1. In 2009, I took out a loan from Giya Money Bank, after some time I lost my job and had to undergo restructuring for 5 years. I made payments regularly for 4 years, but then the bank disappeared. There were no calls or notifications for 5 years. In July 2019, they called from the collections department of Sovcombank and reported that I had missed a payment. 5 years? ! The employee raised his voice, and when I said that I would communicate with them only through the court, he said that there were other methods of influence. Please tell me how to competently negotiate with them, and is it worth filing a statement with the police? Thank you.
Law firm LLC "Helios", 12588 answers, 7097 reviews, on the site from 03/01/2019
1.1. Hello! In this case, the police will not solve anything. Let the bank go to court, where you will declare that you missed the deadline. limitation period.
Lawyer Bulankina S.N., 69552 answers, 25122 reviews, on the site since December 28, 2015
1.2. There are no grounds for reporting to the police yet.
There will be threats - record conversations.
As for the deadlines - the limitation period for general rule is three years. Art. 196 Civil Code.
2. I took out a loan from CJSC GII Money Bank in November 2013. Throughout January-December 2014, the bank underwent transformations and mergers with Sovcombank (CJSC, IKB LLC, OJSC, PJSC - three different TINs). According to the assignment agreement, I was transferred to Sovcombank in May 2014. I was fired in June 2014. I began to decide on changing the terms of the loan. Contracts for 2014, 2015, 2016, 2017, 2018. Refused. In November 2018, the court ruled court order. At my request it was cancelled. In April the area. The court made a decision to pay my debt to the bank - 403 thousand rubles, canceled the penalty of 80 thousand rubles. I should be paid 330 thousand rubles, incl. state fee to the bank is 7 thousand rubles. In the process of correspondence with the bank it became clear. That the bank changed my loan number twice. The agreement (he said that changing the agreement number in the bank’s computer does not matter to me) was changed in the annex to my loan. The contract contained a clause regarding penalties for violations on my part regarding payment; the bank did not provide the loan account number at my request. I paid off the debt, the bank provided me with a certificate of no debt under another loan number. An agreement that supposedly doesn’t matter to me. I asked to indicate in the certificate information about the closure of my account (indicating its number), the absence of debt and the termination of the contract with me. The bank does not provide such a certificate; it indicates a different contract number. What can I do in this case? It turns out that the bank changed my contract number and the clause on fines, and the court turned a blind eye to this in the appeal.
2.1. File a cassation appeal and declare the contract invalid. When did you have an appeal? Reinstate the deadline due to new circumstances in the case.
3. I took out a credit card in 2008.
Then that same year I went to prison
About 3 months after I took out the loan.
Bank CJSC JII MANI BANK.
In the same year, this bank ceased to exist and transferred my debt to the collectors of EOS LLC, they took me to court more than once.
For the position
But I served my sentence. The Last Judgment was 2016
But the court decided in 2016 that I have to pay
Duty. I'm free 2018
And they immediately rang my phone number. And they started calling and offering to pay 50,000 tons at once.
In place of 80,000 tons.
Then the calls stopped after some time. It's been 11 years
What to do?
Lawyer Shinyaev N. M., 1348 answers, 958 reviews, on the site from 03/01/2019
3.1. You need to overturn the court's decision.
4. In 2010, I took out a G Money Bank credit card. I paid constantly. G Money Bank transferred its powers to Sovcombank. In 2015, due to a decrease in wages, arrears arose. Since August 2018, I resumed payments and pay regularly. Sovcombank filed a lawsuit in the magistrate's court. I wrote a refusal. The case was closed. On 02/09/2019 I received a letter from the Lyublinsky District Court stating that I was supposed to appear in court on 01/31/2019. Tell me what my actions should be. The letter states that it has not been paid until October 2018.
Lawyer Shramova M.E., 918 answers, 577 reviews, on the site from 02/03/2019
4.1. You need to analyze all your documents and try to write an application for debt restructuring. When did you receive the subpoena? The court decision can also be appealed.
4.2. Hello! First you need to find out whether a decision has been made in the case or not. if not, prepare written objections to the statement of claim.
Lawyer Filyuk V.P., 13684 answers, 5089 reviews, on the site from 01/06/2009
11.2. If a claim is filed, you or your lawyer can file an objection to the claim with the court, if there are grounds to file a counterclaim.
By attaching documents about the amount of your pension and the cost of paying rent, you and the lawyer can ask to reduce the amount of the penalty and penalties several times.
If you disagree with the court's decision, you and your lawyer can appeal the court's decision within a month.
After the decision comes into force, by attaching documents, you and your lawyer can ask the court to grant you a deferment of execution judicial act for a year or installment plan.
The bailiff can recover 50% of your pension in pursuance of a court decision.
12. I received a letter from KEF, claiming that the debt of GI Money Bank has not been paid since 2013. The signature is generally Finance Express Bank signed by a certain Klyukin A. What to do in this situation?
Lawyer Senkevich V. A., 45190 answers, 16993 reviews, on the site from 10/08/2015
12.1. Hello! Send them to court. The statute of limitations has passed, you can declare this in court and the claim will be rejected. Good luck to you and all the best!
Lawyer Vanteeva M.V., 49212 answers, 19417 reviews, on the site since November 23, 2009
12.2. Nothing. These are collectors. Never mind. If they call, send them to court and try not to communicate anymore. Otherwise, they will finish you off. Let them figure out in court who owes whom and how much.
Lawyer Karasov S.P., 87834 answers, 44849 reviews, on the site since 08/08/2015
12.3. Hello! Don't do anything. Don't pay anything and don't sign anything. If they file a lawsuit to collect a debt, then declare that the statute of limitations has passed.
Lawyer Gribov Yu.V., 56581 answers, 27609 reviews, on the site since 02/06/2015
12.4. In your case, in accordance with Articles 196, 200 a of the Civil Code of Russia, the three-year statute of limitations for filing claims has expired.
Therefore, when the collectors go to court, you can calmly make a statement about the application of the statute of limitations, and the claim will be denied.
Lawyer Titova T.A., 113285 answers, 49840 reviews, on the site since 02/17/2012
25.4. If the claim has not even been filed in court, then no one can come to your house demanding the seizure of property; this is a violation of the right to the inviolability of the home. Don't let anyone into the house.
As for the consideration of the claim in court - ask to recalculate the interest - the correctness of their accrual on the body of the loan, and not on interest. Ask for a reduction in penalties - art. 333 Civil Code and installment payment - Art. 203 Code of Civil Procedure.
26. I took out a loan from G Money Bank in 2012, paid then there was no way to pay, I was left without a job, the bank was closed, now CreditExpress collectors are calling, demanding the debt to repay documents, they refuse to provide them, they are sending SMS that I am wanted, what should I do?
Lawyer Senkevich V. A., 45190 answers, 16993 reviews, on the site from 10/08/2015
26.1. Hello! Don't react to the collectors, they won't be able to do anything other than that, they'll only scare you. Good luck to you and all the best!
Lawyer Erkaev S.S., 106513 answers, 47954 reviews, on the site since 08/05/2014
26.2. Hello! Ignore debt collectors completely. They do not have any serious powers; all they are capable of is making up fairy tales about criminal liability and their supposedly super-exclusive powers to “confiscate property,” “seize children,” etc.
Lawyer A. M. Syrova, 34982 answers, 13187 reviews, on the site from 11/17/2015
26.3. Hello! Don't pay anything to collectors. Let them go to court. In court, ask for a reduction in the penalty in accordance with Art. 333 of the Civil Code of the Russian Federation, this will reduce the amount of debt. If collectors threaten you, contact the police or prosecutor's office.
27. In 2014, I paid off my loan from JI Money Bank ahead of schedule. After 4 months they called me and said that I had a debt because... I didn’t write an application for early repayment and this is Sovcom Bank. Not Jimani Bank. I refused to pay. 2 years have passed and collectors from credexspres keep calling me and threatening me. I demand that they file a case in court, they are rude and refuse to do this, and the calls and SMS do not stop. What to do?
27.1. Ignore debt collectors and do not communicate with them. Don't pay anything.
Lawyer Kromskaya A.V., 202 replies, 61 reviews, on the site from 09/05/2016
27.2. They have the right to demand, but it will be possible to fall apart their demands in court.
28. I paid off the debt on the GMONY BANK loan in 2014 and now the EOS company calls me and says that I owe more. What should I do? If possible, call tomorrow after 16:00
Lawyer Kugeiko A.S., 86,702 replies, 38,690 reviews, on the site since 12/05/2011
28.1. We don't call anyone back.
And you don't have to pay anything.
Lawyer Kostenko O.V., 47227 answers, 20248 reviews, on the site since 05/17/2014
28.2. Paying nothing is a scam
29. I have a question, I took out a loan from Giya Money Bank. Credit card in the amount of 123 thousand rubles. Constantly paying off the debt. The last payment was in January 2014. No one bothered me all that time. 2 years have passed.. For last days They started calling me and demanding that I pay my debt to CreditExpress Finance LLC. Gia Money Bank was closed... now Sovcombank allegedly bought it out. But no one calls or bothers Sovcombank... Thank you.
Lawyer Akhmedov T.F., 51335 answers, 24319 reviews, on the site from 04/21/2016
29.1. Hello! Don't pay anyone anything. Send them to court. In court, you can reduce the interest based on Article 333 of the Civil Code of the Russian Federation.
Lawyer Smirnova N.V., 10611 answers, 4475 reviews, on the site since 03/28/2011
29.2. Hello!
Tell them that you will be reimbursed judicial procedure, let that company provide documents on succession. In addition, by the time you go to court, the statute of limitations may have passed.
Lawyer Matushanskaya I.V., 13781 answers, 6289 reviews, on the site from November 27, 2015
29.3. These are collectors. If you think that you have fulfilled your obligations, do not pay. The statute of limitations expires in January 2017. If they go to court, provide receipts for payment, but they most likely will not do this, but only call - send them to the court.
30. I received an SMS message from ActiveBK: due to the refusal to pay the debt to the bank, the bank has the right to claim your real estate in court for repayment. Before this there was an SMS: that a lawyer would come to get a written refusal to pay the debt, but I’m not at home right now, I’m away and will only be back in 10 days. What property does the bank have a right to claim? How is the procedure done? G Money Bank transferred my loan to another bank after reorganization, without my consent, without notifying G Money in writing. I slowly started paying the next installment. There were financial difficulties with the treatment of a loved one. Now the situation is leveling out a little. I have been a client of this bank for many years and there have been no delays. Tell me how to proceed?
Lawyer Gataullin A.R., 12643 answers, 4896 reviews, on the site from 01/24/2013
30.1. These SMS are just psychological pressure. The bank has no right to claim anything without a court decision. No lawyers have the right to demand from you any written refusal to pay the loan, and if they come home, you may not let anyone in or communicate with anyone.
Credit card. Naturally, the interest rates at the bank are insane, but the money was needed urgently, and, of course, you have to pay for the speed and ease of issuance high interest rates. I will not deny the usefulness and necessity of such credit products, there really is a demand for them, and demand creates supply... And although I myself would never take out such a loan, simply because I can take out much more cheap loan, and I just don’t like being in debt to someone... And although when issuing a loan they couldn’t really announce the percentage, but only powdered their brains, the conversation here is not about the fact that it is inhumane to issue expensive loans. And about the quality of service and attitude towards clients in the wonderful Ge Money Bank.
So, everything in the bank is arranged in such a way that:
1. To attract the client in any way. Well, I have no complaints on this point.
2. Do everything possible to ensure that the client uses the loan and maximizes his debt on the loan, even if he does not need the borrowed money. And even more so if the client has repaid the loan and wants to terminate all relations with the bank.
3. Mislead the client in every possible way, literally mocking him with contradictory information from different mouths, thereby creating conditions that complicate the process as much as possible early repayment loan, as well as stimulating the repeated use of the loan, even if the client does not have such a need.
So, in order not to be unfounded, I will give the history of the relationship with Ge Money. Dates may differ from real ones, although I tried to maintain chronology and recall all events in my memory...
A long time ago... I received a credit card in St. Petersburg. The stated interest rate is about 40% per annum. During the loan issuance process, it is not announced, because the salesperson cannot humanly justify why the rate is high. Although the wife already understood that the interest rate would be high, she was ready to pay the interest, given the speed of issuing the money.
About a year ago... The bank unilaterally increases interest rates on credit card. The bank considers it optional to notify clients about an increase in the interest rate to 56%.
Beginning of April 2010 G. The wife brings to the bank branch on Sennaya (in St. Petersburg), along with the next payment, documents confirming the change of surname due to marriage. To which the girl in the bank says that you don’t have to change anything, since it doesn’t affect anything. As it turned out later, it only does not affect the ability to get into debt to the bank; any other operations are not available.
May 03, 2010 My wife asks me to pay the next installment, since she cannot do this herself due to the recent birth of our child. I delve into the situation and understand that we don’t need such football (at that time I was only thinking about overpayments on interest) - after which I decide to completely repay the entire loan and terminate all relations with the bank. The wife calls the bank to find out everything that is required for this, including explaining the situation that it is not she who will come, but her husband. The operator states that she cannot tell the final interest amount over the phone, but the bank will tell her husband this information.
May 04, 2010
I come to the bank branch on Prospekt Mira (Moscow) to repay the entire loan (although I understand that in order to terminate the contract, I will still have to drag my wife there). After standing in line for about 50 minutes, instead of information about percentages, I receive the surprised eyes of a girl and a request to show me a notarized power of attorney, without which no one will give me such information. However, it is also useless to call on the phone with such a question. They offered me to stand in another line at the cash register (fortunately I only stood for about 10 minutes) and put some money in reserve, in the end I threw in about 1,500 rubles on top and left not so dissatisfied (well, it seems like the girl at the call center made a mistake, I myself understood what it was disclosure of banking secrets...)...
Quite by accident, at the cash register I find out an awesome thing: since I deposit money blindly with a decent margin - in order to return the difference - it will not be enough for me to withdraw this difference at the ATM (the first thing that comes to the mind of a sane person) - I have to go to the cash register with my passport. And if you withdraw from an ATM, you will go back into credit, and your previously overpaid money will remain there!!! Why and how - I still didn’t understand the confused explanations of the cashier, who pretended to be very smart, and with her whole appearance made it clear that I didn’t understand anything about it, although I seem to be not completely stupid, and I have a diploma higher education with a major in Banking and what appears to be an A in Banking Accounting.
May 05, 2010
We come to the bank with my wife. We get it in the face again: in order to change the client’s last name, you need the original marriage certificate (which in April another employee of this wonderful bank did not want to take!). In the meantime, the old name is listed in the bank - any operations other than withdrawing money to deepen the immersion in credit relations with the bank are unavailable. I start to make a fuss and demand the head of the department. Half an hour later from lunch, the half-boss girl appears (the main boss rests on Saturdays). Which sends us anywhere, referring to mythical rules that no one has ever seen (well, of course they are in the bank). Stamps in passports, a facsimile copy of this certificate naturally suits them! Well, why do good to clients, when the longer we can’t terminate the contract, the more pennies we get for the service... By the way, falsifying a stamp in a passport is the same article of the Criminal Code as falsifying the certificate itself, what to do, if you get confused by the question, modern world elementary. So why then torture normal clients?! After all, this still won’t stop the scammers!
No amount of persuasion or threats helps. When asked to get into the situation (there is a 2-week-old baby at home, and it is extremely difficult to leave him with his wife), he replies that he needs to make a notarized power of attorney. From a legal point of view, of course - an ironclad answer! I ask who is in charge in general (not only in the department) - give him his contact information. He answers that no, it turns out they have no one. That is, the departments work on their own, there is no centralized control?! Either he's lying or it's a complete mess...
At the same time, I’ll find out why they change interest rates without notifying clients. I get this answer: “What do you want, the bank cannot warn all its clients! Letters were sent, but they might not have arrived!” That is, you can send an SMS about the next payment, but about an increase of 15% per annum interest rate- it’s a pity to spend 2 kopecks on an SMS bank!!! As a result, the unsuspecting client uses the loan, and the monthly payments grow exponentially.
May 06, 2010 We come again, this time with a marriage certificate. In order not to tear off anyone’s head (and anger is already boiling on the third trip), I decide to stay in the car for now. The wife comes out and says that everything was closed, the card was destroyed, the 590 rubles overpaid through the cash register were returned. I looked at the documents - they only gave me an application to terminate the contract, where there is no information that the bank confirms that there are no debts, including interest. This was confirmed to my wife only, again in words (which cannot be trusted, since each employee in this bank tells all things in his own way), that in 48 days everything will close. But I’m wondering if some kind of paper will come again saying that we still have to come and pay interest?!
Summary. Taking out expensive loans is possible if there is a rational grain in it, depending on the situation. But I wouldn’t recommend contacting Ge Money Bank if you don’t want to get hemorrhoids.
Today I will talk about my experience of communicating with JSC G&M Money Bank.
Today, “GI Money Bank” formally no longer exists and I am sincerely glad about this. Although, I'm afraid the working methods haven't changed much.
This bank has changed its name more than once. So, since 2001 it was called “DeltaBank”, and from mid-2006 - “GI Money Bank”, because at that time it was controlled by the notorious General Electric corporation (in principle, this can be seen even from the bank’s logo). In February 2014 this credit organisation came under the control of OJSC Investment Commercial Bank Sovcombank (usually known simply as Sovcombank) and a little later was renamed CJSC Sovremenny Commercial Bank" The process of transferring branches of Modern Commercial Bank under the Sovcombank brand is now actively underway, and a complete merger is planned. I have never encountered Sovcombank, but I sincerely hope that it will have a positive impact on the former GM Money.
And now, in fact, the story itself.
Around 2009, a letter suddenly arrived from GM Money Bank addressed to my wife (we got married in 2008) demanding payment of the credit card debt. Since my wife never talked about having such a card, and by agreement with her I was in charge of all family finances, I was very surprised and began to find out what it was.
It turned out that even before our wedding, my wife had a credit card, then DeltaBank. At some point the debt on it was paid off and the wife tried to close the card.
3 trips to the bank branch did not help. Moreover, the wife traveled either with her friends or with her mother, and therefore there were witnesses (albeit interested) who could confirm what was happening.
And the visit to the bank office took place according to the same type of scenario: the wife arrived, waited in line, got an appointment with an employee and declared her desire to apply to close the card. And all 3 times she was refused under various far-fetched pretexts. For example, “our system is down and we cannot accept the application,” or “the last repayment will be made in the system within 7 days, after that, come.” In general, in the end, the wife got furious, wrote in front of the bank employee on a blank A4 sheet an application to close the card in free form and simply left it on the counter in front of the employee. After that, the wife did not communicate with the bank, and the bank itself did not show itself in any way.
The card had expired, the bank silently reissued it, sent it to a certain branch and it lay there, and then, as far as I was able to find out, it was destroyed due to lack of demand. The bank did not consider it necessary to notify my then future wife about all this. At the same time, the bank wrote off the amount for the annual service, which put the card balance in the negative, waited until the payment was overdue and sent the very letter from which the story began.
My wife asked me to call and figure it out, because... I really didn’t like communicating with such organizations. The call center employee refused to communicate with me on this topic and, in principle, was absolutely right, because... I was not included in the agreement drawn up between my wife and the bank. However, the refusal was expressed not in a civilized manner, but in an extremely boorish, if not redneck, manner. The wife, naturally, also talked to the call center, but the communication boiled down to accusing her of refusing to fulfill her obligations.
We wrote an application to the bank through the form on the website and began to wait for a response. At this time, the wife began to be pestered with phone calls with direct threats if she did not pay the debt (about 1,500 rubles, if memory serves). It would seem that the amount was not large, but there was already a question of principle.
Oddly enough, the bank’s response eventually came. A lot was written, but it all boiled down to the meaning of “you’re a fool, and we’re all in white, so pay up or we’ll sue.”
At this point I was already furious (my wife had been wanting to go to the department for a long time and yell at the employees, but I dissuaded her, because it didn’t give anything). On behalf of my wife, I wrote a complaint to the Moscow Main Territorial Administration (MSTU) of the Central Bank through the form on their website. In the complaint, I described the situation in detail, listed, according to my wife, the dates of coming to the office with attempts to write an application to close the card, described, from her own words, the place in the office where the employees who refused to accept the application were sitting. Well, I didn’t forget to describe the answer from “GI Money”.
While we were waiting for an answer, my wife continued to receive calls and visits, especially one employee who tried either to threaten or appeal to her conscience (“how can you deceive the bank???”). And then suddenly a wonderful miracle happened. My wife called me at work and told me that the same employee had just called her and in an unctuous voice almost begged her not to complain anywhere else, because... GI Money “on its own initiative once again studied the complaint and decided to satisfy it.” We were very surprised, but after a few days everything became clear. We received a response from the Bank of Russia, which said that our complaint had been transferred to GI Money and the Central Bank was waiting for a response from the bank. From my experience working at Russian Standard, I know that when such a letter with a question arrives from the Central Bank, everyone in the bank begins to move very actively and issues that had not been resolved for months are resolved.
Literally 2-3 days later we received a new response from GI Money Bank. The bank tried to save face, but the main thing is that it satisfied our complaint. It was written in the letter (I am retelling the general meaning, not verbatim) that having considered my wife’s complaint again, the bank considers that she did not fulfill the terms of the agreement, because Didn't close the card correctly. But since the bank is socially oriented and generally white and fluffy, and at the same time because the bank does not have the wife’s signature on receipt of the reissued card, which was also destroyed by the bank by this moment, then “GI Money” decided from own funds pay off the accumulated debt for non-payment of annual card maintenance and close the account.
This is where the story ends. It took a lot of nerves, but the main thing is that we managed to achieve results. Later, studying reviews on this bank on the banki.ru portal, I found out that our situation is almost typical for GI Money and several dozen similar situations have been described. Bank employees, under various pretexts, refused in every possible way to accept the application to close the credit card, and then the bank wrote off any service fees and began charging interest on the debt.
Dear Ekaterina,
You have been sent a Notice of the assignment to Sovcombank of the rights to claim under credit obligations to GI Money Bank in May 2014, which every client of GI Money Bank had the opportunity to receive when contacting the former office of GI Money or Sovcombank. This Notice informs you that an agreement has been concluded between these Banks, according to which the rights of claim under your agreement have been transferred to a new creditor (Sovcombank).
The assignment was made in the manner provided for in paragraph 2 of Article 382 Civil Code RF. At the same time, the transfer of the rights of the creditor does not require the consent of the borrower, and the current legislation of the Russian Federation on bank secrecy does not provide for restrictions on the assignment of rights of claim to another credit organization.
In accordance with paragraph 23 of section II General conditions“The Client grants the Bank the right to transfer to a third party the rights (claims) belonging to it under the Agreement (change of person in the obligation), including a person who does not have a license to carry out banking activities.”
We also remind you that by signing the Questionnaire, you agreed that you have read the text of the Questionnaire, which states that you grant the Bank the right to transfer data to “third parties to whom, for any reason, the rights of claim under the contract have been transferred.”
Terms of agreement under the contract Assignments of claims are a trade secret, therefore the contract itself between legal entities cannot be provided to you.
However, we inform you that this agreement was carried out as part of a full-scale and rather lengthy procedure for the merger of GI Money Bank with Sovcombank, which was successfully completed on 12/05/2014. During the period of restructuring, the following changes occurred:
- in February 2014, IKB Sovcombank LLC completed a transaction to acquire 100% of the shares of JSC GI Money Bank;
- in May 2014, IKB Sovcombank LLC concluded agreements for the assignment of rights of claim under loan agreements of borrowers of JSC GI Money Bank;
- in May 2014, CJSC G&M Money Bank registered in its charter a change of name to CJSC Modern Commercial Bank, as well as a change in the location address;
- in December 2014, CJSC Modern Commercial Bank (formerly CJSC GI Money Bank) ceased to exist as an independent organization due to the completion of the reorganization procedure in the form of merger with IKB Sovcombank LLC;
- in December 2014, LLC ICB Sovcombank, due to the amendments to the Civil Code of the Russian Federation that came into force (based on No. 99-FZ of 05/05/2014), brought the name of the company in line with the Constituent Documents - renamed Public Joint-Stock Company"Sovcombank" (PJSC "Sovcombank").
Thus, PJSC "Sovcombank" (formerly LLC IKB "Sovcombank") is the full legal successor of all rights and obligations of CJSC "Modern Commercial Bank" (formerly CJSC "GI Money Bank"), and you are a debtor for loan obligations to PJSC "Sovcombank" . All contracts and agreements previously concluded by GI Money Bank retain their legal force and are binding. Re-registration of contracts previously concluded by GI Money Bank and signing of additional agreements to the contracts is not required.
We hope that the above explanations are sufficient for further fruitful cooperation.
We recommend that you make payments by loan agreement promptly and in full to avoid the accrual of penalties under the contract.
In February 2014 took out a loan from GE Moneybank No. 1050755574 (at a branch on Baltiyskaya Street in Moscow). The loan was repaid remotely, by automatically debiting funds on the required loan payment date from your account in another bank, because I really respect remote control.
In the summer of 2014, I decided to gradually repay the loan ahead of schedule, for which I had to personally come to the bank and write an application (I don’t like personal visits to banks, because I’m a waste of time, I prefer to manage it remotely). I successfully made several early repayments, each time going to the bank and filling out the relevant documents, but in September 2014, when I came to the bank office once again to deposit a large amount of money and fully repay the loan, there was some kind of discrepancy and the loan was not written off. day.
I only found out about the problem a month later, in mid-October, when I received an SMS notification that supposedly my next loan payment had been written off on the loan payment date, although I thought that the loan had already been closed.
Having extensive experience working with banks, I knew for sure that after closing any loans, it is necessary to go to the bank and receive supporting documents about the closure (payment schedule or statement, etc.), but since... In the past, I did not have problems with banks (but my friends did), then I, being a very busy person, constantly put off going to the bank to receive supporting documents about closing the loan.
In October 2014, as soon as I received an SMS notification about the debit of the next payment, I contacted the bank’s call center with a complaint about why my loan was not closed in September 2014. Unfortunately, my question was considered for about 3 weeks and as a result, its consideration was suspended; in another SMS I was asked to bring to the bank branch where the incident occurred a written statement about the incident and an application for full early closure of the loan. I most likely still had the documents, but I had to look for them; they could be in the office, in the car, at home or in the country.
After receiving an SMS about suspending the resolution of my issue, I went to the former office of GE money bank (now Sovcombank) on Baltiyskaya Street and saw an announcement there that in case of problems with the quality of service, you can contact senior management, who are personally ready to take part in resolving the issue.
The next day, I sent my written application to the addresses indicated in the announcement I saw from the management of Sovcombank, and three days later my issue was resolved with a positive outcome for me.
Moreover, I also noticed that since October 2014. Sovcombank has changed its policy regarding early repayment of loans on the payment date, and now, if I want to repay the loan early on the date of the next payment, then there is no need to come to the bank and write an application for early repayment of the loan, it is enough to transfer/deposit the desired amount of money into the account , and it will be completely written off against the early repayment of the loan on the payment day - this is very convenient, although it is a pity that this opportunity is only available on the date of the next payment, and not on any day!
From wishes:
1) I would like to advise the bank to implement the possibility of early repayment of the loan not only on the payment day, but also on any other day when clients make payments cash to a special account for loan repayment, this would be even more convenient for clients.
2) It would be good if Sovcombank implemented the ability to automatically send a new payment schedule after partial early repayment of the loan to the client’s e-mail, so that clients would not waste their time or the time of bank employees coming to the bank and receiving a new schedule payments. (other banks provide this service, in particular they provide me with this service one of each mortgage loans, but at the same time I still have to go to the bank to write applications for early repayment).