Now it’s not a problem to find a list of names of debtors on loans on the website of bailiffs. On the website of the Bailiff Service, a new function has appeared that allows you to find out if a person is on the list of debtors, whether the bank sued for an outstanding debt and won it.
Very often, people take out a loan and face life problems or force majeure circumstances that prevent its repayment. For this reason, sooner or later, the borrower ends up on the "black list" of bailiffs.
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Do bailiffs have a single database of debtors on loans?
If there is a need to check your legal status, you can check debts by last name in the FSSP database. This is done on the official website of the FSSP (Federal Bailiff Service). They maintain a single database, and if necessary, anyone can enter it.
The Federal Bailiff Service monitors all debtors of the Russian Federation.
To check for debt, you need to do the following steps:
- go to the official website at www.fssprus.ru ;
- click on the "Services" tab;
- go to the section "Data Bank of Enforcement Proceedings";
- fill out the form and click "Search".
This is very convenient, because to obtain information, no passport or other personal data is required. You need to decide on:
- search for individuals;
- search for legal entities;
- search by IP number.
Based on this, up-to-date information is requested and a search is performed. If no information was found by last name, this indicates that there are no enforcement proceedings against this person.
The decision to enter into the register of non-payers is made on an individual basis for each borrower. Most often, those persons who are hiding from paying the debt for more than 6 months are included in it.
What happens if you do not pay the loan, read.
Sometimes it happens that even after full payment of the debt, a person may still be in this register for some time. Information about debtors is in the public domain, so not only banks, but also collection companies can dispose of it.
How to find out who is in it?
So, the black list of bailiffs of debtors can include any persons who have not fulfilled their loan obligations. Based on the credit history, the blacklist can be located not only in the FSSP, but also in:
- collection company.
- Bank or other financial institution.
- Credit Bureau.
The site is intuitive and available around the clock.
In the event that the black list is located exclusively in a financial and credit organization or in a bank, then most likely, information on your debt cannot be found on the Internet, since this is private information. Only managers will have access to the data, and in the future, the collection organization may also have access.
To get information about your debt, you need to contact the bank where the loan was taken. This is done quite simply, you must comply with the official request. To do this, the borrower needs to contact the manager, having a loan agreement and a passport in hand.
Collection companies also receive information about persistent non-payers in financial institutions. As soon as an official appeal to the FSSP has been made, all rights to repay the debt legally pass to collection companies.
Conclusion
In conclusion, we can say that you need to take a loan only if all the interest has been calculated and there is an exact confidence in its return without violating the deadlines. Due to the violation of the contract, you can lose your personal property and significantly worsen the situation of all your affairs.
