The lending market is growing steadily, and with it the volume of debt. It can be current (it is also called the balance of the principal debt) and overdue. Knowing the amount of your debt allows the borrower to feel confident.
It is necessary
- - loan agreement;
- - the Internet;
- - telephone;
- - passport.
Instructions
Step 1
You can find out the current loan debt in several ways. The first of them involves a personal visit to a bank branch. Here you can request a certificate on the amount of loan payments and the balance of the principal debt. You will need to prove your identity, for this you will need a passport. Help should be provided within a few minutes.
Step 2
Another option to find out about the debt is to call the bank by phone. The number must be indicated in the credit phone or on the bank's website. Such information is confidential, so identification of the borrower will be required. A specialist can ask for a code word, as well as passport data. After successful identification, the operator will tell you the amount owed.
Step 3
The most convenient way to always be aware of the balance of your debt is through the Internet bank. This service allows you not only to find out the balance of the principal debt at any time, but also to instantly pay off the resulting delay, if necessary. The Internet Banking option requires an additional connection; in most banks it is free.
Step 4
You can find out overdue debts in several ways: by personal contact at a bank branch, through the BCH or through the FSSP (bailiffs). It is worth doing this if bank after bank refuses to provide you with a loan and you believe that this is due to the presence of debt; in case of loss of documents, to make sure that you do not become a victim of fraudsters and that no one has issued a loan for you.
Step 5
To get your credit history from the BCH, you need to know its code. You can get the data on the website of the Central Bank, or by contacting the credit bureau in person, where your dossier is stored. The credit history will contain all the information on your current and past loans, including the amount of delay.
Step 6
It is worth looking for information on the FSSP website in the case when the debt collection case has already been considered during the court session. There is a special section here that contains information on enforcement proceedings.
Step 7
If you find out about the presence of debt in a bank from which you did not take loans, contact the bank's security service and the prosecutor's office. Such actions qualify as fraud.
