If your bank's license was taken away, or it was absorbed by a larger structure, or the bank sold its assets to another bank - do not rush to rejoice that you will not have to pay: the loan money will always have an “owner”. Wait for the moment when the new credit structure presents its rights.
It is necessary
Loan agreement, copies of payment orders
Instructions
Step 1
When you come to the bank with the next payment, and the operator told you that your bank is no longer there, he must hand you the details of the new credit structure. However, do not rush to go to a new office and pay money to no one knows who. To begin with, carefully study your loan agreement, especially the clause on the assignment of rights: did the previous bank transfer rights to a third party and on what conditions. At the same time, keep in mind that the previous bank is obliged to notify you in writing, in the proper manner, about the changes taking place under the agreement. Otherwise, the fact of improper notification of the borrower may become the subject of legal proceedings in the future. Collect all receipts of past payments and make copies. It will not be superfluous to calculate how much has already been paid, how much is left, including the interest on the loan. Then you can go to a new lender.
Step 2
When meeting with a new lender, make sure that he is the full successor of the previous one. In this case, you must be shown copies of documents confirming the transfer (assignment) of rights. If you do not doubt the authority of the new creditor, you can discuss the terms of further cooperation. The most important question is whether the terms of the loan agreement will be changed. If this question arises, be sure to study all the clauses of the new agreement and determine how beneficial it is for you. If any changes or additions are expected, they must be duly executed in the form of a supplementary agreement and confirmed by you.
Step 3
Remember that the lender does not have the right to unilaterally make any changes to the current agreement. If you have been presented with a new agreement with more stringent conditions, you can safely refuse and go to court, as well as to supervisory authorities and professional associations: the Central Bank of the Russian Federation, the Financial Service for Financial Markets, the Association of Russian Banks or the Association of Regional Banks. As a rule, courts do not protect such "innovations" and other violations of creditors, and the new creditor will not want to risk his reputation.
