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Wednesday, October 26, 2016

The borrowers explained how to forbid banks to write off the debt from the card

To teach borrowers to deal with the banks, which write off the debt on the loan, salary and pension cards, decided public. For this, they have developed a special Bulletin.

photo: Natalia Muslinkina

As told “MK” in the Russian popular front, in recent years bankers have adopted new cunning trap. First, they are willing to give credit to the person who has opened any account. But at the first delay of the next payment with ease write off the required amount from the payroll or social card of the client. By law, such cancellation or non-acceptance called “without instructions of the account holder”. Moreover, bankers prefer to collect from the borrower the money as quickly as possible. As a result, advocates complain debtors, financiers often devastate the accounts to which transferred child support, child benefits and social payments to the disabled. At the same time on verbal demands to stop debiting clerks usually do not react or respond duty phrase that the customer signed a loan contract. And it was allegedly the item granting the Bank the authority to withdraw funds from all available sources, without prior notice to the customer. In order to facilitate ordinary citizens fighting tyranny Bank, community members created a convenient reminder. It includes excerpts from laws, talking about indisputable write-off of money from the account and lists all rights of the borrower. In addition, the brochure has a typical sample applications and complaints to the Bank, as well as lawsuits. Distribute the handout the authors plan via social media.

Expert opinion

Says the Chairman of the interregional public organization “Credit defender” Mikhail Alekseev: “By law, the Bank must sue the debtor, allowed the delay in the loan. And then with the decision to go to the bailiffs. But it is a long time, plus according to the law “On enforcement proceedings” with the salary and other cards can be written off not more than 50%. So the banks make it easy on yourself, taking all that is. This is a direct violation of the rights of the borrower, and bankers know this. So often enough properly drafted pre-trial claim to solve the problem. Then the Bank will return all that time to write”.


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