The concept of a borrower/debtor under a loan/credit is introduced in Article 807 of the Civil Code of the Russian Federation “Loan Agreement”. The borrower is defined as the party to the loan/credit agreement who accepts the money and is obligated to repay it.
Types of bank debtors for loans
Bank debtors can be classified as follows:
- by loan currency - ruble and foreign currency borrowers;
- by type of loan - mortgage, car loan, consumer;
- according to the degree of overdue - from standard, servicing loans on time and in full, to hopeless, in terms of repayment of loans taken;
- by age, region, professional affiliation.
How many loan debtors does each bank and the Russian banking system as a whole have - information that can hardly be called open and accessible. According to expert estimates, problem debt for individuals at the beginning of 2015 increased by 52%. In particular, the Bank of Russia notes that the number of borrowers on outstanding mortgages as of January of this year was approximately 25 thousand.
Rights of loan debtors
Standard rights include:
- the right to information about the full (effective) loan rate;
- the right to choose a loan repayment method - annuity or differentiated payments;
- the right to early partial or full repayment without commissions or penalties - provided by most banks;
- a number of financial institutions, for example OTP Bank*, make it possible to choose a convenient date for monthly payment (paid service);
- the right to receive a certificate of no debt after full repayment of the loan.
From July 1 of this year, Russian borrowers - bank debtors - received a number of significant additional rights. Federal Law No. 476-FZ of December 29, 2014 introduces the bankruptcy procedure for an individual in Russia.
Now the client can be declared insolvent and receive legal protection from the creditor if he applies to a court of general jurisdiction if the following conditions are met:
- The total amount of debt exceeds 500 thousand rubles.
- The period of overdue payments is three or more months.
In this case, the court for loan debtors may be an ordinary district or city court at the place of residence.
It should be noted that the borrower can sue for less than 0.5 million rubles. debt if there are compelling arguments that it cannot service such debt. An obligatory participant in bankruptcy cases, in addition to the creditors and the debtor, is the financial manager for the loan transaction, approved by the arbitration court.
Loan debtor databases
Official databases related to bank borrowers are presented on the website of the Federal Bailiff Service 
(FSPP) in the “Information Systems” section.
The following search directions for enforcement proceedings are available to visitors:
- Data bank (public segment).
The first database allows you to find information about an individual by entering the region of residence, full name and date of birth. You can search by enforcement case number. The register operates based on the region, the last name of the loan debtor, his first name and patronymic. An advanced search function is possible.
Among the non-state databases of debtors, one can note the information resource “Credit and Debt Network”.
The search service has the following sections:
- general base;
- list of loan debtors - data on individuals;
- information on legal entities;
- alimony debtors;
- debtors from the FSPP register and those for whom there is a court decision.
Loan debtors website
The above information resources are intended primarily for creditors. Their goal is to find problem borrowers. The debtors' website solves the opposite problem. This is a web resource designed to help a borrower in a difficult situation.
What a visitor can learn:
- thematic news;
- reflection of the topic of debtors in social networks;
- advice on counteraction;
- relevant legislation;
- tax debt verification service;
- how to create a credit history and work with it.
Separate sections include registers of debtors and advice useful in servicing credit debt.
The role of NBKI
The largest Russian bureau is NBKI. The National Credit Bureau has the largest database in the country. It is with this bureau that credit and financial institutions of the Russian Federation closely cooperate at all stages of working with the borrower - from his application for a loan to full repayment of the debt or the emergence of a problem situation. Your consent to transfer data to BKI is an indispensable condition for issuing a loan. What NBKI can offer to an individual borrower:
- information about what a credit history is and why it is needed;
- the opportunity to check and challenge your story;
- credit history code;
- necessary certificates.
- If you have problems servicing your debt, try to find a common language with the bank's credit specialists. Be honest about your situation and ask for advice.
- Offer a reasonable mechanism for debt restructuring, credit holidays (deferment of payments on the “body” of the loan) or currency replacement (for a foreign currency loan).
- Check with the bank about the full debt as of a certain date - the amount of the principal debt, current and overdue interest, commissions, fines and penalties.
- Pay at least some amount to repay the loan.
- Be prepared for the creditor to go to court. Weigh your chances in this situation with a lawyer.
- Get ahead of the bank if your debt parameters qualify for bankruptcy. Get legal advice, incl. and in court at the place of your registration - district or city.
Clients of Eastern Express Bank at any stage of cooperation may wonder how to check the status of their credit account. Undoubtedly, today the bank warns its borrowers in advance about the need to make the next payment, indicates the amount to be paid and the date according to the payment schedule. But sometimes the borrower may be faced with such a question, for example, if he did not receive an SMS message or changed his phone number and did not have time to notify the lender about it. Let’s answer the question of how to find out the debt on a loan from Orient Express Bank.
Orient Express Bank: official website
How to check the amount of debt online
Oriental Express Bank may not be the largest bank in terms of assets, but nevertheless, over the many years of its existence it has acquired a huge number of borrowers. The main reason for this is a loyal attitude towards clients, even those who do not have the best credit history. Moreover, the main specialization of a credit and financial organization is lending and attracting deposits from individuals.
However, let’s return to the question of how to find out the balance on a loan from Orient Express Bank via the Internet. For existing bank clients, there is only one way to check loan debt online - using your personal account. If you have taken out a loan from Vostochny Bank, then you have the opportunity to use Internet banking on the bank’s official website. First, you must receive information to log into your personal account, then you can monitor the status of your credit account at a time convenient for you. To do this, you need to open the “Loans” section and click the “Loans Information” link.
Please note that Orient Express Bank offers a mobile version of Internet banking - mobile banking. This is an application for mobile devices.
other methods
In fact, there are many ways to check loan debt. Let's briefly look at all of them:
- You can contact any branch of Orient Express Bank and check with the operator about the debt on your loan.
- Call the hotline number 8 800 100 7100 and check with the operator for all the latest information; by the way, do not forget that you will need an identification document and the number of your loan agreement.
- Use SMS banking, in order to check the status of your credit account, dial the command “DEPOSIT” and send to number 7243 or +7 903 767 22 50.
Thus, at any time of the day, you can check all the information on the loan, in particular, the size of the next payment, the total balance of the debt and the amount for early repayment. By the way, if for some reason you cannot pay the entire amount to pay the next payment in a lump sum, then use the credit holiday service, which allows borrowers to postpone the payment of the principal debt for a period of one to three months.
Very often, a borrower who has outstanding obligations on a bank loan needs to clarify the actual amount of debt to be paid. Many financial institutions provide their clients with a number of interchangeable options that allow them to quickly, accurately and reliably check the current debt on a previously issued loan. Orient Express Bank is no exception. You can find out the debt on a loan issued by this organization in several ways available to every consumer of borrowed funds. These options should be considered in more detail, examining the features of their practical application.
Borrowers often ask when contacting Orient Express Bank how to find out the loan balance, doing this with minimal time, maximum convenience and confidence that the information received is true. The bank offers the debtor five real opportunities to find out the balance of the unpaid debt on the loan.
Online banking
Most large banks allow their clients to successfully and quickly resolve all issues that arise via the Internet. We are talking about online banking. It should be noted that this option has been very popular among consumers of Orient Express Bank for quite some time. But how can you find out your loan balance online?
The following procedure is provided:
Phone call
A convenient option is to call the bank’s hotline number.
A client who wants to quickly clarify the situation with an unpaid loan debt, as well as solve a number of other tasks and problems, just need to dial 8-800-100-71-00.
Next, contact will be established with the operator, who will properly identify the borrower, clearly establishing his identity. Then an authorized employee of the institution will respond to the client’s telephone request, answering in detail all his questions in the established connection (call) mode.
SMS notification
You can also clarify your credit debt through the SMS notification service provided by Orient Express Bank. To do this, the client should carry out the following procedure:
- Compose an SMS message containing the keyword “RESIDUE”, followed by the last four digits of the plastic card.
- Send this message to the short service number 7243.
- After some time, the necessary information will be provided to the borrower with a response notification via SMS.
Visit to the office of a credit institution
This method of clarifying the situation with an outstanding loan is considered the simplest, since it does not require the use of any technical means. In addition, a borrower’s visit to a bank branch will allow him to more thoroughly resolve all issues and problems, since he will have the opportunity to communicate live with the manager, familiarize himself with paper documents, and devote more time to the conversation. This option is the best for clients who tend to trust only the information that was obtained during live communication.
The debtor should check the address of the nearest bank office and visit it, taking with him a civil passport and his own copy of the loan agreement. The documents you brought will need to be presented to the manager of the institution to identify yourself as a borrower. After this, the bank employee will provide all the necessary information.
Self-service terminal (ATM)
These devices are designed for the bank client to conduct financial transactions, as well as clarify information related to the plastic card. The terminal (ATM) allows, for example, to find out the current balance of the card, as well as check the existing debt on the borrowed loan.
1. Today I received an SMS message stating that funds were collected from my account at Sberbank Express Credit LLC in accordance with the court order of MS SU No. 2 of the Ivolginsky district of the Republic of Buryatia, although there is no information on this case at all on their website: http://ivolg2 .bur.msudrf.ru/modules.php?name=sud_delo&op=hl, although my case is missing on the site when searching from 09/02/2019 and there is no information at all. Previously, there were no SMS or calls, etc., about a summons to court for a hearing of the case. When I log into the Sberbank-Online application, one of my cards shows the “seized or seized” icon. The amount collected was 4225.40 rubles. The balance of the debt is 22,472.64 rubles. Reason: court order No. 2-2570/2019 dated 09/02/2019. The amount left in the account is 1306 rubles. Now I don’t know how to reach my salary with this amount in the middle of the month, I have small children and a wife on maternity leave. When I called Express Credit, they answered that they were a collection agency and that they were collecting overdue debts and that I had a debt from Eastern Express Bank in 2014. There was a debt, I paid it off little by little, although I did not pay it completely due to financial insolvency that year. What to do and how to proceed? Thanks a lot.
Lawyer Boldyrev R.I., 4004 answers, 2254 reviews, on the site from 07/26/2017
1.1. Hello!
You need to send a petition to the court to restore the deadline and an objection to cancel the court order.
2. I took out a car loan from Uniastrum Bank for 480 thousand, paid for 2 years, then it was not possible. In 2016, they filed a lawsuit to recover the car (debt of 540 thousand). Nobody warned me about the trial. The court's decision was in favor of Uniastrum Bank. Now the bailiffs are in debt. All these years there was silence. Uniastrum Bank went bankrupt and recently they started calling me from Eastern Express Bank like my debt is with them and I already owe them 880 thousand. I saw in my credit history that they repurchased the debt in 2017. I went to the bailiff and she said send them to me and don’t pay attention, don’t pick up the phone. The bailiffs want to put the car up for auction. I already paid them 67 thousand, but they said that they would send it for sale anyway. And with the Orient Express, how can I not pay attention when we are talking about such a sum. In response to everything I say, they don’t care about the court’s decision, it doesn’t apply to them and they have the right to charge interest. Please help me what to do. I’m sorry to the point of tears, but I already agree to give up the car, but how can I solve the problem with the new bank? They didn’t send any documents and I didn’t sign anything.
Lawyer Kaledin V.S., 9 answers, 3 reviews, on the site from 10/31/2019
2.1. Elena, good afternoon! If Vostochny Bank is the legal successor of Unistream Bank, then you need to write an application to Vostochny Bank so that they provide documents that they have the right to demand the loan debt from you. If they tell you about it, write a statement to the prosecutor's office.
If you have passed the trial, then, according to the law, the bank is no longer looking for the debt from you, but the bailiffs are collecting it, and the accrual of interest and penalties is also suspended, because. According to your question, the loan agreement was terminated and the bank foreclosed on the car. Oriental Express Bank does not have the right to collect money from you. But you still need to familiarize yourself with the court’s decision in order to give you full advice on your issue.
Lawyer Kolchev A.K., 70 answers, 24 reviews, on the site from 10/11/2019
2.2. Have you considered bankruptcy proceedings? No matter how good the car is, it won’t cost much through the bailiffs (unfortunately), and your debt will remain hanging.
If I give you a humanly and not entirely legally correct advice: “drive away” the car, then purchase it through an attorney’s auction (through friends), restore it and sell it.
Naturally, hand over the car without keys, title, or plastic.
Lawyer Soldat S.V., 3997 answers, 2687 reviews, on the site from 01/22/2018
2.3. Hello, Elena! The court's decision can be overturned. Read more in my article “How to cancel a court decision in a case of debt collection under a loan agreement”
3. Loan from the Eastern Bank from 05/02/2014 to 05/02/2017. The loan was paid unsystematically, with the formation of arrears. The bank filed a lawsuit for the amount of principal and accrued interest, indicating the formation period from April 3, 2015 to December 8, 2016. The amount awarded by the court was paid in full. At the moment, when contacting the bank, it turned out that there was a debt on
- total overdue loan debt - 0
- penalties/fines - 0
- interest on overdue loan - 78164.84
How to act in this situation:
- pay the bank again, drawing up a new payment schedule
- wait for the bank to file a lawsuit, it is possible to reduce the accrued amount
- file a claim to terminate a loan agreement or reduce debt?
How to stop the growth of interest on an overdue loan and is it even possible to write off this interest? Thank you!
Lawyer Emelyanenko N.Yu., 1061 answers, 553 reviews, on the site from 11/02/2016
3.1. Good afternoon You need to terminate this agreement. If the bank does not accept the application, then go to court.
4. I took out a credit card from PJSC KB VOSTOCHNY on July 16, 2018, I made the last payment on February 10, 2019, after which I stopped paying! On July 12, 2019, the bank filed a lawsuit with the balance of the unpaid amount with interest. Collection is already underway from my accounts in their favor, but today the amount of debt in the mobile application is increasing. To my question, the bank employee replied that the credit card does not have an expiration date and they will regularly submit claims for a larger amount until I return to the payment schedule! The validity period is specified in the agreement: The loan repayment period is on demand; The validity period of the credit limit is during the term of the agreement. How legal is this?
Lawyer Sliva E. O., 34 replies, 20 reviews, online since 10/22/2019
4.1. If the Bank demands to collect from you the amount of credit card debt, including interest, then this debt is fixed. And you will have to pay it back in the fixed amount.
"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"
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”.
Sincerely, lawyer in Moscow - Stepanov Vadim Igorevich.
19. I took out a loan from an eastern bank, took out 173,000 along with insurance, 57,000 was spent on repaying the previously taken loan and I received 104,000 in my hands, a loan under an agreement at 23.9%, I paid 4 months for 6,000, as a result, today the total debt is 199,000. Just like them They tell me that before the end of the year I will only pay insurance and the main debt will stand still. Although, when lending, they assured me that insurance of 20,000 was already included in the amount of 173,000, but in the end, what happens is that I will now give them 72,000 in a year and then over another 4 years, 6,000 for the loan itself. I do not agree with these terms. Please advise what should I do in this situation, I plan to stop paying altogether because in this case I will only pay through the court the amount that I took.
19.2. Request written explanations from the bank.
20. Please tell me, this is the situation. I am registered in my mother’s apartment, but I live in another place, today at 8 pm the bailiffs came, my mother opened the doors, they began to explain to her that I have a debt to the Eastern Bank in the amount of 161,000 rubles and I have no more debts, but I am looking at them website, I have 2 other debts displayed, but this particular debt for which they came is not. Maybe they just didn’t put it into the system or is it not a thing at all? They also said that they were making concessions to me, if I paid, then the debt would be much less, not 161,000, but 107,000 rubles. And tell me what they can do for me? What measures should I take if I don’t own anything?
Lawyer Kolkovsky Yu.V., 100689 answers, 46982 reviews, on the site from 07/05/2015
20.1. I think they were collectors, you shouldn't PAY them ANYTHING.
Sergey Yuny Barmaleikin, 15890 replies, 858 reviews, on the site since 10/25/2011
20.2. These collectors introduced themselves as bailiffs. Were the bailiffs in uniform? Were there badges on your chest with personal numbers? Mom saw the documents that these were bailiffs and numbers and full name. rewritten? This is how criminals are allowed into the house.
The bailiff has the right to describe the property in the residential premises where you are registered or actually live.
If you are not in the FSSP database, then the summons is fake. Post it on the website or write me a private message.
24. I am not a client of Eastern Bank. My friend is a client of an eastern bank and gave them my phone number without my consent. Now they are calling me and demanding that I repay the debt. But when he took credit from them, no one called me. Can I sue them in this case? That they get on my nerves.
Lawyer Astsatryan N.V., 41,725 answers, 23,573 reviews, on the site from November 24, 2016
24.1. Yes, you can go to court.
Lawyer Loshkareva I.V., 5502 answers, 3155 reviews, on the site from 10/31/2017
24.2. Hello, yes, you have the right to sue. All the best to you!
Lawyer Maksimov M.V., 22010 answers, 12939 reviews, on the site from 09/15/2016
28.2. No, if you gave your consent to the bank to write off funds without acceptance. You can try to challenge the write-off in court, but the practice is ambiguous, Part 1 of the Civil Code of the Russian Federation, Part 3 of the Civil Code of the Russian Federation, Part 4 of the Civil Code of the Russian Federation
"Civil Code of the Russian Federation (Part Two)" dated January 26, 1996 N 14-FZ (as amended on July 29, 2018, as amended on July 3, 2019) (with amendments and additions, entered into force on December 30, 2018 )
""Civil Code of the Russian Federation Article 854. Grounds for writing off funds from the account
(as amended by Federal Law dated July 26, 2017 N 212-FZ)
(see text in the previous “edition”)
""1. The bank debits funds from the account based on the client’s order.
""2. Without the client's order, debiting funds on the account is permitted by a court decision, as well as in cases established by law or provided for by an agreement between the bank and the client.
"Open the full text of the document"
Lawyer Stepanov V.I., 36189 answers, 15922 reviews, on the site from 10/15/2011
28.3. I advise you to read the forum threads on this issue:
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.
Sincerely, financial lawyer – Stepanov Vadim Igorevich.
29. How to achieve restructuring at Vostochny Express Bank. I have already been denied 3 times, even wrote an appeal to the bank. I'm on maternity leave. At the time of applying for the loan, the manager said that I needed to come back in 3 months, and the bank would reduce my payment, and only on these conditions did I take out the loan. My minimum payment is 8,000, of this money I pay the principal, only 1,000 of the rest is interest. Now, due to the fact that the bank is not happy with something, I have a late payment. Now, as I understand it, you have to wait until the collectors start calling and threatening. I don’t understand when you want to pay, the bank doesn’t make concessions. There are people who don’t pay and don’t intend to repay their loans. And then you just ask for a smaller payment amount. After all, I will definitely go to work and will be able to pay most of it. Tell me what to do? What to do next?
29.1. Hello! As an option, refinance with another bank.
30. I closed my loan at Oriental Express Bank in December 2018 ahead of schedule. Now, six months later, they are charging me a debt. I can sue the bank.
Law firm LLC "Helios", 12588 answers, 7097 reviews, on the site from 03/01/2019
30.1. Hello! Yes. there are reasons.
