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التخلف عن سداد مدفوعات بطاقات الائتمان بسبب فقدان الوظيفة

لقد تخلفت عن سداد مدفوعات بطاقة الائتمان خلال الأشهر الخمسة الماضية. في الوقت الحالي، لدي وظيفة ولكن لدي بعض الالتزامات الأخرى ذات الأولوية في بلدي ولا يمكنني دفع الحد الأدنى للمبلغ هنا.

كان الحد الائتماني الخاص بي 30,000 درهم والآن أصبح المبلغ المستحق 40,000 درهم. البنك يتصل بي طوال اليوم تقريبًا.

ماذا ستكون العواقب إذا استمريت في عدم الدفع؟

إذا قمت بدفع الغرامة، هل سأرتاح من هذا العبء؟

هل سيرفع البنك قضية مدنية ضدي؟ إذا كان الأمر كذلك، فماذا ستكون العواقب المترتبة على ذلك؟

Aceptive Legal Consultants
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2 May 2020, 08:57

Dear questioner,

Due to continuous default on credit card payment, banks will file a criminal case against you which you can close by paying fine.

Later, banks will file a civil case for the recovery of the credit card dues. The time period between criminal case filling and civil case is normally 2 - 3 months.

If need be, kindly contact us by phone for a detailed discussion or write to us at our email for further assistance.

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Dar Al Haqooq Legal Consultancy
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2 May 2020, 10:39

Dear Client ,

Thanks for your query.

I hope you are fine.

By becoming a defaulter of the bank payment, the bank can file a criminal case against you in the police station which you can clear by paying fine.

But the bank has the right to open a civil case as well.

For further information, you can write an email to us or call Whatsapp. We have a good team of lawyers to handle all kinds of cases.

I am happy to help you. You can fix a personal meeting at our office.

Thanks and regards,

Abdul Wahied

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