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How to know the loan debt: where to go to the borrower

Knowing how much loan debt you have is an important step to stay on top of your finances. This WordPress post provides a quick and effective guide to help anyone understand loan debt better. It explores the various sources and resources available to borrowers, such as the National Student Loan Data System, student loan servicers, lenders, and credit reports. It also explains the advantages of consolidating loan debt and the steps necessary to do so. Through this guide, readers can discover how to genuinely understand and manage their loan debt, ultimately ensuring their financial well-being.

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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
  1. Appear at the company office.
  2. Obtain an application form from the manager.
  3. Fill in the required data and sign.

The service is free.

Via internet You can view the loan debt on the official website of BKI. This will require:

  1. Register on the portal.
  2. Activate account.
  3. Pay for the service (the cost varies depending on the BKI).
  4. Order Report.

The answer will be sent to e-mail or to the address indicated when filling out the application.

By mail
  1. Fill out an application, the form of which can be downloaded from the BKI website.
  2. Assure your own signature with a notary.
  3. For repeated and subsequent appeals during one calendar year, attach a receipt for payment.
  4. Send documents to the address of the bureau by registered mail.
By telegram
  1. Contact the post office.
  2. Make a telegram with the obligatory indication of the last name, first name, patronymic, date and place of birth, passport data, address of residence and contact phone number.
  3. Signature of the sender must be certified by a mail employee.
  4. For repeated and subsequent appeals during one calendar year, attach a receipt for payment.
  5. Fax receipt to BKI.

Appeal to the creditor bank

Checking loan debt at a bank branch

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:

  1. Go to the official site of the FSSP.
  2. Enter personal data in the proposed form.
  3. Choose a territorial authority (subject of the Federation).
  4. Click the Find button.

How to view a borrower’s credit card debt

Credit card in hand

You can find out your loan debts with a bank card:

  1. Insert plastic into an ATM or self-service terminal.
  2. Select the appropriate section.
  3. If necessary, enter personal data (if the card is not tied to a loan agreement).
  4. 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.
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Comments: 4
  1. Ember

    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.

    Reply
  2. Piper

    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.

    Reply
  3. Julian Hayes

    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.

    Reply
    1. Owen Miller

      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.

      Reply
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