Ready for non-owned person: find quickly for someone stuck
Being in a situation of banking prohibition is not obvious. It is really hard to have a favorable response for granting credit in traditional banking institutions. However, there are solutions to obtain financing. Being ‘forbidden bank’ suggests being stuck at the National Bank of Belgium. When you make a request for credit, the lender is forced to make an appointment with this characteristic database, if you are registered, you will be used as a risky client.Even if legally speaking, be banned bank n is not equivalent to being banned from credit, the decision is at the goodwill of the financial body. Vipa works with financial ferments in credit for banned banking.
Plug ? We have solutions…Do not refund your credit for more than two monthly installments will necessarily lead to your registration with the National Bank of Belgium. The consequences can be unfortunate… Read the following information carefully. We are at your disposal for any further information. Show at the National Bank of Belgium Did you know that: n Each credit subscribed must be registered at the Central Credit to individuals by your praetor organization. The Centrale des credits aux particuliers is a division of the National Bank of Belgium. The Central Office for Personal Credit is tasked with combating over-indebtedness. If you fail to pay your premium for 3 consecutive months, your lending organization has the legal obligation to terminate your credit or loan agreement with the National Bank of Belgium which will proceed to your registration. When you are registered with the National Bank of Belgium, your file leads to the litigation department of your lending organization that will try to find an answer with you to extract money or by nature, will start legal proceedings that may lead to the recovery of the balance of the credit unpaid on your property. This may involve a seizure of your property and a public sale. If your credit is not settled, you stay at the National Bank of Belgium with the consequence that no credit organization (bank or broker) will be able to lend you any more money. You can not borrow anymore. Once you have settled your credit, the lending group has the legal obligation to ask the National Bank of Belgium to cancel your registration. You will have to wait 15 months after delisting to be able to make a new loan or apply for a new loan. Being stuck is a delicate situation. However the European People’s Credit can offer you solutions to get out of this embarrassing situation:
When will the ban on a new credit be lifted? nYou can ask yourself “How to get away from the Belgian national bank? “Or” How to buy a loan when you are stuck at the Belgian national bank? “Well, when you’ve settled your debts, you’ll be able to apply for a loan again or benefit from a new credit card. After the regularization of your situation, your data will be kept for another year on the summary obscure but it will not prohibit you to have a new credit. A lender may, however, take this into account in estimating your loan application. If you are unable to repay your loans within the year, you will remain on the dark list for 10 years after the date of the first non-payment. once you regularize your situation, even if it is after more than 1 year, you will be able to borrow again but will stay on the summary obscure.It is therefore important to pay your credits as quickly as possible, to be able to make a clean sweep and start dreaming and doing projects again.
How to overcome an over-indebtedness? n Over-indebtedness is reached when your commitments exceed your means. You are considered to be over-indebted when your debt ratio exceeds the legal threshold of 33%. The cause of over-indebtedness is often the overly crucial collection of loans that inevitably lead to insolvency. This implies that you are no longer able to repay your credits, at least in the matters agreed in the contracts. To survive your over-indebtedness, you have several alternatives. The first is to enter into negotiations with your creditors to have a development that allows you to repay your credits in better conditions. This leads to additional time or credit discounts. You can convince them by submitting a recovery plan ideally prepared using a mediator from the Public Social Assistance Center. Of course, the last word goes to your creditors. When your creditors refute your proposal, you have only one last solution: create and file an over-indebtedness file. This is a legal proceeding, kind of an amicable agreement with creditors. A mediator of credits is mandated by justice to study your case and propose its solution to the creditor and the judge. The solution may be a redeemed repayment schedule, a credit reset, or simply the erasure of your debt. It is the judge who will decide in the end on the final solution to choose, on the advice of the mediator. Whether you have landed on the black summary of the NBB or you have all the creditors on your heels, you now know that there are a possible way out of over-indebtedness, provided you put yours.
How to move to acquire a personal loan if you are stuck at the Bank of France?
To recover a personal credit, you must necessarily get out of the carding situation you are in.To do this, there is no alternative to paying your credit or waiting for the time limit imposed by the law. You can also subscribe a micro credit. however, if you wish to receive a micro credit while you are Bank of France, you will have to climb a professional project. In case you succeed in getting out of this file FICP, you will be able to completely execute your request for a personal loan, in the same way compared to other borrowers, retirees or young assets for example.Good to know: the legal duration of registration is 5 years if your file is due to a delay in your credits. It happens to be 10 years at most following the filing of an over-indebtedness file and 2 years during the moratorium period. If you have benefited from the partial eradication of your loans, the deadline is also 10 years. finally, it is 7 years old if you have benefited from a personal recovery procedure.
Regularization of the situation The FICP registration results from a payment incident. If the incident is resolved (ex: adjustment due to unpaid,..), the registration can be waived and credit possibilities reopened.A nature, the registration will be maintained for a period of 5 to 10 years depending on the fact having generated the file. to have funds, the person will have to move towards alternatives to the banking system. Alternatives to the bancairen system Advance on inheritance: receive at the right time Donation can advise its beneficiaries when they need it. the base of the advance on inheritance, which makes it possible to give a part of its patrimony, by anticipation (or not for the case of donations out of inheritance). Receiving a real estate property or a sum of money as a donation can help pay off unpaid debts and restore financial health by providing substantial funds, and free from any borrowing.