Many bank customers are faced with a situation where it becomes impossible to fully repay the loan in compliance with all past bank requirements. Most often, borrowers naively believe that the loan can not pay at all. If the client violates the terms of the contract, the bank may apply various sanctions against him.
Even for small delays, a financial institution will start charging fines or interest on the client’s account. You can learn more about them in the contract. Over time, the amount of fines will quickly grow. At this time, the bank will seek to find an agreement with the client. For example, a borrower may be offered to restructure a loan or give it in parts. And yet, what will happen if you do not pay a loan to the bank?
I do not pay credit, what will happen?
When the total term of the debt exceeds 1 month, most banks begin active operations. If the customer uses the product with collateral or guarantor, the bank may confiscate the property or turn to the guarantor and demand repayment of all debts. If a citizen does not repay an unsecured loan, the case may be transferred to bailiffs, as well as collection agencies. In the latter case, it will be especially difficult to negotiate with representatives of the bank. Bailiffs in this case is preferable, since they operate solely within the law.
If the debtor’s case was transferred to the bailiffs, they can file a claim with the bank client. By a court decision, it is possible to arrest all the tangible property of the debtor, as well as administrative responsibility. If you do not pay the loan, the borrower can be fined up to 200 thousand rubles, involved in public works, arrested for up to six months, and also make a decision on imprisonment for up to 2 years.
The specific court decision largely depends on the reasons for which the bank client was unable to repay the loan, as well as the size of the debts.
In the trial there are positive moments for the borrower:
• The total amount of debt will be fixed, it will not be charged fines
• The possibility of filing a counterclaim against the lender and collectors, if they used illegal threats, disseminated confidential information, increased the amount of debt at their discretion
Many believe that you can pay the entire loan overdue. In this case, the bank will not have any claims against the borrower, but a damaged credit history will not allow it to receive loans from banks in the future. In this case, the circumstances in which the borrower did not pay out the funds will not be particularly significant. Restore damaged reputation is always difficult. מבחר עצום של נערות ליווי בתל אביב
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