I always pay loans through the terminal. There were no problems, but this time the payment was delayed for several days. As a result, they began to call me from the bank and demand to pay off the debt. Also, there was a fine. What can be done about it?
It is convenient to pay loans through the terminal: you do not need to go to the only bank branch in the city, and very often you can pay off a loan without a commission. However, it should be remembered that terminal owners are intermediaries, so the path of your money to the bank is lengthened. And this means that there is always a risk of delay in payment. A technical failure in the payment system, alas, is not uncommon.
Of course it shouldn't. The law is on your side here. The activity of payment agents in accepting payments from the public is regulated by special federal law No. 103-FZ "On the activity of accepting payments from individuals carried out by payment agents" . Article 3 of this law states:
3. Monetary obligation individual to the supplier is considered to be executed in the amount paid to the paying agent Money, with the exception of remuneration, from the moment they are transferred to the paying agent.
There is a similar rule in the Consumer Protection Act. Article 37 of the law establishes: if you pay for work or services specified by the performer paying agent or bank, then your obligation to pay for the work or service is considered fulfilled from the moment the corresponding amount is paid to the paying agent. Pay attention to the words "specified by the artist": this hints to us that in order to avoid any disputes, it is better to pay off the loan in the ways that the bank told you in its memo on repaying the loan.
Write a claim to your bank. In the claim, briefly describe the situation, attach a copy of the receipt for making a payment through the terminal. If the bank charged you a fine due to the delay, then ask for a refund of the amount of the fine.
Try contacting the owner of the terminal by phone hotline indicated on the check or on the website. With large payment acceptance operators, you can check the status of the payment through the site.
For example, . If you have not found your payment, it has not been credited and a day has passed since the payment, QIWI offers to fill out a special form so that the support service can help you.
They are happy with the loan, like the guests, twice - the first time when the application is approved and there is an opportunity to receive borrowed funds, and the second time, as you might guess, when they make the last final payment, which means that you don’t owe anything to anyone else. Most borrowers are approached very seriously, they study offers on the Internet, ask friends or acquaintances for advice, turn to loan brokers for help, read reviews about banks on the Internet, visit the offices of credit organizations to personally acquaint themselves with specific offers and, in general, with the situation. which is in the bank.
After much deliberation, as a rule, a decision is made that turns out to be not the best, but not the worst either. In general, as with any other things that we choose for a long time, you will still make a mistake. The only insurance can be, perhaps, the help of an intermediary - a loan broker who will select a loan that will definitely suit you in everything. Then comes a certain lull, because all that is required of the borrower at this stage is simply to repay the loan and not think about anything special, live your life, not forgetting your obligations. After that, there comes a moment that borrowers begin to look forward to almost from the first day -. You can rejoice here, but you still need to maintain vigilance and caution, along with a cool head.
After all, the very fact that you have practically paid off the loan should not particularly please, because this is not some kind of great luck or a unique set of circumstances. It was meant to be, and that's okay. And if that didn't happen, that's when the problems would start. You can rejoice at the absence of problems, but, for a second, life in Russia is not so harsh that the absence of a problem is a reason for happiness. So, you came to the bank in a slightly elated, but rather everyday mood in order to repay the loan. You made your last payment and got ready to go home to tell your wife and children about it, start making plans for new purchases and new loans. But wait, your plans may not come true, and your wife and children will not be happy, but, on the contrary, will begin to feel sad if you repay the debt incorrectly.
It would seem that this task is not the most difficult, anyone who has at least some semblance of a head on his shoulders should cope with it. In reality, things don't always go well. Some borrowers, confident in the crystal honesty of banks and in their mathematical abilities, repay the loan as if “approximately”, focusing only on their own calculations. This is a very serious yet common mistake. For some reason, borrowers believe that they understand their loan better than a bank. They make a payment, which they consider to be the last, but in fact they owe a small amount, even a few tens of rubles. Banks will tell you about such a modest debt, but not immediately. After waiting for several months, or even years, when, with all the fines and penalties, the amount of the debt increases by tens or even hundreds of times, they will call you or, given the delay, they will come home demanding to return not those miserable 20 rubles, but several thousand.
Why is this happening, how can banks cheat their customers in broad daylight, you ask. In fact, no one is deceiving anyone. Most borrowers, even the most disciplined, allow delays, albeit small, albeit for 1-2 days, but still. Due to delays, they are charged with minor fines, which, in general, are negligible and therefore no one pays much attention to them. However, the system by which calculations are kept in credit institutions takes into account everything, but you do not. That is, a situation in which the borrower will believe that he has paid the debt, and the bank will be sure of the opposite, is quite possible.
Obviously, in this situation, the bank will be much less interested in the speedy repayment of the debt than the debtor himself. After all, for credit institution- this is a small, but income, and for the borrower, albeit an insignificant, but very offensive loss. You can avoid this if you spend a little of your time and close the debt correctly. First, you need to clearly understand that for loans with the last payment will differ in amount from the previous equivalent ones. So when you “out of habit” want to make the same amount as the last payment, a bank employee for whom such things are taken for granted may not understand that it is he who is the last payment. Therefore, for you, as a person of particular interest, this needs to be clarified. Moreover, you need to clarify not only the fact that you want to make the final payment, but also what this payment should be. To be absolutely sure that everything is correct, ask the bank for the relevant paper - a loan repayment certificate. If you have on hand this document, will not be able to present you with any claims, but in case of problems you will be able to protect your rights.
However, this paper will protect you from the claims of the bank, but your credit history, which is maintained not by banks at all, but by specialized institutions, will also suffer. Moreover, a situation is possible in which you will not know about your debt, considering it paid off, but in your credit history for several years, a record of overdue debts will be kept. Ultimately, until the error is fixed, you are unlikely to be able to get
Loan payment failed! What to do in such a situation, and who is to blame? And most importantly, who will be responsible for this incident? We will try to answer all these questions further.
If a mistake was made in the personal account number or in the client's personal data, then the money will not be credited to the account, they will hang on the balance of the organization that is transferring.
Even if you pay for a loan in the same bank where you purchased it, but at the same time made a mistake in the details of the transfer, the money will not be credited to the desired account.
If you have a payment receipt in your hands, then the first thing to do is to carefully study it. Are all details correct? Run to the place where they paid.
If the money transfer problem is an operator error or program failure, then the organization is obliged to carry out the transaction in short time and pay penalties, if any. To do this, you must write a claim addressed to the organization.
If the reason is incorrectly specified details, then the organization will not be able to help you.
Even if the data was entered incorrectly by an employee of the company, and you checked them, did not find an error and signed the receipt, this is already your fault.
Tip: check details carefully money transfer before signing.
Terminal - This is a device for accepting payments, which operates in self-service mode.
During the acquisition of a loan in a bank, customers are informed about the amount of payment, the date and methods of payment. One of them is payment through a payment terminal.
If the payment terminal belongs to the bank that issued the loan, then payment is faster, and it is much easier to make it. But this payment method also has its pitfalls. It is worth remembering that the terminal is a machine that can fail.
If during the payment of the loan a situation occurred when the terminal did not issue a check, did not make a payment, or completely turned off, then the first thing to do is to calm down.
Money from an ATM will not go anywhere, and at the next unloading of collectors, they will definitely be found.
Your actions on terminal failure
:
IMPORTANT! If the date of writing off the loan is earlier than the date of unloading the ATM, then you need to make another payment on the loan. You won't have to pay for the next month.
If the payment terminal is owned by a third party such as Eleknet
or Qiwi
, then in this situation, proceed as follows:
IMPORTANT! If there is no check on hand and there was no failure in the terminal system, it will be much more difficult to prove your case. Therefore, in without fail keep your checks!
Usually, in such cases, companies meet the needs of customers and try to correct the situation in a short time. In order to make sure that the organization is dealing with your issue - write a claim or application addressed to the director and be sure to ask for a copy for you with a mark of receipt;
Conclusion: In this article, we looked at several solutions in a situation where a loan payment failed, and also indicated the main reasons why this could happen. We hope this information will be useful and interesting for you.
Have you had any experience in such a situation? How did you solve this problem? Leave your comments below.
Now you know what to do if the loan payment fails.
