Nowadays, more and more people are getting used to buying something on credit. The most common reason is, of course, a lack of funds. Sometimes you need to make a rather large purchase for which it is simply impossible to raise money. A loan is a way out of this situation. It's hard to get a large amount of money right away - it's easier to pay a little every month, albeit with an overpayment in general.
Instructions
Step 1
Sometimes an installment plan can be issued for a rather long period. The maturity of the loan is always strictly agreed, and late payment may result in a penalty or fine. Moreover, there are situations when it is not the payer himself who is to blame, but, for example, equipment that is frozen or out of order, or the light has gone out somewhere.
Step 2
The easiest way to repay a loan is at a bank branch, where the cashier can immediately see your balance. It is advisable to be interested in the remainder and check each time.
Step 3
It is a little more difficult if the payment goes through any terminals. The person made the necessary payment, but there is no 100% certainty that the funds will arrive on time and to the destination.
Step 4
Call the appropriate bank or branch after each payment. The telephone number for such inquiries is always indicated in the loan agreement. The main thing is that when making a call, the contract is in front of your eyes, since you may need some data to get an answer.
Step 5
And, of course, having repaid the loan in full, be sure to make sure by telephone that you do not owe the bank anything. Remember that in banks, conversations with the client are recorded, so enter the date and time of the call, as well as the name of the operator with whom you spoke in your own notebook, in case of disagreement (and this happens even after a couple of years) you can use the telephone record conversation as evidence.
Step 6
Write to the bank a letter in which you ask to send you a notification that you have fully paid. In any case, in the agreement, the bank indicates the contact details, by which you can always contact and find out the necessary information.
