According to official statistics, every second has a debt to any credit and financial organization today. It is no wonder that many are concerned by a question whether it is necessary to pay the credit if the bank went bankrupt. The prospect to get rid completely of a debt when the creditor suddenly becomes illiquid is so tempting. But in this situation everything is not simple.
It is necessary to pay the credit if the bank went bankrupt
If your bank went bankrupt and what to do with the credit you do not know, you should not amuse yourself with vain hopes. It is necessary to pay a debt all the same as even liquidation of the credit and financial organization is not an occasion to forget about the means provided to the borrower.
Therefore you have to continue to make payments according to the schedule and in full. Delays are not recommended to be allowed – it can negatively affect your credit history.
Where to pay the credit if the bank went bankrupt?
Very often borrowers are disturbed by a problem to whom to pay the credit if the bank went bankrupt. There is no strong wish that money left in anywhere, and the debt remained.
You should know the following:
- after liquidation of the credit and financial organization its assets pass to other bank which becomes the new creditor;
- you are obliged to notify on it in writing, having reported new details for payment;
- if the notice did not arrive, it is necessary to call call center of the old bank and to get all more information independently;
- if any data on change of an order of payments and details, continue to pay as usual, but surely keep checks and payment orders;
- the ease at payment of the credit taken from bankrupt bank, to his successor can be made only in the form of cancellation of penalties and a penalty fee; the main sum of a loan has to be returned in full.