Do you have a PrivatBank credit card, but you don’t know how to find out your current debt? It's actually very simple, especially since there are several ways. Choose the most suitable one and always be aware of your financial status. Let's take a closer look at each of these methods:
Using the Internet bank Privat24
It’s very simple, if you are reading this text, it means you have the Internet and you can go to Privat24 and see the debt on your card. After logging into Privat24, select the “My Accounts” tab in the top menu, and then select your credit card. You will see information on your card, including debt.
If you have never used the Privat24 system before, you will first have to register.
In the Privat24 mobile application
Launch the Privat24 mobile application on your smartphone, select the desired card and see the amount of credit used.
Using SMS banking
All Privatbank cards are automatically connected to the SMS banking service. This service is free. To get your balance (and debt), send the last four digits of your card to 10060. In the reply message you will receive the information you are interested in.
Using an ATM
Use any ATM of the PrivatBank network, insert your card and follow the instructions on the screen.
Using a self-service terminal
You can also find out your credit card debt using a self-service terminal. Just like with an ATM, you need to insert your card and follow the instructions.
By phone
Call phone number 3700. Calls to this number are free.
At the cash desk of a PrivatBank branch
You can contact any PrivatBank branch cash desk. This is the most inconvenient way, since most likely you will have to stand in line. It is much easier to use an ATM or terminal in the same branch.
Debt repayment
You can pay off the debt all at once or in parts. If you pay the debt in installments, it is useful to know the following information: the minimum payment is 5% of the total debt, but not less than 100 hryvnia per month. Also keep in mind that the loan fee is charged to the credit card at the end of the month.
- If I paid off a debt in a private bank and it has now formed again, is it worth paying it off?
- Binbank bought the debts of Privatbank, interest should accrue on credit cards.
- Do I need to repay the principal debt on a loan from a B&N bank if I took it out from a private bank?
- The debt to Privatbank is 100,000, do they need to be paid to B&N Bank?
- Debt on a loan to Privatbank.
- Privatbank credit card debt
- Debt on a loan from Privatbank
Questions
1. If I paid off a debt in a private bank and it has now formed again, is it worth paying it off?
1.1. If you have repaid it once, then there can be no debt.
1.2. not necessary until the court's decision
1.3. Good evening. First, find out where it was formed from.
1.4. Hello! Contact the bank to clarify the situation, take a certificate of the first repayment and closure of the loan.
2. Binbank bought the debts of Privatbank, interest should accrue on credit cards.
2.1. It is a question or a statement? Credit cards are always charged interest by any bank.
3. Do I need to repay the principal debt on a loan from a B&N bank if I took it out from a private bank?
3.1. Hello! necessary if you have been provided with documents confirming the transfer of debt.
4. The debt to Privatbank is 100,000, do they need to be paid to B&N Bank?
4.1. Which B&N Bank exactly? There is Binbank, and there is Binbank credit cards. Absolutely two different legal entities. If the lender indicates “Binbank credit cards,” then this is normal, since Privatbank clients are now serviced by them. In any case, it is better for you to clarify the information directly with the bank itself.
4.2. Yes, they should, since BINBANK is the legal successor of PrivatBank.
Lawyer in Kursk Nikitin Oleg.
Changing the terms of the employment contract determined by the parties, including transfer to another job, is allowed only by agreement of the parties to the employment contract, except for the cases provided for by this Code. An agreement to change the terms of an employment contract determined by the parties is concluded in writing.
13.2. The order is canceled without explanation, with the wording: I DO NOT AGREE WITH THE COURT ORDER.
14. I had a loan from Privatbank. The bank ceased to exist in the Russian Federation. Transferred my rights to B&N Bank. But B&N Bank also disappeared. Now Otkritie Bank is demanding that I repay the debt. But the bank did not notify me about the transfer of rights to my loan. I didn't receive any letters. Only an SMS saying that I owe the bank an opening. Can I, according to Art. 385 of the Civil Code of the Russian Federation to fulfill an obligation to a new creditor?
14.1. Request in writing from the new creditor all documents for transferring the debt. He must provide. Before this, you have the right not to fulfill your obligations under Part 1 of Art. 385 of the Civil Code of the Russian Federation.
15. I took out a credit card in 2013 from PrivatBank and stopped paying in December 2014. Bin Bank started demanding the debt from me. They said that PrivatBank had changed its name to Bin Bank. I didn’t receive notifications about the changes. At the moment, the regional collection service is writing and calling, working under an agency agreement with a collection agency. the company Svea Economy Cyprus Limited says they owe more than 200 thousand rubles, they sent a letter of guarantee by email and offer to pay 16,000 after payment they promise to send a certificate of no debt to the court they did not submit what to do, please tell me.
15.1. Sergey, don’t do anything. The statute of limitations has expired - three years. You no longer owe anything to anyone. The only thing is to track the court website using your registration. They will try to collect money from you through a court order. On writs, judges do not look at the statute of limitations.
15.2. Your statute of limitations has expired (Article 196 of the Civil Code of the Russian Federation). If you pay, you will restore the statute of limitations. There is no need to do this under any circumstances. The three-year statute of limitations has already expired (Article 196 of the Civil Code of the Russian Federation). State that you owe nothing and send the creditor to court. Under no circumstances acknowledge the debt, either in word or deed, so that the period of claim does not renew. If you receive a court order, then within 10 days submit an application for its cancellation to the court that issued it. If a statement of claim is filed, then declare the application of the limitation period (according to Article 199 of the Civil Code of the Russian Federation, it does not automatically apply and the court will accept the statement of claim in own production).
15.3. Send a letter to the collector prohibiting communication with you and prohibiting the processing of your personal data. Write a letter to the bank prohibiting the processing of your personal data by third parties. You have the right to file a complaint against the collector with the Federal Bailiff Service for your region, because bailiffs are given the right to maintain a register of debt collectors and conduct proceedings with them.
Don’t even think about paying the bank or collector, because... immediately reset the statute of limitations. Invite the bank to go to court. An agency agreement is not an assignment of the right to claim a debt (assignment), but an agreement under which the bank, for a fee to the collector, has transferred the right to squeeze out a debt from you in the amount of... rubles. and no more.
16. I have a debt on a PrivatBank credit card in Ukraine, I am a citizen of Russia, I have not been there since 2014. And I won’t for another ten years. I have a daughter there, she says the amount has come up to 134,000 UAH. What do you advise me to do, the amount is not affordable for me. Thank you.
16.1. The statute of limitations is 3 years, I don’t know when you took out the loan, but you probably don’t owe anyone anything. With Ukraine it’s a difficult issue: they will introduce martial law, then they will recognize the territories, but they won’t send money there. We sit and wait.:sm_ab:
16.2. Continue to live a measured life and not think about the bad. The legal proceedings have long since passed and the bank will probably not spend money on legal expenses.
How to proceed? In 2012, I took out a PrivatBank credit card for 18,000 rubles (somewhere like that). I paid, but then something went wrong and I stopped paying. In 2014, they called me from B&N Bank, saying that I now had to repay them the loan under this agreement. Now it’s 2019 and I received a court order to collect a debt in favor of a company in the Republic of Cyprus. What to do? Read answers (3)
17. Evgenia Viktorovna!
You are not aware of the latest events regarding the debts of Crimean residents to Privatbank, since they charge us crazy interest... you owed 4,000 UAH, but now it’s 140,000 UAH.
17.1. Hello.
If you write to Evgenia Viktorovna, then you need to do it not in a general thread but in private messages. As for debts to the private bank, they can accrue as much as they want. You can safely refuse payments.
17.2. I don’t know why the question was addressed to me)) We don’t accrue anything to Crimeans and Sevastopol; now, as part of our work with the Depositor Protection Fund, we have started working on a debt write-off program, if you don’t know.
18. Please tell me I took out a loan from Privatbank 9 years ago and still have a debt. Now I have a bad credit history and I can’t get an installment plan or a loan anywhere.. Can I somehow pay off this debt through the court due to the statute of limitations? During this period I did not make any payments and no one bothered me!
18.1. Good afternoon, Nikolay! If you took money from a bank and did not return it, then you were rightfully included as an unscrupulous payer. Even if the loan was written off due to the expiration of the statute of limitations, this does not serve as a basis for not including you in the BKI database. If there was no appeal to the court, you did not declare the application of the statute of limitations, then the debt may still hang on the bank’s balance sheet.
19. The question is, once upon a time I had a PrivatBank credit card. The debt on it remained 42 thousand rubles. Then the bank was closed and that’s it, no information. Several years passed, I received a call from BinBank demanding that I pay 160 rubles on that credit card! In response to my question that I was not notified that the loan had been transferred to them, and accordingly I did not know where to pay, and that they were silent for a couple of years and now it is unknown where such an amount came from, it was said, they wrote in the newspapers, I had to read. So the question is, how can I go to court, that I do not agree with the amount of these fines, etc. And that, obviously, the bank deliberately kept it in the dark in order to increase the debt.
19.1. Wait until the B&B bank files a lawsuit, then write an objection that you do not agree with the amount of the claim.
20. Please tell me, in 2011, my husband took out a loan from a private bank for 25,000 rubles. Initially I paid regularly, then I started having difficulties with money. There is silence from Privatbank and now they are calling from B&N Bank and demanding payment of a debt of 31,000 rubles. The husband asks for a deferment until he receives his salary at the end of the month, they gave him 2 days to pay. There is no one to occupy. They say they will come home. Do they have the right to describe my property if it is not registered with me and we are simply married? Or do parents have the right to describe anything?
20.1. They have no right to come to you at all. You don't have to let anyone in.
20.2. Bank employees have no right to describe anything. They must go to court, then the case will be handed over to the bailiffs and only they can arrest anything. If I were you, I would send them to court, given how long ago the loan was taken, most likely their statute of limitations has already expired; if they declare this in court, the court will refuse them. You need to look at whether there was a payment schedule and when exactly the last payment on the loan was from them and consider the statute of limitations. If you pay for anything now, the statute of limitations will be restored and they will be able to calmly collect everything again in court. It is advisable to contact a lawyer with all the documents for the loan, let them calculate the statute of limitations for you. And there you have to decide whether it’s worth paying or let them go to court.
I had a loan from Privatbank. The bank ceased to exist in the Russian Federation. Transferred my rights to B&N Bank. But B&N Bank also disappeared. Now Otkritie Bank is demanding that I repay the debt. But the bank did not notify me about the transfer of rights to my loan. I didn't receive any letters. Only an SMS saying that I owe the bank an opening. Can I, according to Art. 385 of the Civil Code of the Russian Federation to fulfill an obligation to a new creditor?
21. In 2013, I still had a loan debt from a private bank, since 2013 I haven’t paid anymore because the bank didn’t bother me. Today they called me from the Everest company demanding payment, should I pay something, it seems that all the deadlines for the demand have already expired.
21.1. Hello, Ekaterina!
Don't pay anything. Wait for the statement of claim to be filed in court and there file an objection about the expiration of the statute of limitations.
21.2. Now it’s better not to pay anything. The statute of limitations has either completely or mostly expired, especially since it is unclear who they are. Let them go to court, then they will need to look at the documents, who they are, what grounds there are to demand, and consider the statute of limitations. Try to go to the post office once a week, find out about letters addressed to you, don’t miss the main letter to the court, you need to declare the statute of limitations in court, otherwise the court will satisfy everything.
21.3. Let him say what he wants. There will be registered letters with notification of the assignee, sales of debt under an assignment agreement with “live” signatures, “wet” seals, then just take note. Ask to go to court and write them a letter demanding that they stop processing your personal data.
For study and application - Federal Law "On the protection of the rights and legitimate interests of individuals when carrying out activities to repay overdue debts and on amendments to the Federal Law "On microfinance activities and microfinance organizations" dated 07/03/2016 No. 230-FZ. :sm_ag:
22. I had a debt to Privatbank, Binbank demands repayment of the debt through the court, I received a letter from the magistrate, but I do not have an agreement with Binbank, Binbank did not officially notify me of its acceptance. I consider B&N Bank to support the terrorist regime of Ukraine, which qualifies as treason. What should I do? The bailiffs have nothing yet.
22.1. Good afternoon.
Most likely, a court order was issued; it is issued without summoning the parties and without trial. You have the right to cancel this Court Order. To do this, you need to write your objection and send it to the court that issued the Court Order. If everything is done correctly, it will definitely be cancelled. It is imperative to cancel the Court Order, otherwise you will get a debt that is not clear by whom and how it was calculated. Just don’t try to cancel the Court Order yourself. If you make a mistake, there will be nothing you can do to correct it! Contact a lawyer on our website personally, he will help you draw up such an objection to the Court Order and give the necessary explanations.
22.2. Try to have the court order quashed by the magistrate.
23. On the Privatbank credit card, there was a debt of 4,000 at the beginning of the ATO in Lugansk. The credit card expired on 02.2016. The amount was 115,000. UAH. they call and threaten.
23.1. Good afternoon, Nadezhda! Ask to introduce yourself to who is calling, your full name, what position you hold and in what organization. Send it to court to prove your right to collect money. It may be that the calls are from scammers who have illegally obtained a database of debtors.
24. They call me and threaten me from the third party for a private bank card. There was a credit card for 1000 rubles. I thought I had repaid everything because Privatbank was closed, I didn’t close the card, but now they demand 9,500 rubles until November 19, 2018 and threaten to increase the debt.
24.1. Good evening! Binbank became the successor to Privatbank. Say that you will write a statement to the police under Art. 163 of the Criminal Code of the Russian Federation, for extortion. Send them to court. When was the last card payment made? Maybe the statute of limitations has already passed.
25. I have this situation. In 2008, I took out a credit card from a private bank and paid as expected using the card number until 2015. After the card expired, I did not receive a new card. In 2017, the bank went to court, and as a result, a court order was issued. I did not receive a copy of the court order, I found out only after the bailiffs seized the accounts at the bank, and I also did not receive any letters from the bailiffs. Every month the bank sent SMS notifications with the minimum payment on the card, despite the fact that the bailiffs already had a court order. Recently, collectors called and said that they already had my debt and demanded that I pay the debt in an amount that was already greater than in the order. How could this be possible? And what should I do better? Pay through bailiffs? And how will the money then go to the B&N bank if they seem to have sold my debt to collectors? I don't want to pay debt collectors. And how can you cancel a court order if the appeal period has passed (a little over a year)? I agree, as a last resort, to pay the B&B bank, but only the amount that I owe, without the interest and fees that they charge me monthly. Help me, please tell me my next steps. What should I do in this case?
25.1. Hello!
In your case, with a competent approach to this situation, you will not have to pay for the loan. The most important thing at this time is to cancel the court order.
Contact us personally for a consultation, we’ll do everything, you won’t have to pay anyone.
26. There was a credit card in Privatbank. I paid the loan for a long time, then stopped. Then Privatbank became Binbank, but this was not notified in writing. Now the court has decided to pay the entire debt to B&N Bank. Is there any point in writing an appeal, or is everything legal?
26.1. Hello Olga!
Surely BinBank provided the court with documents confirming the demand for the loan debt. Therefore, an appeal is unlikely to change anything.
27. On January 9, 2018, I made my first “universal” card in Privat Bank. On January 14, 2018 at 5:11 am, a loan in Maniveo in the amount of 2050 hryvnia is taken out in my name, after 30 minutes the money is transferred to other bank accounts! And now I have received a letter stating that I must repay the debt to Maniveo in the amount of 12,019 hryvnia! How can this be explained? How can you issue loans to people who have only seen your lending company in advertising? How is a loan processed at 5:00 am? How can you issue loans without seeing the person? Where are your signatures and seals? And in the end, where is my loan agreement? My signatures are nowhere to be found! city of Odessa© Freelawyer.ua The fact is that after the letter from Maniveo about the debt arrived, I looked at the statement from the Privat Bank card. And there’s this story: 01/14/2018 06:00 Piggy Bank/deposits *7142 Crediting the deposit amount from the Piggy Bank 20.00 UAH
01/14/2018 06:00 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH 01/14/2018 05:59 Transfers *7142 Transfer from your card - 210.80 UAH 01/14/2018 05:52 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH 01/14/2018 05:52 Transfers *7142 Transfer from your card - 405.00 UAH 01/14/2018 05:46 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH
01/14/2018 05:46 Transfers *7142 Transfer from your card - 405.00 UAH 01/14/2018 05:44 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH 01/14/2018 05:43 Transfers *7142 Transfer from your card - 405.00 UAH 01/14/2018 05:43 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 7.99 UAH 01/14/2018 05:42 Transfers *7142 Transfer to a PrivatBank card via the Privat 24 application. Recipient: Maxim Anatolyevich Polishchuk - 404.02 UAH
01/14/2018 05:14 Piggy Bank/deposits 7142 Crediting the deposit amount from the “Piggy Bank” 21.00 UAH 01/14/2018 05:12 Piggy Bank/deposits 7142 Transfer to your “Piggy Bank” 2601. 1% of receipts. - 20.50 UAH
01/14/2018 05:11 Transfers 7142 LiqPay. Transfer from card to card from 01/14/2018 Payment ID 597757163 2,050.00 UAH.
27.1. Good evening, Maxim! This should be done by the bank's security service and the police. Write written statements, register them and let those who are required to do so according to their job responsibilities investigate. Also write a statement to the bank demanding that the money be restored to your account. No one could use your card while you were on vacation?
28. This is the situation. I took out a loan of 3,500 rubles from Privatbank in 2013. I made the first payment, and then the bank disappeared from the market. There were no notifications. And now letters are coming from RSV LLC demanding payment of a debt in the amount of 22,500 rubles for the debt to B&N Bank. Tell me what should I do in this situation? Thanks in advance for your answer.
28.1. In your case, the statute of limitations has passed since the last payment. You can prepare a claim for them indicating the specified period and so that they don’t bother you anymore. But they can also file a lawsuit; keep an eye on your postal correspondence so that they can write you an objection to the lawsuit or court order in a timely manner.
Best regards, Zhdanov A.
I have not paid the loan from the former private bank since 2015. After he became a beneficiary bank, chaos began. The debt was only growing, not being paid off. It's been about two years since the collectors. They were silent for a long time, and now they started calling my parents on the landline with threats. How to discourage them from these calls? As I understand it, they have no chance in court, the statute of limitations has passed.
Read answers (3)
29. There was a debt to Privatbank, Binbank is demanding repayment of the debt through the court, but I do not have an agreement with Binbank, Binbank did not officially notify me of its acceptance. I consider B&N Bank to support the terrorist regime of Ukraine, which qualifies as treason. What should I do since they started keeping 50% of my salary at work?
29.1. Dear Marianna, St. Petersburg!
The assignment of the Rights of the DEBT CLAIM by the Bank in favor of third parties could be made only after the written notification to you “On the assignment of the right of claim” together with the ORIGINAL AGREEMENT for the assignment of the right of claim with original signatures and “wet” seals, a written notification to you about the assignment of the debt (Article 824 Civil Code of the Russian Federation).
Thus, if you did NOT receive the original Agreement for the assignment of the right of claim, this means that there was NO assignment of the right of claim in favor of third parties.
Therefore, I recommend that you challenge these actions of the bank in court.
Good luck to you Vladimir Nikolaevich
30. The other day I received an SMS from BINBANK demanding that I repay the debt, but I had nothing to do with this bank. I have been living in Belarus for three years now. I begin correspondence with the bank. And I find out that this bank bought the shares of Privatbank and it is from this bank that my debt comes. I actually once took out a loan from Privatbank, but paid it off in full. I ask you to check and they tell me that I repaid the loan in October 2012, but then after two months (in December 2012) I took an account statement, it was paid 100 rubles. and it is precisely this debt that is owed to me. I left the Russian Federation in 2015 and no one filed any complaints against me. What should I do?
30.1. Hello Anna!
In your case, the simplest solution would be to pay these 100 rubles and live in peace. The amount is not so large as to sue, Believe me, you will spend more money and nerves.
- If I paid off a debt in a private bank and it has now formed again, is it worth paying it off?
- Binbank bought the debts of Privatbank, interest should accrue on credit cards.
- Do I need to repay the principal debt on a loan from a B&N bank if I took it out from a private bank?
- The debt to Privatbank is 100,000, do they need to be paid to B&N Bank?
- Debt on a loan to Privatbank.
- Privatbank credit card debt
- Debt on a loan from Privatbank
Questions
1. If I paid off a debt in a private bank and it has now formed again, is it worth paying it off?
1.1. If you have repaid it once, then there can be no debt.
1.2. not necessary until the court's decision
1.3. Good evening. First, find out where it was formed from.
1.4. Hello! Contact the bank to clarify the situation, take a certificate of the first repayment and closure of the loan.
2. Binbank bought the debts of Privatbank, interest should accrue on credit cards.
2.1. It is a question or a statement? Credit cards are always charged interest by any bank.
3. Do I need to repay the principal debt on a loan from a B&N bank if I took it out from a private bank?
3.1. Hello! necessary if you have been provided with documents confirming the transfer of debt.
4. The debt to Privatbank is 100,000, do they need to be paid to B&N Bank?
4.1. Which B&N Bank exactly? There is Binbank, and there is Binbank credit cards. Absolutely two different legal entities. If the lender indicates “Binbank credit cards,” then this is normal, since Privatbank clients are now serviced by them. In any case, it is better for you to clarify the information directly with the bank itself.
4.2. Yes, they should, since BINBANK is the legal successor of PrivatBank.
Lawyer in Kursk Nikitin Oleg.
Changing the terms of the employment contract determined by the parties, including transfer to another job, is allowed only by agreement of the parties to the employment contract, except for the cases provided for by this Code. An agreement to change the terms of an employment contract determined by the parties is concluded in writing.
13.2. The order is canceled without explanation, with the wording: I DO NOT AGREE WITH THE COURT ORDER.
14. I had a loan from Privatbank. The bank ceased to exist in the Russian Federation. Transferred my rights to B&N Bank. But B&N Bank also disappeared. Now Otkritie Bank is demanding that I repay the debt. But the bank did not notify me about the transfer of rights to my loan. I didn't receive any letters. Only an SMS saying that I owe the bank an opening. Can I, according to Art. 385 of the Civil Code of the Russian Federation to fulfill an obligation to a new creditor?
14.1. Request in writing from the new creditor all documents for transferring the debt. He must provide. Before this, you have the right not to fulfill your obligations under Part 1 of Art. 385 of the Civil Code of the Russian Federation.
15. I took out a credit card in 2013 from PrivatBank and stopped paying in December 2014. Bin Bank started demanding the debt from me. They said that PrivatBank had changed its name to Bin Bank. I didn’t receive notifications about the changes. At the moment, the regional collection service is writing and calling, working under an agency agreement with a collection agency. the company Svea Economy Cyprus Limited says they owe more than 200 thousand rubles, they sent a letter of guarantee by email and offer to pay 16,000 after payment they promise to send a certificate of no debt to the court they did not submit what to do, please tell me.
15.1. Sergey, don’t do anything. The statute of limitations has expired - three years. You no longer owe anything to anyone. The only thing is to track the court website using your registration. They will try to collect money from you through a court order. On writs, judges do not look at the statute of limitations.
15.2. Your statute of limitations has expired (Article 196 of the Civil Code of the Russian Federation). If you pay, you will restore the statute of limitations. There is no need to do this under any circumstances. The three-year statute of limitations has already expired (Article 196 of the Civil Code of the Russian Federation). State that you owe nothing and send the creditor to court. Under no circumstances acknowledge the debt, either in word or deed, so that the period of claim does not renew. If you receive a court order, then within 10 days submit an application for its cancellation to the court that issued it. If a statement of claim is filed, then declare the application of the limitation period (according to Article 199 of the Civil Code of the Russian Federation, it does not automatically apply and the court will accept the statement of claim in own production).
15.3. Send a letter to the collector prohibiting communication with you and prohibiting the processing of your personal data. Write a letter to the bank prohibiting the processing of your personal data by third parties. You have the right to file a complaint against the collector with the Federal Bailiff Service for your region, because bailiffs are given the right to maintain a register of debt collectors and conduct proceedings with them.
Don’t even think about paying the bank or collector, because... immediately reset the statute of limitations. Invite the bank to go to court. An agency agreement is not an assignment of the right to claim a debt (assignment), but an agreement under which the bank, for a fee to the collector, has transferred the right to squeeze out a debt from you in the amount of... rubles. and no more.
16. I have a debt on a PrivatBank credit card in Ukraine, I am a citizen of Russia, I have not been there since 2014. And I won’t for another ten years. I have a daughter there, she says the amount has come up to 134,000 UAH. What do you advise me to do, the amount is not affordable for me. Thank you.
16.1. The statute of limitations is 3 years, I don’t know when you took out the loan, but you probably don’t owe anyone anything. With Ukraine it’s a difficult issue: they will introduce martial law, then they will recognize the territories, but they won’t send money there. We sit and wait.:sm_ab:
16.2. Continue to live a measured life and not think about the bad. The legal proceedings have long since passed and the bank will probably not spend money on legal expenses.
How to proceed? In 2012, I took out a PrivatBank credit card for 18,000 rubles (somewhere like that). I paid, but then something went wrong and I stopped paying. In 2014, they called me from B&N Bank, saying that I now had to repay them the loan under this agreement. Now it’s 2019 and I received a court order to collect a debt in favor of a company in the Republic of Cyprus. What to do? Read answers (3)
17. Evgenia Viktorovna!
You are not aware of the latest events regarding the debts of Crimean residents to Privatbank, since they charge us crazy interest... you owed 4,000 UAH, but now it’s 140,000 UAH.
17.1. Hello.
If you write to Evgenia Viktorovna, then you need to do it not in a general thread but in private messages. As for debts to the private bank, they can accrue as much as they want. You can safely refuse payments.
17.2. I don’t know why the question was addressed to me)) We don’t accrue anything to Crimeans and Sevastopol; now, as part of our work with the Depositor Protection Fund, we have started working on a debt write-off program, if you don’t know.
18. Please tell me I took out a loan from Privatbank 9 years ago and still have a debt. Now I have a bad credit history and I can’t get an installment plan or a loan anywhere.. Can I somehow pay off this debt through the court due to the statute of limitations? During this period I did not make any payments and no one bothered me!
18.1. Good afternoon, Nikolay! If you took money from a bank and did not return it, then you were rightfully included as an unscrupulous payer. Even if the loan was written off due to the expiration of the statute of limitations, this does not serve as a basis for not including you in the BKI database. If there was no appeal to the court, you did not declare the application of the statute of limitations, then the debt may still hang on the bank’s balance sheet.
19. The question is, once upon a time I had a PrivatBank credit card. The debt on it remained 42 thousand rubles. Then the bank was closed and that’s it, no information. Several years passed, I received a call from BinBank demanding that I pay 160 rubles on that credit card! In response to my question that I was not notified that the loan had been transferred to them, and accordingly I did not know where to pay, and that they were silent for a couple of years and now it is unknown where such an amount came from, it was said, they wrote in the newspapers, I had to read. So the question is, how can I go to court, that I do not agree with the amount of these fines, etc. And that, obviously, the bank deliberately kept it in the dark in order to increase the debt.
19.1. Wait until the B&B bank files a lawsuit, then write an objection that you do not agree with the amount of the claim.
20. Please tell me, in 2011, my husband took out a loan from a private bank for 25,000 rubles. Initially I paid regularly, then I started having difficulties with money. There is silence from Privatbank and now they are calling from B&N Bank and demanding payment of a debt of 31,000 rubles. The husband asks for a deferment until he receives his salary at the end of the month, they gave him 2 days to pay. There is no one to occupy. They say they will come home. Do they have the right to describe my property if it is not registered with me and we are simply married? Or do parents have the right to describe anything?
20.1. They have no right to come to you at all. You don't have to let anyone in.
20.2. Bank employees have no right to describe anything. They must go to court, then the case will be handed over to the bailiffs and only they can arrest anything. If I were you, I would send them to court, given how long ago the loan was taken, most likely their statute of limitations has already expired; if they declare this in court, the court will refuse them. You need to look at whether there was a payment schedule and when exactly the last payment on the loan was from them and consider the statute of limitations. If you pay for anything now, the statute of limitations will be restored and they will be able to calmly collect everything again in court. It is advisable to contact a lawyer with all the documents for the loan, let them calculate the statute of limitations for you. And there you have to decide whether it’s worth paying or let them go to court.
I had a loan from Privatbank. The bank ceased to exist in the Russian Federation. Transferred my rights to B&N Bank. But B&N Bank also disappeared. Now Otkritie Bank is demanding that I repay the debt. But the bank did not notify me about the transfer of rights to my loan. I didn't receive any letters. Only an SMS saying that I owe the bank an opening. Can I, according to Art. 385 of the Civil Code of the Russian Federation to fulfill an obligation to a new creditor?
21. In 2013, I still had a loan debt from a private bank, since 2013 I haven’t paid anymore because the bank didn’t bother me. Today they called me from the Everest company demanding payment, should I pay something, it seems that all the deadlines for the demand have already expired.
21.1. Hello, Ekaterina!
Don't pay anything. Wait for the statement of claim to be filed in court and there file an objection about the expiration of the statute of limitations.
21.2. Now it’s better not to pay anything. The statute of limitations has either completely or mostly expired, especially since it is unclear who they are. Let them go to court, then they will need to look at the documents, who they are, what grounds there are to demand, and consider the statute of limitations. Try to go to the post office once a week, find out about letters addressed to you, don’t miss the main letter to the court, you need to declare the statute of limitations in court, otherwise the court will satisfy everything.
21.3. Let him say what he wants. There will be registered letters with notification of the assignee, sales of debt under an assignment agreement with “live” signatures, “wet” seals, then just take note. Ask to go to court and write them a letter demanding that they stop processing your personal data.
For study and application - Federal Law "On the protection of the rights and legitimate interests of individuals when carrying out activities to repay overdue debts and on amendments to the Federal Law "On microfinance activities and microfinance organizations" dated 07/03/2016 No. 230-FZ. :sm_ag:
22. I had a debt to Privatbank, Binbank demands repayment of the debt through the court, I received a letter from the magistrate, but I do not have an agreement with Binbank, Binbank did not officially notify me of its acceptance. I consider B&N Bank to support the terrorist regime of Ukraine, which qualifies as treason. What should I do? The bailiffs have nothing yet.
22.1. Good afternoon.
Most likely, a court order was issued; it is issued without summoning the parties and without trial. You have the right to cancel this Court Order. To do this, you need to write your objection and send it to the court that issued the Court Order. If everything is done correctly, it will definitely be cancelled. It is imperative to cancel the Court Order, otherwise you will get a debt that is not clear by whom and how it was calculated. Just don’t try to cancel the Court Order yourself. If you make a mistake, there will be nothing you can do to correct it! Contact a lawyer on our website personally, he will help you draw up such an objection to the Court Order and give the necessary explanations.
22.2. Try to have the court order quashed by the magistrate.
23. On the Privatbank credit card, there was a debt of 4,000 at the beginning of the ATO in Lugansk. The credit card expired on 02.2016. The amount was 115,000. UAH. they call and threaten.
23.1. Good afternoon, Nadezhda! Ask to introduce yourself to who is calling, your full name, what position you hold and in what organization. Send it to court to prove your right to collect money. It may be that the calls are from scammers who have illegally obtained a database of debtors.
24. They call me and threaten me from the third party for a private bank card. There was a credit card for 1000 rubles. I thought I had repaid everything because Privatbank was closed, I didn’t close the card, but now they demand 9,500 rubles until November 19, 2018 and threaten to increase the debt.
24.1. Good evening! Binbank became the successor to Privatbank. Say that you will write a statement to the police under Art. 163 of the Criminal Code of the Russian Federation, for extortion. Send them to court. When was the last card payment made? Maybe the statute of limitations has already passed.
25. I have this situation. In 2008, I took out a credit card from a private bank and paid as expected using the card number until 2015. After the card expired, I did not receive a new card. In 2017, the bank went to court, and as a result, a court order was issued. I did not receive a copy of the court order, I found out only after the bailiffs seized the accounts at the bank, and I also did not receive any letters from the bailiffs. Every month the bank sent SMS notifications with the minimum payment on the card, despite the fact that the bailiffs already had a court order. Recently, collectors called and said that they already had my debt and demanded that I pay the debt in an amount that was already greater than in the order. How could this be possible? And what should I do better? Pay through bailiffs? And how will the money then go to the B&N bank if they seem to have sold my debt to collectors? I don't want to pay debt collectors. And how can you cancel a court order if the appeal period has passed (a little over a year)? I agree, as a last resort, to pay the B&B bank, but only the amount that I owe, without the interest and fees that they charge me monthly. Help me, please tell me my next steps. What should I do in this case?
25.1. Hello!
In your case, with a competent approach to this situation, you will not have to pay for the loan. The most important thing at this time is to cancel the court order.
Contact us personally for a consultation, we’ll do everything, you won’t have to pay anyone.
26. There was a credit card in Privatbank. I paid the loan for a long time, then stopped. Then Privatbank became Binbank, but this was not notified in writing. Now the court has decided to pay the entire debt to B&N Bank. Is there any point in writing an appeal, or is everything legal?
26.1. Hello Olga!
Surely BinBank provided the court with documents confirming the demand for the loan debt. Therefore, an appeal is unlikely to change anything.
27. On January 9, 2018, I made my first “universal” card in Privat Bank. On January 14, 2018 at 5:11 am, a loan in Maniveo in the amount of 2050 hryvnia is taken out in my name, after 30 minutes the money is transferred to other bank accounts! And now I have received a letter stating that I must repay the debt to Maniveo in the amount of 12,019 hryvnia! How can this be explained? How can you issue loans to people who have only seen your lending company in advertising? How is a loan processed at 5:00 am? How can you issue loans without seeing the person? Where are your signatures and seals? And in the end, where is my loan agreement? My signatures are nowhere to be found! city of Odessa© Freelawyer.ua The fact is that after the letter from Maniveo about the debt arrived, I looked at the statement from the Privat Bank card. And there’s this story: 01/14/2018 06:00 Piggy Bank/deposits *7142 Crediting the deposit amount from the Piggy Bank 20.00 UAH
01/14/2018 06:00 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH 01/14/2018 05:59 Transfers *7142 Transfer from your card - 210.80 UAH 01/14/2018 05:52 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH 01/14/2018 05:52 Transfers *7142 Transfer from your card - 405.00 UAH 01/14/2018 05:46 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH
01/14/2018 05:46 Transfers *7142 Transfer from your card - 405.00 UAH 01/14/2018 05:44 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 5.00 UAH 01/14/2018 05:43 Transfers *7142 Transfer from your card - 405.00 UAH 01/14/2018 05:43 Other 7142 Transfer to your “Piggy Bank” 2601. Change from rounding up expenses to 10 UAH. - 7.99 UAH 01/14/2018 05:42 Transfers *7142 Transfer to a PrivatBank card via the Privat 24 application. Recipient: Maxim Anatolyevich Polishchuk - 404.02 UAH
01/14/2018 05:14 Piggy Bank/deposits 7142 Crediting the deposit amount from the “Piggy Bank” 21.00 UAH 01/14/2018 05:12 Piggy Bank/deposits 7142 Transfer to your “Piggy Bank” 2601. 1% of receipts. - 20.50 UAH
01/14/2018 05:11 Transfers 7142 LiqPay. Transfer from card to card from 01/14/2018 Payment ID 597757163 2,050.00 UAH.
27.1. Good evening, Maxim! This should be done by the bank's security service and the police. Write written statements, register them and let those who are required to do so according to their job responsibilities investigate. Also write a statement to the bank demanding that the money be restored to your account. No one could use your card while you were on vacation?
28. This is the situation. I took out a loan of 3,500 rubles from Privatbank in 2013. I made the first payment, and then the bank disappeared from the market. There were no notifications. And now letters are coming from RSV LLC demanding payment of a debt in the amount of 22,500 rubles for the debt to B&N Bank. Tell me what should I do in this situation? Thanks in advance for your answer.
28.1. In your case, the statute of limitations has passed since the last payment. You can prepare a claim for them indicating the specified period and so that they don’t bother you anymore. But they can also file a lawsuit; keep an eye on your postal correspondence so that they can write you an objection to the lawsuit or court order in a timely manner.
Best regards, Zhdanov A.
I have not paid the loan from the former private bank since 2015. After he became a beneficiary bank, chaos began. The debt was only growing, not being paid off. It's been about two years since the collectors. They were silent for a long time, and now they started calling my parents on the landline with threats. How to discourage them from these calls? As I understand it, they have no chance in court, the statute of limitations has passed.
Read answers (3)
29. There was a debt to Privatbank, Binbank is demanding repayment of the debt through the court, but I do not have an agreement with Binbank, Binbank did not officially notify me of its acceptance. I consider B&N Bank to support the terrorist regime of Ukraine, which qualifies as treason. What should I do since they started keeping 50% of my salary at work?
29.1. Dear Marianna, St. Petersburg!
The assignment of the Rights of the DEBT CLAIM by the Bank in favor of third parties could be made only after the written notification to you “On the assignment of the right of claim” together with the ORIGINAL AGREEMENT for the assignment of the right of claim with original signatures and “wet” seals, a written notification to you about the assignment of the debt (Article 824 Civil Code of the Russian Federation).
Thus, if you did NOT receive the original Agreement for the assignment of the right of claim, this means that there was NO assignment of the right of claim in favor of third parties.
Therefore, I recommend that you challenge these actions of the bank in court.
Good luck to you Vladimir Nikolaevich
30. The other day I received an SMS from BINBANK demanding that I repay the debt, but I had nothing to do with this bank. I have been living in Belarus for three years now. I begin correspondence with the bank. And I find out that this bank bought the shares of Privatbank and it is from this bank that my debt comes. I actually once took out a loan from Privatbank, but paid it off in full. I ask you to check and they tell me that I repaid the loan in October 2012, but then after two months (in December 2012) I took an account statement, it was paid 100 rubles. and it is precisely this debt that is owed to me. I left the Russian Federation in 2015 and no one filed any complaints against me. What should I do?
30.1. Hello Anna!
In your case, the simplest solution would be to pay these 100 rubles and live in peace. The amount is not so large as to sue, Believe me, you will spend more money and nerves.
With their help, people make purchases in different countries. They are also used for savings. An attractive feature for many clients is the PrivatBank credit limit. It amounts to 150 thousand rubles. At the initial stage, it is equal for all clients. There are some other advantages:
- simplicity of design,
- no extra fees,
- availability of a grace period,
- choice of repayment methods.
Among the disadvantages are the accrual of penalties and the presence of interest for cash withdrawals.
Privatbank credit card - limit size
The limit is the maximum amount of finance that you have the right to spend. Most often, the amount of money depends on the permitted debt to the bank on the client’s account. The amount depends on the card itself. For example, with a standard PrivatBank credit card you can spend a maximum of 100 thousand rubles, and with a “Golden” card - 150 thousand rubles.
Wages also have an impact. The more money the borrower receives, the larger the amount will be approved. A document confirming the level of wages will also have a positive effect on the amount.
Conditions for obtaining a credit card from PrivatBank
PrivatBank Universal credit card is issued free of charge at a branch of a financial institution or through its official website. In the latter case, you must fill out the form and submit it. Once approved, you will need to pick up the product at your nearest branch. When submitting an application you will need:
- mark the desired loan amount,
- enter a phone number,
- agree to the proposed conditions,
- enter information from your passport,
- fill in the remaining fields.
According to reviews, the procedure does not take much time, so the service of this bank is popular.
The loan terms are as follows:
- The percentage for the Visa payment system is 3%, for MasterCard – 2.5%.
- Total loan cost maximum 39.4%. Subject to repayment of debt with minimum payments.
- Grace period from 30 to 55 days. The chosen payment system is affected.
- Penalties for late payment for a period of more than a month amount to 2.5 thousand rubles. + 5% of debt.
If the loan is repaid during the grace period, but no later than the 25th day of the next month, then no commission is charged for cash withdrawals, transfers and payments for services/goods. In all other cases, you will have to pay an additional 1-5% for withdrawing money from the card. The amount depends on the withdrawal method.
Please note that cash withdrawals from a PrivatBank credit card are subject to interest. If you decide to withdraw your own funds, the commission through ATMs in Ukraine is 1%, and abroad – 2%. But there is no payment for currency conversion when making transactions abroad.
There are a few more nuances:
- In case of delay, an additional amount for debt servicing is charged once a month. The amount is 1%, not less than 400 rubles.
- If you do not use the card for more than three months and have personal money on it, then a commission will be charged. It is no more than 50 rubles.
How to find out the debt on a PrivatBank credit card? There are several options:
Debt repayment can be done immediately or in installments. In the latter case, the minimum payment must be at least 7% per month, more than 50 hryvnia. The loan fee is charged at the end of the calendar month. Therefore, it is important to keep track of the amounts. Otherwise, you will pay off the debt, then interest will be charged, which can lead to the formation of a new debt.
How to close a card?
If you want to find out how to block a PrivatBank credit card, you can use two methods:
- Send a short message to 10060 with the code and the last 4 digits of the card. These actions are enough to block.
- Through ATMs. Enter the “Operations without a card” menu, select “Block card”. then the number is entered and confirmed with a code.
- Another option is to call the hotline number listed above. It is also indicated on the credit card itself.
- If you have lost your credit card and don’t have your phone with you, you can come to any nearest bank branch with your passport. This will allow you not only to block a lost one, but also to immediately issue a new one.
A credit card allows you to use your own funds and the bank’s money. It can receive transfers from various sources. You can pay for any purchases with your card, as well as withdraw cash. The bank offers to take advantage of the grace period. But it does not apply if there is an unpaid debt from last month.
Any citizen over 16 years of age who has a passport can apply for a banking product. Carefully study the terms of the loan before signing the agreement and check for any debts. This will allow you to have a good credit history.
A credit card from PrivatBank is a universal thing that allows you to make non-cash payments for goods and services, store your personal money on the card, transfer to other cards or take out funds on credit from the bank. Moreover, if the loan is not repaid on time, the client automatically becomes a debtor to the bank, and this is not a very pleasant situation for both parties. How to find out the debt on a PrivatBank credit card? There are several ways to do this.
Possible debt, first of all, depends on how conscientious the client is as a borrower. If he pays on time, he cannot have any debt.
But it is important to consider that any Privat credit card requires a mandatory monthly payment. Registration of a standard credit card from Privat provides a grace period of up to 55 days without interest. If the client does not invest during the grace period, in the future the client must pay a regular fee in the amount of not less than five percent of the debt and not less than 100 UAH. In this case, the outstanding debt will be subject to additional penalties.
How to find out debt through Privat24
The easiest way to clearly see how much card debt has accumulated is Privat24 - an online bank. If the client is in it, the procedure does not take more than a couple of minutes.
To find out your debt, follow these steps:
Information via remote banking
You can also obtain information about debt on a PrivatBank credit card in another remote way. Privat offers clients communication via telephone conversation with an operator or SMS commands.
To contact the operator in real time, you need to call one of the numbers: 0 800 500 003 or 3700. Both lines are free and work around the clock. Bank operators are ready to provide detailed advice on any issue of interest, including debt.
You can also get advice via SMS. In order to find out the current main and credit balance on your card, just send a message to the short number 10060, indicating in it last four digits of your card. The response message will inform the client about his account and the debt on the card.
How to find out the debt through an ATM, terminal, or at a bank branch
PrivatBank's network includes tens of thousands of branches and hundreds of thousands of customer self-service points throughout Ukraine. You can get information on your card and/or loan at any of these points.
Finding out your card debt through them is as easy as shelling pears. You don't even need to have a card with you to do this. An ATM or TSO will require your card number (if you don’t have one on hand) and a PIN code, which is known only to the client. After authorization, simply check your current account on the card by following the simple instructions on the ATM or terminal screen. If there is a debt on the card, it will be displayed on the screen.
Finally, you can check the status of your card at any bank branch. To do this, contact a bank employee, providing your card or card number. After this, the bank employee will ask you to enter your PIN.
It is important to remember that PrivatBank employees never require the client to provide a PIN code. Typically, clients enter it themselves at a terminal or ATM, accompanied by an instructor. After this, the current financial situation on the client’s card will become known.
Thus, you can find out your debt on a PrivatBank credit card in one of several simple ways: using remote banking (via the Internet or mobile phone) or at customer service points (ATMs, self-service terminals or bank branches).
It is worth noting that PrivatBank pursues a slightly different policy with debtors in the ATO zone. In the territory of military operations or potential military actions, as a rule, some kind of “benefits” apply to debtors. However, the bank does not have clear rules for operating in such a territory.
