No one is immune from an accident, job loss, sudden illness and other problems that invariably worsen the financial situation of a family. But if it is enough for ordinary people to simply put up with it and wait it out, then borrowers should not forget about paying off the debt - otherwise the FKU will threaten with fines, court and collectors.
In order not to get bogged down in a debt hole, you need to know how to act in case of a delay on a loan at OTP Bank. What you should prepare for, whether it is possible to resolve the issue peacefully and how to avoid payments - we will tell you in detail in the article.
If the borrower does not receive payments on the loan for two months in a row, then the bank does not think for a long time what to do, but immediately tries to contact the defaulter. First, personal contacts are used, then they call the relatives indicated in the questionnaire, and lastly they contact the client’s place of work. You should be prepared for the fact that FKU employees will persistently demand the return of the debt through calls and SMS messages.
First of all, OTP Bank contacts the debtor and tries to find out the reason for the delay.
It does not matter what kind of loan was issued and what is the amount of the debt. In any case, the FCU will inform the debtor and will by all legal means encourage him to pay off the debt that has arisen. But this will not cancel the accrual of fines and forfeits stipulated by the agreement - for every day of overdue payment, OTP Bank will take “its own”. The amount of additional write-off varies depending on the type of loan.
Due to fines and forfeit with each day of delay, the total debt increases. The longer the borrower “pulls” with the answer, the more the FKU “earns”. But if the debtor still ignores the fact of non-payment, OTP Bank goes further, choosing one of the options:
- filing a lawsuit;
- selling debt to a collection agency.
The involvement of an intermediary in the person of the court or collectors does not bode well for the debtor - you still have to pay, but at an inflated rate. So, when the FKU applies to the court, the total amount of debt with the “body” of the loan, accrued interest and penalties will be calculated and a corresponding claim will be filed. It is almost impossible to refute the fact of delay and avoid responsibility: practice shows that judges take the side of banks.
In court, you can challenge the amount of the claim, avoiding unfair fines and penalties, but you will have to pay the “body” of the loan.
After the victory in the court, OTP Bank will receive a writ of execution, according to which the enforcement of the unpaid debt will begin. Now bailiffs are involved in the case, who have the right to claim the movable and immovable property of the defaulter. Employees of the FSSP will come to the place of residence of the borrower and describe the available household appliances, furniture, dishes, electrical appliances, fur products, vehicles and jewelry. Everything confiscated is put up for auction, and the money received from the sale is sent to the creditor. The issue of real estate is resolved separately and after an independent assessment of specialists. At the same time, bank accounts are being seized. The “persecution” will continue until the full fulfillment of debt obligations.
The collector option is no better. The bank sells the debt to the agency, losing some of the amount, and now the headache with the return of the money goes to the "private traders". Unlike bailiffs, they operate outside the law, they can threaten, intimidate, call in the middle of the night and use other prohibited psychological methods. But it should be understood that such companies have no right to anything other than verbal persuasion, so you will have to be patient, be careful, record a clear violation of personal freedoms and contact the prosecutor's office.
The bank, seeking to quickly return their money, can go to court and sell the debt to collectors at the same time.
If you just stop making monthly payments on account of the loan, then the bank will demand its own calls, collectors and the court. You still have to pay, so it’s better not to rely on the FKU’s negligence, but to try to negotiate peacefully. When the reason for the delay is not in the desire to deceive, but in real financial difficulties, then OTP Bank tries to meet the needs of its customers.
Is it possible to negotiate without conflict?
It is almost always possible to negotiate with a bank without involving courts and collectors. Two parties are interested in a peaceful resolution of the issue: the borrower is exempted from additional costs and restrictions, and the financial institutions fully repay the debt without losing profit. Business reputation is also important for a credit institution, so debtors are more often met halfway.
Loan delinquency can be avoided through restructuring and refinancing.
The main thing is to contact OTP Bank in a timely manner, report any difficulties that have arisen and write an application for debt restructuring. It is better to do this before the delay in order to avoid fines and penalties. Then the FCU will consider the application and offer the borrower several options to reduce the monthly financial burden:
- reduction of the total annual rate on the loan;
- delay in repayment of the "body" of the loan, which will allow you to pay only accrued interest;
- increase in the loan term with a decrease in the monthly payment.
Borrowers with a consumer loan are also offered a refinancing program - obtaining a new loan on more favorable terms with the simultaneous repayment of the old debt. In each of the proposed options, the FCU, at the initiative of the client, revises the loan agreement, which significantly reduces the financial burden on the debtor and his family.
If you stop paying?
It's one thing if the borrower is late with a payment for a couple of days, and another when he doesn't want to pay at all. Theoretically, it is possible to avoid payment in full, but an individual will have to declare himself bankrupt. This procedure is carried out through the court and is regulated by the relevant law of the Russian Federation. It takes a long time to register an individual as a bankrupt, it requires a lot of money and entails negative consequences for the debtor.
There is another option - to pretend to be bankrupt and personally confront bailiffs and collectors. Then you have to take the following steps:
- hide all purchased and expensive property (appliances, dishes, furs);
- “Rewrite” real estate and cars to relatives and friends;
- cash out all bank accounts.
Then it remains to wait and play the role of a beggar before the envoys from the creditor. As soon as collectors and bailiffs despair of returning all the money, they will offer to buy the debt for a penny. So, some debtors managed to buy "freedom" by paying only 15-20% of the real cost of the loan.
Those who have a loan debt are prohibited from traveling outside the Russian Federation.
But this is an exception to the rule. It is better not to take risks and not to indulge yourself with hopes, but to act according to the law and conscience, without bringing the matter to court and collectors. Hiding from payment in extreme cases.
Client's opinion
Svetlana, Naberezhnye Chelny
With a delay of 5 days, a fine of 1500 rubles was calculated. I have never noticed such sanctions before, and I don’t understand what these rules are. Today, the manager from the bank called and categorically stated that I had delayed the payment of the loan for 5 days and should immediately make the monthly missed payment, plus pay the next and additional commission of 1,500 rubles.
Where the last sum came from, I do not understand. Even the predatory "Ezaem" did not accrue such fines to me. Not to mention the system of "double payment", which is valid for each delay. Now also extra. payments announced! As if the bank's management is urgently saving up money for champagne for the New Year!
Please explain where these fines come from. At the same time, tell us about the need to pay two payments at once!
OTP Bank enables its clients to obtain a consumer loan on favorable terms, without guarantors and with a minimum package of documents. Having issued a loan, it is important not to forget about the payment schedule, because a delay on a loan is fraught with penalties for the borrower.
How to find out the debt and payment schedule?
To make a payment to repay a loan, you need to find out the exact information: the current amount of active debt and the next date, according to the payment schedule. Today, customers can get the information they need in several ways.
Internet bank
To receive information via Internet banking, you must follow the active link. Then, in the data entry fields, indicate the secret data received during the execution of the loan agreement: login and password. In the personal account, the borrower can receive an account statement with the necessary data.
Mobile bank
To receive information through mobile banking, OTP customers must first download the application of the same name on a mobile phone or tablet via the App Store or Play Market. Authorization in the application occurs using a username and password. In the mobile application, the client can receive a loan statement, find out loan details, and use the OTPcredit loan assistant, which allows you to track all transactions on an active loan.
SMS bank
You can also specify the payment schedule and find out the amount of debt using the SMS service. To receive the necessary information, it is enough to send a special text to the short number: 5927. The text of the message may contain the following code words:
- CREDIT - in response to this request, the system will send data with the nearest payment date, as well as the balance of the debt.
- REQ - in response to this request, the system will send details for making a payment.
- HELP - in response to this request, the system will send an auxiliary list of commands.
To use the service, it is necessary to contact the bank employees in advance, informing them of the desire to activate the service.
bank branch
The easiest way to obtain information and make a payment to repay a loan debt is to contact a bank branch. To find the nearest branch and get acquainted with its work schedule, you need to use the online map. By clicking on the link, borrowers can also select the "Loan repayment points" tab to view the points of such partner payment systems: "Zolotaya Korona"; "Post office"; "Kiwi"; Eleksnet and Megafon. When contacting the bank, you must have your passport with you.
Hotline
In addition to the methods listed above, customers can get the information they need by calling 24/7 customer support. The hotline operator will clarify the information by the contract number after passing the identification procedure.
How does delay occur?
Loan delinquency may occur when the borrower does not make regular payments according to the established schedule. In order not to receive a penalty for late payment, it is recommended to deposit funds in advance and take into account the time for the transaction.
What happens if you miss a loan payment?
Having missed a payment, the borrower must understand: he is expected to collect a fine. In addition, this information will be reflected in the client's credit history, which may complicate the process of issuing a new loan in the future. In the event of temporary difficulties and the inability to make a payment on time, it is recommended to be proactive and notify the bank yourself about this.
In a difficult financial situation, the client can apply to a bank branch with a request to restructure the debt. This operation provides for a decrease in the monthly installment, and also suspends the payment of debt for a certain period with an increase in the term for the final return of funds.
It is very important not to ignore calls from bank employees. In the absence of feedback, a situation often arises in which OTP representatives call relatives and friends of debtors, which leaves an imprint on the personal reputation of the borrower.
Can I change the payment date?
Borrowers who for some reason are no longer satisfied with the date of payment (according to the established schedule) can write and submit an application to OTP Bank with a request to amend the existing schedule. In case of a favorable decision, the bank employee will write out a new schedule for crediting funds, taking into account the wishes of customers about the desired days.
What to do if the payment is made, but the money did not come to the bank?
When making a payment to repay a loan, it is important to consider that the transaction can take up to seven business days. Only after the expiration of this period does it make sense to contact the credit department to clarify the circumstances.
The most common reason why money is not credited to the account is errors made when filling out bank details. If an error was found when checking the payment receipt, it is recommended to contact the OTP office with a passport to write a free-form application with a request to transfer money to the desired account.
How to find details
When signing a loan agreement, the bank operator provides the borrower with the details for paying the loan. In case of loss of this data, the client can clarify the information in the personal account of Internet banking or using a mobile application. You can also find out the details for repaying the debt at the branch of OTP Bank or by calling the hotline.
Thus, it is important to remember that a delay in a loan is fraught with penalties. In case of temporary financial difficulties, it is necessary to contact the bank and seek debt restructuring.
Paul City: St. Petersburg Event date: 05/2009 Grade: Terrible Review: The last payment in OTP Bank was overdue by 2 days. I called the bank three times and asked if there would be a fine. The operators suggested (!) that they would probably charge about 15-20 (!) Rubles, or maybe not charge; no one will say for sure, because Allegedly, this is calculated by the program, which in the end did not accrue a fine. I immediately paid for it when I made the last payment, so that if something happens, then I don’t have to pay extra. After that, a month later, I called the bank again and found out that there were no complaints against me. Several months pass. A message comes from the collection agency "Pristav" that I owe the bank the amount of the last payment. I checked with the bank - there are no complaints against me, the contract is closed. They were redirected to the Debtors Department. There, too, they suggested an error, asked not to worry and promised to sort it out within a week. At the same time, they suggested that I take a certificate of no debt for complacency. I called the bank a week later (May 29). They answered me in a boorish tone that the contract was closed and if you have any questions, please contact me in writing. On the question of how I got to the collectors, they did not answer. Meanwhile, they admitted that they put me on the list of unscrupulous clients, because of which I may have problems obtaining a loan from other banks (and I felt these problems last month when I was refused by two banks). The agency "Pristav" said that they had no complaints against me, because. The bank withdrew a dossier on me. A disgusting bank with impudent employees and complete chaos, in which the client is footballed from one phone to another. And besides that, they spoiled my credit history due to two days of delay in payment (so that the bank was fine with the Central Bank checks). I have taken loans from 3 banks
CI is one of the main criteria for assessing the reliability of a client. The analysis is divided into three stages.
Evaluate the very fact of the presence of delinquencies in the customer's credit history
When there are facts of delay, banks are highly likely to refuse to cooperate with the automated processing of applications. Whether scoring algorithms are used and how they qualify the delay, OTP Bank does not advertise. Therefore, if there are gaps in payments, you should not apply for mass products with an increased level of risk. For example, these include cash loans without collateral.
Are they looking to see if the debt has been repaid or is it still open?
For those whose debt is not repaid, there is no point in contacting the bank. The exception is refinancing programs, which are considered on an individual basis. In this case, the bank will issue a loan if it can prove that when changing the lender, the financial burden on the borrower will sharply decrease and he will be able to service the debt without delay.
Calculate the period for which the borrower repaid the payment
There is a division here:
- Up to 5-7 days.
This type of delay is considered "technical" and may not be taken into account even by scoring systems. Banks do not even always report such facts to the CI bureau. If there were many such cases, they will be taken into account. - From a month to three.
If the delay exceeded a week, but did not last up to a month, then it may also not be taken into account. This is true if there were few such facts.
Cases of a delay of more than 30 days, but less than 90 will have to be explained to the bank. These documents should be attached to the application immediately. - Over 90 days.
For those whose biography contains such facts, banks will definitely refuse.
How to find out your CI?
Get your credit history online
Fact! According to the law, once a year, everyone can request information about themselves to the credit bureau for free.
How to get a loan from OTP Bank?
In OTP Bank, a loan application is filled out directly at the branch or on the official website.
The application contains information about the borrower's CI, the site offers several options to choose an answer that reflects credit experience:
- the loan was repaid without delay;
- there is a current loan, regular repayment;
- there is a loan, there are delays;
- the loan is closed, there were delays;
- there is a current overdue debt on the loan;
- never took out a loan.
OTP Bank is loyal to customers with a damaged CI, but there is still a chance of refusal to issue a loan. Therefore, to increase the chance of approval of the application, several methods will do.
Submission of the maximum package of documents
To increase the chances of a loan being approved, it is recommended that, in addition to the mandatory package, additional documents be submitted that confirm the client's solvency. OTP Bank requires the following list of papers to obtain a loan:
- the passport;
- SNILS;
- statement of account;
- a copy of the work book;
- certificate 2-NDFL for the last six months.
For borrowers with a poor IQ, this list is not enough for approval, so it does not hurt to submit to the bank everything that confirms additional income or the client’s property, and also certifies the client’s trustworthiness:
- technical passport for the vehicle;
- real estate registration certificate;
- lease agreement for the lease of real estate;
- a copy of the passport with visas for the last year;
- voluntary life or health insurance policy;
- information about open deposits in third-party banks;
- data on the client's securities;
- documents confirming part-time work.
By providing at least one of the above documents, a client with a poor IQ significantly increases the chances of a loan being approved.
Attracting guarantors
A third-party guarantee is one of the most common collateral for loan obligations. The bottom line is that the guarantor acts as a guarantor of debt payment, and if the borrower does not pay, then the guarantor does it for him.
The guarantor, like the borrower, must meet certain requirements, in OTP Bank they are as follows:
- age from 21 to 60 years;
- Russian citizenship and permanent registration;
- a job and a steady income.
Guarantors fill out a special questionnaire and provide all the necessary documents:
- the passport;
- certificate from the place of work;
- certificate 2-personal income tax.
The guarantor may be one or more. The more high-income guarantors, the greater the chance for a client to get an application approved.
secured loan
The collateral ensures the fulfillment of obligations under the loan agreement. The property owned by the borrower on the right of ownership is pledged to the bank until the loan is repaid. The peculiarity of the pledged property lies in the impossibility of the owner to dispose of it until the removal of encumbrances.
The pledge is issued with leaving it with the owner or with the transfer to the bank for storage. The first option is used more often.
Pledge can be any movable or immovable property, as well as securities. The most popular collateral is real estate and vehicles.
Almost all banks approve applications with collateral, and the loan amount depends on its assessment. The higher the value of the mortgaged property, the more they will lend.
If the collateral is a dwelling in which adult citizens are registered, then in order to register the collateral, you will have to obtain their written consent.
Where to get a loan if OTP Bank refused?
If none of the above methods of obtaining a loan with a damaged CI did not work and the OTP Bank refused to issue a loan, then do not despair.
There are other options. For example, you can contact other banks
Application for a loan at Sovcombank
Cash loan at Tinkoff bank
Application for a loan in Rosbank
Application for a cash loan at RenCredit
Getting a loan from an MFI
MFIs issue microloans to borrowers with any CI. In this case, the loan amount will not exceed 50,000 rubles, and the loan term will not exceed a month. The interest rate in a microfinance company is set per day and is about 2%, about 730% per annum.
The best and cheapest loans are microloans in Migcredit
MFIs offer special programs to improve CI. The essence of such a program is that the borrower needs to take 2-3 loans in a row and repay them on time. The amounts in different companies differ, for example, 5,000, 8,000 and 10,000 rubles. After the borrower has paid them, the MFO transmits information about the timely repayment of the loan, and the CI acquires a positive trend.
Pawnshops and car pawnshops
They are not interested in the client's CI, as they cover their risks with the pledged property. The former differ from the latter in the type of collateral.
They will lend up to 90% of the assessed value of the collateral. Interest here is lower than in MFIs, the rate starts from 0.5% per day (182.5% per annum). But the pledge until full repayment will have to be deposited with the pawnshop.
Private individuals
You can also borrow money from a private lender. Previous credit experience will not matter, and the loan amount and interest rate are entirely dependent on the agreements between the parties. You can find a private lender on our bulletin board.
I never complained, but today it’s already too much! I have two cards in return, I pay 3000 for each monthly. There were a couple of delays, but by the next payment I pay everything with interest without problems. Already 4 years with this bank, three loans, one repaid completely. But for a delay of several days, a half-deaf lady calls me and starts just running into me ... threatening me with a blacklist, putting me in a strict framework, and finally, affectionately threatened not to allow delays in the future. It became very unpleasant ... And today the girl with bank, 500 rubles was not enough for me on the last payment, well, I think I’ll run in and dozakin in the near future, and then she ... from her tone, I realized that I was an insignificant insect ... thanks, at least I didn’t swear. I wanted to complain on the bank’s website, but nowhere and no one there. I pay off the loan and forget forever about the existence of this bank Terrible bank!!! My father took a loan, died a year later.
OTP bank ruined credit history due to a couple of days of delay
Banking Law Delay Otp Bank Banks 2 votes 2 answers Mom has 4 agreements in the otp bank total debt of 350 thousand rubles of delay today the operator called and said if until the 16th day under the contract under which the delay is 4 months, then the visiting group will arrive, I ask who she said collectors I I say they are not legal, she said that they are legal, they represent ... Banks Banking Law Delay Otp Bank 3 votes 3 answers I have 6 months delay from the bank what to do. Delay OTP Bank Banking Law Banks 0 votes 2 answers What should we do, how to be, Today I received a call from OTP Bank, I have a big delay there due to loss of work, the girl said that if we don’t deposit 40 thousand by tomorrow, they will transfer the documents to the collection …
Overdue loan in otp bank
Now they call and bark boorishly, They say incomprehensible conditions, they say that they don’t know what they told me at the bank where I got the loan, but I did everything wrong and I had to call them to find out, write some kind of statement. In general, they carry what a heresy and boorish to me! I do not recommend this bank. Two years ago, my wife died. I took a loan from OTP Bank (activated a credit card). The loan was repaid in full. However, the bank always requires payment for loan maintenance.
He threatens to send a special team. We paid the required amount several times, the last time we overpaid on purpose, nevertheless, the calls continue to come. We did not enter into inheritance rights, due to its absence, we are not guarantors, and we knew about the loan only from the words of our wife. Tell me what to do. Dear bank employees, with your attitude you scare away all customers!!! And it's not about being rude...
Otp bank - loan repayment
Attention
The inclusion in the contract of conditions that infringe on the rights of the consumer established by law - shall entail the imposition of an administrative fine on officials in the amount of one thousand to two thousand rubles; for legal entities - from ten thousand to twenty thousand rubles. 3. Failure to provide the consumer with benefits and advantages established by law - shall entail the imposition of an administrative fine on officials in the amount of five hundred to one thousand roubles; for legal entities - from five thousand to ten thousand rubles. Article 333 of the Civil Code of the Russian Federation.
Reducing the penalty If the penalty to be paid is clearly disproportionate to the consequences of the breach of the obligation, the court has the right to reduce the penalty.
Delay in otp bank: fines and consequences
They said to pay 6 ooo to 28, and today 10700 are not written in the contract such ... Otp Bank delay 2 votes 2 answers Mom has 4 contracts in otp bank total debt of 350 thousand rubles of delay today the operator called and said if until the 16th day under the contract under which the delay is 4 month, then a traveling group will arrive, I ask who she said collectors, I say they are not legal, she said that they are legal, they represent ...
Delay from the bank - questions and answers
There, too, they suggested an error, asked not to worry and promised to sort it out within a week. At the same time, they suggested that I take a certificate of no debt for complacency. I called the bank a week later (May 29). They answered me in a boorish tone that the contract was closed and if you have any questions, please contact me in writing.
Important
On the question of how I got to the collectors, they did not answer. Meanwhile, they admitted that they put me on the list of unscrupulous clients, because of which I may have problems obtaining a loan from other banks (and I felt these problems last month when I was refused by two banks). The agency "Pristav" said that they had no complaints against me, because.
The bank withdrew a dossier on me. A disgusting bank with impudent employees and complete chaos, in which the client is footballed from one phone to another.
What happens if you don't pay the bank
Officials of the UFSSP of Russia (Bailiffs) can enforce the decision of the Court, and this is still far away, but if it comes to court, they can not seize all property in accordance with Article 446 of the Civil Procedure Code of the Russian Federation. For information: Article 14.8 of the Code of the Russian Federation on Administrative Offenses. Violation of other rights of consumers 1. Violation of the consumer's right to receive the necessary and reliable information about the goods (work, service) being sold, about the manufacturer, about the seller, about the performer and about the mode of their work - entails a warning or the imposition of an administrative fine on officials in the amount of five hundred to one thousand rubles; for legal entities - from five thousand to ten thousand rubles. 2.
Info
Dear forum users. My girlfriend took out a loan from a bank. The amount is small. But problems have already begun. It was worth a little overdue, and the case was transferred to a collection agency. She paid off her debt and is paying well. And still they call her and constantly demand payment.
After reading the reviews about this bank http://otpbank.bank.ru/opinion/ I am a little shocked. Maybe someone has already contacted? Who did what? Increase karma 0 Reduce karma Maxzoni, google it on the Internet, there are a lot of recordings of conversations between OTP-bank clients and collectors on YouTube, it's pretty cool, in fact collection services are illegal, listen to the recordings, you will learn a lot for yourself. Increase karma 0 Reduce karma I have been using the services of this bank for the third year, no problems.
Moreover, three times allowed delay in payments. Still no problem. Increase karma 0 Reduce karma is also no problem.
Otp bank overdue over 10 days what is the problem
All the checks in my hands went to court, they said to take a certified paper where the debts were written, but the bank did not give anything except a handwritten piece of paper. I asked if it could be extended for another year, they said no. In general, one step before a nervous breakdown. Please think twice before joining this bank. Increase karma 0 Reduce karma Julia, sue them with all the checks, which indicate the fact of transferring money to the bank.
Go to a lawyer, they will determine how legal it all is, if not, hire a lawyer, win the case .... Increase karma 0 Reduce karma Julia, You need to figure out how the bank made write-offs from the loan account. Do not go to a fortuneteller, the order of write-off is den. Wed-in in case of insufficiency of payment is diametrically opposed to that provided for in Art.
319 of the Civil Code of the Russian Federation (it seems that there is no time to check). You need to get an extract and make your own calculation.
I contacted the insurance company and she paid the bank EVERYTHING!!! The loan had to be closed. but after a while they call me and tell me to pay the loan and fines. It turns out that the bank did not know that the insurance company had paid the loan, since it was necessary to write an application for early repayment of the loan. the body of the loan has been paid but the interest for use is still accrued!!! In addition, the employees can't put two words together!!! Terrible bank!!! My father took a loan, died a year later. I contacted the insurance company and she paid the bank EVERYTHING!!! The loan had to be closed.
but after a while they call me and tell me to pay the loan and fines. It turns out that the bank did not know that the insurance company had paid the loan, since it was necessary to write an application for early repayment of the loan.
My YouTube channel: http://goo.gl/Crfv3z Thank you very much for the detailed and understandable answer! Do you have an answer to this question? You can leave it by clicking on the button Reply Related questions My loan is overdue for more than 90 days! They call from the bank and say that bailiffs will come tomorrow to describe the property! The amount of debt is 14,000 rubles. My husband's loan is in arrears. They called my phone from the bank and said that they would charge him the full cost of the loan. I also have a loan from the same bank. I have a delay on the loan for 105 days at home. There is no money loan because the child was born, they call and threaten what to do? My loan is 29 days past due.
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