non-payment within 48 hours (technical delay) - penalties are charged on the amount of the debt;
non-payment for up to 1 month (situational delay) - calls from the bank, negotiations with the borrower about the reasons for the violation of the payment schedule, search for a solution to the problem;
delay of more than 1 month (long-term overdue) - transfer of the case to the collection department, collection services;
more than 3 months - appeal to the court.
This is the most common scheme of working with debtors, which qatar mobile database many MFIs and banks adhere to. However, according to the law, you can go to court or to collectors much earlier than 3 months after you have missed a payment.
The limitation period under the loan agreement is 3 years from the moment the client violates their obligations (Article 196 of the Civil Code of the Russian Federation). In this case, 3 years are counted not from the date when the client stops paying, but from the date of each monthly payment in accordance with the payment schedule.
What happens if a creditor files a lawsuit for late payment?
Judicial practice shows that on average banks go to court 3-6 months after the client stops paying off the debt. If the court decides in favor of the bank, the borrower is given 5 days to pay the amount that he is overdue. If the money is not received, the case is transferred to the bailiffs.
What can bailiffs do:
seize and sell real estate, cars and other property,
confiscate shares, bonds, securities,
withhold part of your salary or pension to pay off a debt.
At the same time, there are restrictions in favor of the debtor. Regardless of the amount that the borrower is overdue, bailiffs cannot take the entire salary or pension: according to the law, there is a non-write-off minimum - the amount of income that covers the subsistence minimum.
Also, the following cannot be seized to pay off the debt:
child benefits (maternity capital, birth benefits);
property belonging to the borrower's relatives;
only housing;
products;
equipment and machinery necessary for the work.