How to find out if there is a debt on loans: methods, rules and recommendations of specialists

Today we will try with you to explore all the options that will help to understand how to find out whether there is a debt on loans. This question interests many citizens. Especially those who receive constant notifications that they need to pay a loan. With all this, he did not get any loans. How to be in this situation? What to do? Is there any way to know about the debt? What actions to take if you are a victim of scammers? On loans and debts on them read further!

Payments

Frankly, there are not so many variants of the development of events. But few people even guess about them. Can I find out the loan debt? Yes. And the first, most obvious layout - is to receive a notice of payment of this directly to the mail.

That is, it is enough to wait until you receive the corresponding receipt to the postal address. Usually it comes once a month, at the very end. In it you can easily see the amount of payment, and your debt, if any. In addition, it is worthwhile to pay attention to the fact that the size of the penalty payment is also indicated here. Nothing difficult.

Only this is not the most reliable option. Why? Because often payment documents are forged. And citizens become victims of scammers. How can you tell if there is a debt on loans? It is not so difficult to do this!

Credit history

For example, you have every right to check your credit history. It is important that the data is exactly yours. In an extreme case, a close relative. Third parties without special powers can not be verified by this method.

What will be required of you? The first step is to find out which BIC your data is in. This is done with the help of a certain service, which is on the official website of the Bank of Russia. There you enter your data and search for the appropriate office.

As soon as the case is completed, contact the organization in person. Have your passport with you. Perhaps, in electronic format, you will also be processed by a request for debt verification, but usually this method ends in failure.

Visitors

How do I know if there is a loan outstanding? Understand this is not so difficult, if you know where to start. The thing is that when a citizen has a desire and time, he has every right to apply to the bank, where he took a loan, and then get all the information that interests him.

This option is good when you have either a loan agreement, or a receipt for payment (even a fake). With a passport, you apply to your bank, it gives you information on the existing debt in return. Or about the absence of this. Nothing difficult. Perhaps, this option is in great demand. To deceive you will not be able, in principle. You can also request an account statement. If it is positive, there are no debts.

Court

How do you know if you have a loan debt? Another interesting option is the appeal to the judiciary. More precisely, in the FSSP. Both personally and on the Internet. You can check whether you are being dealt with in connection with the existing debt. Enough or enter on the appropriate page in the network your personal data and look at the result, or personally contact the organization in your area.

True, this alignment is not always effective. It is relevant in cases where there is a possibility of a large debt with arrears. So do not be surprised if there is no information about you in the FSSP, but there are no receipts for payment . This means only that you have not yet been brought to court records. So, you can easily figure out how to find out if there is a debt on loans, and then pay it off.

Internet banking

But there are more interesting, as well as simple methods for solving our today's problem. The modern world is developing rapidly, the banks are coming up with more and more services every day, which will help to control finances and debts. So, you can rely on proposals from credit institutions.

What is it about? Where and how to find out the loan debt? The modern method of solving the problem is Internet banking. A variety of online services (official, this is important) from banks. Usually it's enough to get registered in them (all clients do that), and then just visit the page dedicated to loans. Enter there your data and issue a request for the issuance of a statement of debts. Not so difficult.

The main problem - to find the right page. Most often, the corresponding item is in your "My Account". Each bank has its own menu responsible for issuing information on loans and loans, but on the whole there are no significant differences from each other.

Question answer

Another option for solving the problem is the use of the so-called "question-answer" form. How do you find out your debt on a loan? All methods, honestly, are quite easy to learn. Some of them do not immediately become relevant. And the majority and in general allows directly from the house to receive the necessary information.

This is precisely the application of the question-and-answer form. It exists on the websites of many credit institutions and banks. Write to the consultant-employee your request and personal data (do not forget about registration), and then wait for the answer. Usually you will simply be told if there is a debt, or not. There is nothing difficult or supernatural in this.

Feedback

How do you know if there is a debt on loans? Another method, though not the most reliable one, is an appeal to a service called "Feedback", which is available on the official pages of many credit organizations and banks. Something like the previous version, but this method, as a rule, is different for its reliability and duration of execution. Not too fast, it is worth noting.

What will be required of you? Form a request in the form of a message stating the personal data and requesting you to provide you with a credit history statement (or simply to inform you whether there is a loan debt). After sending the appropriate form will have to wait. Usually answers come directly to e-mail. From there you can find out all the information that interests you.

How to pay

Suppose we learned that there is a loan debt. How to be now? Everything depends on the situation - if it comes to the court, you will have to appear at the appropriate meeting. So far, not so serious? Then just pay the debt and sleep peacefully. Fortunately, now there are so many options for solving the problem. Which ones?

For example, if you have the details of the receiving bank (and they must be mandatory), as well as payment, you can contact the cashier of the credit organization with a passport and money. Pay and keep the receipt. Not the most modern, but very effective way.

You can also use Internet banking and online services of your credit organizations. They search for the recipient (preferably by TIN), enter your details, then confirm the payment. Usually, in the presence of debt, the necessary amount is itself displayed in the corresponding field.

Virtual wallets - another solution to the problem. Log in to the desired service, find the receiving bank (again, preferably by TIN), then confirm the payment with the preliminary introduction of your data and verification of the details.

ATMs, payment terminals are used in a similar way. At the moment, the first "machines", as well as Internet banking and electronic wallets, became very popular. As you can see, paying a debt is not such a problem in fact.

Scammers

Often, after citizens check in one way or another their debts on loans and loans, it turns out that they are victims of scammers. How to be in this case? Especially if you already call collectors with threats for the sake of "knocking out" of you money.

There are not so many options for solving the problem. First, you can turn to anti-collector organizations. They will help for a moderate fee to settle any conflict with the collectors, even if you have debts.

Secondly, just ignore all calls, payments, threats. If you really do not have debt, then ignoring will not lead to anything dangerous. Most likely, scammers will simply try to intimidate you for extorting money.

Thirdly, if a specific bank is specified in the receipt, contact there to resolve the issue. As an option - appeal to the court or the police. In any case, if you check the credit history, and you do not have debts, the option of fighting fraud and injustice is your choice.

conclusions

So we figured out how to find out whether there is a debt on loans, and what to do if it turns out that you are illegally required to cash. Modern methods of solving the problem offer us a fairly wide and extensive range of services. You can choose the approach that you like most. True, not all ways fit like this right away. Some options such as the verification of court records are relevant only as a last resort.

If it turns out that you were a victim of a fraudster, you will have to take appropriate measures. First, make sure there is no real debt, then inform the police about the incident. Most likely, a check will be carried out, and then all charges will be cleared from you. Paying the fictitious debt in any case should not be. At the moment, scammers are very fond of manipulating loans and loans in order to profit from gullible citizens.

As you can see, it is not so difficult to understand how to check the loan debt. You can cope with this problem in just two counts. Only you need to know where to start. Always keep your passport and residence details with you. Without them, it will not be possible to translate the idea into reality. Even with the help of the Internet.