“Often the bailiffs to seize the debtor open when applying for a loan at a product, she says. – Happens that the person repaid debt enforcement proceedings, but by mistake, the arrest of accounts is still happening. In this case, it is possible to promptly cancel, although the period of epidemic prevention measures is difficult.”
How to tell the experts, it is possible to register in “Personal Cabinet of the parties of Executive proceedings” on the official website of the Federal bailiff service of Russia. With the help of this service you can not only learn about the course of enforcement proceedings, but also to appeal to the representatives of the bailiff service with a statement or petition in electronic form. After receiving information about presence of debts, they can immediately repay. The service “Interactive assistant to Executive production” offers a specific sequence of actions to solve specific problems.
If accounts are not arrested by mistake and the duty of a person does have to remove the arrest is impossible, yet the writ will not be closed. So to make the current payment on the current loan will not work: the money will go to pay off old debts. “No cause of action against the Bank: they fulfilled the legal requirements of the Federal bailiff service, said the lawyer. And in the loan contract stipulates your obligation to make payments on account to service the loan.”
this new debt will grow due to interest and penalties, because of the delay the person will have to answer. The arrest of the account is his personal problem. Moreover, the citizen sometimes could not immediately find out that the money doesn’t reach the goal.
“This, in my opinion, “illegal interception of money” must be resolved on the legislative level with the introduction of clear rules in the law “On enforcement proceedings” to protect from the problems of innocent creditors and not to deprive the constitutional right of disposal of own money resources of the debtor, – says Asiya mukhamedshina. But this does not mean that the debtor must be freed from its obligations, it is necessary only to determine the order of credits recovered, as, for example, the law on bankruptcy”.
However, until the rules are what they are, the owner of the seized accounts to continue payments on the loan you need to negotiate with the Bank to change the method of repayment.
“the Cancellation of payments on the loan occurs on two accounts: on account of the principal debt and interest, – says the lawyer. Is the Bank account, and to arrest them can’t. On them you can pay by transfer through the correspondent account or make a cash. In other words, it is necessary to negotiate with the Bank about direct payment through the account to service the loan.”
According to her, the deposits can be made via cash or mezhbankovskythey transfer to the correspondent account.
