That is why we have collected most basic information on this subject, creating a kind of compendium. Here are the answers to questions you are not ashamed to ask, but they are more often addressed by Google than a person close to you.
Everything that matters most in terms of debt; this is what you can learn from the following guide:
There are quite a lot of questions about debt, mainly because many people fall into the so-called a credit loop , losing control over the scale of your debt.
Some psychologists even begin to talk about addiction to credits and loans , in which another moment or another credit play the role of the next dose, temporarily relieving the pain, but in fact plunging even more.
” How much exactly did I borrow and from whom? “This question prompts you to ask yourself more, more detailed. And they finally fall, because after a while, almost every person in such a situation experiences a kind of “awakening”.
Sometimes, in the case of really substantial debts, people go abroad to start with a “clean card”, but after returning to their homeland after years, it turns out that this one does not greet them as completely clean …
Most of the debtors are leaving just to collect a lot of savings and finally cover their debts . What if they already have these funds and are ready for it? It turns out that it is not so easy.
So they face the search for answers to many questions. Not only such circumstances motivate to deepen the subject of debts.
Bank or out -of-bank … never mind. All claims are to themselves that they can not stand laziness. That’s why they do not hang around, but they change owners. When it comes to banks, these are ballasting long-unpaid and / or bad debt portfolios by selling them to securitization funds .
As a result of this procedure (ie the so-called assignment of claims), the owner is thus changed, but … not the debt itself. Therefore, the said funds rent debt collection companies and law firms, and sometimes, if they do, they harness their own work.
This work is an attempt to recover the debt, and thus requires looking for debtors. From time to time it works out whether they will not be “reachable” thanks to bailiff executions . Such working institutions charge interest (statutory). In this way, they somehow invest, waiting all the time for a signal from the indebted person.
What is paradoxical, the prospect so watched may just be thinking about what is going on, what is its situation – and it looks just like we described it. He also heads over how to check the level of his debt and to whom he must give back.
Of course. This does not pose great difficulties, although appearances may say otherwise. If only the debt has not been redeemed (and thus, “metamorphosis” in the journal entry), we will surely quickly see the right track.
However, we must point out that the limitation period for debt is not the same as its redemption, although many people mistakenly think so. Statutory limitation of debt does not annihilate it, but only affords the debtor the right to defend against a court order for payment. Raising the claim of limitation is then effective. This, however, does not cancel the claim , and in practice … delays in paying off the debt .
Anyway, in the case of a long separation from the home market, the debtor must determine later who is the creditor. Unpaid loans, credit cards and all other banking products are waiting to be found.
As for the most known, each of us can receive a personal report. It will be necessary to set up an account in the Credit Information Bureau . For it to be successful, we will be required to confirm your identity. This procedure can be used to send a scan of an ID card, a letter sent by Poczta Polska or submission of an electronic signature.
Of course, the fastest and most effective way to enrich your application form is to scan the above-mentioned document, although for security it should be crossed out with an annotation entitled “a copy for personal report “.
In the next steps we will give you the number of your bank account and we will make a transfer for identification. When all this is done successfully, we will receive a text verification code that authorizes us to review various products.
Just enter the obtained code in the User Panel – this step will open access to the possibility of ordering a report regarding the repayment of obligations, activation of the Alert, as well as the service of storing the ID card.
We will also open the option of ordering a full report, including twelve “subreports”, in a set with additional services. Anyway, we will be informed about the details on a regular basis; the above-discussed activities are all that needs to be done to see if we are in and “as we are”.
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Easy – if the debt passed to the stage of debt enforcement execution , the bailiff certainly informed us about it using the appropriate letter (See the patterns of letters for the debtor ). If he did not send it, he knocked on our door. Therefore, in our absence, he left without a doubt many letters and letters, out of which we will find out exactly what our debt is.
If, for some reasons, the last letter is not the most recent date, and the level of indebtedness is suspiciously low, we can easily find the right information in the letters that will help us contact the bailiff and find out directly what our current debt looks like.
The National Debt Center (NCD) is a platform that gives creditors the opportunity to add debts and sell them. However, it is not only available to creditors. Each of us can have an insight into it and see if our debt is on the register of this platform.
Such verification takes place in an easy way and is completely free – it simply requires entering your data and all the information we need, will show us and will dispel your doubts. Not only that, if we issue our debt for sale, we can withdraw this offer from the register of the National Debt Center for a fee.
The platform also has an educational dimension – it provides publications rich in precise advice that help debtors get out of their state and, consequently, that the label “debtor” gets stuck away from them.
Each year ends with banks sending confirmation of account balances for the purposes of financial reporting and settlements with tax authorities. Thanks to this, we have the opportunity to find a bank where the deceased took out a loan.
There are institutions that can help with the debts of the deceased loved one. You can verify if it appears in the registers. The institution stores information about personal data, as well as regarding liabilities to banks and credit unions.
The latter are information such as, for example, the type of commitment, date of its creation, repayment date, currency, information on debt or timely repayment.
All this information collected talks about any credit accounts that run or run banks or credit unions. We will learn not only about receivables serviced fairly, but also about those that were repaid, for example, by default or were not repaid at all. This is a potentially positive or negative story.
Consequently, it is necessary to submit an application to the Customer Service Center that will contain the deceased’s data. They include name / surname, last name, PESEL, last registered address, series and number of ID / passport.
We must attach to this application a copy of the death certificate and, additionally, a copy of the court order which states about the acquisition of the estate.
However, it may also be an act of proof of inheritance – in the form of an original or a copy certified for compliance, for which a notary is responsible. All of these documents must be submitted in person or by mail.
How to check the debt of a private person? – there is probably nothing simpler, if we have all of its data, whose equivalents about ourselves we know perfectly well. So it is possible, for example, when it comes to a person close to us.
Then actually all the methods described above will bring us to the knowledge in an obvious way; it is enough that we use the data in the same way. However, the problem is that the most frequently asked question is asked by employers. Employees, in turn, wonder whether employers have such a right at all. We will try to clarify this matter.
The employer is not able to obtain information of an economic nature that would concern his employee. The institutions does not provide such a possibility, as the law does not provide for the option of processing such personal data.
However, there is an exception – when an employee performs work on the basis of a contract-order, the employer is entitled to apply for access to such information about the contractor, and the latter does not even have to give his consent.
So how to answer this question in the most general terms? When we ask ” how to check other people’s debts “, the question “can we do it”?
Well, in this matter ethics and law remain in a rather strange relationship. The National Debt Register requires giving the first and last name, address of the place of residence or delivery, PESEL or other number which confirms the identity of the person, as well as the series and number of the ID card or other document which is to confirm the identity.
So let us leave this subject for consideration – at the end we can add that if an employee working on a contract is aware of the legal status described here, he should agree with the employer on this specific issue and determine what should regulate his contract in this respect – order.
If the employee stipulates that he does not authorize the employer to make such an inspection, in the event of violation of the terms of the contract, the law will be on the part of the mandatary.