going to reduce offices throughout Russia, so at least somehow stabilize the situation that has arisen during the crisis. But will it lead to success? Shows time.
What to do depositors and customers of the bank home loan?
Of course, to watch and wait when the bank will correct its current situation and will be released in the profit waiting for customers of the bank exactly not worth it. For what reasons - we have already told you in the article:
It was in this article that we made detailed conclusions about why the bank in 2018 cooperate is unsafe for the wallet.
Naturally, the difference between the contributor and the client, which took a loan in this bank markedly different. The usual depositor to leave the bank is much easier, especially since banks around even enough. When the face that took a loan in a bank to leave so immediately practically does not seem possible. However, if you have such an opportunity, then do it immediately.
One of the main reasons that encourage customers and depositors to leave the bank is the low financial indicators - the Bank has no net profit - it is unprofitable, there are overdue debts in the loan portfolio of more than 25 million rubles from a total loan portfolio in the amount of 184 million rubles for December 2015, home loan leads a risk credit policy and offers customers deposits at high interest rates, which is the risk to get under the response to the license.
In addition, the Central Bank of the Russian Federation also applies countermeasures that directlyit suggests that the bank repeatedly violates the rules and regulator regulations.
Closing the Bank or Sanation?
It cannot be said right and answer exactly what will happen to the bank ultimately and all because the situation with the bank can go to any of the parties, both in positive and negative. However, we still do not recommend working together with the bank home loan.
What is the visible positive at Home Credit?
All hope for the Bank's leadership for the fact that optimization on closing offices will benefit and will be able to attract new customers to the bank to deposits and loans. And this, during the crisis, it is not so simple. Do you want to hope that this will benefit the bank and the bank will keep afloat on your own? We believe that it is not worth hoping for 100%.
What is the negative in the bank home loan?
New customers in the bank may not come against the backdrop of the crisis, which will really shake the situation in the bank and will negatively affect the financial indicators in general.
The Central Bank of the Russian Federation can once and rigidly punish the bank, namely, to issue a prescription, as was done by the Bank of Svyaznoy, the connection with the fact that the high risky increase in the loan portfolio and the deposit portfolio was revealed than, in fact, and the bank home loan is currently engaged in That is, it issues deposits under a high percentage and gives money depositors under loans.And if the share in the bank on overdue loans, that is, problematic and irrevocable will grow, then everything, the license from the bank will call for sure.
Also here to the negative adds the current unstable state of the bank. Although we take into account that the Bank's capital meets the requirements of the regulator, but the general financial indicators are not shining with positive dynamics.
General conclusion on the jar of home loan
Current activities Home Credit End Finance Bank is estimated as unsatisfactory.
To say that I am unhappy with the work of this shameful bank, very gently still. I will not write about mad interest, conditions, etc., all this we read and subscribe naturally. I have another widespread theme of Lochotron - the imposition of insurance. Because Cash loan took 1 time, it came to this fishing rod, saying that insurance (120,000) is just a formality for obtaining a loan and I can return it at any time by writing a statement in any office of the bank, because in the insurance policy information only On the occurrence of the insured event. I once again clarified the return of insurance, the "specialist" of the bank if you can call them so, it assured that after the first payments I will write a statement and I will recalculate. When I arrived at the bank after the first payment, and asked the application form, I was answered that unfortunately they ended, and so 2 months, but it didn't give any values. When it came to repay the loan ahead of schedule, said that I needed to recalculate insurance and repay the remaining amount, for which I was answered that the conditions in the bank were changed, and the return of insurance only at the discretion of the insurance company, calling into insurance, and there they explain what it is It is done during the first 14 days in case of early repayment, in other cases the insurance has never returned to anyone, and the Bank is misleading. Well, my patience burst, came to the office expressed everything about them I think about what I was continued to assure that insurance always returns at any time and that I just got on what an intern who knows nothing. I am this .... said so that she herself called and found out why they suddenly refuse if they were cooperating with the insurance company for a long time and they were for the first time. By calling it was not an employee of the bank and me! Naturally, she was told exactly what and me, what this cow just spread his hands and said Sorry there was some kind of mistake, so you go to court to insurance !!!))) I'm in Shock is simple, the bank says some conditions, and the insurance is exactly the opposite! I sent them and said that their loan will be paid only by the court decision, now for two days they call the stupid people from the recovery department and monotonously talk to the learned text, I still have a conversation short, only through the court, so They are now terrorizing my relatives. Mom, of course, I do not miss my mother, but I'm just amazed by their arrogance. People never take credit and positive reviews here. You know where you are coming from. It is still amazing our Rospotrebnadzor, which direct text says that it is better not to contact banks, although deception on the face. Therefore, take loans there and throw this disgrace lossbank, and send them a deposit department as a forest !!!
Guest ยท 05.11.2012, 10:42
Think you need to do! The contract indicates the amount of insurance, do not like - cancel not even signing. Nobody to sign you forcibly to sign, and if the head is only working with the swing, then no one except you is to blame. And where does such an insurance? 120000? Did you take a couple of millions? Rave.
The reverse side of the rapid money obtained in the form of a loan in banks is manifested when the borrower cannot or does not want to pay for his debt. One of the sanctions is the debtor's enhancing in the blacklist. Direct access to the list of malicious defaulters does not exist, but there are methods that allow you to obtain information about finding a person in the so-called distrust zone.
What it is?
The blacklist is called differently, in the banking sphere it is not called anything else as "stop-leaf". Each Bank leads an electronic database of customers, where all the information is stored, which is an individual dossier with all data on existing and previously issued loans, payments and delay.
It contains a separate group where debtors and non-payers are entered, then special requirements are presented to these person.
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- First, the bank security service or a specialized collector agency starts working with borrowers from the black lists.
- Secondly, to get a loan in this organization will be quite difficult.
- Thirdly, the debtor receives restrictions on the road abroad, if his case is transferred to the bailiff service. Fourth, according to the decision of the court, the arrest on the property of the defaulter is imposed.
The Bank's client, which is in the blacklist, always has the opportunity to get out of it. It all depends on its concrete actions. With a quick settlement, it is removed from the bank's stop-sheet.
The main problem is that, according to Article 23 of paragraph 4 of the Federal Law "On Credit Stories", the credit institution is obliged to provide all information about the borrower at the Bureau of Credit Stories. Information is stored in it for 15 years.
Almost all banks in the design of loans are referred to a credit bureau to determine the conscientiousness of a potential client, and therefore, if earlier you had problems with debt payments, any bank may refuse you in the service.
It is the bureau of credit stories that is considered the first instance where you can watch a black list of bank debtors, requesting an extract in the prescribed form.
Who falls into it?
In the database of malicious defaulters, persons with overdue debt on loans are introduced. Usually the list is formed from those whose credit history is definitely damaged due to regular overdue and large debts.
Citizens who were late for payments several times and a few days, receive only warnings from the bank.
Crushing payments for several months, you can be sure that you are in this list. Soon these defaulars are waiting for judicial claims and decisions of the executive service.
Even if after the delay you repaired the main debt, interest paid fines, there is a high probability that the bank will still bring or leave you in the black list.
Where to find?
Before answering the question, how to watch a black list of bank debtors, we divide the possibilities of obtaining information into several unofficial groups, depending on the credit history of the consumer, namely:
- stop lists in banks where the borrower performed a delay in payments;
- lists of collector agencies;
- lists of bailiffs;
- data in the Bureau of credit stories.
The blacklist of the commercial bank is a private information, and it is impossible to get it in free access. It is only at the disposal of credit managers of the organization and is used to assess the conscientiousness of the potential client of the bank.
The bank's stop-leaf is an unofficial document and is not subject to network.
To get information, you need to contact the bank where you took a loan. Request official data on loans taken in this organization. To request, you must have a loan agreement and an identity document.
Nevertheless, the lack of debts does not guarantee that you are not listed in the stop list, and therefore, the subsequent decisions on the issuance of a loan in this organization will be considered individually.
Collective agencies receive information about debtors directly from the credit institution. From the moment of the bank's appeal to the debt recovery service, all rights to the demand of debt are moving towards collectors. They are engaged in keeping the database, where the names of malicious defaulters on credit obligations are reflected.
Bureau of credit stories - a specialized organization providing services for the formation, processing and storage of credit stories.
According to Russian legislation, any borrower can make a free request once a year and an unlimited number of requests for a fee.
For information from the Database of the Bureau of Credit Stories (BKI), it is necessary:
- To create a request to the TsKKI in order to obtain data on which BKI your credit history is stored. This can be done through any bank, for example, VTB24.
- To create a request to the BKA in order to get a credit report. The procedure for appeal to the BKI is established by the rules of the organization and Russian legislation.
On the site of bars
One of the more popular ways to get information about finding the Bank's blacklist is to appeal to the bailiff service.
On the official website of the federal attachment service there is a base of debtors. It reflects information about whether a person is in the database of debtors.
To access it, you need to fill the installed form. It should be introduced the territorial body, full name and date of birth. In addition, there is an opportunity to submit a request as an individual entrepreneur and a legal entity.
Access to the database of bailiffs was recently discovered after the adoption of the Federal Law of the Federal Law "On Enforcement Proceedings".
The existence of such a base simplified the work of credit institutions, as they reflect the debtors not only on loans, but also on non-payment of taxes, alimony and other debts. The service allows you to easily determine the reliability of the borrower.
If not reached court
Collector agencies intimidate debtors by the court, but in reality they are submitted to the court they are not soon and only in cases where the debtor fully ignores them and refuses to return money.
If the debt is repaid at least small parts, the collectors will not give a course of the case, since in this situation the debt is growing, and a similar situation is beneficial and bank and collectors.
The court is not an exit for the debtor, but the court decision will stop the growth of interest of the bank, and the amount of debt will not increase.
It is worth noting that if the court decision was not issued, the borrower can only find out his own debts. And after the decision was made, everyone can familiarize themselves with his debts.
What if you are listed?
Usually people learning that they are in the blacklist of banks, do not take absolutely no action.
Hike to the bank and discussion with the manager do not give any results, and therefore, to return the confidence of banks, it is necessary to radically change your financial and payment policy.
- Pay all debts, interest and fines in front of the credit institution.
- Open the deposit account in the bank, which brings you to the blacklist. Its regular replenishment, accounting operations, payment of utility and other services will change the submission of the bank about your personality. Being responsible, you can return creditworthiness.
- If there is an opportunity and your employer lists the salary through the bank who brought you into the blacklist, try to open the current account in it to enumerate wages on it. Regular receipt of funds for the current account will increase confidence and soon you will increase the chance to exit the blacklist of the bank.
Thus, in order not to have problems with the bank and judicial bailiffs, think about how to take a loan, can you make a monthly payment, and whether the funds are enough for you to exist after paying the monthly debt. Find yourself in the list of unfair defaulters is much easier than maintaining your credit history at the trust level.
Applications and calls are accepted around the clock and seven days a week..
Commercial banks of Russia (Russian Standard, Home Credit Bank, etc.) are focused mainly to provide services to individuals, often considering them as priority customers. Financial institutions always require a strict fulfillment by the client made obligations. With the appearance of overdue and long non-payment, they transmit information to the credit history bureaus. You can find out the data in several ways completely free.
Black list of bank debtors: how to see ourselves?
To check if your surname is in the black list of defaulters, there is not one way:
- in BKI (to find out in which bureau is the necessary document, it is necessary to make a request to the Central Committee - the central catalog of credit stories);
- in most cases, it is possible to find out its status on the website of the bank or contacting the department;
- view information on the FSSP website in the Unified Register of debtors;
- to use the public portal electronic government of the State Service, where you can find out the status of traffic police fines, the state of the personal account in the PF of the Russian Federation.
Pretty hard. Meal to malicious defaulters are a few financial institutions that develop special programs for such clients (for example, Tinkoff, Renaissance Credit, Citibank), but the interest rate will be elevated.
Russian Standard Bank - debtors on loans
When signing the contract, it should be particularly carefully examined by the statement of payments. At the initial stage, the institution simply notifies the client about the payment of payment (postal notifications, calls). After about 2 weeks, the case is transmitted to the bank's recovery department, and the data is fixed in the BKA. In aggravation of the situation, the financial institution can sell the debt to a collector firm or to file a lawsuit.
To see your payments on the loan of the Russian Standard (Home Credit Bank, etc.), you can use the unified database of non-payment on the FSSP website. Trust paid services with allegedly hacked lists of debtors should not, as a rule, they create fraudsters. You can also contact the BKA with which the financial institution cooperates. To clarify where the client data is stored, you need to make a request from the Bank of Russia's website to appeal to the Central Catalog of Credit Stories). You can also send a letter, including by email - to the address [Email Protected] The financial institution client may receive information not only about the status of its loan payments, but also on financial institutions that transferred data to the Bureau, II, legal entities that have access to payments on payments. In addition, it can partially or completely challenge this information, submitting a special application in the BKA.
Debtors on loans alpha bank
If, due to circumstances, the client cannot pay a loan, should not exacerbate the situation by ignoring the bank notices. In the event of problem situations, you need to contact the separation of a postponement or restructured your duty, receiving a new payment schedule with a higher interest rate (about 35%, but in other organizations, for example, the Russian standard, Home Credit Conditions Conditions Other). Despite the last nuance, there is a chance to legally and secure debt, improve your credit history and remove your surname from the black list of non-payment of the bank.
With the appearance of overdue payments, the Bank sends a notice to the client about the need for payment, over time it can sell the debt to a collector firm or on special conditions to offer a new loan to repay the debt in another institution. To clarify the data on their payments on the loan of Alpha Bank of Russia, you can make a request to the Ekvifax Credit Services Credit in writing or through any separation of a financial organization. So the organization reduces financial risks for itself and minimizes non-repayments of debts. The BKA report will contain personal data (surname, series and passport number, telephone) client, deadlines and amounts of loans, delay, list of creditors' organizations. Service paid - 1000 rubles.
Sberbank - debtors on loans
To find out if the surname of the client of this bank is in a single base of the federal bailiff service (FSSP), you can make a special application on its website in the section "Bank Executive Production" or use BKA services. It is also possible at any time to clarify the necessary data online through the Sberbank online Internet service. How much do you need to wait for the result? Just a couple of minutes. You need to go to the service using the username and password, choose the other category - credit history and create a request. The report will appear automatically.
View information about other bank debtors An ordinary client cannot, only some managers have access to the issuance of a loan. Also, the financial institution has developed profitable mortgage programs. One of them can be, but for this it is necessary for maternal capital. In all other cases, it is necessary to prepare the amount in the form of 20% of the cost of potential housing (Russian Standard, Home Credit Bank impose its conditions).
Debtors home loan bank
For late payments, Home Credit Bank charges fines from the first period of delay, and if the situation is exacerbated - requires early repayment of debt. All these actions are recorded in the credit history of the client. In order not to get into the black list of bank defaulters, in the event of difficulties it is worth using some of his proposals in their favor:
- preventing the impossibility of making the desired amount 2 weeks before the date of payment;
- 1 time can be transferred to the date of payment, taking into account interest for those days that will be missed to the date chosen by the client;
- develop bankruptcy (if there are some conditions) and contact the arbitration court at the place of residence.
To clarify the status of your payments in Home Credit Bank, you need to make a request to the BKA. If the client does not know which information is stored in the desired information, it is necessary to clarify this by submitting an application to the Central Catalog of the Credit Stories of Russia (this will require the code of the subject of the payment history, it comes up with a client himself). Also 1 time per year, you can get data for free.
Council: Data on loan payments are stored in the BKA base for 10 years from the date of the last change.
Black list of debtors: what are the consequences
If a person is included in a single base of FSSP, it often arises difficulties with departure abroad. The temporary ban was first introduced into practice in 2005. But the very presence of debt on the loan does not yet indicate that such a restriction is already valid. In order not to be in an unpleasant situation before planning a foreign holiday or a business trip, it is worth clarifying the status of their debts on the FSSP website. In most cases, a person will not be able to leave the country if enforcement proceedings are instituted against him. In particular, when:
- the debtor did not fulfill the requirements in the executive document issued on the basis of a judicial act within the prescribed period;
- a declare statement was issued in the case provided for by Part 2 of Art. 30 FZ (if the executive document is an act or issued on its basis);
- the application is submitted to the court on behalf of a recoverer or judicial contractor on temporary limitation for a non-payer of travel abroad.
If a decision was made against the debtor, a decision was made to limit his departure abroad, then after making such a decision, copies of documents were sent to the address specified in the court decision. With credit debts less than 5 thousand rubles, such a measure of exposure is usually not applied.
To remove your name from the Black List of the Russian Standard, Home Credit Bank or others, first of all, you need to pay debt and make a receipt for payment to the court. For 24 hours, he must make a decision to cancel the restriction on traveling abroad. How much time do you need to remove the prohibition in reality? In practice, this process can stretch for the period from a week to 30 days.
How to make a credit rating request?
If the debtor has enforcement proceedings, then the data on it is entered into the data bank of the executive proceedings. You can view information by using a special form where personal data are entered. Simplicity and convenience of the service allow you to find out the credit rating at any time as a client and a financial organization, which he will take a loan (to check his trustiness). You can make a request in several ways:
- You can find out your status by contacting the Bank or online on the Financial Organization website. As a rule, the service is paid (standing in the region of 300-500 r.)
- Take advantage of the BKA service (1 time per year. Check is free, repeated requests are paid). On the site of the Central BKA website we find a link to the online query, enter the personal data: the name and surname, the series and the passport number, the mobile number, the email address, the special code of the credit history entity. It is indicated in the contract, you can also find out it by making a request to the BKA base.
Council: Get the necessary information about the loan can not even visit the BKA. If you wish, you can send a notarized post statement. Its form should be clarified in a specific bureau.
If the client does not want to introduce his data on the network, you can see the report for free, sending the telegram of Russian Post to Russia (the operator must assure it) at the following address: 107016, Moscow, ul. Neglinnaya, house 12, Tskki. In the form, except for its data, you must specify the email address. The selected report will contain information about customer personal data, its loans, their status.
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Making a bank loan, you need to remember that any life situations will not serve as an excuse for overdue. No matter how much the client should, the financial institution will always require the fulfillment of obligations taken. If you repay a loan on time, the client will be able to preserve its reputation, improve credit history and prevent the emergence of unnecessary costs, even if it is entered into a single base of bailiffs.
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