Most people at least once in their lives have encountered a situation where they do not have enough money to purchase a large item. In such cases, they apply for a loan. The loan amount can be significant.

A car loan and a mortgage are a loan that is issued for several years. It is difficult to predict the development of events during this period. The borrower may lose his job or experience financial difficulties for other reasons that are beyond his control.

For such situations, Alfa Bank provides a loan payment deferment service.

How to get a deferment?

The loan payment deferment service at the bank began to be provided relatively recently. The financial institution is interested in timely repayment of the debt, so it can accommodate the client halfway if temporary difficulties arise.

Worth knowing! Employees of a financial institution will not be able to simply provide credit holidays at Alfa Bank. Each client's application is considered individually. The bank conducts an in-depth analysis of the situation based on the application and provided documents.

It is necessary to promptly inform the lender about the current situation. Then the client will be able to avoid the accrual of fines and penalties for late payment.

What documents are provided?

In addition to applying for a loan deferment, the client is required to provide documents confirming the situation. In case of dismissal from work, you must present a copy of the dismissal order and a photocopy of the required page of the work book. If a serious illness is detected, a certificate from the hospital. The financial institution considers the following types of documents:

• A copy of the dismissal order. The reason for dismissal plays a big role.
• Bank client statements and medical cards.
• At the birth of a child, a certificate of family composition is provided. A photocopy of the child's birth certificate is attached to it.
• In the event of the death of the sole breadwinner in the family, a copy of the death certificate is provided.

You can enlist the support of two guarantors. It is important that their credit history is positive and their level of official income is high.

How is the service provided?

The client informs the lender about the onset of a difficult financial situation. The bank collectively considers the application; following the meeting, two decisions can be made:

Important! Chances of getting a deferred loan payment individuals in Alfa Bank for a period of up to 1 year is much higher than in other financial institutions. The main thing is that there must be a valid reason why the payment should be deferred.

The main inconvenience is that the bank reserves the right to consider applications within 30 days.

Applying in advance will help you avoid penalties for late payments.

Requirements for a client applying for a deferment at Alfa Bank:

• The borrower must have a good credit history.
• A big plus will be the support of a guarantor with a stable, sufficient income. A high credit rating of the guarantor will be an additional advantage.
• The reason described in the application must be valid. The bank will carefully check the situation. The more significant the reason, the greater the chances of receiving a deferment on payments at Alfa Bank.

If the client does not promptly seek help from a financial institution, the bank will charge fines and late payments on a monthly basis. If the terms of the loan agreement are ignored for a long time, the bank has the right to initiate termination of the document with subsequent confiscation of the client’s property. This is especially true for targeted loan agreements (mortgage, car loan, funds issued for the purchase of household appliances).

Features of providing deferred payments at Alfa Bank

The deferment is drawn up in the form of an additional written agreement to the main contract. According to the document, the borrower is provided with a credit holiday, after which a new payment schedule is established. In this case, no penalties are assessed.

The additional agreement contains clauses with the following content:

• The bank provides a deferment only for the loan body. Other payments (interest, commission, insurance) must be paid on time by the client.
• Vacations can be provided for different periods. The maximum period is 12 months. However, it is worth remembering that the financial institution always halves the period specified in the client’s application.
• The document may describe different options credit holidays. Most often, a deferment is provided for repayment of the loan body. In this case, the client is obliged to repay the interest under the agreement in a timely manner. Sometimes a deferment is provided for the entire amount of the monthly payment.
• If the borrower is in arrears, it significantly affects the duration of the loan holiday.

If a deferment is refused, the borrower has the right to debt restructuring at Alfa Bank. Sometimes employees of a financial institution themselves offer to increase the loan term and thus arrange a deferment.

Credit holidays have a number of disadvantages, the main one being a significant increase in overpayments on the loan. However, in some situations this is the only possible solution. The borrower can independently revise the payment schedule, replacing monthly payments with quarterly ones. Extended deadlines provide additional time to find funds.

Conclusion

When a difficult financial situation arises, the borrower should not panic. It is necessary to immediately warn bank employees about difficulties. Before signing an additional agreement to defer payments at Alfa Bank, the client will have to carefully study the terms of the document and analyze whether such an agreement will be beneficial for the borrower.

The economic situation in the country is increasingly forcing people to take out loans from banks. Life circumstances drive you into even greater bondage. Sometimes a person simply doesn’t know what to do. Anxious thoughts arise when there is nothing left to pay the loan. A person is frantically trying to find answers to such questions: how often does Alfa-Bank go to court, how long does it take for Alfa-Bank to go to court if the loan is not paid. And this is only part of a huge number of questions. In this article we will look at them and tell you what to do if Alfa-Bank filed a lawsuit.

The amount of debt at which the bank sues

You can often come across the question of whether Alfa-Bank sues for a certain amount. Here you need to clearly understand that the bank makes a decision on legal proceedings based on the specific situation. The amount of debt itself is practically not of particular importance.

The bank looks at the duration of non-payment of debt. That is why it is more logical to ask the question, after what time does Alfa-Bank file a lawsuit?

Why is the bank in no hurry to go to court?

Indeed, some believe that already at the first delay, the bank files a lawsuit to get its money back. In reality, everything is completely different. When Alfa-Bank sues a debtor, he clearly understands that in order to win and return the funds he will have to spend a lot of effort, time and money.

In addition, it is not always possible to win a case with financial institutions. Then they not only do not repay the borrowed funds, but also pay all their legal costs themselves. That is why Alfa-Bank often does not sue debtors who have not returned less than 100 thousand rubles. In short, if the debt is small, the case is unlikely to go to court.

But this does not mean that the bank will forgive this debt to its client. No, on the contrary. He can choose one of the following paths:

1. will entrust the case to the bank's security service;
2. will sell the debt to collectors.

When Alfa-Bank sues: types of loans

It happens that a person wonders in surprise why Alfa-Bank does not sue the debtor. It seems that no money is being paid, and no one is summoning them to court. Large debt is the main reason why a bank goes to court. That is why, most often you can hear that Alfa-Bank filed a lawsuit over a loan that has the following features:

• long repayment period;
• mortgage credit lending;
• car loans.

But even a small amount of debt does not guarantee that Alfa-Bank will not sue over the loan.

Why is Alfa-Bank suing?

Large banks, who care about their reputation, are going to court for a refund borrowed money are contacted extremely rarely. But there is another side to the coin. Such organizations serve a huge number of people, it is quite logical that among them there is a certain percentage of debtors. Alfa-Bank does not use the services of collectors so as not to spoil its reputation. So it turns out that the only way to influence is to go to court.

This is the practice large banks, including Alfa-Bank, Sberbank, VTB, Gazprombank and some others.

Benefits or costs of litigation for Alfa-Bank?

A person, having heard that a bank has filed a lawsuit against a debtor, almost always believes that the financial institution will win this case. But in reality everything turns out to be much more complicated. For most debtors, suing Alfa-Bank will be beneficial. Why? There is a possibility of debt reduction. Of course, this cannot be done without obligations.

What about the bank? He risks not only his reputation, but also money and time. And if in the end the decision is also in favor of the defendant, then the bank’s costs will turn out to be catastrophic.

There is another very important nuance. Once the bank has filed a claim against the debtor, it cannot impose any fines on the loan amount. We must not forget that even if the bank obliges the client to pay the debt, it will do so in small monthly amounts. It will also be impossible to use fines again after a court decision.

From here you can easily find the answer to the question, how often and quickly does Alfa-Bank sue? It is simply not profitable for him to do this in a short period of time. That is why they try to delay until the last minute in order to impose as many fines on the debtor as possible. That is why it is worth asking yourself how to sue Alfa-Bank yourself, so as not to fall into even greater bondage.

In order for the bank to stop charging fines on an existing loan, the client of the financial institution must draw up an application requesting to transfer the case to court. Maybe not immediately, but in the near future the bank will have to do this. However, penalties cannot be assessed by the client after filing such an application.

We correctly draw up an application to the bank

It is very important to submit and complete the application correctly. You need to take it to the bank yourself, and not transfer it through other persons. When submitting paper, you must ask to make a copy of the document with a signature confirming its acceptance.

The bank, after receiving such paper, must respond to the debtor no later than 1 week. If this obligation is violated, the client may contact the financial institution to obtain an explanation in writing.

If a person feels that he is about to be unable to pay the loan, he urgently needs to take such a statement to the bank. If there are other ways to resolve the conflict, you can use them. For example, get a deferment, restructure a loan. But all these changes should not only be verbal. The bank must make changes to its loan agreement, having written down all the new nuances of the agreement with the borrower. The new document must be signed by the responsible person, and a stamp must also be placed on it.

How long does litigation take?

When a case is brought to court, the entire process takes place in accordance with the Code of Civil Procedure of the Russian Federation. The law defines not only the procedure, but also the period for consideration of the case. This usually takes no more than 40 weeks. Due to the overload of the courts, such a case may even drag on for 9 months.

The time it takes to consider a case can be shortened if you hire a competent lawyer to protect your interests. You can, on the contrary, stretch out this time.

Alfa-Bank sued me - what should I do?

In order not to wait in despair for the bank to sue or forgive the debt, it is better for the borrower to prepare for the legal process in advance. Moreover, you need to be prepared for any possible consequences.

To increase the likelihood of winning the case, you should collect a package necessary documents. They will help you defend your case. To submit to the court you will need the following documents:

• loan agreement concluded with Alfa-Bank;
• receipts confirming that the borrower made payments to repay the debt to the bank (you can simply obtain a statement from the bank, which displays information about what debt the client has, when and in what amount the payments were made);
• official information that would confirm that financial position the client’s deterioration has significantly worsened, which became the reason for the impossibility of repaying the loan (this could be a work record book with a record of dismissal from work, a certificate of income in Form 2-NDFL, which proves that income has actually decreased);
• if you have dependent children, you need to prepare their birth certificates (by the way, the birth of a child may become the basis for obtaining a deferment from the bank, for this you just need to contact a loan specialist and outline the current situation);
• payment documents confirming payment for training;
• copies of all documents that the client provided to the court.

A person may wonder why all these papers are needed? They can become the very reason that would explain late payments. A sharp decline in income will become the main reason for the court to take the position of the borrower, and not the bank.

The main thing a person needs to do in court is to prove his insolvency for reasons beyond his control.

But even the presence of an evidence base does not mean that the client’s debt will be forgiven. In 9 out of 10 cases, the court still takes the side of the bank. Of course, many payments are written off (fines, penalties), but the bulk of the debt almost always remains.

How long will it take to receive notification from the court?

It is impossible to answer this question with certainty. After all, each bank decides whether to go to court independently. Some sound the alarm after just a few months, while others begin to act only after a year.

If we are talking about mortgage lending, then banks go to court after about 3-6 months. This speed is largely due to the presence of collateral, which the financial institution will subsequently be able to sell and return its money.

Repayment of loans allocated for the purchase of cars occurs no earlier than after 4 months. Sometimes the waiting period for banks can reach 1 year.

In order not to be afraid and not to shake, it is better to try to contact the bank yourself, talk about the circumstances, presenting all the necessary evidence. Surely the financial institution will accommodate you halfway.

Sometimes people manage to wait until the deadline expires limitation period on a loan. True, there is very little hope for such an outcome.

Another very popular type of lending among Russians is a consumer loan. Here the following factors immediately influence the speed of circulation:

• amount of debt;
• bank;
• debtor's behavior;
• availability of loan collateral.

Alfa-Bank goes to court for such loans after about 3-5 months after the start of the formation of overdue debt. In some cases, this value can reach more than 1 year.

How to behave to win against the bank?

If the bank has already filed a lawsuit against the debtor, then the person must choose for himself a strategy according to which he will act. There are several options here:

1. Complete refusal to participate in the trial. Taking this position, the debtor must understand that it will be almost impossible to win the case in this case. Uncompromising will become a negative factor.
2. Active participation in court, close preparation for the trial. This will at least reduce the size of fines. During the hearing, you can achieve the most convenient debt repayment schedule. And if it is proven that the bank’s actions were illegal, then the case can be won.

If a person is really determined to win the case, or rather to minimize the amount that he will owe to the bank, he must adhere to the following position:

• We need to act as openly as possible. If you have any questions, you should ask them to credit specialists, consult a lawyer, and under no circumstances avoid communication.
• It is worth seeking advice from a lawyer.
• All supporting documents must be prepared. Even if the arguments may seem insignificant to the person himself, the court can take them into account. Even long-term treatment can have a positive effect on the final decision.
• All checks and receipts must be kept and home records must be kept. This will prove that the borrower stopped fulfilling his obligations for objective reasons that were practically independent of him.
• Any appeal to the bank must be documented. The bank refused to restructure? Be sure to keep a copy of the confirmation note on the application for admission and attach the bank’s response to it.
• When changing the amount of income, you must refer to the Civil Code of the Russian Federation, namely Article 451. Before the court, you should carefully study all the information in order to protect yourself.

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 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.

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 court's decision is based on the expiration of the statute of limitations and the provision of all receipts for loan payments. 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 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 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 credit card alpha bank. 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 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.

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 Getting 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 when applying, insurance was not found. 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. On hotline They just laughed at me. 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.

The loan agreement obliges the borrower to pay a monthly fee of a certain amount in favor of repaying the loan.

If for any reason the money was not transferred to the credit account on time or in full, a debt arises, so the client is forced to pay the accrued penalty.

Sanctions for late payments at Alfa-Bank

Deadlines for depositing a certain amount of money into a credit account equal to the established minimum payment for a specific loan are indicated in the corresponding payment schedule. It is developed individually by the bank manager for each individual borrower.

You can clarify the amount of the payment and the date of its mandatory deposit into the account from an Alfa-Bank specialist during a personal visit to the nearest office or by calling the call center.

If by the scheduled date on credit account the client will not have the required amount of money, for each day of non-fulfillment of obligations the borrower undertakes to pay a penalty. The amount of penalty per day of late payment is 1% of the loan debt.

In addition, Alfa-Bank provides for penalties for the occurrence of overdue loan debt. In case of late payment of the monthly payment, 600–700 rubles are withheld from the client as a fine for violating the terms of the contract.

Similar sanctions are provided for failure to fulfill obligations to the bank by the owner of the credit card.

For example, ALFA-MILES credit card holder Visa Classic undertakes to pay a fine of 700 rubles in the event of overdue debt. Persons who have registered with Alfa-Bank consumer loan, pay 600 rubles as a penalty for late minimum payment.

The amounts of fines, penalties and commissions are determined by the specific tariff plan, chosen by the client when concluding an agreement with the bank.

How to find out the amount of penalties and fines for late payments at Alfa-Bank?

This information You can check with a bank employee at the nearest branch or find out through a call center operator.

If you have already concluded a loan agreement with Alfa-Bank, the necessary information is contained in its text and accompanying documents.

When and how can you pay off your loan or credit card debt?

The missing amount of the monthly payment and the penalty accrued for each day of delay can be paid at any time.

This can be done without deduction of commission fees through ATMs of Alfa-Bank and its partners, Alfa-Click Internet bank, the nearest bank office or mobile app Alfa Mobile.

In addition, you can transfer money to pay off debt through third parties financial organizations, by transferring funds through online services or communication shops.