Mostly banks are lenders. But sometimes there are cases when the bank itself becomes a debtor. This may be due to a failed transfer, a deposit that cannot be received. Or because of the commissions illegally withdrawn by the bank. How to collect a debt from your bank?
Instructions
Step 1
It is sometimes possible to collect a debt from a legal entity without going to court. To do this, collect all the documents that can serve as proof of your right to a certain amount of money. And make photocopies of them.
Step 2
Then make a printed or written statement to the manager of the bank about the required payments. Now go to the bank office and give the request along with photocopies to the receptionist. Make sure the application is registered.
Step 3
All papers can be sent by registered mail with notification. It will be required as confirmation of contacting the bank if you have to resort to legal proceedings. On the basis of the application, the bank will be obliged to notify you of its intentions.
Step 4
If the bank recognizes your claims as legitimate, then after an official response, the payment of the money due will follow. If you refuse, show your determination and willingness to seek court assistance. Often the bank changes its mind in favor of its client when it is convinced of the seriousness of his intentions. Then the primary evasion of payment may result in the consent of the bank.
Step 5
A negative answer will serve as the basis for collecting the debt through the court. In this situation, file a statement of claim to collect money. To do this, contact a lawyer. First, he will be able to objectively analyze the situation and assess the effectiveness of protecting your rights. For example, the amount of legal costs may exceed the amount that will be discussed in the statement of claim. It will only be a waste of time, money and nerves.
Step 6
Secondly, it is the lawyer who will help to draw up the claim document competently. This is important for the successful resolution of the case in court. If necessary, you can use the services of a lawyer to represent your interests at court hearings.
