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 quite a lot of 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.
You can clarify information on loan debt at Orient Express Bank if you have the loan agreement number, which is issued by a bank employee upon registration. You can find out the amount for the remaining loan payments in several ways, among which the client can independently choose the one that is convenient for him.
The most obvious way is to contact the nearest bank branch, where a credit consultant will give you all the information and help you calculate the amount of payments before the end of the loan term. To perform operations, you must provide a passport, tax identification number and a signed contract.
A consultant at the nearest bank branch may ask for your passport, because loan information is strictly confidential. After confirming your identity, you will be able to obtain the information you are interested in (loan amount, balance to be paid, accrued interest, date of last payment).
Internet banking
It is convenient to use the modern Internet banking system. You can go to the client’s personal account on the institution’s website (https://online.vostbank.ru/app/) and view all the latest transactions and operations from any device if you are a previously registered user. If this is your first time visiting the online banking page, register using your card, account or passport number.
SMS banking
This method is available at every bank. You can activate the SMS banking service at Orient Express Bank by calling the phone number 8800 100 8070. To receive information on the card, you must send a request to number 7243. After completing the corresponding request, you will receive a report with the loan balance.
ATM
You can also find out the loan debt at Orient Express Bank by using an ATM. After inserting the card, select the “display balance on screen” function. The balance amount will be shown with a minus. The next payment must be made in the amount provided for in the loan agreement in order to avoid interest charges.
Bank hotline
You can obtain the necessary information by calling the bank’s contact center hotline. Some data may be classified. To obtain information, you will need a credit number and/or card number.
Oriental Bank Express is the best partner for profitable loans. Internet banking system, SMS notifications, use of terminals and a hotline - using any of these methods you can quickly find out your credit debt with this bank.
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 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 conditions. 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 it’s not part of the system 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 since 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 No. 212-FZ of July 26, 2017)
(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 do not pay and do not 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.
Orient Express Bank offers several ways to provide information about loan products, thanks to which the borrower can at any time check the loan balance, the date of the upcoming payment and control the accrual of interest.
Channels for obtaining information about the loan balance
In order to find out the balance of debt with the bank, the client can use any convenient option:
The balance of the debt in the payment schedule is indicated without taking into account interest for the number of days of use of the funds, so if repaid in full, the amount may be higher.
How to find out if a loan is repaid
To avoid claims from the bank in the future, after full repayment of the loan, it is recommended to order the appropriate certificate:
- contact a bank branch and write an application for a certificate of debt repayment (accepted directly from the borrower upon presentation of a passport);
- fill out the online application form on the official website (the application will be reviewed within 10 working days).
Orient Express Bank offers standard ways to obtain information about the loan balance. The difference from most other banks is the provision of an automatic IVR voice menu, which allows you to immediately go to listening to data, as well as the ability to remotely register in your personal account to check debt without visiting the office. The ability to order a debt repayment certificate on the website saves clients from wasting time on a visit to the bank.
