No one is insured against problems with the payment of a previously taken loan. But debt obligations do not disappear at the same time. At the same time, attempts to somehow resolve the difficult situation must be made, and no matter how stubbornly the bank demanded to fulfill its obligations in full, this does not mean that your situation is hopeless.
It is necessary
- - telephone;
- - documents confirming the difficulty of your situation and their copies;
- - postal envelope (not in all cases).
Instructions
Step 1
Find out if the reasons for your financial problems are an insured event, if the loan was insured by you in case of non-repayment. The standard set of insured events includes only the death of the borrower and his disability registration. But it can be broader, for example, being in the status of unemployed for a long time, say, more than a month.
Step 2
Contact the call center of your bank and report the occurrence of an insured event, if your situation relates to such. Then proceed according to the instructions received from the employee of the call center. Most likely, you will need to collect copies of documents confirming your circumstances (a copy of the work book, documents confirming registration from the employment center, sick leaves, medical reports, etc. - depending on the specific case). Then they will need to be transferred to the bank and insurance company.
Step 3
Call the bank and ask to connect you with the specialists of the credit department, explain to them your situation and tell them that you would like to discuss possible options for resolving it. If the bank will meet you halfway, follow the instructions received during the conversation with the employee of the credit department.
Step 4
Observe additional agreements with the bank regarding loan vacations or debt restructuring. Refer to your agreements with the bank when communicating with employees of its division for the return of problem debts.
Step 5
Send your request to discuss options for resolving your problem to the bank in writing if the telephone contact was unsuccessful. Attach to it copies of all documents confirming your difficult circumstances. Make a copy of the letter itself. Send it to the bank in a valuable letter with a list of investments and a return receipt.
Step 6
If you have not received a response to your letter, send a copy of your letter to the bank to the territorial department of the Bank of Russia, which is subordinate to the head office of your bank (in most cases, in Moscow), attach documents, delivery notes and investment lists and a cover letter to it. with a request for assistance, since the bank ignores your requests. The central bank cannot force your lender to meet you halfway, but at least he will have to send a motivated refusal. It is also possible that after the intervention of the supervisory authority, the bank will still have to negotiate with you.
Step 7
Pay off the debt at least partially - as much as you can - as long as you try to resolve the situation. In your position, depositing at least a penny into the account is better than nothing, and 10 payments of 1 ruble. within 10 months - than deposit 10 rubles once, and then pay nothing at all for 9 months. If the case goes to court, it will be easier for you to prove that you remained a bona fide borrower, despite all the difficulties, and the banks themselves are more loyal to clients who are trying to fulfill their obligations to the best of their ability.
