Home loan to families. Home Credit and Finance Bank
Bank Home Credit occupies a leading position in the Russian financial retail market. Included in the TOP-10 for loans to individuals, takes the first place in the market consumer loans at points of sale. On this page, we present the main banking products of this financial institution.
All banking products
Home loan
For registration online applications and getting a loan, you just a passport is enough.
Basic conditions
- Amount from 10,000 to 500,000 rubles for new clients
- Amount from 10,000 to 990,000 rubles for those who are already a client of the bank
- Term from 12 to 60 months
- Rate: from 7.9 - to 24%
- No certificates, only by passport
Borrower requirements
- Age: 22 to 70 years old
- Citizenship: RF
- Permanent source of income
- Registration or place of residence in the region where the loan is granted
- Good credit history
Installment card "Freedom"
The installment card from Home Credit Bank compares favorably with competitors in that the installment plan is valid in any store, and not only in a partner store.
Installment terms from Home Credit
- Installment period - up to 10 months (for purchases in partner stores) or up to 51 days (in other stores);
- Card service is free;
- SMS-package - 2 months free of charge, then 99 rubles per month.
The card also has two nice bonuses.
- Skip next minimum payment(is free);
- Extension of the installment plan for 10 months (1,490 rubles).
Debit Card - Benefit
A debit card from Home Credit Bank with the possibility of free service, free cash withdrawal at any ATM in the world 5 times a month and charging 7% per annum on the balance on the card, make this card very attractive for daily use.
Main advantages
- Free card delivery by courier
- Instant card replenishment no commission in the internet bank
- Cashback is credited with points of the Benefit program. 1 point is always 1 ruble
- Free service with a balance of 10,000 rubles or more. or transactions in the amount of 5,000 rubles or more. per month, otherwise RUB 99 per month
Basic conditions
- Annual interest rate on daily balance
- 7% - if the balance is less than 300,000 rubles and purchases are made in the amount of at least 5,000 rubles per month
- 3% - for the amount exceeding 300,000 rubles and making purchases in the amount of at least 5,000 rubles per month
- 0% - in other cases
- Cashback "Benefit"
- up to 10% cashback for purchases from bank partners
- 3% - on purchases in cafes, gas stations and travel
- 1% - for any purchases
- Monthly account maintenance fee
- 0 ₽ if the amount of purchases on the card exceeds 5,000 rubles or the balance on the card exceeds 10,000 rubles, or if the card is issued as part of a salary project
- 99 ₽ otherwise
- Additional benefits
- 0 ₽ - replenishment of the account in the Internet bank and in the mobile application
- no commission cash withdrawal from any ATM in the world - 5 times a month
Why choose Home Credit
The bank attracts clients of different social status due to its wide range of products. Here you can get a small loan for the purchase of goods in stores or a larger amount for personal needs. For wealthy clients, the bank has prepared offers for obtaining status cards endowed with lucrative options, such as a purchase insurance program, urgent medical or legal assistance, getting a cashback or participating in a bonus program.
When registering loan products, a Home Credit Bank client can always count on participation in financial protection programs. In case of occurrence difficult situations, the bank will help to increase the loan term in order to reduce the amount of payment, provide credit holidays or the option to skip the monthly payment.
A large share of the bank's clients are depositors. It is beneficial to open a deposit in Home Credit Bank due to flexible conditions, competitive interest rate... Clients can be sure of the safety and security of their funds, since all client deposits are insured in accordance with the all-Russian system of individual deposit insurance.
Help and participation of the bank in the social life of society
In addition to products and services in the financial field, the bank is actively involved in social life society. Work is constantly underway to improve financial literacy population - special materials are issued for borrowers. The bank cooperates with journalists who are ready to share the best materials that contribute to improving the financial literacy of Russians.
Since 2009, Home Credit has been participating in a charitable program aimed at helping graduates to obtain higher education... Help is provided to those children who find themselves in difficult social and economic conditions.
For almost two decades, Home Credit Bank has been constantly improving and improving its services and services, trying to meet its customers, to be reliable and profitable.
Home Credit Bank Resume
Home Credit Bank was founded in 1992 and over the following years of work has moved to one of the leading positions in Russian market in the field of consumer lending. The network has more than 1000 ATMs and about 300 offices and representative offices in Russia, whose employees are always ready to provide competent advice and help in obtaining loans, credit cards and other banking products. This is not surprising, because one of the main strategic directions for the bank is the development of customer service.
Home Credit Bank official website
Internet banking from the bank Home Credit one of the most advanced cabinets for online control of funds in your accounts. Home Credit Bank was established in 2002 and is the leader in lending in Russia.
The entrance to the personal account of Home Credit Bank is carried out from the official page of the bank. To enter, you just need to enter your username and password, and if you fill it in correctly, an account will open for you.
To enter your Home Credit Bank personal account, you need to go to the bank's official website at homecredit.ru and in the upper right corner click on the "Login" button.
The system will prompt you to choose where you want to go. Home Credit Bank has two types of personal account:
- My credit
- Internet bank
If you go to the "My loan" section, you will go to the control panel of your loan and you will be able to see the key points related to the debt, the repayment period, the date of the next loan payment. In other words, this is a mini personal account, where you can only control your loan that you pay off.
There is also a second - a more complete version of the personal account - “Internet Bank”. Here you have access to all your assets that are registered for you in Home Credit Bank: accounts, cards, loans. You can also manage services here, pay for services, transfer money between your accounts or send to another person.
Home Credit Bank personal account, security
- be careful: do not download or install on a device (tablet, computer, phone or smartphone) applications and programs from unverified sources;
- remember to install an antivirus program, do not forget to periodically update it;
- to avoid disclosing personal data, do not give payment card and a mobile device for use by third parties, even relatives and friends;
- when changing the phone number indicated as a contact in Bank agreement, try to immediately notify the Bank about it;
- no one (even employees of the Bank), except you, should know the following information: your plastic card PIN-code, password for authorization in Internet banking, CVV / CVC-code (indicated on the back of the plastic card), one-time confirmation codes;
- if a link to a web resource unknown to you came from an unreliable source, you cannot click on it;
- if you suspect that your personal data has been disclosed to third parties, we recommend that you immediately notify the financial institution about this.
Found out that your finances were inappropriately debited from your account? Call the hotline immediately.
To keep abreast of the security rules for your accounts, follow the news on the official page of the financial institution www.homecredit.ru.
Home Credit personal account interface
In these photos you can see what functions the Homecredit interactive cabinet has:
Description and capabilities of Home Credit cabinet
- V personal cabinet you can carry out such intrabank operations as: repayment of loans, transferring money to other clients of the same Bank (indicating the amount and number of the personal account), opening deposits and replenishing them, tracking credit card debts.
- The ability to transfer finances to any accounts (both organizations and individuals) without limiting the transfer amount. The commission is only 10 rubles.
- Going to the history of account transactions, if necessary, you can add your own payment template or repeat it.
- If necessary (for example, theft, loss), you can block your debit or credit plastic card yourself.
- In your personal account, you can select and open a deposit (deposit), without a direct visit to the service provider's office.
- If you need to send remittance to a card of another bank in the country, you can make it by indicating only the recipient's card number.
- Without visiting the bank, at any time of the day you can familiarize yourself with complete information on all financial products of the bank that you use. For example, interest accrued on a deposit for a certain period, loan payment terms and monthly amount payment on it, terms of closing a deposit, etc.
- With "Internet banking", without leaving your home or workplace, you can quickly pay for any public Utilities... It is not necessary to visit the Bank's office for this.
- Using a credit card? Want to know about the benefits? Track the amount and terms of payment of the debt using the interactive account!
- It is also easy to transfer funds to the specified bank account: indicate the amount and details for transferring it.
- In your personal account, you can replenish Home Credit bank cards from payment cards of other banks.
- Internet banking from Home Credit allows you to receive real money or open a credit card without visiting the office directly. To do this, you can fill out the form. In 1.5-2 hours, the entire requested amount will be transferred to your account. This function is available if there is a special offer from the Bank.
Important information!!! All intrabank transfers and transfers to personal accounts in other banks in the country are carried out exclusively from a debit bank card. Any payments in Internet banking (payments are available for more than 800 organizations) are made free of charge.
The client's online account service ("Internet banking") is provided free of charge!
Home Credit Credit Office
It is quite easy to pass authorization in the Homecredit Loan Cabinet. Enter the following information in the form fields: user's date of birth, mobile number, the code from the picture and the SMS confirmation code that came to the phone.
The difference between the Homecredit Credit Cabinet and the Personal Account is that the client, being in the system, will only be able to control the receipt and expenditure of funds on the loan, receive data on credit card or borrowed credit. In this system, you cannot send messages to the Bank, transfer funds, open deposits, change settings, make payments, apply for a loan or open a credit card.
Like the online account, the function “ Credit cabinet»Is also provided free of charge.
Do you have any questions about the operation of the Bank's interactive system? Add a comment to the article with a question of interest to you, we will try to answer them in as much detail and accurately as possible.
License of the Central Bank of the Russian Federation: No. 316
About the bank
Home Credit Bank was registered in 1990 under the name Technopolis. Among the founders then were many Zelenograd enterprises, as well as the Russian Brokerage House and the Russian Oil Company. In 2002, the bank was acquired by Home Credit Finance A.S. from the Czech Republic, after which the organization was reoriented to customer credit and renamed Home Credit and Finance Bank. Home Credit has been licensed by the Central Bank since May 12, 1992, and has the right to carry out all types of banking services: conducts transactions in rubles and foreign currency, lend to the population and open deposits, sell valuable papers... The organization is included in the register of banks participating in the system compulsory insurance deposits.
The bank's regional network includes 23 branches in different regions, the head office is located 125040, Moscow, st. Pravdy, 8, building 1. In the region, the main office is located at 125040, Moscow, st. Pravdy, 8, bldg. 1, 23 branches and 29 ATMs were opened.
Home Credit offers its clients a wide range of financial services... A wide range of products has been developed for individuals, including term deposits, plastic cards, both debit and credit, as well as consumer, mortgage and car loans. The bank carries out currency exchange and life insurance, purchased goods, property and investments.
For legal entities available lending, settlement and cash services, salary projects and financial protection... Most requested on financial market Russian service - consumer lending. Home Credit has a wide range of programs with 34 offers. The most popular programs among the clients of the organization are refinancing, mobile ur + euroset, purchase on credit + window house. The minimum rate is only 7.45%. Continues the line of mortgage loan products from Home Credit. Financial institution has car loan programs, minimum rate for which it is 9.90.
Most often, Home Credit Bank clients choose To buy a car.
The preservation and increase of capital is of interest to many financially active citizens, and Home Credit Bank offers its clients profitable programs deposits. Among 12 deposits, the maximum rate is 8.00. Those interested in opening a deposit can pay attention to the programs 18 months Plus, Cabinet Plus, 12 months Plus.
Home Credit also issues a large number of plastic cards... Among the 12 debit cards, the most demanded are Key in USD, MIR, Key in EUR. The maximum bet on the balance on them is 6.00. Credit card users most often pay attention to the Home Credit program - Eldorado, YARMARKA Card, Platinum Benefit Card. Many Home Credit Bank clients are interested in currency exchange.
On Vyberu.Ru you will find the daily updated dollar rate according to the organization's data.
Today's course purchases American currency is 60.18.
The dollar selling rate at the moment is 64.98. For those who prefer to use the currency of the European Union, the euro exchange is available. Today's EUR selling rate at Home Credit Bank is 72.34, and the purchase rate is 67.53.
Almost all of the liquidity raised in assets was channeled to retail lending. The benefit from corporate loan repayment was also used to issue retail loans. Home Credit is in 27th place in terms of assets. An extensive loan portfolio allowed the bank to take 11th place in the credit rating.
Sergei Consumer loans Rating: 1
They annoyingly send SMS to receive favorable loan... Then they will extract from you all the data about you, about your relatives and friends. A polite refusal is received. But ... After refusal, they start sending SMS to your relatives and friends. Those, in turn, are trying to find out everything in the same way, and it goes - it’s gone. A little later, and again they send you.
I believe that there should be a law, if they refused, then they should immediately erase the entire personal database provided to them. And, most importantly, they do not call (they know what they will send), they write SMS.
Yesterday at 14:50
Petrunina A. Question Rating: No
Customer service is terrible. I called through the phone number you specified and connected HomeBot Support to work several times - they promised to connect a specialist, but they probably sleep in the evening. But why, then, they will not point out about this and do not need to fool your head ...
The question is simple - the person changed the phone number. Where and how to re-register it ... I need to pay off the loan without connecting a new number, this is problematic. Contract number 2296910994 dated 04.24.2019, new number 9888 *** 392
Alexander Astakhov, Tula Consumer loans Rating: No
The bank is dishonest with its clients. About 10 years ago, I took a consumer loan from this bank and repaid it ahead of schedule, but despite this, the bank accrued interest, referring to the fact that they made the transfer after the holidays, although they paid before them.
As a result, they began to accrue more interest on these percentages and, in addition, spoiled credit history for the fact that I did not pay these 100 rubles.
I found out about this 10 years after this story. CLIENTS BE CAREFUL WITH THIS BANK.
Syroezhkin Evgeny Viktorovich Contributions Grade: No
I have been a client of the bank for a long time, I had a currency deposit in dollars under the Deposit Agreement natural person in foreign currency "Profitable year" No. 183/003356 dated December 7, 2015. At the end of the term of the deposit, I received the accrued interest in rubles.
On the day of receipt of% in the amount of 937 dollars, namely 12/07/2019, the bank's purchase rate for dollars on the Bank's Official website was 62.17 rubles per dollar. However, the exchange was made at the rate of 60.2 rubles per dollar.
I began to find out from the operator, received an answer that since the bank is not engaged in currency exchange, then it sets its own internal currency purchase rate. Then why is it indicated on the Official website: buying currency at the rate ...
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I applied for a loan at Home Credit Bank without insurance and SMS. Approved. But when I entered my personal account, I saw that both SMS and insurance were included in the loan. They answer that you will refuse later and more reduced rate promised.
Valentine Consumer loans Rating: No
I applied for a loan without insurance and SMS. Approved. But when I entered my personal account, I saw that both SMS and insurance were included in the loan. I called the bank. The answer is not very polite, that then you will refuse and even promised a reduced rate. I thought it was a serious bank.
Enjoyed the service of your staff. Politeness, sociability. We have been working with you for a long time. This is not the first time we have taken loans.
Vitaly Ivanovich Service for individuals Rating: No
Agreement No. 2324201996. We liked the service of your staff. Politeness, sociability. We have been working with you for a long time. This is not the first time we have taken loans. Review for all 5.
Please make the doors in the branch on Soviets, 11. Your bank homeless people sleep in the evening and at night. It's scary to go in to put money in.
Love Branch service Rating: No
Please make the doors. Homeless people sleep in your bank in the evening and at night. Scary to go in to put money in and a terrible stench.
Bank division
Additional office 23/08 Novorossiysk, st. Soviets, 11
In Home Credit, in addition to loan insurance, they impose without warning one more insurance, which is included in the loan amount. If the loan insurance can be returned within 2 weeks, then the second insurance is not returned at all.
Galina Consumer loans Rating: 2
In addition to taking insurance on a loan, they impose one more insurance without warning about it. The amount of the second insurance is included in the loan amount. If the loan insurance can be returned within two weeks, then the second insurance is not returned at all.
Bank division
Additional office 34/06 Kamyshin, st. Lenin, 19
Sergei Consumer loans Rating: 5
Good bank! As they write below that the insurance is not returned, I personally refused it the next day without any problems and transferred the amount to early repayment... On the day the funds were debited under the agreement, I received a notification and a new payment schedule. I paid only 3 more payments, so far everything is fair !!!
Now I'm waiting for the promised rate cut to 11 percent in 6 months. If this happens then it will be just magic.
Igor Debit cards Rating: 1
Citizens are scammers. Today I left a request for your false advertisement on the bank's website about a card at 10%. And he signed the SMS documents. And you opened the card at 6%. I do not like it. I terminate the contract. I don't need a map. Close the cards and cancel the contract. I don’t want to contact you as scammers anymore.
I read the Bank's Hotline. And there everyone writes that the bank offers one interest, and later an SMS comes in about 6%. And the bank assures everyone that its actions are correct.
This is no longer a mistake, but a massive deliberate fraud.
Natalia Service for individuals Rating: 1
Hello. The office was closed for renovations, but it is not clear where he moved. Yesterday I could not repay the loan. Two ATMs located at 138 Krasnoarmeyskaya also did not work. I went to the address indicated for the employee in the "Clouds" shopping center, but they could not help me there either. They explained that due to the closure of the office, the program does not see my contract.
It's strange how you have it all. I wonder how to determine the presence of WORKING terminals, to take a city tour? Tomorrow there will be a delay, now I understand people who are hiding from banks and collectors.
Bank division
Additional office 42/03 Kemerovo, st. Krasnoarmeyskaya, 138
Today I made a request to close my card account at 09:56. I am already calling for help! The first released operator will answer you. And so all day (((
Natalia Service for individuals Rating: 1
Today I made a request to close the card account. Hello. I want to close my card account. 09:56. I am already calling for help! The first released operator will answer you.
And so all day (((
I took an installment plan from Home Credit Bank, contract No. 2318362764, at the price tag the price is 110.490 rubles, for the loan 99.993 rubles, and I have to pay 112.814 rubles. So what is this installment plan?
Tatyana Credit cards Rating: No
Hello. I took an installment plan through your bank, the contract number is 2318362764, the price tag is 110490, the loan is 99993, and I have to pay 112814.39. So, what is this installment plan ??? Also, please turn off the SMS package, I don't need it. Agreement 2318362764 dated September 11, 2019.
Daria Credit Cards Rating: 1
In 2017, the loan agreement and a credit card was received, until July 2019 I used this card, after making the next payment I noticed that the bank wrote off the commission for using the credit card, which is 990 rubles, everything would be fine, but months earlier this commission had already been debited.
I called on hotline, the girl assured me that it was a write-off of interest, and she does not see any overly described commission ... I mean in personal account I see everything, but surprisingly she did not see anything. On the same day, I wrote in the application My credit to the support service, this issue was later resolved and the amount in ...
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Veronica Credit Cards Score: 1
Hello, mom took the Freedom card from Home credit in order to pay for the trip. When we arrived, it turned out that it was impossible to do it. the travel agency is not a partner of this bank (no one specified the partners during the purchase of the card; they point to the site where this "allegedly" is).
As a result, when you call the hotline to find out the rules for using the card, the operators also deliver incorrect information, it turns out that you are offering a card that cannot be used to make a payment, which none of them knows about !!!
As a result, two days of wasted time, spoiled mood and not bought a ticket !!!
Bank division
Additional office 78/04 St. Petersburg, st. Ivanovskaya, 13
Olesya Bank collectors Rating: No
Not enough anger at Home Credit Bank !!! Or rather, most likely on their security service. I am not in any way the borrower of this bank. I was slandered, calling me a fraud, saying that I came three times with my feet in 2018 and took loans (one of which is an expensive phone).
All this they said to my mother, having called her neighbors before, as I understand it, to completely damage my reputation (so that everyone knows). This is how to lie! I really want to see photos of my parishes at the bank branch, as well as the contracts signed by my hand.
They are not at all afraid that this conversation can be recorded, that ...
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Olga Branch service Rating: 5
Convenient location of the bank, Volgograd, st. Kalinina 13, business center "Mercury". Modern operating room. Competent employees! Fast service and lending. Most of all I liked the cashier and the cashier - the teller. Great! Well done !!!
Igor Consumer loans Rating: No
Deception! The money was not returned for the insurance. A girl is sitting, an agent says until you pay, we will not give back the insurance. I paid now you are not entitled to insurance. They cheat people!
When applying for a loan, the possibility of early partial repayment... The My Credit app has this feature. They write that the application has been accepted, but no redemption occurs.
Anonymously Consumer loans Rating: No
When applying for a loan, the possibility of early partial repayment was discussed. The My Credit app has this feature. They write that the application for partial early repayment has been accepted, but no repayment takes place.
I think to stop paying altogether. As they are to me, so I am to them.
Aleskandr Credit for goods Rating: 1
I took an installment plan in this so-called "bank". In the mines. Firstly, they forced me to run around the city, because in order to buy tires in installments in one store, you first need to go to a loan officer in some other store.
First, you need to find it in some store in the mall, then they start deciding whether to issue an installment plan or not, although earlier in the tire center everything was approved for me !! That is, some kind of stupid divorce ... first they say "Yes, approved!" That is, deception at the very beginning !!
Olga Branch service Rating: 1
Today she came for an overpayment, a friendly girl Natalya alone served a huge queue (2 more were sitting - one on the phone, the second, apparently, a student). I was the last in line. Standing at the cash register, waiting for money, I heard a scream from the main hall.
As it turned out, the manager was shouting at the same girl, because she did not teach the new one, despite the fact that she was alone at the reception. Coming out of the checkout, I saw that there were other clients in the hall, but this ill-mannered manager was not at all embarrassed!
I made a remark and asked his name - he answered: Stashevsky. I believe that I occupy the position of a manager and must correspond to it. A...
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Bank division
Additional office 78/08 St. Petersburg, Prospect Nauki, d. 19k2
Good afternoon Olga! We apologize to you for witnessing this situation, of course it is unacceptable. We will give feedback to colleagues from the office.
Anonymously Consumer loans Rating: No
Pah-pah-pah, the third time I pay a loan - this is the most adequate bank. Everything is fast, simple, no problem - how much you have to pay - I pay this, everything is written off on time and clearly. Nothing extra. The interest is really big + insurance, but when you need money urgently, you don't have to choose.
From other banks I want to hang myself at the stage of applying for a loan.
Anonymous Credit Cards Rating: 1
At the end of 2018, an installment card was issued (Benefit ed.). The other day, a message was received in SMS about a 12-month installment plan for purchases in partner stores. Made purchases in a store from the list of partners indicated on the bank's website. I have read the terms and conditions beforehand.
After the purchase, when calculating the payment schedule, the conditions of the promotion were not applied by the bank and the installment plan was 1 month! According to the bank's calculation, a month after the purchase, you must pay the entire amount and pay off the debt.
The request for clarification through the online bank was unsuccessful. Either the bot writes, then the constantly changing employees who write nonsense respond. For example, indicate that the promotion is only valid for ...
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Hello! The situation turns out to be strange, if all the conditions were met, the installment plan should have been correct.
To understand everything, write to us with a personal message your data in the bank's office group (Vkontakte, Twitter, Facebook or Odnoklassniki).
Best regards, Home Credit Bank.
I took a loan twice more than one joint in payment! Here in Maikop I had to apply, they approved 800 thousand. I say I don’t need so much, I asked for 200, they refused. Weird!
Andrey Consumer loans Rating: 1
Strange bank! I took a loan twice more than one joint in payment! Here in Maykop I had to apply and approved 800 thousand! I say I don’t need so much, asked 200 refused! Weird!
Hello Andrei!
The offer from the bank was preliminary, the exact decision is found out only after the application has been submitted. Do not be discouraged, it will be possible to re-submit the application.
We will be glad to cooperate.
Best regards, Home Credit Bank.
I am not happy with your collector, who calls me because of the debt of my neighbor until 12 o'clock in the morning. That there is no law for him, I cannot answer for the neighbors. Contract number 2206567766.
Kiseleva Anna Georgievna Bank collectors Rating: No
I finish paying the loan. I am very grateful to the employees of the bank which is in Samara Stara Zagora street. But I am not happy with your collector, who calls me because of the debt of my neighbor until 12 o'clock in the morning. That there is no law for him, I cannot answer for the neighbors. Contract number 2206567766.
Hello!
Thank you for choosing our bank. In order to stop calls, we need information on which phone number they are received.
You can call the hotline and inform this information, either write to us in the bank's office group in social networks, or the bank's chat.
Best regards, Home Credit Bank.
Nina G. Kuzneva Contributions Grade: 1
The work of the bank's tellers defies any criticism, the ugly attitude towards their clients. I am an elderly person, disabled, the attitude is the most ugly. I have known the bank for more than 10 years, I have a deposit there and not a small one.
They attached the Cosmos card to my deposit, allegedly without it I have no right to apply for a deposit. So I unfastened this card for 2 years until Alexander Baburin intervened.
I also had to pay the accrued commission, the contract for this card was not given to me, I would have responded in a timely manner to the essence of this card. The investment deposit expired on 06/05/19, it came to the bank Po Altufevskaya 86, ...
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Hello!
Nina, we apologize for the inconvenience caused. The situation is extremely unpleasant and incomprehensible.
To understand everything, write to us in one of the bank's office groups in social networks (Vkontakte, Twitter, Odnoklassniki, Facebook) All services can be turned off, insurance at a bank office or a partner store upon application, and SMS can be called by calling the hotline or by writing to us in chat, or in the bank's office group in social networks.
Elena Service for individuals Rating: 1
Home Credit Bank seized all my cards, alimony came and half of the amount was written off to pay off the debt. I called the hotline and transferred from one operator to another, and so no one really explained anything, they didn’t know anything, and they didn’t know what to do either.
They said go to the bailiffs, why go there if the bailiffs do not have a penalty, I was there, in the end they did not decide anything. How to withdraw money so quickly they did it, but how to return it so nifiga.
Hello, Elena!
You need to provide the bank with a certificate stating that the account is an account for receiving alimony, as well as that the arrest has been removed from the account by the bailiffs and the money will be returned.
Best regards, Home Credit Bank.
To begin with, I am very sorry that the moderation will not miss out on what this bank really deserves. And he deserves it, and even more.
I am not a supporter of collecting loans and living in debt, I took an installment plan for Ascona goods, because there was a grace period, and small interest was obtained. as a result, the sofa that was brought in turned out to be terribly toxic. The consequences for the health of the family are catastrophic, a year has passed, but our life is still hell, children relapse all the time, life has never been there. but this is not about the bank, but now, about the bank. It so happened that the bank did not transfer the money at the time when Ascona brought her rubbish to my house. I emphasize - I did NOT translate, and I immediately called and asked not to transfer money, so that I would pay for the second item directly with Ascona. They told me on the phone "yes, of course", but in fact the money was transferred, completely ignoring my request. my life was subordinated for many months in a row by the fact that I treated children for days with one or another composition, so I called the bank and wrote without walking. Ascona transferred the money for the sofa to the bank. The bank, to which I do not have censorship words, decided that it would write off monthly payments from there, instead of writing off the amount immediately, because they wanted to earn interest, although I called them, I repeat, wrote (correspondence that was not answered , naturally saved), they pretended that I did not exist. In June, I was completely exhausted from the struggle with the terrible skin of children, I took them in an armful and left for the mountains. Then the bank ran out of money from Ascona, and they decided to get all possible interest from me in full. I returned, paid the principal amount for ONE product that I actually used, interest for it based on the grace period (yes, I missed it for two weeks, but only for the reason that I could not get the answer out of the bank, although I wrote to them and called, repeatedly). but no, these amazingly greedy people need me to pay for the sofa, which, not only did I not use, but because of it I suffered losses for more than one hundred thousand rubles (no, I was not mistaken with zeros, I have three children , so many doctors have passed that through no gate, drugs are bought in trains too, all tickets and performances are skipped, tutors, so that at least somehow learn something, taking into account the fact that we now do not dream of school), so also money for this sofa have been translated straightaway Ascona back, but were not written off! now they call me ten times a day and want money. Now they respond to letters, but before that they ignored them, and pretended not to be written to them. So the second part of the Marlezon ballet consists in the fact that they also decided to write off the money I contributed once in July on a monthly basis (on what interesting basis?) And continue to accrue interest for the entire period. Unfortunately, this is all with impunity, but let at least someone give them up, looking at what these non-humans are doing. It might be easier to pay to choke, but it’s a gross injustice. It is generally difficult to find a more law-abiding person. I have three children, the whitest salary is not the lowest, with which everything is paid on time where necessary and not necessary - a gift, not a citizen. yes, of course, the mortgage is to the delight of the state and the bank. But it’s impossible that there’s no control at all for this filth. I look at my life in Last year like some bad black movie, where some villains have stolen my and my childhood life, while others are also trying to make money on it. so let them at least know about their meanness