Lending is an area of the economy that any citizen has touched at least once. However, the loan settlement does not always go smoothly and without delays. In this case, the borrower falls into the so-called "debt hole" formed by late payment and accrued fines. Getting out of this situation can be quite difficult. But it is quite possible to solve the problem with banks.
It is necessary
- Credit agreement
- Telephone
- Bank contacts
- Receipts for completed payments
Instructions
Step 1
Contact the representative of the credit institution. First, it is worth contacting a bank employee with your problem. Explain without emotions and tears the reason for the inability to pay the loan. It must be remembered that a bank employee is unlikely to be interested in your problems and worries - the process of loan repayment is important for him. The reason for the inability to pay debts can be the loss of a job, and the loss of a breadwinner and additional unforeseen expenses. Based on the conversation, the bank will probably offer to arrange a loan restructuring. Restructuring or refinancing is a change in the initial parameters of a loan with a decrease in the monthly payment, an increase in the loan term or with a deferral of the next payment up to two months. You should not be afraid of restructuring, even if the loan will cost more, because you can always pay off the debt to the bank ahead of schedule.
Step 2
Find out the amount of debt to date. If the fines are nevertheless accrued, and the bank has a reason for that, then you should immediately ask the bank employee about the amount of debt to date. Then "close" the loan ahead of schedule or partially with the payment of fines. On the day when the debt is repaid, it is necessary to contact the bank again to obtain an appropriate receipt (statement) that the debt has been repaid in full or in part. This document will be useful if the bank continues to “burden” the borrower with fines again.
Step 3
Go to court; if the fines were charged unreasonably, you should go to court. But in this case, the borrower must have a document confirming the appropriate timely payment (check) and a document on the credited payment (it can be taken from the bank).
Step 4
Turn to professionals. Another way to solve problems with banks is to contact the borrower in specialized agencies, which will take on all the "red tape" to collect documentation and defend the interests of the borrower in a dispute with the bank.
