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How to find out the loan debt to an individual: ways to find out immediately

The execution of a loan agreement entails obligations for the timely payment of debt to a financial institution. When signing the agreement, the borrower is informed about the procedure for repaying the credit line, the amount, the date of payment, and methods of depositing funds. In the future, the client is obliged to independently control the loan debt and ensure that the required amount is credited to the bank account within the prescribed period.

Sometimes there are failures with payments, other circumstances that contribute to the accumulation of overdue debt. As a result, the financial structure charges fines, and a negative record of payment problems appears in the client CI. To avoid trouble will allow information about how to inform about debt and the amounts that need to be repaid.

Reasons for arrears

Reasons for arrears

Not always credit debt indicates negligence or insolvency rights. In fact, the causes of the delay set. It is necessary to figure out why arrears arise at all in order to adjust the repayment mechanism and successfully liquidate the debt to the bank without any negative consequences.

Persons who do not have sufficient knowledge in the financial sphere often confuse loan arrears and arrears. The fact is that every client who has received a loan in a bank has a usual debt, because under this term there is information about the total amount of money that the client must return within the time period specified in the contract.

Overdue debts appear when a monthly payment is credited to a bank account on time, in connection with which the lender applies penalties and takes active steps to collect.

There are a lot of reasons for non-payments, both objective and subjective, but most often the formation of credit debt is connected with:

  • with the refusal to return the amount borrowed from the bank for personal reasons;
  • overestimation of their financial capabilities when the amount of the monthly payment becomes an unbearable burden;
  • unforeseen circumstances in which material wealth declined, and the client was unable to pay debts;
  • irresponsibility of the payer;
  • technical failures, objective circumstances that caused a delay in crediting the amount by the due date;
  • force majeure;
  • the actions of fraudsters who have issued credit obligations on the personal data of a citizen.

The consequences of the above situations are:

  • the appearance of additional financial liabilities;
  • the growth of total debt to creditors with the reflection of negative information in the client’s file in the CII;
  • endless phone calls and SMS from the bank;
  • attraction of collectors with the subsequent concern of the debtor and his entourage;
  • assignment of claims to collectors or other interested organizations;
  • litigation;
  • ban on traveling abroad;
  • compulsory debiting of debit accounts through bailiffs;
  • restriction in the right to dispose of the property, its sale to further repay the debt.

The consequences of delayed education are very serious and can significantly worsen the situation of the borrower. To exclude the creation of such situations, it is necessary to find out how to find out the debt on loans in banks, even if a person has never used the services of a lender or simply did not know about the formation of debt.

How to find out about the loan debt

How to find out about the loan debt

 

Due to the seriousness of the consequences of the formation of debt, any responsible person must monitor the movements of his accounts, cards, and also control the occurrence and repayment of credit obligations assumed.

According to the provisions of Law No. 353, which regulates the processing and servicing of a consumer loan, any citizen of the Russian Federation has the right to ask the bank to submit a statement of the credit account status free of charge at intervals not more than once a month. The monthly bank statement contains information on amounts, terms of payments, date and time of write-off, amount remaining to maturity, accrued interest, etc.

With timely servicing of debt, the bank does not bother its borrower, becoming more active only if at the time specified in the contract the amount is not credited to the account. In the future, the bank takes active measures to ensure that the client repays loans, notifying them of the possible consequences.

There are several ways to find out if there is a loan debt:

  • personal contact with a bank employee when visiting a branch;
  • interaction with customer support through a call to the call center;
  • connection of SMS notifications or use of USSD commands (when functioning in a bank);
  • through online and mobile applications of the financial structure;
  • inquiry about the status of the credit account through the bank self-service device (terminal);
  • request to the CII;
  • information from the bailiff if the situation has reached a enforced penalty by court order.

Any of these methods is available to the borrower and can be used at the discretion of the client. You should know the nuances of the procedure for obtaining information by each of the above methods in order to choose the most appropriate and convenient way to monitor the status of credit accounts.

BCI

Many banks, deciding on the reliability of a potential client, look at information from the credit bureaus, and as the loan is repaid they enter information about the payment behavior of a particular borrower. Entries in the CII differ in the full information on the entire payer history within the last decade, but they do not allow us to fairly assess the current state of debt obligations.

The advantage of requesting a CII is the possibility of obtaining complete information on the amount of credit debt, if there are several of them and they are drawn up in different financial structures.

The history of the BCH is requested if it is not completely certain that all loans have been repaid and there are no complaints left. Such assistance is especially valuable if there is a suspicion that the scammers issued a loan using the personal information and documents of the person.

The specificity of the CI statement is the ability to obtain consolidated information from several banks at once, when there is no clear idea of ​​which bank has financial claims.

In Russia, there are several CRBs that collect and store customer data. Each bank determines with which of the bureaus it interacts – it sends and requests information.

The most well-known KBIs include: the State Register of KBIs and NBKI (National Bureau).

The activity of all the CII is similar, and the receipt of information from the database is carried out in a uniform manner:

  1. The application form is filled out with personal information.
  2. Preparation of a report based on the data provided.
  3. When submitting an application online, the system may request to upload a scanned copy of a civil passport.

If you decide to send a request through one of the banks, you should clarify in advance the terms of service, as some financial institutions refused to provide free customer service, offering to pay for work within 500-1000 rubles.

If you urgently need accurate information about the amount of accumulated debt, this option of informing is not suitable, because the records appear in the CII after processing the data received through the banks, after some time.

There are other options for obtaining the necessary information, if there is an understanding in which of the financial institutions should check the information.

Visit to a bank branch

The easiest, reliable and accurate way to find out the debt in a bank is to contact the creditor directly by:

  • personal visit;
  • via a call to the hotline;
  • in terminals and ATMs of the organization.

The traditional option requires more time and opportunity to appear in the bank with a passport during the working hours of admission. It is enough to come to the nearest branch, present a passport (credit card – if available) and report your request to any specialist.

The information that is available in the base of the institution does not always reflect the current state of the account; some organizations write off the debt to the debtor after some time, therefore, on the day of the application, they only have data at the beginning of the working day. This should be taken into account if the client first entered information through the terminal, and then addressed the bank officer with a request, but not everywhere and at every step.

If it is not possible to personally visit the branch, you can contact the bank by calling the hotline or get the data by printing out an extract from an ATM.

Telephone communication has recently been actively replaced by working with the voice menu or following the instructions of the answering machine robots. You can find out by phone your credit debts through the increasingly popular Viber, WhatsApp mobile services or through short commands of the USSD service.

Federal Bailiff Service

Data on the debts of citizens with debts on loans are accumulated on the official Internet resource of the Federal Bailiff Service. An excellent alternative to live communication with the bailiff will be to receive information online. It should be remembered that the enforcement proceedings of the FSSP and the appearance of records in the database of bailiffs is based on the received court decision after the creditor applied to the court for enforced collection. In addition to the principal debt, the bailiff will recover legal fees, fines, penalties, bank penalties.

The procedure for obtaining information through the FSSP website is as follows:

  1. Go to the site fssprus.ru
  2. Go to the link “Learn Debts”.
  3. A window will open with fields to fill out the request (fully F. I. O., region of permanent registration, birth information).
  4. After processing the request, a list with data on the presence of cases in execution will appear.

Through your online banking account

 

Most banks have successfully implemented online services that allow existing customers to monitor and manage finances. In order to get access to the Internet bank, it is necessary to register in advance.

You can get information about debts and upcoming loan repayments only with prior registration (you will need to visit the bank’s office and apply for access).

This method of informing is the simplest and most complete, and the amounts in the accounts are reflected in real time.

The procedure is as follows:

  1. Authorization in the system (the client enters his login, password, confirms the action to enter the system through a one-time additional password).
  2. In the menu that opens, go to the section with loans.
  3. If there are several credits, the information is recorded separately for each of them.
  4. As a rule, the page reflects the amount of credit debt, the upcoming payment, the date of making the next installment.

If it is not possible to use a computer for logging into the system, you can download the mobile application, then go through the same registration and authorization procedure.

Can I find out about other people’s credit debts

Can I find out about other people

 

When interacting with the bank and other structures that own information about debts on loans, it is necessary to remember that all information provided is confidential and an outsider, even the legal spouse, is not entitled to receive information about the debt, otherwise it will be criminalized under Art. 183 of the Criminal Code.

Only in the event of the death or serious illness of a debtor, information can be passed on to a relative, heir, or official representative.

There is another, no less unpleasant situation when intruders took advantage of a citizen’s passport and made a loan. In this case, it will not be difficult to obtain information about the presence of the debt if you can verify your identity, however, there will be a problem to settle the issues of repayment of another’s debt drawn up on the passport data of another person. A way out of this situation will be to appeal to the banking structure with a request to clarify the situation and submitting an application of the fact of fraud to law enforcement agencies.

When you need to check the financial situation of another person, there are other ways of obtaining information that do not violate applicable laws. Information about debts is obtained using the online sources of the FSSP website (information about a citizen of interest is required) or through an ATM, having previously received a card of another person and knowing his PIN code. The last option is possible only on condition that the cardholder himself transfers the data and plastic to clarify information with his personal consent.

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