What happens if there is a delay on an Alfa-Bank credit card? Late payment in Alpha Bank Late payment in Alpha Bank reviews.

1. The Alfa Bank loan is overdue for more than 90 days. Every month I paid an incomplete amount of the next loan payment in arrears, but the bank was not satisfied with this, they sent me a travel collection specialist from Alfa Bank. When I met him, he announced to me that I needed to pay 30% of the entire loan amount, I explained to him that due to financial problems, I deposited as much money as I could into the bank (2-5 thousand every month) and the main debt to the bank I have only 10,000, and that I will deposit the bank next weekend to pay off the debt with interest and make the next loan payment, to which he replied that I must deposit 30,000 and every day the debt will only grow if I do not pay this amount. He is a representative from the bank who will come to me constantly and also disturb the neighbors. WHAT SHOULD I DO IN THIS SITUATION AND WHAT ARE MY NEXT ACTIONS? Thanks for the answer.

Law firm Line of Protection, 363 answers, 129 reviews, on the site since 04/06/2004
1.1. Write a statement against the bank representative to the police, and send the bank representative... to the court.

2. To clarify the circumstances of what happened, I will outline the situation.
I was approved for a credit card from Alfa-Bank JSC about a year ago (I don’t remember the exact date). During all this time, I used the credit card in good faith, avoiding late payments, and the limit was increased twice.
In August of this year, the card was seized by bailiffs, as a result of which the use of the card became impossible. At the time of the arrest, the debt on the card amounted to approximately seven and a half thousand (again, I don’t remember the exact amount). I decided to pay off the debt, for which I went to the Credit and Cash Office of Alfa Bank JSC. I voiced to the operating room employee my intentions to close the card debt to the bank. I was issued (if I'm not mistaken) a receipt cash document, on the basis of which they were introduced cash to the bank's cash desk. Absolutely confident that I no longer had any obligations to the bank, I went home.
After a while I went into my Personal Area and discovered that she owed the bank 20 kopecks and interest had already accrued in the region of 1,500 rubles. After that I called hotline and the operator filed a claim, the essence of which is that it is not my fault that the operator entered the amount incorrectly. The answer to which is as follows: Dear EVDOKIMOVA OLGA VALERIEVNA,
The bank decided to reimburse the accrued interest.
To carry out corrective measures, you need to resolve the issue of lifting the arrest on the account imposed on the basis of the Resolution of the bailiff.

After the restrictions are lifted, you need to repay the underpaid principal amount of 0.20 rubles and notify the Bank in a response letter.
Unfortunately, if there is a seizure on the account, compensation from the Bank is not possible.
We sincerely apologize for the inconvenience caused.
We hope for your understanding and further cooperation.
Sincerely,
JSC "Alfa-Bank"
After which I went to the bank again and paid off the principal amount - 20 kopecks.
And now the situation has developed that I cannot pay off the debt to the bailiffs, because... I am a guarantor, the main debtor promises to repay the debt, but without specifying a period. That is, accordingly, I do not know when the arrest will be lifted.
But then it turns out that the bank also cannot do anything until the arrest is lifted.
And will interest accrue all this time? Today the amount of debt is already approximately three thousand.
I would like the bank to take some action to level out this situation, because... The bank employee is to blame for what happened, but not me. For example, freeze or suspend the accrual of interest (I don’t know what mechanisms can be used in this case). I don’t believe that the bank cannot take any action to write off interest before the bailiffs remove the seizure from the card.
A call to the hotline did not help, nor did a visit to a bank branch; they said that the arrest must first be lifted, otherwise the bank cannot take any action. I also don’t know where to turn yet, because... I called the hotline and was at the bank office. I wrote an email to the bank, but so far there is no response.
Dear lawyers, tell me what to do. Thanks in advance.

Lawyer Saurov E. O., 4515 answers, 2331 reviews, on the site from 10/08/2017
2.1. Olga! Nobody will read this footcloth. You DO NOT have a QUESTION, but a legal situation. Contact a lawyer individually with your order!

3. There was a cash loan and 2 credit cards in one bank (Alfa Bank). After the decline wages At work there was no way to repay, it became overdue. The bank offered to refinance the debt. I agreed, but the monthly payment amount is still very high. In the near future there will be nothing to pay for both the apartment and the loan. I would like to know how bankruptcy is filed and its consequences. Or it still costs something through the courts. The debt with interest is 425,000. Monthly payment is 9,400 for 7 years. The property has neither an apartment nor a car. Only phone and laptop. I live on rented apartment(11000-12000 per month). I'm officially working. The salary is official (approximately 17,400 after deduction). What to do in this case?

Lawyer Sysuev A.A., 3997 answers, 2749 reviews, on the site from 11/21/2013
3.1. Greetings.
The thing is that restructuring usually does not improve the debtor's position.
The loan repayment period increases, and monthly payment decreases, but not by much.
But bankruptcy is a real way out of the situation.

Lawyer Kovresov-Kokhan K.N., 11275 answers, 5008 reviews, on the site from 03/17/2019
3.2. Question about bankruptcy. Time for bankruptcy is 10-12 months, costs on average are 150,000 within 10-12 months. Debts will remain only for alimony and the like. Before making this decision, you need to compare several law firms on the subject: what they offer and under what conditions, what is the amount and whether there are hidden fees.

Lawyer Soldat S.V., 3997 answers, 2687 reviews, on the site from 01/22/2018
3.3. Hello Maria! I recommend reading the following articles:

"How to win a lawsuit against a bank over a loan"

"How to win a lawsuit against a bank over a loan - a case for 5.6 million rubles."

"How to cancel a court decision in a case of debt collection under a loan agreement"

Lawyer E. S. Demeneva, 1637 answers, 769 reviews, on the site from 08/09/2018
3.4. Maria, hello.
1. Refinancing is not an option. But bankruptcy really works - as a result of bankruptcy, debts are written off.
2. No one will take your laptop and phone from you during bankruptcy.
3. Lack of a car and apartment is undoubtedly a plus for bankruptcy.
4. To go through the bankruptcy procedure, you need to find an arbitration (financial) manager.
Bankruptcy agencies, lawyers and attorneys will not help you get rid of your debts. Bankruptcy is carried out in the Arbitration Court with the mandatory participation of an arbitration (financial) manager. It is more rational and cheaper to immediately contact the arbitration manager (personally or through his assistants) than to overpay to firms or lawyers who can only act as an intermediary between you and the arbitration manager.
You can contact any arbitration manager in Russia. Whose experience and cost of services suits you? The residence of the debtor and the manager in different regions does not interfere in any way with the bankruptcy procedure. So, the arbitration manager, whose assistant I am, works with the regions, and we don’t have any problems because of this.
After you find a financial manager, file a bankruptcy petition with the Arbitration Court.

4. There is a court decision dated September 25, 2012, denying Alfa Bank’s claim to collect overdue debt on a 2007 loan. The basis of the court decision is the expiration of time limitation period and provision of all loan payment receipts. Today in credit history reflects the overdue debt and the unpaid balance on this loan. Alfa Bank posted information about the arrears and debt to the credit history bureau after the court decision to reject the claim. Collectors call periodically. All banks refuse to obtain a loan due to bad credit history. How to fix the situation.

Lawyer Mingazov Yu.S., 47110 answers, 14033 reviews, on the site since December 24, 2009
4.1. Possibly in court.

Lawyer Volkova I. Yu., 2982 answers, 1478 reviews, on the site from 10/16/2015
8.2. Hello, Egor, if there is no money to pay the full monthly payment, then it is better not to pay at all, since the money paid will go towards paying penalties, and the debt will not decrease. Wait for the trial.
If the loan was taken out during marriage, then you have the right to go to court and share the responsibilities for paying it with your ex-wife.
Good luck!

Lawyer Bubnova S.B., 1710 answers, 1104 reviews, on the site from 09/16/2014
8.3. Good afternoon
Firstly, you have the right to share the debt in court with your spouse.
Secondly, if you are not able to make payments according to the Schedule, then do not pay at all! Because if the debt is not repaid in full, it will be considered that you are improperly fulfilling your obligations, and the amount will not go towards repaying the principal debt, but towards interest!
Thirdly, DON'T TAKE new loan to repay the existing one, because In any case, this will be an unprofitable offer for you.
Fourthly, the best outcome in this situation is to wait for the court’s decision to collect the debt. In court, you have the right to request a reduction in the amount of penalties under Article 333 of the Civil Code of the Russian Federation.
The amount of deductions will be up to 50% of income.
Fourthly, do not pay attention to the so-called. collectors! At this stage, they always act this way, because the person is in a stressful situation and cannot adequately assess the situation!
Good luck resolving the issue!

Lawyer Prokofiev O. A., 71 answers, 29 reviews, on the site from 12/11/2016
12.3. What do you mean closed the card? What payments were made to repay the loan?

Also, keep in mind that today there are many ways in which you can legally get rid of loan obligations or at least make it impossible to collect the debt under the loan agreement. These include termination loan agreement, recognition of the transaction as invalid, challenging the terms of the contract as contrary to the law (Article 168 of the Civil Code of the Russian Federation), recognition of the transaction as enslaving (clause 3 of Article 179 of the Civil Code of the Russian Federation), bankruptcy individuals and the end of enforcement proceedings on the grounds of Art. 46 ZF "On enforcement proceedings" To understand your situation directly, you need to see documents that can be sent electronically.

With respect, lawyer in Volgograd - Stepanov Vadim Igorevich.

19. I have late payments on my Alpha Bank credit card. The bank handed over the documents to Sentinel for collection full amount credit cards for 42,000₽ in a one-time payment. I don't refuse to pay, but this moment I just got a job after maternity leave and have 2 dependent children. Is it possible to somehow split the payment into several parts or defer payment? Thank you.

Lawyer Sursky N.A., 1373 answers, 800 reviews, on the site from 12/13/2017
19.1. As soon as you became an insolvent client, you should have immediately informed the bank manager about this and reached a compromise. Now try to do this and ask for conditions favorable to you in repaying the debt.

20. In August 2012, Alfa Bank started calling me with an offer of a cash loan at 13%. At that time, I was working and I didn’t need the money. But they persistently offered and I agreed for the reason that a close relative needed money for registration mortgage loan. We issued 59,500 rubles, which included insurance of 3,000 rubles for 2 years. I asked twice about the percentage, whether it was really 13. The bank employees simultaneously confirmed this. The money was credited to the card and I gave the documents to a relative. But that's not the point. The fact is that the percentage turned out to be much higher - 38%, I found out about this only when a relative brought me documents, having paid for a year. It turned out to be a scam with the mortgage and only a small part of the money was returned. (We sorted this out among ourselves.) I called the bank about the increased percentage, they informed me that they would look into it and answer me. I did not agree with their deception! I believe that they deliberately misled me, using their official position to drag me into lending without telling the whole truth! Now you will say, you should have read it carefully, but I agree with you, but at that time it was still assumed that everything was happening honestly, especially since it was a well-known bank, and I didn’t think that I would encounter lies and of course I signed everything that they planted on me . The only thing they explained to me was that it was necessary to take out insurance. I never received an answer, so the loan payment was suspended and the loan became overdue. Of course, I was worried, but they were silent and everything dragged on. Then there was aggressive advertising that banks do not have licenses to issue loans and do not need to pay them, and they do not sue because of this. I calmed down a little, but I understood that this would not end well. In 2017 and 2018, I began to deposit 150 to 200 rubles into their account, so that I was supposedly the payer. In 2018 they put me out court order, which I canceled due to my disagreement with the above. Some time later, I received a call from the World Court that a claim had been filed against me for an overdue loan. I understand perfectly well that I need to pay, but now I am in a different situation, I only receive a pension, I do not work part-time, I am 64 years old and I am not able to pay the claim in the amount of 44345-77. The trial is scheduled for October 15, 2018. The case was transferred to Ruskollektor and a claim was filed on behalf of Alfa Bank.
Based on the above, I want to ask if I can somehow challenge this and how, I mean%, and if I can ask them to reduce the amount by buying out the debt by 10 or 20%. Such services are offered by PravovedSiberia and Get Rid of Debts in a legal way? Is this really legal or is it just another scam for us low-income pensioners? IN statement of claim they write about 13%, i.e. We are not talking about 38%, but precisely 13%! but if you calculate by calculation: 59500 x 1.13% = 67235:24 = 2801-46.. In my case: 59500 x 1.38% = 82110:24 = 3421-25, which is what was indicated during registration, that the monthly payment is 3421 rubles. This was kept silent, and I think intentionally.

Lawyer Romanov A. A., 726 answers, 575 reviews, on the site from 04/04/2018
20.1. Hello. Don't be afraid of anything or anyone. Start the fight - file complaints against the bank with all supervisory authorities and also write to the bank an application for recalculation of the debt in connection with consumer deception. After receiving a response from the bank, file a claim in court for the provision of information (full and accurate calculation of the debt), and then file a claim for termination of the contract.

Lawyer Ternovykh I.A., 22807 answers, 6377 reviews, on the site from 06/23/2014
20.2. The services of so-called “anti-collectors” for debt relief are in most cases unfounded and untrue.
To consider possible prospects for resolving this situation in the most beneficial way for you, contact a lawyer individually.
It is necessary to familiarize yourself with the available documentation and the status of the loan (credit) agreement.

29. Son died. I found that he had an Alfa Bank credit card for 150 thousand rubles. I contacted the Bank with a death statement. The bank assured that the loan was insured by collective insurance Alfa Insurance Life and recommended contacting the insurance company, which I immediately did, reporting insured event in writing to the address of the insurance organization, since no insurance was found upon application. Having received a response from the insurance company, in which they wrote to me that the insurance was canceled because payment had not been made specified by the contract term. But the expiration date at the time of death did not occur, there was no overdue loan, the funds remained on the card - therefore a rather strange answer. While I was dealing with the insurance company, they charged 20 thousand interest for a month of delay. I did not enter into inheritance rights, since my son is registered in another region, in the apartment where my mother lives. Mom began to receive letters weekly with accrual of interest and notification of the obligations of the assignee to repay this loan. In order not to upset an elderly, sick person, I decided not to wait until the moment of travel to register the inheritance, and I was only going to do it in a month, I came to the department, wrote a repayment application and paid the entire amount with interest. The Bank assured me that the money was in the account and the loan would be closed within 24 hours. But a week later a letter arrived again with five thousand percent (five thousand every week). I contacted the Bank, they replied that the money for repayment would not be received and now it is in the account, and I can only pick it up after accepting the inheritance in six months, having paid a fee. And on the plus side, I have to repay the loan with crazy interest that will accumulate by then. They just laughed at me on the hotline. They said that no one forced me to take money to the Bank. And that these are my problems. I am shocked by such fraud and speculation on my grief. They continue to send letters to my mother and undermine her health.

Lawyer Kriukhin N.V., 157614 answers, 69087 reviews, on the site from 07/14/2011
29.1. Hello.
If the inheritance was not accepted, then you are not obligated to pay the loan. You shouldn't have paid. Now you need to file a claim against the bank for unjust enrichment.

30. Alpha Bank has been overdue since 2016. Got a job. Salary project through the same bank. There was no trial. The bailiffs have no information on their website. The bank found me using the new number indicated by the employer and demands that I pay the debt with interest of 72 thousand as soon as possible, but they charged 56 thousand. Please tell me, will they write off my entire salary? What am I supposed to do. Work is normal.

Lawyer Zubov A. O., 34 replies, 24 reviews, on the site from 03/24/2018
30.1. Perhaps the bank will recover from you through the court. In this case, for a complete answer, it is necessary to analyze your agreement with the bank. It is also possible to get the bank to provide a deferment on payments; in this case, a competent approach to negotiations with the bank is necessary so that the matter does not go to court.
Send all documents to me by email.
I'll take a look. I will definitely answer.

I worked at Alfa Bank loan specialist. I was drawn to take out a loan myself, I was young and stupid. Offered at preferential terms, for employees with a rate of 14.9% per annum. I asked for 200 thousand rubles for the car, but they approved 170 thousand. I took the car. I paid regularly, they issued a credit card on preferential terms... 35,000 rubles. I didn’t need it, but the temptation overpowered me... And I wanted to change my job, because... I couldn't deceive people anymore. I left Alpha.

For three months I could not find a job. I live alone, I’m 22 years old, I had to use a credit card, sell my car and buy an ancient foreign car so that I could pay off part of the debt.

So, living from ruble to ruble, he lived and pulled this burden, then found a job, while he completed his medical record, etc. there was nothing to pay, there were arrears and debts. I worked for a month, waited for my salary, and thought: I’ll leave a couple of thousand for living, and the rest will be used as a loan. I go to the ATM - there is no money, I call the Bank. Salary card blocked, all money goes to the loan account, having paid the overdue payments and returned to the payment schedule, you will be able to receive a salary, the accumulation of interest will be suspended. At first I freaked out and went to the Department of Economic Crimes, where they told me that they have no right, even by a court decision, a maximum of 50% of the salary is subject to arrest, but at least living wage you have to leave it. I think, okay, I’ll get back on schedule and everything will be normal.

There were 3 thousand left overdue and 5990 for the next payment.

The next month, 20 thousand were written off again. I called, and they said to me: “Sergey, they couldn’t tell you this, you are a debtor, you are in arrears, the bank is going to make a demand for full repayment debt." They agreed that the interest would stop and I would receive a salary starting next month. But this never happened. And so from March to June.

Then he quit his job, defended his diploma, passed the state tests, and received a diploma of higher education.
And a pre-trial claim comes, where they state that the bank made a demand for full repayment of the debt in the amount of 143 thousand along with a credit card, money from 4 months of salary, a total of about 60 thousand rubles, went almost nowhere, to pay off fines and penalties. They filed a lawsuit against me with a statement that I had not made payments for 178 days.
Here is proof from Alpha Click that about a month has passed since the date of the last entry:
http://s019.radikal.ru/i619/1307/30/44d5b6cc9983.png
It's clear that last payment was 06/27/2013.

The answering machine rang and threatened me in the voice of the Terminator. In the letters they write that I evade payments, do not answer the phone, in response to this I have evidence and recorded conversations, both with bank employees and with the “Terminator” who threatens.

They go to court. Well, let them serve, I also have something to say... I did not initiate any cases regarding the threats; I also turned a blind eye to the fact that they wrote off 100% of my salary. I ate Chinese noodles for 4 months in the hope that my salary would come from next month. Police officers I knew said that there was no point in writing a statement, there were such lawyers there that you couldn’t prove anything. And I don’t have a lawyer, am I now nothing at all? And I don’t have any rights?
I am writing to ask for help from the community and the site administration, because today was the last straw. My mother calls, cries, and says that the entire entrance is covered in writing and leaflets are posted. Written with the words “neighbors, help raise money for debtors Sergei Sadovnikov and his unlucky mother from apartment 63.” It’s not clear how my mother was hurt, my mother knows about my problems, but she can’t help in any way, since she is alone with 2 minor daughters.
And leaflets of this nature:
http://s61.radikal.ru/i173/1307/79/606dd7a0fb52.jpg
http://s017.radikal.ru/i432/1307/88/eff9f44a7b7b.jpg

I understand that I am guilty, I do not shirk, I have paid and am paying fines and penalties for violating my obligations. But who gave them the right to damage the Elevator (it was written in the elevator with a marker), to call me and my mother a rat... On what basis? Where to contact? ATC? OBEP? Prosecutor's office? Tell.

I hope that this review will find answers to the questions posed in it. And it will save other people from loans from this bank! Thank you in advance.

2. To clarify the circumstances of what happened, I will outline the situation.
I was approved for a credit card from Alfa-Bank JSC about a year ago (I don’t remember the exact date). During all this time, I used the credit card in good faith, avoiding late payments, and the limit was increased twice.
In August of this year, the card was seized by bailiffs, as a result of which the use of the card became impossible. At the time of the arrest, the debt on the card amounted to approximately seven and a half thousand (again, I don’t remember the exact amount). I decided to pay off the debt, for which I went to the Credit and Cash Office of Alfa Bank JSC. I voiced to the operating room employee my intentions to close the card debt to the bank. I was issued (if I'm not mistaken) a cash receipt document, on the basis of which funds were deposited into the bank's cash desk. Absolutely confident that I no longer had any obligations to the bank, I went home.
After some time, I went into my personal account and discovered that I owed the bank 20 kopecks and interest had already accrued in the region of 1,500 rubles. After that, I called the hotline and the operator filed a claim, the essence of which was that it was not my fault that the operator entered the amount incorrectly. The answer to which is as follows: Dear EVDOKIMOVA OLGA VALERIEVNA,
The bank decided to reimburse the accrued interest.
To carry out corrective measures, you need to resolve the issue of lifting the arrest on the account imposed on the basis of the Resolution of the bailiff.

3. There was a cash loan and 2 credit cards in one bank (Alfa Bank). After the salary reduction at work, there was no way to repay, and the debt began to fall into arrears. The bank offered to refinance the debt. I agreed, but the monthly payment amount is still very high. In the near future there will be nothing to pay for both the apartment and the loan. I would like to know how bankruptcy is filed and its consequences. Or it still costs something through the courts. The debt with interest is 425,000. Monthly payment is 9,400 for 7 years. The property has neither an apartment nor a car. Only phone and laptop. I live in a rented apartment (11,000-12,000 per month). I'm officially working. The salary is official (approximately 17,400 after deduction). What to do in this case?

Lawyer Sysuev A.A., 3997 answers, 2749 reviews, on the site from 11/21/2013
3.1. Greetings.
The thing is that restructuring usually does not improve the debtor's position.
The loan payment term increases, and the monthly payment decreases, but not by much.
But bankruptcy is a real way out of the situation.

Lawyer Soldat S.V., 3997 answers, 2687 reviews, on the site from 01/22/2018
3.3. Hello Maria! I recommend reading the following articles:

"How to win a lawsuit against a bank over a loan"

"How to win a lawsuit against a bank over a loan - a case for 5.6 million rubles."

"How to cancel a court decision in a case of debt collection under a loan agreement"

4. There is a court decision dated September 25, 2012, denying Alfa Bank’s claim to collect overdue debt on a 2007 loan. The court's decision is based on the expiration of the statute of limitations and the provision of all receipts for loan payments. To date, the credit history reflects the overdue debt and the unpaid balance on this loan. Alfa Bank posted information about the arrears and debt to the credit history bureau after the court decision to reject the claim. Collectors call periodically. All banks refuse to obtain a loan due to bad credit history. How to fix the situation.

Lawyer Mingazov Yu.S., 47110 answers, 14033 reviews, on the site since December 24, 2009
4.1. Possibly in court.

Lawyer Bubnova S.B., 1710 answers, 1104 reviews, on the site from 09/16/2014
8.3. Good afternoon
Firstly, you have the right to share the debt in court with your spouse.
Secondly, if you are not able to make payments according to the Schedule, then do not pay at all! Because if the debt is not repaid in full, it will be considered that you are improperly fulfilling your obligations, and the amount will not go towards repaying the principal debt, but towards interest!
Thirdly, DO NOT take out a new loan to repay the existing one, because In any case, this will be an unprofitable offer for you.
Fourthly, the best outcome in this situation is to wait for the court’s decision to collect the debt. In court, you have the right to request a reduction in the amount of penalties under Article 333 of the Civil Code of the Russian Federation.
The amount of deductions will be up to 50% of income.
Fourthly, do not pay attention to the so-called. collectors! At this stage, they always act this way, because the person is in a stressful situation and cannot adequately assess the situation!
Good luck resolving the issue!

Lawyer Prokofiev O. A., 71 answers, 29 reviews, on the site from 12/11/2016
12.3. What do you mean closed the card? What payments were made to repay the loan?

Also, keep in mind that today there are many ways in which you can legally get rid of loan obligations or at least make it impossible to collect the debt under the loan agreement. These include termination of a loan agreement, recognition of the transaction as invalid, challenging the terms of the agreement as contrary to the law (Article 168 of the Civil Code of the Russian Federation), recognition of the transaction as enslaving (clause 3 of Article 179 of the Civil Code of the Russian Federation), bankruptcy of individuals and termination of enforcement proceedings on grounds Art. 46 of the Federal Law “On Enforcement Proceedings”. To understand your situation directly, you need to see documents that can be sent electronically.

With respect, lawyer in Volgograd - Stepanov Vadim Igorevich.

19. I have late payments on my Alpha Bank credit card. The bank submitted documents to the Sentinel company to collect the full amount of the credit card for 42,000 rubles in a one-time payment. I don’t refuse to pay, but at the moment I just got a job after maternity leave and have 2 dependent children. Is it possible to somehow split the payment into several parts or defer payment? Thank you.

20. In August 2012, Alfa Bank started calling me with an offer of a cash loan at 13%. At that time, I was working and I didn’t need the money. But they persistently offered and I agreed for the reason that a close relative needed money to apply for a mortgage loan. We issued 59,500 rubles, which included insurance of 3,000 rubles for 2 years. I asked twice about the percentage, whether it was really 13. The bank employees simultaneously confirmed this. The money was credited to the card and I gave the documents to a relative. But that's not the point. The fact is that the percentage turned out to be much higher - 38%, I found out about this only when a relative brought me documents, having paid for a year. It turned out to be a scam with the mortgage and only a small part of the money was returned. (We sorted this out among ourselves.) I called the bank about the increased percentage, they informed me that they would look into it and answer me. I did not agree with their deception! I believe that they deliberately misled me, using their official position to drag me into lending without telling the whole truth! Now you will say, you should have read it carefully, but I agree with you, but at that time it was still assumed that everything was happening honestly, especially since it was a well-known bank, and I didn’t think that I would encounter lies and of course I signed everything that they planted on me . The only thing they explained to me was that it was necessary to take out insurance. I never received an answer, so the loan payment was suspended and the loan became overdue. Of course, I was worried, but they were silent and everything dragged on. Then there was aggressive advertising that banks do not have licenses to issue loans and do not need to pay them, and they do not sue because of this. I calmed down a little, but I understood that this would not end well. In 2017 and 2018, I began to deposit 150 to 200 rubles into their account, so that I was supposedly the payer. In 2018, they issued a court order against me, which I canceled due to my disagreement with the above. Some time later, I received a call from the World Court that a claim had been filed against me for an overdue loan. I understand perfectly well that I need to pay, but now I am in a different situation, I only receive a pension, I do not work part-time, I am 64 years old and I am not able to pay the claim in the amount of 44345-77. The trial is scheduled for October 15, 2018. The case was transferred to Ruskollektor and a claim was filed on behalf of Alfa Bank.
Based on the above, I want to ask if I can somehow challenge this and how, I mean%, and if I can ask them to reduce the amount by buying out the debt by 10 or 20%. Such services are offered by PravovedSiberia and Getting rid of debts in a legal way? Is this really legal or is it just another scam for us low-income pensioners? In the statement of claim they write about 13%, i.e. We are not talking about 38%, but precisely 13%! but if you calculate by calculation: 59500 x 1.13% = 67235:24 = 2801-46.. In my case: 59500 x 1.38% = 82110:24 = 3421-25, which is what was indicated during registration, that the monthly payment is 3421 rubles. This was kept silent, and I think intentionally.

29. Son died. I found that he had an Alfa Bank credit card for 150 thousand rubles. I contacted the Bank with a death statement. The bank assured that the loan was insured by collective insurance Alfa Insurance Life and recommended contacting the insurance company, which I immediately did, reporting the insured event in writing to the address of the insurance organization, since no insurance was found when applying. Having received a response from the insurance company, in which they wrote to me that the insurance was canceled because payment was not made within the period specified in the contract. But the expiration date at the time of death did not occur, there was no overdue loan, the funds remained on the card - therefore a rather strange answer. While I was dealing with the insurance company, they charged 20 thousand interest for a month of delay. I did not enter into inheritance rights, since my son is registered in another region, in the apartment where my mother lives. Mom began to receive letters weekly with accrual of interest and notification of the obligations of the assignee to repay this loan. In order not to upset an elderly, sick person, I decided not to wait until the moment of travel to register the inheritance, and I was only going to do it in a month, I came to the department, wrote a repayment application and paid the entire amount with interest. The Bank assured me that the money was in the account and the loan would be closed within 24 hours. But a week later a letter arrived again with five thousand percent (five thousand every week). I contacted the Bank, they replied that the money for repayment would not be received and now it is in the account, and I can only pick it up after accepting the inheritance in six months, having paid a fee. And on the plus side, I have to repay the loan with crazy interest that will accumulate by then. They just laughed at me on the hotline. They said that no one forced me to take money to the Bank. And that these are my problems. I am shocked by such fraud and speculation on my grief. They continue to send letters to my mother and undermine her health.

I took out a loan from Alfa Bank and paid regularly until life’s difficulties came. I stopped paying because I had no income for a long time. During this time, the bank transferred my case to the collection agency Sentinel Management. Now they are sending me...

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October 27, 2014, 22:52, question No. 598116 Vyacheslav, St. Petersburg

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In 2012, I took out a loan from Alfa Bank, everyone paid, at the moment I have not been working for three months and there is no way to pay yet, can I be held criminally liable?

Good afternoon
I am a client of Alpha Bank, I had a credit card for 100 thousand and a consumer loan, the situation developed that I could not pay, and I had an overdue debt to the bank. I paid off the loan, but I still have an overdue credit card debt.

An employee of the Sentinel collection agency called me with an offer under the Discounting program, instead of 127,000 to pay 90,000.

The proposal is interesting. And I, with all my difficulties, and I now pay regularly, without delays, on loans to 3 more banks, and I can additionally pay no more than 5,000 rubles per month, but Alfa Bank is not happy with this, they want everything at once , that’s why they offered, apparently a discount, calculated the possibilities, and if they were added up, including a private loan from the outside, they could scrape together that amount in three months.

Therefore, I offered the Sentinel employee such a payment scheme, monthly: 10,000 + 10,000 + one-time balance of the debt amount.

At the same time, additional complications arose.
1. I asked the bank to send me legal confirmation of the discount by e-mail, with an explanation of its conditions.
The employee suggested that I call Alfa Bank itself. I went to his department and they said there was nothing there for me. I called the hotline, they automatically transferred me to Sentinel, to the same employee who has no authority in this matter. The circle is closed. When I had unclear questions about debts in other banks in our country, for some reason I was able to talk with the necessary person who could answer all questions competently; this did not work out with Alfa Bank, although the discount was going on, according to the Sentinel employee. , it was from him, but I never received confirmation of this.

2. The Sentinel employee said that there is still a discount, and it is valid until the end of the current month. And he agreed to the above-mentioned scheme for paying off the existing debt. In case of complications, he promised to solve the problem individually. I decided to take a risk and started the payment process, in particular, I deposited the first amount under the scheme. The formal amount of my debt became 117,000 rubles.

3. The month is over, the bank, according to the Sentinel employee, extended my discount for some more time.
However, I was surprised to hear that the discount amount did not decrease by 10,000 rubles, as I had logically expected, because the amount of the total debt became less, but remained the same, 90,000 rubles.
I was deceived? Or did I misunderstand something? Where is the written offer from the bank about the discount and its conditions?

4. And one more question. Even if I paid this required discount in full, how would this be legally recorded? After all, apart from the words of the Sentinel employee, which I no longer know to believe or not, there is nothing.

5. It’s actually more profitable for me to pay 5,000 rubles. monthly, or less, they can’t take more from me, even in court, for 2-3 years, than to soar your brains like that. I was so tense, believing in the discount, and collecting money for this, because, it would seem, everyone benefits - I get rid of debt, with a discount, the bank quickly receives its money, I pay the private person who borrowed me a certain limited amount, the same 5000 rubles a month, he agrees, everyone is happy, but no, someone wants to be more cunning than everyone else? Does he want my debt to him to last another 3 years? So?
Why do this?
16.06.2018