Home money debtors list. What happens if you don't repay the loan. Specific examples of claims. What should a debtor do if "Home Money" threatens
Below is the text of my application to the prosecutor's office for Home Money LLC. I ask all victims of the criminal activities of this organization to file complaints against it through Internet sites to the prosecutor's office, the Central Bank of the Russian Federation, Rospotrebnadzor, and even to the website of the President of the Russian Federation. The more people complain about these criminals, the faster their activities will be shut down and they will be punished for their deeds.
Complaint against Home Money LLC on the fact of threats of physical harm to me and my relatives, extortion, unauthorized distribution of my personal data to third parties, hooligan actions and damage to property.
I was a client of Home Money LLC, contract No. 03 ... .6.I took out three loans, the first two were repaid without delay. I repaid the third loan (50,000 rubles) without delay for three months. In July 2014, I experienced unforeseen events related to large financial expenses. I couldn't physically pay the loan. A debt of about 8,000 rubles has accumulated. My request to wait a little longer was rejected and my loan was sold to collectors, according to a statement in a telephone conversation by one of the managers of Home Money LLC.
The next day, 08/01/14, to me, my daughter and a woman, a work colleague, from a phone number+7-904-605-91-87 received SMS with threats of physical violence and profanity (SMS saved).
On 08/02/14, upon returning home, we found on the front door a huge inscription in black paint "THEFF" and a grave cross painted in half of the door. The peephole was sealed with paper demanding the return of 215,000 rubles and the same phone number+7-904-605-91-87. Cigarette butts are inserted into the keyholes and filled with glue, so it is impossible to open the door with a key. Both the door and the locks are damaged and need to be replaced, my daughter and I suffered heavy moral and material damage.
We submitted an application to the 30th police department of the city of St. Petersburg, the district police officer drew up an act on the inspection of the door. The paper pasted on the door is attached to the application. The statement was accepted by the officer on duty at the ATS Melnik S.S. KUSM-6941.
I wrote two letters to Home Money LLC demanding to stop hooligan actions, threats to my relatives and employer and to consider debt claims in court. I did not receive a response to my letters.
Calls continue to me, my relatives and acquaintances with threats - either from the security service of Home Money LLC, or from some collection agency Kavkaz-Invest, to which my debt was allegedly sold (without written notification!) The amount to be returned each time are called different, then 10,000, then 200,000.
Threats and insults from the security service of Home Money LLC are a violation of the law and entail administrative and criminal liability.IT IS PROHIBITED BY LAW: to hold unscheduled meetings and negotiations with the debtor; threaten the life, health and property of the debtor and/or members of his family; take measures that threaten the honor, dignity, business reputation and other non-property rights of the debtor; disturb public order; provide the borrower with false information regarding his debt, fines, penalties, etc., in particular, overestimate the amount of the debt; distribute confidential information about the borrower, including to the next of kin and other persons.
My relatives and acquaintances are not participants in my credit relations with Home Money LLC - therefore, communication with them on the topic of my loan from Home Money LLC employees can be regarded as an unlawful interference in the privacy of citizens. This violates Art. 23 of the Constitution of the Russian Federation. On the door of my apartment, employees of Home Money LLC (or unknown persons hired, but who demanded the return of the debt to Home Money) wrote with black paint "THEF", etc. These actions not only violate public order and are hooligan, but also they defame me in the eyes of my housemates.Until there is a court decision recognizing me as a debtor, all information about my debt is just a private opinion of individuals, and nothing more.
To the demand of my relatives and contact persons to stop threatening calls, I was told: “We will call as we called. You can't prove anything anyway. And file a complaint - it will be regarded as a false denunciation. I was told (all this was accompanied by threats of physical violence, profanity and all sorts of insults) that all the information about my loan agreement and my personal data is posted on some collectors portal, and, they say, they themselves are already “punching clients”, and we have nothing to do with it and “you won’t prove anything (hereinafter unprintable and threats)”
I would have paid my debt as before, the delay was caused by unforeseen circumstances that I am able to overcome within a month. But now I have to spend money on the help of a lawyer, a lawyer, on the restoration of damaged property (front door and locks). I emphasize that all of the above is a violation of several articles of the civil and criminal code of the Russian Federation at once, such as: unauthorized use of my personal data and prosecution. I suffered significant material and moral damage both from damage to property and from a bad mental state caused by constant calls and concern for the life and health of myself and my loved ones, threats of rape and arson of the apartment, which were perceived by me and my daughter as real. My daughter is now afraid to leave the apartment and shudders at every phone call.
All the numbers from which they called me are saved. You can check them with your mobile operator and find out who else has received calls from these numbers over the past month and on what issue. This, in my opinion, will be evidence of the involvement of Home Money LLC in telephone terrorism (I can’t call it otherwise). Surely everyone was called specifically about debts in Home Money and according to their personal data about contact persons. Calls to the employer and colleagues at work may result in the loss of my earnings, that is, become another significant material and moral damage to me.
Here are the phone numbers (they also called my daughter and the contact person, which they can confirm with documents):
78005553535
79816966755
79816966631
When signing a loan agreement with the Home Money microfinance organization, it should be understood that the borrower agrees not only with the agreed amount and interest, but also with the period during which he will be able to return the money. But such a borrower cannot calculate possible force majeure situations in which the return of funds in a timely manner and in full will be impossible.
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What awaits the client in this case, what actions can be taken by MFO Home Money, whether the company turns to collectors, we will describe below.
Who are they and what do they do?
To begin with, let's try to figure out who the collectors are and how they are obliged to behave with debtors.
It should be understood that collectors are intermediaries in negotiations on the return of debt between the bank (MFO, private investor) and the borrower.
The law that would regulate their activities has not yet been adopted, but despite this, the work is carried out within the framework of legal legislation.
Collectors in their work use only lawful, legal methods of debt collection.
They have no right to intimidate, threaten, call at night. Most collectors are young people who thoroughly know the psychological methods of influencing the debtor and the legislation of the Russian Federation.
How does Home Money work?
Some large banks, MFIs have their own collection agencies. As for the microfinance organization Home Money, they do not have their own collection agency.
But, despite this, approaches to debt collection are no worse than those of professional collectors.
The statistics on "knocking out" debts from debtors suggests that the company's security service is actively engaged in debt repayment literally in the first few weeks of delay.
This can continue for 1-1.5 years. If there is no result, the client does not return the debt, the microfinance organization sues.
But such cases are extremely rare, for a hundred outstanding loans there are only two statements of claim in court. More often than not, MFIs “sell” debt to collectors.
How to deal with collectors?
In fact, there are only a few ways to deal with the security service of an MFI or a collection organization:
- Return the debt, while asking for a certificate or a letter confirming the closing of the loan.
- Endure all calls, threats, and other methods of debt collection from the security service, then collectors, hope that the creditor will not file a lawsuit, and wait for the statute of limitations to come.
- Offer the MFI or the collector to file a lawsuit in court. In court, you can provide data on the illegal actions of collectors (SB).
These can be records of phone calls, documents confirming the removal of beatings, damage to property, etc.
During the court session, you can also submit certificates, documents confirming your financial condition and the reasons why you could not repay the debt on time.
Agency phone numbers
The easiest and fastest way to get rid of phone calls from collectors is to change your number.
If this does not suit you, then you can add the numbers of the calling collectors to the "black" list or put a block on all unfamiliar incoming calls.
Moreover, this can be done not only on a cell phone, but also on a landline phone.
Employees of collection agencies use a large number of numbers, it will not work to find everything and will simply take you a lot of time.
What to do if threatened?
Collectors or the security service of a microfinance organization do not have the right to threaten the debtor.
If this happens, the borrower must collect the necessary information (evidence) to write a statement to the police, the prosecutor's office or to go to court.
The debtor must record all telephone conversations. If collectors or SB come to your home or work, involve as many witnesses as possible.
It is mandatory to:
- find out the full name of the caller, the collector who arrived, the representative of the security service;
- full name of the MFI or collection agency;
- actual and legal address of the company;
- company contact numbers.
What is the difference between a deposit and a deposit, you will learn from ours.
Where to complain?
You can find the right to a collection agency with the help of the relevant authorities and organizations.
If you are threatened, called at an unscheduled (night) time, come home, damage property (lock, bell, door), put up an ad or “disturb” by mistake (you did not apply for a loan, a relative or friend received a loan), you can write a statement or complaint to:
- the police;
- prosecutor's office;
- to the association of collection agencies, etc.
Also, do not exclude the possibility of a claim in court with compensation for damage (both material in case of damage to property, and moral, if there were threats, beatings, etc.).
Advantages and disadvantages
In fact, finding the benefits of collectors for a credit institution is not so difficult. Specialized agencies help to collect the debt from the debtor and return it to banks, MFIs.
The website of the House of Money in Moscow and other regions of the country provides information and financial assistance for solving a wide range of problems. We show the most competitive conditions for fast loans and the most efficient processing of applications for receiving money "for hire".
Life is full of surprises, and often there are additional costs waiting for us. Unexpected car breakdown, unfinished repairs or construction, temporary financial difficulties. These are tasks that force us to act decisively, without delay. But what to do if there is not enough money temporarily, and you can’t count on urgent processing of the application or a positive response from the bank? Urgently borrow money to paycheck at a small percentage is real! You can always get a quick loan in the most famous and reliable microfinance organizations! Credit site “Money at home” finds for you MFI companies that provide simple and transparent conditions for the provision of credit funds.
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MFO Money for Home is a credit institution with a wide network of personal managers who, in combination, are also local debt collectors from the company's clients with open delinquency. How do Money for a Home collectors work? Does the MFI sell borrowers' debts to real collection agencies or does it repay the delinquency on its own? How to deal with annoying collectors and get them out of your life forever?
What collectors does MFO Money for a House work with?
With this microfinance organization, everything is ambiguous. It is known for certain that she uses the services of the Kavkaz-Center, but there is no specific information confirming this. Since all collectors who collect debt from borrowers appear to be the security service of MFO Money for a House.
This organization also quite often resorts to the services of city bouncers who operate without any license, name, etc. These are just local "fixers" who lived their best times in the 90s. Hence such brutal methods of collecting delays, so many negative reviews from borrowers.
How do Money for a Home collectors work?
The methods of collecting overdue debts in this organization cannot be called legal.
Not only do Money for a House collectors use all methods of remote psychological influence, they also use brute physical force and violate the Criminal Code of the Russian Federation.
A favorite feature of Money for a House collectors is drawing on the walls of the entrance, the doors of the borrower, damage to property (car, door, etc.)
Collectors of Money for the House write with markers on the debtor's door impartial, discrediting the honor and dignity of inscriptions, scratch the borrower's car and pierce the wheels, break door locks, put matches, toothpicks, etc. there.
If the debtor is not at home during the next visit, they go to the neighbors and introduce themselves as district police officers / investigators, they say that the borrower is suspected of stealing a large amount of money and has been put on the criminal wanted list, etc.
Leaflets are scattered around the entrance and in all mailboxes with a photo of the borrower and information about his current debt.
In addition to personal contact, they constantly call all the numbers left (work, contact persons, home). They threaten everyone indiscriminately, they say that they will be taken to the forest and buried, killed, beaten, raped, stabbed, doused with acid, etc.
Similar threats are being poured against minor children who live with the borrower, parents, spouses and all relatives.
Collectors of Money for the House, as well as the credit institution itself, practically do not go to court to collect debt in a legal way. They prefer to limit themselves to illegal methods of psychological and physical influence on the debtor and everyone around him.
How to deal with money collectors for a house?
Knowing how Money for a Home collectors work, it becomes clear that any communication with these individuals must be reduced to zero and await a trial. Only in this case, the borrower will be able to write off fines and penalties.
While you are waiting for the court, first of all, install the Anticollector application on your phone, which will block all incoming calls from representatives of any KA. The application is not perfect, because it only blocks known collector numbers. Although the database is constantly updated, KA tirelessly register more and more new numbers. However, this free application is simply indispensable. You can download it on the official website of the Market.
Having received the first threat, you should not wait for Money for a House collectors to come to your home or work, you should immediately write a review-complaint directly. Representatives of microfinance organizations often respond to borrowers and try to resolve the controversial situation through a compromise. Especially in cases where complaints are left on large authoritative sites.
Be sure to install a dummy or a real video camera in the entrance above the borrower's door. This will scare off claimants who want to commit illegal acts.
If this did not bring the expected results, you need to write a complaint on the website of the FSSP, the Ministry of Justice, the Central Bank of the Russian Federation and Rospotrebnadzor. Remember that since January 2017, the law on collectors 2017 (FZ No. 230) came into force, which clearly spells out all the powers of these structures, as well as what they do not have the right to do.
The more complaints there are about violations of the relevant law, the more likely it is that the “shop will be closed” in the very near future, taking away the license from the MFO Money for the House itself, which allows such arbitrariness of collectors in relation to their borrowers.
In case of any violation, you need to complain about their actions to the prosecutor's office, the police.
If Money for Home collectors come to your place of residence and ring the doorbell, tirelessly bang on the door, immediately call the police and say that they are extorting money from you, threatening life and health. And remember that it is useless to make contact with them, it will only get worse.
Resonant cases with collectors Money for the House
MFI collectors Money for a house often appears in news publications in different cities. So, for example, in April 2016 in Novokuznetsk, the collectors of this office “walled up” the borrower’s front door with mounting foam, and the walls of the entrance were covered with unpleasant inscriptions. And this is far from the only case of such an attitude towards a client with an overdue payment. Now you know how Money for a House collectors work.
Conclusion
Before you borrow money, weigh the pros and cons, objectively calculate your options and read reviews about the MFI you like on the Internet. Only when you are fully convinced that you will be able to repay the debt on time, apply. If there is no such confidence, it is better not to apply to this MFI.
Legal advice:
1. A letter came from Home Money, an agreement since 2013. Initially, she paid and then she was left without work, and until today, almost 7 years have passed without work ..
1.1. What is the content of the letter? What is written there? You do not need to answer it, it is necessary that they go to court where you can apply the statute of limitations.
Did the answer help you? Not really
1.2. If the creditor did not file a lawsuit on time, then the limitation period (3 years) has passed, so do not pay anything, do not sign.
Did the answer help you? Not really
2. Does Home Money have the right to auto redial calls to work? And "cut off the phone?
2.1. It is enough to send 1 application and the calls will stop quickly.
Did the answer help you? Not really
3. "Home money" Tell me how to write it.
3.1. The claim is drawn up according to the rules of the Code of Civil Procedure of the Russian Federation. You can order its compilation from any lawyer of the site, agree on the price and terms of compilation.
Did the answer help you? Not really
3.2. A counterclaim is filed if your counterclaims are related to the original claim. If you yourself cannot draw up, then you can contact any lawyer chosen on the site in private messages, he will help you.
Did the answer help you? Not really
4. Household money bankrupt. Where to pay the loan?
4.1. the visitor of the site in the situation of bankruptcy of the company is obliged to pay the company to the assignee. You are obliged to notify in writing about the transfer to another organization of the right to claim on your loan.
Did the answer help you? Not really
5. Have household money to call or come to work. Delay about 2 months.
5.1. By law, the Bank, as well as microfinance organizations, have the right to make calls to you and your entourage, as well as come to your work in order to check and clarify data on your credit case.
Did the answer help you? Not really
6. Do household money representatives have the right to come home at 11:30 pm?
6.1. they basically have no authority to come to your home. You can not let anyone in and call the police.
Good luck and all the bestDid the answer help you? Not really
6.2. Natalia!
No, they are not allowed to come to your home. You can't let them in. You can call the police right away.Did the answer help you? Not really
6.3. No, they are not entitled. All contacts are allowed until 22:00.
All the best to you and good luck with your problem. Thank you for choosing our site.Did the answer help you? Not really
7. Owes household money.
7.1. If you must, then pay. No one will forgive you a debt. Can't pay, wait for trial. 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 your debt.
Did the answer help you? Not really
7.2. According to the law, the interest on the amount of the principal debt cannot exceed the amount of the principal debt. If there is no way to pay - wait for the court.
Did the answer help you? Not really
7.3. This MFI can sell your debt to collectors, you can go to court in court, you can object to interest and penalties, ask for installments or deferrals. But obligations should be fulfilled and one should calculate one's strength when concluding a loan agreement.
Did the answer help you? Not really
7.4. If you have to - pay. If you have nothing to pay - do not pay and wait for the trial. In court, you can reduce the debt, not a problem.
Did the answer help you? Not really
7.5. If you do not pay, now wait for the court and apply in court to reduce the penalty in accordance with Art. 333 of the Civil Code of the Russian Federation. Good luck to you and all the best!
Did the answer help you? Not really
8. Can a microloan home money sue.
8.1. Any organization - a creditor, if the debtor does not fulfill the obligation to pay the debt - money, has the right to go to court.
Did the answer help you? Not really
8.2. Of course it can, but you can reduce the penalty in court
Article 333
[Civil Code of the Russian Federation] [Chapter 23] [Article 333]
1. If the penalty payable is clearly disproportionate to the consequences of the breach of the obligation, the court has the right to reduce the penalty. If the obligation is violated by a person engaged in entrepreneurial activity, the court has the right to reduce the penalty, subject to the debtor's application for such a reduction.2. Reduction of the penalty determined by the contract and payable by the person engaged in entrepreneurial activity is allowed in exceptional cases, if it is proved that the recovery of the penalty in the amount provided for by the contract may lead to the receipt of unjustified benefits by the creditor.
3. The rules of this article do not affect the right of the debtor to reduce the amount of his liability on the basis of Article 404 of this Code and the right of the creditor to compensation for losses in the cases provided for by Article 394 of this Code.
Did the answer help you? Not really
8.3. Theoretically, by virtue of Article 15 of the Civil Code of the Russian Federation, any organization can file a claim with the court for the protection of its violated rights, including a microfinance organization.
Did the answer help you? Not really
9. Can I be deprived of maternity because of delays in household money.
9.1. No, they cannot terminate parental rights for such a reason. The grounds for deprivation of parental rights are provided for in Article 69 of the Family Code.
Did the answer help you? Not really
9.2. Can I be deprived of maternity because of delays in household money.
Hello. Because of the delay, they cannot deprive you of motherhood.Did the answer help you? Not really
10. I have nothing to pay the home money loan and 2 more loans, what should I do?
10.1. You can't pay don't pay. Wait for judgment. Ask the court to lower the interest. After the entry into force of the court decision, you can apply to the court that issued the decision with a statement and ask to defer and / or install the payment of the debt.
Did the answer help you? Not really
10.2. Apply in writing to the organization with which you entered into the contract to terminate the contract, indicating the reasons for the impossibility of payment, this will allow them to go to court and pay you the debt in the order of enforcement proceedings to the extent possible, or apply for an installment plan or deferral of payment of the debt .
Did the answer help you? Not really
10.3. There was no need to take. You are an adult and responsible person. How can you use the services of robbers from microfinance organizations. Now get ready for the courts and enforcement proceedings.
Did the answer help you? Not really
10.4. You can try to apply to banks with an application for installment or deferment of the execution of loan agreements.
In addition, you can declare yourself bankrupt.Did the answer help you? Not really
11. How to pay off debt in full in Home Money.
11.1. 1. The ruble is legal tender, obligatory for acceptance at face value throughout the Russian Federation.
Payments on the territory of the Russian Federation are made by cash and non-cash payments.
2. Cases, procedure and conditions for the use of foreign currency on the territory of the Russian Federation are determined by law or in the manner prescribed by it.
Money.
Did the answer help you? Not really
11.2. How to pay off debt in full in Home Money.
Weird question. You took out a loan on certain conditions. These conditions must be met - the debt and interest must be paid.Did the answer help you? Not really
11.3. The loan agreement must be concluded in writing (Article 820 of the Civil Code).
Interest on the loan and other essential conditions must be stipulated in the contract.Therefore, for a more or less reasonable answer to your question, you need to study the loan agreement, the schedule for the actual repayment of payments by you, and other features of your situation. Often banks require unreasonable penalties, fines, etc., which may not be paid, but the principal amount, most likely, will have to be paid. To give specific recommendations for minimizing payments, you need to deal with all this.
Did the answer help you? Not really
12. Is it possible to give prizes in the form of home-made moonshine by taking money for participation.
12.1. Is it possible to give prizes in the form of home-made moonshine by taking money for participation. It is impossible not to sell or give out as a prize, since alcohol is not licensed.
Did the answer help you? Not really
12.2. Is it possible to give prizes in the form of home-made moonshine by taking money for participation. No, you cannot distribute alcohol in this way, especially since you produce alcohol illegally.
Did the answer help you? Not really
12.3. Is it possible to give prizes in the form of home-made moonshine by taking money for participation.
ANSWER: You can't.
In this case, you can be brought to administrative or criminal liability!
Good luck!Did the answer help you? Not really
13. Took out a loan in household money. As far as I remember, I paid everything back in 15 with a slight delay. There were no letters, no calls, yesterday a letter arrived in the mailbox without notification.
13.1. Please read this letter carefully and seek legal advice.
Did the answer help you? Not really
Consultation on your question
call from landlines and mobiles is free throughout Russia
14. I took a loan as an asset, money, now I am unemployed and I can’t pay what I can do. And the question is how can they have my home number if I did not leave it.
14.1. MFO can find a phone number and not only yours.
You can apply for restructuring.
If there is no way to close the loan at all, send the lender to court.Did the answer help you? Not really
15. House money sent a letter on a debt of 425,000 tr. I took a loan and paid it off, after 7 years they send me that they say I owe them something and they will take the apartment))) I repeat, I paid everything and I don’t owe them anything! What to do in this situation? I threw out the documents, perhaps already, because. I don't see the point in keeping them for that long.
15.1. If possible, send them a letter, I'll take a look. So at first glance, they have passed all the terms in order to take debts from you.
Did the answer help you? Not really
15.2. Too bad it got thrown out. Try to restore through them. If you are sure that you have paid, then what to be afraid of. The apartment will not be taken. Are there any more loans?
Did the answer help you? Not really
15.3. The statute of limitations has expired, you will not receive anything. The main thing is to declare the passage of the limitation period in court.
Did the answer help you? Not really
16. I took a loan of 25 tr. in home money in 2014 and didn’t spoil 2020 now, and they got 400 tr.
16.1. There will be a court and forced collection of debt.
Did the answer help you? Not really
16.2. What is the duration of the contract?
Did the answer help you? Not really
17. In 2015, I took a loan from Home Money LLC, did not pay it, in the credit history the debt is listed in front of them, I called the Russian standard, they say that they have debts, but they don’t have my debt. For about three years I have not received any calls or letters from anyone, who should I pay? How to fix credit history?
17.1. Why pay and remind about yourself? The 3 year statute of limitations has already passed! :) If they sue, you will declare the application of the rules on the statute of limitations and its omission, and this will end the case, and there will be no debt.
Did the answer help you? Not really
18. In 2017, the Home Money organization stopped its work, on February 7 I received a letter from it that they wanted to open a criminal case against me for overdue debt. They said that I can avoid criminal liability by paying the debt by phone number through the qiwi terminal. Is it worth paying the debt if the organization does not exist?
18.1. It is unlikely that a criminal case has been opened against you. Most likely they are scammers.
Check if this organization has legal successors on the site tax. Ru by introducing a TIN, if there are assignees, they must submit claims to you for a refund. If there is no successor, you do not need to pay anything.Did the answer help you? Not really
18.2. Eugene, of course, is not worth paying, since these are scammers who have gained access to the database of debtors.
Did the answer help you? Not really
19. Took money from Home Money LLC, 20,000 rubles in 2014. I paid 6,000. It didn’t work out any more. A few days ago, a letter came with a call to the appointed time, on the appointed date he would come to Moscow for explanations and seizure of property in the presence of law enforcement agencies. Countermeasures and omissions will entail 165 Art. Criminal Code of the Russian Federation. The amount of debt under the agreement is 44,865.29. And the total amount is 407,000. How is it in general? What kind of nonsense? How to proceed?
19.1. From whom is the letter? most likely from collectors so ignore.
Did the answer help you? Not really
19.2. The police don't do it. Do you still have debts?
Did the answer help you? Not really
20. I received a letter from Home Money LLC about debt collection, as far as I know, this organization no longer exists. May I ignore this letter.
20.1. The organization itself does not exist, but it has a receiver, to which the rights to demand payment have been transferred.
The letter must indicate the receiver and details. You can also find out about the assignee on the website of the deposit insurance agency.Did the answer help you? Not really
20.2. The revocation of the license does not deprive the organization of the right to demand the return of overdue debts, therefore the letter (if drawn up within the framework of the law, has a living seal and the signature of the responsible employee) is quite legal. But predicting their future actions is problematic. You need to look at the amount of the loan, how much you paid, and a number of other nuances. It is most likely that things will not go further than scarecrows in the form of these letters and calls. In the worst case, they will go to court. I wouldn't pay now.
Here is an article that explains in detail how the collection process works.Did the answer help you? Not really
21. The court seized the money as a guarantee of payment of a fine under article 228
But there was no final court yet, the husband is under house arrest.
2 children 3 years and 4 months old, I can’t go to work, I have to pay for the apartment for the garden.21.1. Please formulate a question...
Naturally, if you want to get an answer.
Good luck to you!Did the answer help you? Not really
21.2. What is your question to lawyers? We answer specific questions.
Did the answer help you? Not really
22. I have a debt to the Home Money organization, I want to pay it off, where should I pay?
22.1. In this case, find out the entire amount of the debt, and ask for payment details. You can apply to the branch where you received the loan.
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22.2. So far, nowhere. At the address specified in the contract, write a registered letter with a return receipt and a description of the attachment, indicating that, on the basis of Art. 385 of the Civil Code of the Russian Federation until you are properly notified, you are suspending payments and you are required to properly notify you of the change of creditor in accordance with Federal Law-230. The original creditor is required to send you an appropriate notice with the name of the new creditor and full payment details. Up to this point, any amount paid can be considered thrown out. Then they will tell you: "we do not know where and what you paid, but your payments did not go to the necessary details."
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23. I owe home money, the debt hangs, but I don’t know who to pay, the contract is lost, I can’t take a loan because of this!
23.1. Wait then when the collectors start to disturb you or the debt will be collected in court. Contact the borrower.
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