Credit bank national bank and loan for person

Being in a situation of banking prohibition is not obvious. It is really difficult to get a favorable solution for granting credit in traditional banking institutions. However, there are solutions to get funding. Being ‘banking forbidden’ means being registered with the Bank in Belgium. When you find a credit application, the lending authority is compelled to consult this database, if you are registered, you will feel considered a risky client. at the goodwill of the financial body.

Each credit subscribed must be registered with the Central Credit 

Each credit subscribed must be registered with the Central Credit 

Do not refund your credit for more than two deadlines will necessarily require your registration with the Bank in Belgium. The consequences can be unfortunate. We are at your disposal for any further information.Show at the Bank in Belgium Did you know that: Each credit subscribed must be registered with the Central Credit to individuals by your praetor organization.

The Centrale des credits aux particuliers is a division of the Bank in Belgium. The Central Office for Personal Credit is tasked with combating over-indebtedness. If you fail to pay your premium for 3 consecutive months, Your lending organization has the legal constraint to terminate your credit or loan agreement with the Bank in Belgium which will proceed to your registration.

When you are registered with the Bank in Belgium, your file leads to the litigation department of your lending organization that will try to find an answer with you to recover its money or, failing that, will start legal proceedings that may lead to the recovery of the balance of the credit unpaid on your property.

This may involve a seizure of your property and a public sale. If your credit is not cleared, you remain registered with the Bank in Belgium with the consequence that no credit organization (bank or broker) will be able to lend you any more money. You can not borrow anymore. Once you have settled your credit, the lending authority has the legal obligation to ask the Bank in Belgium to cancel your registration. 

After the regularization of your situation

money

Your date will be kept for another year on the summary but this will not deprive you to have a new credit. A lender may, however, take this into account in estimating your loan application. If you are unable to repay your credits within the year, you will be on the dark list for 10 years after the first payment date. since you will regularize your situation, even if it is after more than a year, you will be able to borrow again but will stay on the black listing.

Over-indebtedness is reached as soon as your words exceed your means. You are used as over-indebted when your debt ratio exceeds the legal level of 33%. The cause of over-indebtedness is often the overly crucial range of loans that inevitably lead to insolvency. This implies that you are no longer able to repay your debts, at least in the terms agreed upon by the contracts.

To survive your over-indebtedness, you have several options. The first is to enter into negotiations with your creditors to have a development that allows you to repay your loans in better conditions. This involves taking advantage of additional time or credit discounts. You can convince them by submitting a perfect recovery plan with the help of a mediator from the Public Social Welfare Center. Of course, the last word goes to your creditors. When your creditors refute your proposal, you have only one last solution.

This is a legal proceeding, kind of an amicable agreement with creditors

This is a legal proceeding, kind of an amicable agreement with creditors

A loan mediator is mandated by the courts to analyze your case and propose its solution to the creditor and the judge. The solution may be a redeemed repayment schedule, a credit reset, or simply the cancellation of your debt. It is the judge who will decide in the end on the final solution to take, on the advice of the mediator.

Whether you have landed on the black listing of the NBB or you have all the creditors on your heels, you now know that there is a possible outcome to leave the over-indebtedness, provided you put yours. create and file an over-indebtedness file. This is a legal proceeding, kind of an amicable agreement with creditors.

A loan mediator is mandated by the courts to analyze your case and propose its solution to the creditor and the judge. The solution may be a redeemed repayment schedule, a credit reset, or simply the cancellation of your debt. It is the judge who will decide in the end on the final solution to take, on the advice of the mediator. Whether you have landed on the black listing of the NBB or you have all the creditors on your heels, you now know that there is a possible outcome to leave the over-indebtedness, provided you put yours.

This is a legal proceeding, kind of an amicable agreement with creditors. A loan mediator is mandated by the courts to analyze your case and propose its solution to the creditor and the judge. The solution may be a redeemed repayment schedule, a credit reset, or simply the cancellation of your debt. It is the judge who will decide in the end on the final solution to take, on the advice of the mediator.

Whether you have landed on the black listing of the NBB or you have all the creditors on your heels, you now know that there is a possible outcome to leave the over-indebtedness, provided you put yours. A loan mediator is mandated by the courts to analyze your case and propose its solution to the creditor and the judge

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