Credit blacklist how to find out. Ways to view the blacklist of bank debtors
Volume of hopeless accounts receivable banks has reached its peak, so there is a need to create a unified database designed to ensure financial institutions information about particularly persistent defaulters.
Many borrowers who at some point were unable to cope with their loan obligations are interested in the opportunity to find out whether their names are on the blacklist of debtors.
Does it exist?
There are numerous disputes about whether there is a blacklist of loan debtors. And those borrowers who know that their credit file is seriously “tarnished” are looking for an opportunity to check whether this famous list contains their personal data.
The blacklist is, first of all, a guarantee of job security credit institutions, and only banks or other institutions whose activities involve ensuring the payer fulfills his obligations can use its information.
The names of unscrupulous debtors are personal secret information, the non-disclosure of which is regulated by the Federal Law “On Personal Data”. This explains the difficulty of accessing this list.
Kinds
Black lists, or stop lists, are formed in each institution in a strictly confidential manner.
This becomes possible thanks to programs that keep track of the quality of payers’ fulfillment of their obligations.
The exchange of such information is strictly prohibited, the only exception is the formation of a single database credit histories which is happening officially.
In banks
Every bank strives to secure its financial activities and minimize the risk of non-return borrowed money. Specialists work with databases that record information about how the borrower fulfills his obligations under the loan.
The creation of a blacklist as such is not provided for in all credit institutions, however, in the process of considering an application for a loan, any individual and entity is carefully checked for outstanding debts.
The nature of debt repayment is also examined, that is, the presence of delays and shortfalls in monthly payments.
If a credit institution decides to systematize information relating to the integrity of bank clients, lists are generated in which borrowers are divided into the following categories:
- persistent defaulters;
- persons who regularly commit delays;
- persons who have provided false information about themselves.
One of the first institutions to create their own stop lists was Sberbank. This organization transmits the information contained in them to the Credit History Bureau.
Sberbank did not stop at creating a blacklist of loan defaulters, but continued to form a database with a list of bank employees who had lost the trust of management and were fired for violating job descriptions.
Unlike information on debtors, this information is open and available to both clients and other banks.
At the Credit Bureau
A credit history bureau is a place where all information about borrowers that appears in the databases of specific organizations is accumulated.
There is information here about the nature of the fulfillment of obligations under loan agreements, both positive and negative.
There are over 30 such organizations in Russia. They are all linked together thanks to the Central Catalog of Credit Histories.
If the credit history data has a negative connotation, this can seriously complicate the life of the borrower. In particular, an unscrupulous debtor is unlikely to have a loan application approved.
At collection agencies
Debt collection organizations mandatory keep records of debtors, for work with whom contracts are concluded between the collection agent and the credit institution.
This information is necessary for collectors to carry out their activities. As a rule, it is used exclusively for internal use and is strictly classified.
Sometimes, in an effort to put pressure on an unscrupulous borrower, representatives of collection organizations threaten them with the dissemination of such information, however, these actions should be considered unlawful and if carried out, they should go to court.
At the bailiffs
Bailiffs also maintain their own blacklists, and their field of activity includes not only the collection of credit debts, but also ensuring the payment of taxes, fines, state duties and other payments to the state budget.
The unified list of persistent defaulters must contain the most up-to-date information in order for bailiffs to properly perform their work.
The FSSP is constantly working with the population to collect debts, using various measures. In particular, the defaulter may be summoned to an appointment with a bailiff to resolve the issue of debt collection.
Where to look
Every citizen has an idea of whether he has debt on loans or obligations to the state.
Sometimes it becomes necessary to check whether information about him as a persistent defaulter is stored in any databases. This usually becomes important before traveling abroad or applying for a loan from a bank.
In order to find out the nature of the fulfillment of your loan obligations, you must submit an application to Central catalog credit histories.
Once a year, this procedure can be performed free of charge; for subsequent cases, payment is required.
The bailiff service can provide complete information about the debt that has arisen regarding the provision of payments to the state budget. The simplest and most reliable option is a personal visit to the FSSP unit.
Online
Most organizations allow citizens to use Internet resources to find out information about the presence of debt.
You can make a request to the Central Catalog of Credit Histories using the service of the National Bureau of Credit Histories. This is a great opportunity to learn about the negative nature of a personal financial file without leaving their home.
To make a request, you will need a special code for the subject of the credit history, which is issued at the time of receiving the first loan from the bank and is available only to the most attentive borrowers.
The bailiff service allows you to find out about the presence of debts to the state budget, as well as the amount of penalties and fines.
Sanctions for debtors
To combat persistent defaulters, Russia has developed a system of sanctions that make it possible to influence the debtor to fulfill his obligations.
Among such measures are:
- inability to get a loan from any bank– no credit institution will take the risk associated with issuing borrowed funds to a known unreliable debtor;
- Difficulties in refinancing existing debt– the opportunity to refinance is given only to those persons who do not shirk their responsibilities, and in case of difficulties with repaying the loan, contact the bank in a timely manner to clarify the situation;
- ban on traveling abroad– persons who have any debt, information about which has been transferred to the FSSP, are prohibited from leaving the country until the obligations are repaid;
- loss of the opportunity to act as a guarantor for third party loans– a citizen who is unable to meet his obligations cannot act as a guarantor for the debts of other borrowers;
- seizure of a bank account– usually due to the fact that the debtor does not pay in fixed time taxes, fines and other government fees.
Situations often arise when a borrower unexpectedly faces the consequences of failure to comply with his obligations. This is mainly explained by the carelessness of citizens and ignorance of the laws, which, as we know, does not exempt people from responsibility.
How to fix
Blacklisting of an organization is not permanent.
Each debtor can take certain actions that will correct his reputation and allow him to fully use the services of credit institutions:
- First of all, you should pay off all existing debts;
- provide payment receipts to the bank or FSSP;
- give written explanations of the reasons that caused such malicious non-compliance with their obligations;
- in case of seizure of property (bank account or deposit), after paying the debt, you should contact the FSSP with a corresponding application.
A constructive dialogue should be organized with representatives of the bank, the FSSP or collection agency. Such behavior is always welcomed, and the organization meets the debtor halfway, helping him get out of a difficult situation.
The concept of a borrower/debtor under a loan/credit is introduced in Article 807 of the Civil Code of the Russian Federation “Loan Agreement”. The borrower is defined as the party to the loan/credit agreement who accepts the money and is obligated to repay it.
Types of bank debtors for loans
Bank debtors can be classified as follows:
- by loan currency - ruble and foreign currency borrowers;
- by type of loan - mortgage, car loan, consumer;
- according to the degree of overdue - from standard, servicing loans on time and in full, to hopeless, in terms of repayment of loans taken;
- by age, region, professional affiliation.
How many loan debtors does each bank have and banking system Russia as a whole has information that can hardly be called open and accessible. According to expert estimates, problem debt for individuals at the beginning of 2015 increased by 52%. In particular, the Bank of Russia notes that the number of borrowers on outstanding mortgages as of January of this year was approximately 25 thousand.
Rights of loan debtors
Standard rights include:
- the right to information about the full (effective) loan rate;
- the right to choose a loan repayment method - annuity or differentiated payments;
- the right to early partial or full repayment without commissions or penalties - provided by most banks;
- a number of financial institutions, for example OTP Bank*, make it possible to choose a convenient date for monthly payment (paid service);
- the right to receive a certificate of no debt after full repayment of the loan.
From July 1 of this year, Russian borrowers - bank debtors - received a number of significant additional rights. Federal Law No. 476-FZ of December 29, 2014 introduces the bankruptcy procedure for an individual in Russia.
Now the client can be declared insolvent and receive legal protection from the creditor if he applies to a court of general jurisdiction if the following conditions are met:
- The total amount of debt exceeds 500 thousand rubles.
- The period of overdue payments is three or more months.
In this case, the court for loan debtors may be an ordinary district or city court at the place of residence.
It should be noted that the borrower can sue for less than 0.5 million rubles. debt if there are compelling arguments that it cannot service such debt. An obligatory participant in bankruptcy cases, in addition to the creditors and the debtor, is the financial manager for the loan transaction, approved by the arbitration court.
Loan debtor databases
Official databases related to bank borrowers are presented on the website of the Federal Bailiff Service
(FSPP) in the “Information Systems” section.
The following search directions for enforcement proceedings are available to visitors:
- Data bank (public segment).
The first database allows you to find information about an individual by entering the region of residence, full name and date of birth. You can search by enforcement case number. The register operates on the basis of the region, the last name of the loan debtor, his first name and patronymic. An advanced search function is possible.
Among the non-state databases of debtors, we can note information resource"Credit-debt network".
The search service has the following sections:
- general base;
- list of loan debtors - data on individuals;
- information on legal entities;
- alimony debtors;
- debtors from the FSPP register and those for whom there is a court decision.
Loan debtors website
The above information resources are intended primarily for creditors. Their goal is to find problem borrowers. The debtors' website solves the opposite problem. This is a web resource designed to help a borrower in a difficult situation.
What a visitor can learn:
- thematic news;
- reflection of the topic of debtors in social networks;
- advice on counteraction;
- relevant legislation;
- tax debt verification service;
- how to create a credit history and work with it.
Separate sections include registers of debtors and advice useful in servicing credit debt.
The role of NBKI
The largest Russian bureau is NBKI. The National Credit Bureau has the largest database in the country. It is with this bureau that credit and financial institutions of the Russian Federation closely cooperate at all stages of working with the borrower - from his application for a loan to full repayment of the debt or the emergence of a problem situation. Your consent to transfer data to BKI is an indispensable condition for issuing a loan.What NBKI can offer to an individual borrower:
- information about what a credit history is and why it is needed;
- the opportunity to check and challenge your story;
- credit history code;
- necessary certificates.
- If you have problems servicing your debt, try to find a common language with the bank's credit specialists. Be honest about your situation and ask for advice.
- Propose a reasonable mechanism for debt restructuring, credit holidays(deferment of payments on the “body” of the loan) or replacement of currency (for a foreign currency loan).
- Check with the bank about the full debt as of a certain date - the amount of the principal debt, current and overdue interest, commissions, fines and penalties.
- Pay at least some amount to repay the loan.
- Be prepared for the creditor to go to court. Weigh your chances in this situation with a lawyer.
- Get ahead of the bank if your debt parameters qualify for bankruptcy. Get legal advice, incl. and in court at the place of your registration - district or city.
Selection of a loan by parameters
Are you afraid you've been blacklisted? bank debtors for non-payment of a loan? Probably because you don’t want to be turned away at customs when traveling abroad... Or because the refusal of a loan from various banks haunts you like the sword of Damocles. Let's figure out whether there are such databases of defaulters at all and how to find out if you are a member of one of them.
There are two ways to find out if you are on the blacklist:
— look at the official website of the FSSP through the general database of debtors;
— check your credit history.
Bailiffs database
If it's on you enforcement proceedings, then it is in common base— database of enforcement proceedings. You can find out if you are a member through this form .
Enter your personal data (territorial location and full name) and voila... This data became publicly available recently after the State Duma adopted the relevant amendments to the federal law“On enforcement proceedings.”
On the one hand, a unified database of debtors for loans, taxes and other debts to the state is very convenient not only for ordinary “earthly” inhabitants, but also for those who issue loans to these ordinary people... That is, for banking organizations, for which this is a very good opportunity to determine reliability future borrower.
On the other hand, this information becomes available to almost everyone, which to a certain extent violates human right to personal privacy.
Video dedicated to this issue...
Credit History Request
3. You can do this for free once a year. You can pay as much as you want: the price ranges from 300 to 1000 rubles. It would also be a good idea to read whether it is possible via the Internet.
Request a credit rating
Our portal makes it possible to check the Kyrgyz Republic of yourself or any other person who has consented to the processing of personal data. All transmitted information is strictly confidential!
Attention! The service is paid. The cost of the service depends on your region.
Will they be released abroad?
It should be noted that your concern about problems when traveling abroad is completely justified. According to data from 2010 alone, almost 300 thousand people were unable to travel abroad due to debts to the state. And in seven months of 2011, more than 230 thousand.
Agree, the amounts are impressive. True, they also include alimony defaulters, rent debtors and tax evaders. But the percentage of debtors on loans also takes place.
HOWEVER... Don't get scared ahead of time. Even if you end up on the blacklist of loan debtors, this does not give anyone the right not to let you leave Mother Russia.
It’s a completely different situation if you brought your relationship with the bank to court, lost and the bailiffs accepted your case for enforcement proceedings. Then you should forget about traveling abroad for a while...
On the other hand, if you have money for a trip abroad, then somehow scrape together to pay off the debt 😉
By the way, don’t be surprised if you suddenly came to your senses, paid off the overdue debt and still weren’t allowed to go abroad. The fact is that, as usually happens in our country, information about your virgin purity will not reach the bailiff service immediately, but over a certain period of time (it’s better to play it safe and pay for everything a month before the trip).
Let's summarize. I’m already tired of writing that you shouldn’t go to extremes... But unfortunately the facts are that until the rooster bites... Guys, try to pay on time! Situations are different, but decisions at a difficult moment can also be made completely different...
Good luck to everyone and enjoy your holiday abroad 😉
If you found this article useful, share the link to it on your favorite social network...
Also read on this topic:
____________________________________________________________________ ___________________________________________________________________It is better to repay debts on time, because this is the only way to avoid problems and make your life a little calmer and simpler. But, if for some reason you have doubts about your credit history, you can look for a blacklist of bank debtors and see for yourself.
This simple action will relieve you of torment and help you understand why it is so difficult to take new loan. In addition, it can be useful for those who are not yet planning to take out a loan, since with its help you can find out about all the accumulated debts and unpaid fines.
If there are any, you should not put off repaying them for a long time; it is better to do it as soon as possible, so as not to run into trouble later and not become a party to legal proceedings.
Considering the above, it becomes obvious why it is so important to monitor your credit history and check the coverage of past debts. But how do you know if everything has been paid? Where to check your credit history in 2018?
How to find out about accumulated debts?
First of all, when considering the question of where to get information about unpaid loans and accumulated debts, it is worth clarifying that sometimes the process of obtaining such information takes time. Therefore, it is worth sending requests and starting to look for information in advance, so that later it is not too late.
There are 3 main ways to view blacklists of debtors and clarify your credit history:
- contact the bank where the loan was previously taken out;
- check in database federal service bailiffs;
- send a request to the credit bureau.
Each method described has its positive and negative sides and reveals only part of the information about debts. To see more than just credit histories individuals, blacklist and information about loans, but also to clarify information about fines, unpaid alimony or other debts, it is better to use at least two of the presented methods. This is the only way to obtain all the necessary data, since in all other cases the information will not be complete.
List of debtors who are prohibited from traveling abroad for 2018
Each time, issuing a new loan, the bank collects information about its client and opens a file on him, in which every detail important for the loan is entered. Later, all information about the loan and payments made is transmitted to the credit bureau. It is this bureau that everyone turns to credit institutions to decide whether the next borrower can be trusted.
But it’s no secret that each bank maintains its own credit history and collects its own personal dossier on clients. Usually it is this information that turns out to be decisive when making decisions on issuing loans.
Of course, only some bank employees have access to such dossiers, and its disclosure is strictly prohibited. But every borrower has the right to receive information about his debts and loans, even if they are fully paid and closed. To do this, you need to visit the bank and request your credit history. You should have 2 documents with you:
- passport;
- loan agreement (if any).
Some banks provide information about debts on their websites in the user’s personal account. Naturally, to enter Personal Area, login and password required.
In addition, some collection bureaus also collect their lists of defaulters. But only those who have had to deal with the activities of collectors can gain access to them. That is, you will not be able to see the list of debtors on the website of the National Debt Collection Service. Its publication violates the rights of borrowers and is prohibited by law.
National Debt Collection Service, official website, list of debtors
The next way to get acquainted with the accumulated debts is to contact the federal bailiff service. By contacting this organization, you can see the black list credit debtors by last name for free. Get necessary information can be done in two main ways:
- by visiting the FSSP in person;
- by requesting information on the organization's website.
However, the second method is much simpler and more effective. To use it, you just need to go to the official website of the institution, and then indicate your last name in the form specially available for this. It is located in the most prominent place on the home page of the site.
After entering your last name, all you have to do is enter a short code, which will be indicated right there, after which you can view the results of the check. There are 2 main possible answers. The first will indicate that nothing was found in the database, which means a complete absence of debts, and the second option will contain a table with all the basic information about debts.
It is worth knowing that the website of the Federal Bailiff Service is the only place where information about debts and debtors is publicly available. In all other cases, it is strictly confidential, and only persons established by law and the debtors themselves can familiarize themselves with it.
Credit Bureau
The last and most comprehensive way to check is to query the credit bureau database. Such bureaus contain absolutely all information about credits and loans. All information about payments made and late payments is entered here.
You can get your credit history in the following ways:
- by filling out an application on the Central Bank website;
- by sending an application by mail;
- by contacting a notary;
- using the services of a credit history bureau (specified in the register credit bureaus TSB RF);
- through credit organizations.
Each method indicated does not contain anything complicated. To use them, you need a passport, phone number and email. In addition, in some cases money may be required (notary services are not free).
In the BKI you will not be able to see the black list of debtors for loans from Russian banks, the names of unreliable borrowers and other similar information. As stated earlier, it is not subject to disclosure. But on the other hand, you can get acquainted with your own credit history and find out if there are any unpaid loans that have somehow been forgotten. At the same time, a request for a credit history is free if you send it no more than once a year.
Why is it worth knowing about your debts?
Money matters require special care and attention. You should be aware of your debts and be careful to ensure that they are paid on time. Otherwise, you may face the most unpleasant consequences:
- transfer of debt to collectors;
- ban on traveling abroad;
- refusal to issue new loans;
- high interest rate And small amount future loan;
- withholding part of the salary to pay off the debt;
- seizure of accounts and property.
All these troubles can overtake someone who has not followed the timely payment of debts and does not consider it necessary to pay his bills. At the same time, meetings with collectors and problems with obtaining new loans are possible after minor delays.
All other consequences of uncovered debts can occur only after taking the appropriate court decision. But it is important to know that, depending on the amount of debt, most of these decisions will be made through the issuance of a court order. It is worth remembering this for debtors who have not repaid their loans on time and are located abroad, since issuing a court order does not require the presence of the defendant at the court hearing, and the time for appeal is minimal.
Having a large amount of debt bank clients is the result of affordable and fast loans. Not every borrower can calculate their financial resources to make monthly payments.
If he accumulates loan obligations, information about him is entered into the bank’s blacklist of debtors. Entering data there threatens the debtor with many problems, in particular, bad story lending.
New law
The need to adopt a new law on loan debtors has been brewing for a long time. Indeed, in difficult conditions financial situation Many people are simply unable to pay off their loans on time.
Banks often engage collection firms to collect debts, and they, in turn, do not always behave loyally towards debtors. The law limits the list of measures of influence on the debtor if the matter reaches collectors.
According to the new law, all collection companies must register with a special state register, and carry out its activities on the basis of strict regulations.
Loan debtors become more protected in their rights. Collectors do not have the right to disturb them with their calls in the evening and at night (from 20-00 to 8-00 from Monday to Friday and from 20-00 to 9-00 on Saturday and Sunday).
The frequency of communication with debt collectors is limited to a maximum of eight times a month, twice a week and once a day. A debt collector can have no more than one personal meeting with a debtor per week.
Also, banks on whose behalf collectors work are required to obtain the borrower’s consent to writing, while he has the right to refuse personal communication with collectors, and authorize his representative to do this. Compliance with these requirements is strictly monitored, and violations are subject to heavy fines.
Video: Delays
Last name data bank
In order to make sure that your name is not on the list of loan debtors, there are several proven methods. For example, you can find out this information from the bank where you are going to apply for a loan (from bank employees or on the bank’s website online). You can check your name at the Credit History Bureau (BKI), which stores data on all credit histories.
It is important to remember that you can receive information from BKI once a year for free, but you will have to pay for additional requests. You can also contact the Federal
The Bailiff Service (FSSP), which maintains a list of those loan debtors whose case has already reached the court, and a ruling was made in favor of the bank. The FSSP also provides information on its website.
Blacklist of loan debtors
Every Bank and other financial institutions that want guaranteed repayment of their loans try to protect themselves from unscrupulous borrowers. This is why blacklists of loan debtors are compiled.
These lists record personal information the borrower and his compliance with the loan agreement. Basically, debtors are classified into main groups: willful defaulters, late payers and persons who provided false information.
Clients who are blacklisted are severely limited in the services provided by the bank. The most important thing is that the bank can refuse to issue a loan to such a client. Sberbank's debtor database marked the beginning of the formation of blacklists.
What types of lists are there?
There are different lists - formed in the banks themselves, using special programs to take into account the quality of fulfillment of obligations by payers, as well as those officially formed in single base credit histories.
Black lists of debtors also come in the following types:
- Your private lists in bank offices.
- Lists of debtors sent by the court to the bailiffs' departments by court order for execution.
- Lists of debtors in the credit history bureau.
- Transferred to collection agencies.
No one can prohibit bank employees from compiling their own list of debtors. The only question is how widely this list of debtors can be published.
Normal banking organization will not give the borrower any data even about his lending history. Disclosure of such data is punishable by the law on the protection of secrets, the observance of which is guaranteed by Article 24 of the Russian Constitution. A personal secret about one’s financial status ceases to be so only by a court order.
The role of NBKI
National Credit History Bureau (NCBI) - collects and systematizes information on loans from all financial structures. The database of this organization stores absolutely all information about creditors and their repaid and outstanding loans.
An important aspect of NBKI's activities is the creation and modernization of risk management of credit institutions, providing them with reliable information. The bureau has no analogues in Russia and actively cooperates with international colleagues. Provides information like financial institutions, and physical persons.
Rights and obligations of debtors
All rights and obligations of debtors are clearly stated in the loan agreement. The main responsibility is timely payment.
And the rights are the protection of personal data, the right to provide complete and transparent information about the bank, the right to refuse to communicate with representatives of collection firms.
Possible sanctions
There are certain sanctions for debtors:
- they cannot get a new loan from other banks;
- they have difficulty refinancing existing debt;
- they cannot be a guarantor for a third party loan;
- seizure of bank accounts;
- ban on leaving the country.
Can they take the apartment?
The most important thing to remember is that the bank has the right to take away an apartment for debts on loans only by a court decision.
The court can make such a decision, guided by the following criteria:
- the amount of debt is equal to the cost of the apartment;
- This is not the debtor’s only apartment and no one except the debtor is registered in it;
- The apartment is collateral for the loan. If children are registered in the apartment, then it is mandatory to obtain permission from the board of trustees.
As practice shows, such events as repossession of an apartment are a rather infrequent occurrence. More often they agree on debt restructuring or payment with other property.
How can I find out if I am a debtor?
There are two ways to find out your status:
- At a bank branch or online on its website.
- At the Credit History Bureau online or by making a request to the BKI database.
What to do if this is the case?
Even if a person has been blacklisted as debtors, this can be corrected. By following these steps, you can restore your good reputation and successfully use banking services in the future.
The most important thing is to pay off any outstanding debts as quickly as possible, taking into account all fines and penalties. Next, provide, if necessary, payment receipts to the FSSP so that they remove the case from their records.
In the process of solving these problems, it is imperative to maintain a dialogue with bankers, collectors and bailiffs, informing them of your intentions. This will be a definite advantage for you.
What threatens me?
The first steps of bank employees aimed at informing the debtor about the need to repay the debt are periodic information reminders in the form of SMS messages and phone calls. Next, the bank's security service and, possibly, a collection company will get involved. And they can come to work and to the debtor’s home.
The bank may demand confiscation of your property. It can write off money from your other accounts, including salary accounts, to repay the loan. You may be restricted from traveling abroad.
How to fix the situation?
It is imperative to put things in order. After all, if it so happens that there is a loan debt, then it is best to resolve this issue in the early stages. Ideally, it should not go to trial.
You can contact the bank with a request to restructure the loan or ask to revise the payment schedule. Many banks are willing to accommodate their clients (Sberbank, Home Credit, Alfa Bank and others).
Should relatives pay?
Many people are interested in the question: “Should relatives pay off loan debts?” The answer is simple - only if they were the official guarantors for this loan.
If you are planning a trip abroad, make sure in advance that all loan debts are paid off. Be sure to make sure that you have been removed from the blacklist, as this process can take from one day to a month.
If you need information from the BKI, you can even receive it by mail by sending a corresponding request, executed by a notary. No problems or difficulties of the borrower are an argument for delays.
If you do have to deal with debt collectors, remember that you need to remain calm and self-controlled. Respond correctly to any threats and pressure from them. It would be reasonable to point out temporary financial difficulties. Make it clear that you plan to pay your bills and are looking for funds to do so every day.
Legal assistance
Often the bank offers assistance to debtors. They may be given holidays. This happens in emergency situations. You can also get legal help.
That is, you will be provided with assistance in working with documents, working in court, and much more. There is an option to get any type of consultation. You can also join a credit union. That is, this is a union that deals with issues related to loans.
If your rights are violated by debt collectors, you don’t need to be afraid of anyone, you need to act. File a complaint with the FSSP, Central bank or the police. You can seek help from qualified lawyers.
Blacklists of loan debtors still exist in Russia. Anyone who does not pay off their loans runs the risk of being included in them. And this already entails a lot of troubles. But it is better to never be included in such lists, but to be a conscientious client of the bank.