التحري عن دعوى محتملة للتوقف عن تسديد أقساط البنك - س وج - ليجال أدفايس ميدل إيست

Question

س: ككنت قد حصلت على قرض شخصي من البنك لمدة خمس سنوات. سافرت واستمريت بتسديد القرض. لم أعد أستطيع التسديد. أريد أن أعرف إذا كان هناك دعوى من البنك بحقي… ا: أوصيك أن تقوم بتسديد أي قسط مستحق عليك وإلا فإن البنك سيلزمك بكافة الأقساط مع الفوائد والغرامات أو التعويض بحسب ما هو منصوص عليه في عقد القرض…

Amany Jabari · Accepted Answer

Greetings, First: In case you are desirous to inform if there is a case raised against you by the bank, you can contact the bank as a first step and try to request from the bank's legal department an additional grace period, given that they have no obligation to grant it to you, but some banks do. Second: If you want to be informed about a possible case against you, provide a lawyer with your name national ID number to check that for you in the courts since you are abroad, or one of your relatives can do this for you. Third: Below is the procedures that the bank follow as per the instructions of dealing with the customers according to the provisions of justice and transparency in the Banking Law: Article (11) clause (A)- In case the customer defaulted on payments, the bank shall: Notify the customer and guarantor in writing to the address provided to the bank, within a period of thirty days thereof Consider all instalments due and explaining the procedures to be taken by the bank in case the customer didn't resume the payments Refrain from contacting any third person to collect information on the customer or the guarantor, unless authorized to do so. Article (11) clause (B)- In case the customer defaulted and failed to resume the payments, and in line with the applicable provisions in this regard, the bank shall commit to the following: Refrain from imposing any fees or commission after one year of the customer's default Not to impose a cut from the customer's or guarantor's regular income exceeding the permitted rate as per credit the policy of the bank, as per article (8) of the said regulations. Article (11) clause (C)- The bank shall explain his credit policy with a clear procedure for the debt rescheduling followed by the bank. This is regarding the legal procedures. Concerning the practical procedures, the bank does the following: In case the customer defaulted on more than three instalments, you shall be transferred to the legal department. Failing to comply, the file will then be transferred to the litigation lawyer to initiate legal proceedings.  In this case, the lawsuit may last from 3 to 6 months or one year maximum, and the court imposes a ban thereafter on you and any guarantor mentioned with you while signing the loan contract. The execution court then inspects any of your properties like a car or a house, and attach them to sell and give the bank the debited amount. Kind regards, Attorney Amany Al Jabari Know Your Rights Legal Initiative 0796049528

Questions & Answers