У заемщиков возникло недопонимание с банками
Клиенты банков начали жаловаться на возникновение просрочек по кредитам, причем в некоторых случаях граждане были уверены, что банк предоставил им отсрочку платежей. Такие жалобы все чаще появляются на банковских форумах, сообщает РБК.
Клиенты одного из крупных банков рассказали, что узнали о возникновении у них просрочек по кредитам, при этом ранее они отправляли в банк документы о снижении дохода и даже получали уведомления о предоставлении отсрочки. В банке сообщили, что причиной возникновения просроченной задолженности могло стать непредоставление документов, необходимых для кредитных каникул согласно ФЗ № 106. Все клиенты информируются о необходимости предоставления документов; если документы не поступают в банк, гражданам предлагают перейти на собственную программу реструктуризации, отметили в кредитной организации. В банке не считают, что в некоторых случаях клиенты могли быть не проинформированы об условиях каникул.
В других банках рассказали, что кредитные организации информируют всех заемщиков о необходимых документах для подключения отсрочки, с каждым клиентом проводится индивидуальная работа.
Ранее ЦБ РФ сообщал о том, что не будет применять меры к банкам, предоставившим кредитные каникулы добросовестным заемщикам, которые не смогли вовремя подтвердить снижение дохода.
Эльман Мехтиев, президент Национальной ассоциации профессиональных коллекторских агентств (НАПКА), отметил, что в данный момент доля отказов платить по принципиальным соображениям находится на минимальном уровне, и около 90% ссылаются на финансовые трудности и намереваются возобновить платежи сразу после восстановления платежеспособности. Сейчас взыскатели работают с должниками, которые вышли на просрочку в период с апреля по август.
Руководитель проекта ОНФ «За права заемщиков» Евгения Лазарева напомнила, что в апреле–мае потребители жаловались, что банки «теряют» заявки на кредитные каникулы или без согласия и уведомления клиентов заменяют льготный период на собственные программы реструктуризации. По словам г-жи Лазаревой, эта ситуация могла привести к образованию задолженности, о которой заемщики не знали. Также рост жалоб по теме просроченной задолженности может быть связан с ухудшением экономической ситуации.
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