By law, the seizure of a card by bailiffs can only be initiated by a court decision. However, there are frequent cases when debtors lose the ability to manage their own funds even during legal proceedings. In this case, we are not talking about seizure, but about blocking the money.
However, in most cases, the arrest is imposed after the relevant court decision, the expiration of the terms for appealing it and the opening of enforcement proceedings. In this case, even funds that have not yet been received can be blocked on the card - then, when entering the Internet bank, the debtor sees a negative balance proportional to the amount of the collected amount. Therefore, as soon as the money is received on the account, it will be written off to pay off the debt.
How long after late payments on loans will the cards be seized?
Many debtors unexpectedly discover a lien on their card – they qatar mobile database decide what to do after the problem has arisen, which can often be avoided. It is difficult to talk about specific terms: three months, six months, a year or more may pass from the moment the first delay occurs until the creditor goes to court.
Important: paying off a debt under a court decision may be unprofitable. It is possible that the creditor will ask for the recovery of, for example, legal costs. And the bailiffs will add an enforcement fee to this amount. And as a result, the debtor will have to pay more.
How to return illegally written-off money and remove restrictions from the account
If the debts were written off from the card contrary to the requirements of the law, it is necessary to appeal the actions of the bailiffs. The appeal can be submitted by personally visiting the relevant FSSP office or through State Services. If this does not produce results, you can file a complaint with the chief bailiff. The aggrieved citizen also has the right to seek help from the Bank of Russia or try to get the money back through the court.