The opinion of the Company about the problem : "The credit is paid off. But the bank continue to demand its repayment"

"Hello," Yurlykbez "! In 2007 I took potrebytelskyy credit for 1 h, oplachyvala all yspravno volume in the same offices, where all the decorations. After a while me began to prysыlat of delay on the loan and default interest. Pomenyav zhytelstva place, I have specified a new address obraschalas in offices, where she took credit uveryala girl, which, according to EE data, all right, this is cocoa that mistake. Kvytantsyy not come, I uspokoylas and indeed veryla in it that this is mistake! I again prodolzhala pays on schedule! She is uveryala that the mistake. When credit was a fully paid for me began to Call the hosts staroy apartments and Report on Volume, something began to come im writing something I pohashala credit. I'll send again rolled эtoy girl, but me told that she uvolylas! What to me is now to do? "- Tatiana.

Advise of the lawyers of the Company "Alex Pooh and Partners":

"In this case, Rather all, already ystek term yskovoy ago. So as a civilian code for dannoy situation Mounted yskovaya The total period of 3 years and no bank will be able to otsudyt zaemschyka money, if on claim on Use of the term yskovoy ago. Vo yzbezhanye sudebnoho razbyratelstva you is necessary literate obratytsya the bank prylozhyv k writing of management at the bank availability of the debt on the credit agreement and proof uplatы loan (for example, kvytantsyy, vыdannыe zaemschyku bank at vnesenyy payments in bank offices). If the bank poschytaet These nenadlezhaschymy proof, it should be potrebovat information from the expense of banking, in Kotor You oplachyvaly duty. In this case, bank obyazan uh be provided. If the same between you and the bank has been concluded at an increase of agreements yskovoy period (of agreements could soderzhatsya the conditions in the loan agreement - read ego) requirements of the bank, in yzlozhennыe yske, poten bыt prynyatы court. Also exists likelihood that that the bank say in court about causes of skipping yskovoy period and court pryznaet s uvazhytelnыmy. Then sudebnoho razbyratelstva not be avoided. If You truly do not narushaly vzyatыe up the obyazatelstva, the advantages in the matter on your side. But obyazatelstva the credit agreement could bыt narushenы sluchayno, ie could ymet place zaemschyka mistake or bank (lender). In the event of violations by obyazatelstva resolv creditor judgment, respectively, dolzhen umenshyt size ubыtkov and penalties (fine or singing), vzymaemыh s debtor, vplot to zero, if wine is completely on the lender. In case, you will have to lyubom dokazыvat that the yspravno You pay the loan. Also exists the possibility of management with arhumentyrovannoy zhaloboy on bank vыstupayuschyy creditor, in National Bank of Ukraine, Kotor tasks, according to legislation, is the control and oversight by duly deyatelnostyu banks on the territory of Ukraine.

Opinion of the Company in "Yurlikbez", 02.07.2012