As a rule, debt at the bank (loan delay) arises when the borrower is no longer able to pay the loan obligations. The overdue debt includes the delay in interest and other payments under the loan agreement. There are several ways to find out the amount of your debt with a credit institution.
Instructions
Step 1
You can find out the exact debt on a loan through a personal visit to the branch of the creditor bank. To do this, you should take all the necessary credit documents and a passport. Further, it is advisable to go to a specific bank to find out the information of interest on the loan. A customer service specialist will surely advise the debtor on all issues and report the exact amount of the debt. This method is the most reliable, since when visiting the bank, you can talk not only with the manager, but also with the manager of this organization in case of controversy.
Step 2
There is an opportunity to find out the loan debt using the telephone support service (hotline). This method includes personal communication with the operator, to whom you can ask specific questions and get a fully qualified answer. The advantage of this method is the simplicity and availability of a call at any time of the day due to the fact that the hotline operates around the clock. It is also undoubtedly beneficial that the fact that the call is provided completely free of charge.
Step 3
You can find out the debt at the bank via the Internet. To do this, you should go to the lender's Internet bank through its official website by entering personal data and find out the necessary information. Thus, you can control your financial transactions using a virtual office from anywhere in the world, which is very convenient.
Step 4
Most banks, in the event of a loan debt, send their debtors an SMS notification, which details the amount of the accrued fine for non-payment and the time after which the debt must be fully repaid. Also, the amount of debt to the bank can be found out through its own ATM through a statement of the state of the personal account. However, it is worth considering that such a service is paid in a number of banks.
