2023-06-27 09:20:00
When closing a loan payment at the bank, you need to make sure that the procedure is completed correctly. Otherwise, you can be a debtor, said “Prime” Dean of the HSE Faculty of Law Vadim Vinogradov.
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How to close a loan
First of all, you should make sure that the bank has closed the credit account. If this does not happen, you can carry out the procedure yourself in your personal account online or by submitting a written application. “Otherwise, the bank may continue to charge a fee for servicing this account,” the lawyer warned.
It is also necessary to ensure that other financial services that the bank provided along with the loan are terminated. For example, premium service or insurance.
For the greatest reliability, it is worth taking a certified certificate of closing the loan from the bank, which can then be presented in court. “Unfortunately, the possibility of technical and human errors, due to which the repaid loan will be listed as valid, cannot be ruled out. This document must be kept for three years – this is exactly the statute of limitations, ”Vinogradov specified.
To close a credit card, you must first pay off the debt on it and then write an application to close the account and turn off all paid services, the expert explained.
After two months, it is worth checking with the bank whether the credit card is closed. You can also get a certificate of no debt on the card account.
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