The content of the article
- Methods for checking accounts payable
- Request to the Credit Bureau (BKI)
- Appeal to the creditor bank
- Through the Federal Bailiff Service (FSSP)
- How to view a borrower’s credit card debt
- Deceased person loan debt
Methods for checking accounts payable
Information on loans issued and existing debt is confidential. Only the borrower or his heirs can find out information about the presence of debt to the bank and the amount. Depending on the method of contact and the frequency of requests, the service is provided on a paid or free basis. You can find out information in several ways:
- directly at the bank;
- through a credit bureau;
- by contacting the Federal Bailiff Service.
Request to the Credit Bureau (BKI)
A citizen can get information about his own credit history once a year for free. To do this, you must act through the credit bureau. It contains data on all borrowings, debts and guarantees. If you apply more often for information through the BCI, you will have to pay. Today in Russia there are several bureaus, the largest of which are:
- National (NBCH);
- United (OBKI);
- Equifax Agency (Equifax).
Data on the availability of debt are not always reflected in each of them. Therefore, for reliability, it is recommended to contact all at the same time. There are several ways to do this:
Way | Procedure |
---|---|
On a personal visit |
The service is free. |
Via internet | You can view the loan debt on the official website of BKI. This will require:
The answer will be sent to e-mail or to the address indicated when filling out the application. |
By mail |
|
By telegram |
|
Appeal to the creditor bank
In accordance with Law No. 353-FZ, the lender is obliged to inform the borrowers on a monthly basis about the amount and maturity of the loan free of charge. The bank’s client can also, on its own initiative, find out the amount of debt. You can do this in the following ways:
- Phone call to the bank hotline. The operator must provide personal data and the number of the loan agreement.
- Through a personal account on the lender’s official website or through mobile Internet banking. After entering your username and password, go to the appropriate tab with information about existing loans, where to see the balance of debt
- On a personal visit. At the department you need to get an application form from the employee. After filling in, indicating all the necessary data. When applying through a bank branch, you must have a passport with you.
- Ask a question to the technical support operator on the bank’s website. Many lenders have a support service on the official website. By entering personal data and the contract number, you can find out all the information in real time through an online request. Please note that at night and weekends this method may not be available..
Through the Federal Bailiff Service (FSSP)
If enforcement proceedings are instituted against you, all data is entered into a special database. To obtain information on outstanding debt:
- Go to the official site of the FSSP.
- Enter personal data in the proposed form.
- Choose a territorial authority (subject of the Federation).
- Click the Find button.
How to view a borrower’s credit card debt
You can find out your loan debts with a bank card:
- Insert plastic into an ATM or self-service terminal.
- Select the appropriate section.
- If necessary, enter personal data (if the card is not tied to a loan agreement).
- Get a printout or display information.
Deceased person loan debt
At the death of the borrower, his heirs can find out if there is a debt. This can be done by inheritance of debt. You can pay off your main debt and interest at the bank’s cash desk or through self-service terminals. Please note that the heir has the right to refuse to enter the inheritance. Then the bailiff service can not bring him a claim. Debt collection becomes impossible. To find out if the testator is a debtor, you need to contact an authorized bank employee. Present:
- personal passport;
- certificate of death of the debtor;
- court decision on inheritance or testament.
One way to know your loan debt is by contacting the lender directly. They should be able to provide you with all the necessary information regarding your outstanding balance. You can reach out to their customer service or visit their nearest branch in person to inquire about your loan status. Additionally, you can check if they have an online platform or mobile app where you can access your account and view your loan details. Remember, it’s important to stay on top of your loan repayments to avoid any future financial difficulties.
Seeking assistance to determine the amount of loan debt is crucial for borrowers. Can anyone provide insights on the recommended locations or resources to go to in order to find out the exact loan debt? Your guidance would be highly appreciated.
One way to determine your loan debt is by contacting your lender directly. Reach out to them either through their customer service helpline or by visiting their nearest branch. They should be able to provide you with the necessary information regarding your outstanding loan balance. Additionally, if you have access to online banking services, log into your account to check for any loan-related details. Ensure you have your loan agreement or any relevant documents handy to clarify specific terms and conditions.
To determine your loan debt, contact your lender directly through their customer service helpline or visit their branch. They can provide information on your outstanding loan balance. If you have online banking, check for loan-related details by logging into your account. Keep your loan agreement or relevant documents handy to clarify terms and conditions.