Verification in debtors’ bases.

 

It is known that every person deciding to take out a loan will be checked by a credit company. The verification is very thorough and conducted primarily by banks. In the case of institutions granting so-called “Payday loans” the procedure is a bit less complicated. However, we must reckon with the fact that we will be verified with the help of debtors’ databases. What are they and what does the whole procedure look like?

Debtor database – what is that?

Debtor database - what is that?

There are several data sets in Poland in which employees of loan companies can check our credibility. This is where our data is verified. According to information from the Ministry of Development, there are five such institutions in the Republic of Poland. Their offices are located, among others, in Warsaw, Wrocław and Kraków. These registers serve as a platform for the exchange of information between banks and other sectors of the economy. They include not only private individuals, but also small companies and large enterprises.

ERIF database – one of the largest economic information offices

ERIF database - one of the largest economic information offices

This institution is an integral part of the HOKIE Capital Group. It allows a variety of consumers to check who is on the list of debtors. Most often such developers are subject to developers or travel agencies. Why? This is where the largest money is usually located, and because they are very large amounts, everyone wants to be sure that they will not be lost. That is why vacationers and investors prefer to be extremely cautious when spending their money. Fortunately, the ERIF database allows them to do so without unnecessary formalities and in an extremely accessible way. Thus, the risk assessment process becomes a simple operation that can be managed by anyone, even those who do not know finances.

Below is a list of several companies that allow their clients to receive financial support despite an entry in some databases. If one of the offers is interesting for us, just click “Submit Application” and we will be transferred to the lender’s website.

ERIF database – there are information about various business entities

ERIF database - there are information about various business entities

Often there may be such a situation that during the search of data we come across an unpleasant surprise. It may turn out that among the debtors there is a person with whom we took out a private loan. What then? You should take appropriate action that will allow us to end cooperation with this person. It may turn out that being dependent on her will cause us considerable trouble. The good news, however, is that you can get to the census even after a small insolvency. An example is not paying a fine or just a minor offense. Let us add that for some people appearing on the list becomes an impulse to pay off outstanding liabilities. A serious entrepreneur cannot afford to lose his clients’ trust.

Verification in the debtor’s database

Verification in the debtor

Most of us think that these statements are primarily used by lenders. These people are actually right, because it really is. However, this form of assistance is also used by the clients of companies that lend money at interest. They can then check information about themselves. It is worth building such awareness of how lenders perceive us. Then we gain certainty as to what arrears we have to compensate. Most often, we don’t even realize that we have to pay any outstanding fees.

Meanwhile, monitoring ourselves, we will be sure that it is a good idea to take another loan or credit. In this way, we will build financial awareness and borrow reasonably. Thus, we will implement the habit of borrowing safely. It will also be much easier to check the institutions with which we want to enter into cooperation. This way you will avoid irresponsible decisions. Most often they weigh on the course of actions taken in the future.

Status in the ERIF database – when is it worth checking?

Status in the ERIF database - when is it worth checking?

There are many situations in which it is worth checking if and how we have been marked in one of the largest sources of data on debtors. First of all, you gain awareness about who made the entry about us. We may be completely unaware of this, but it will be necessary to bear the consequences of arrears. It is also worth seeing whether the company we owed the debt to has deleted the post about us after it has been settled.

It often happens that these data are not updated on a regular basis. Hardly anyone is aware of this, but we will also use the help of economic information bureaus if someone wanted to use our ID document to take out a loan. This can happen, for example, after being robbed. Then it is much easier to assert your rights.

Who can check the status in the ERIF database?

Who can check the status in the ERIF database?

Let’s start with what the consumer gains through access to BIG databases. In the case of ERIF, we receive round-the-clock access to the list of indebted persons, as well as data on reliable companies and institutions. If we are going to cooperate with a contractor, we will easily check it in the database. Thanks to this, we will be sure that this is the right choice. In this situation, you should register for free.  It is worth noting that checking your profile in ERIF costs nothing if the report is downloaded no more than once every six months. However, as consumers, we cannot enter an entity on the list of debtors.

Other rules apply to corporate clients and companies. They can not only check information on contractors, but also use the tools offered by ERIF to obtain receivables. These are among others:

  • preventive seal – it is used to inform a colleague about an event in ERIF or to issue a debt to the stock exchange for sale,
  • request for payment – that is, information about the intention to enter the debtor into the database in order to urge settlement of the invoice,
  • adding an entity to the debtors database – applies to both individual and corporate clients’ debts,
  • notification about adding to the ERIF database.

The ERIF database is used, among others, by: financial institutions, city and commune offices, telecommunication and television service providers, associations and foundations, entrepreneurs from all industries, and consumers.

Who can check the KRD?

Who can check the KRD?

The KRD database, on the other hand, guarantees us as individual clients not only the opportunity to check their data in the database, information about companies, but also to enter the debtor in the database. In such a situation, all you have to do is register in the system and then fill out the short form in the “Adding” section. After sending the application by post, we will receive a contract in which we accept all conditions related to the provision of information on debt in the National Debt Register.

Then, we send one copy of the document back to the debtors’ database together with a photocopy of the document confirming our identity. The next stage will be informing the debtor about the intention to enter into the register. If the debt is not settled within two weeks, the KRD will provide information on the debt after re-approving the request for entry. However, we must remember that after paying the debt we are obliged to update the data in the system. We should do it as soon as possible, no later than 14 days from the date of repayment by the debtor.

How much does verification – KRD report?

How much does verification - KRD report?

How much do KRD services cost? The price for downloading the report about yourself at the office is PLN 7.50. If we decide to deliver the document by post, it will amount to PLN 18.50. The cost of the statement regarding inquiries about us is presented in the same way. We can also use both of these services in the package. In this situation, the fee for downloading information at the company’s headquarters is PLN 15, while in the form of a letter PLN 26.

Who can check BIG InfoMonitor?

Who can check BIG InfoMonitor?

The BIG InfoMonitor database enables both consumers and entrepreneurs to access company data. To check information on the contractor’s credibility, you do not need to have a signed contract with the economic information office. However, you will need to set up a BIG user account. If you have any, just make a payment of PLN 30, and after confirming it download the Entrepreneur Report. If we are interested in information about ourselves, we get access to the statement for free, subject to using the service no more than once every 6 months. Otherwise, we will be required to make a payment of PLN 10.50 once.

On the other hand, anyone can enter the debtors database provided they have a special agreement with BIG InfoMonitor or an enforcement title from the court. We will then need the following information: ID number and PESEL or NIP number of the debtor. It is worth remembering that in the case of consumers, the debt must be at least PLN 200, while entrepreneurs have a limit of PLN 500. The entry will be recognized if the payer is late with paying the invoice 30 days and the next 30 days have passed since the notification of the intention to enter. The entry fee is PLN 69, and for notification by registered mail PLN 6, ordinary PLN 4. Let’s not forget to update your data within 14 days of settling the debt. If we do not do this, we will be subject to a fine of PLN 30,000.

Verification of debtors’ bases – what do we gain from it?

Verification of debtors

  • We are sure that our contractor is reliable and has no arrears in financial liabilities,
  • We can check information about you regarding late repayments,
  • Information on inquiries regarding our data,
  • Access to data provided to financial institutions,
  • Security against extortion of a loan or other financial product on our data,
  • Ability to speed up the debt recovery process.

Summary status in ERIF verification database

Summary status in ERIF verification database

By checking ourselves, we can download a report about us. Such verification may take the form of a standard, paper sheet or electronic statement. It is important, however, to fully activate your account. Then we will gain access to the most important data. In this article we have shown that it is worth using such tools as the debtors database. It is a source of many important information. They are useful in many different situations. Let’s remember not to fall into financial trouble.

 

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Loans protested against assignment of the fifth

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First house mortgage simulation

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Check if you have to inherit the debt.

What does the inheritance route look like?

Inheritance of inheritance is very complicated in Polish law. It is therefore necessary to study this problem in depth. There is no problem when assets are inherited, thanks to which our financial situation will improve. However, what if we also get in debt. What are the procedures and do we always have to inherit debt? Inheritance rules are changing. We can inherit financial liabilities in two ways. The first way is testamentary inheritance. It is determined on the basis of a document that a loved one left us before his death. Usually, that’s where we find all the information about what we’ve gained and what costs we have to incur, and whether the deceased had any debt. Then we find out who is the executor of the will.

The second method is statutory inheritance. Then the basis for any arrangements are the provisions of Polish law – they determine the order in which the inheritance is acquired. After acquiring an inheritance (testamentary or statutory), we have 6 months to decide whether we accept or reject it. Regardless of the decision we make, it is good to make a statement before the court or notary public.

We always have a choice

We always have a choice

The situation of the heirs improved after October 18, 2015, when the amendment to the Act came into force, thanks to which we are protected by law against paying the deceased’s obligations. To put it simply – we do not inherit all debts, we only pay back what the property of the deceased is worth (the so-called inheritance with the benefit of inventory).

In what order do we inherit?

In what order do we inherit?

When the deceased did not leave a will or the heir indicated in it does not want to accept it, then the provisions on statutory inheritance come into force, in which the order of inheritance is as follows:

  • spouse,
  • descendants (children, grandchildren, great-grandchildren),
  • parents,
  • siblings and
  • descendants (children, grandchildren, great-grandchildren) of siblings
  • grandparents
  • stepchildren.

Adoption of inheritance

Adoption of inheritance

We will conditionally purchase it when it opens. We have made the appropriate statement that we accept it. Now it’s time for the application, which states that we are buying orchard. You should file it with the district court to which the deceased was subject in his last place of residence. The task of the district court is to identify the heirs, as well as to determine what shares each of them has in the estate.

Decline rejection

It is not that we have to accept the inheritance, we can reject it, then it passes to further heirs who have not renounced inheritance. Another person also has 6 months to submit a rejection declaration, thus expanding the circle of those who inherit “assets”. And so it can take a long time until someone provides a letter of renunciation of the inheritance.

Inheritance by minors

Inheritance by minors

It is not our duty to pay someone else’s liabilities. We have the right to avoid related problems. However, it is necessary to do it in such a way as to protect not only ourselves, but also our children from the consequences of this decision. You must first give up within six months of receiving information about the inheritance. Then a new circle of statutory heirs is established. Probably there will be younger representatives of the family. You should then submit a document on their behalf confirming that they also do not accept the inheritance. In this way, the proceedings are unambiguously closed.

Here, the case is more complicated, because parents can reject an inheritance only with the consent of the guardianship court, which gives permission to manage the assets of the minor and reject the inherited debt. Unfortunately, it happens that the court’s decision is issued later than the statutory six months. However, this period may be extended in this case. A parent or guardian who fails to comply with these formalities will lead to the child inheriting with the benefit of inventory. However, we remind you that after changes in the law, it is responsible for the financial obligations of the deceased only up to the amount of property that remained.

What should the statement contain?

What should the statement contain?

The declaration of acceptance or rejection of an inheritance should contain information about the testator:

  • first name and last name,,
  • date and place of death,
  • last home address,
  • what is the inheritance (will or statutory inheritance),
  • list of statutory heirs,
  • death certificate.

In 2009, an amendment to the inheritance act, the circle of heirs was also divided into groups. When there are no people inheriting from one group, the next is taken into account.

  • Group I – the spouse and children of the testator and the descendants of the child who has not survived the opening of the inheritance (they are replaced in his place),
  • Group II – the testator’s spouse, the testator’s parents, his siblings (if any of the parents has not survived the opening of the inheritance) and the siblings’ descendants (in place of the deceased siblings),
  • Group III – if there are no heirs from the first and second group, the testator’s grandparents, descendants’ grandparents, stepchildren (stepchildren’s children)
  • Group IV – the last possible heir is the commune of the testator’s last place of residence or the State Treasury.

No statement and what’s next? Example

No statement and what

Let’s assume that we didn’t take any position in the given time. What legal consequences do we have to account for? It is then considered that we have accepted the inheritance with the benefit of inventory. This means that we have a limitation on liability for debts. We must then regulate them to the value of the assets of the estate (e.g. real estate, car). Inheriting a plot of $ 200,000 and a debt of $ 250,000, we only have to pay the difference to the creditor as much as the value of the plot. After the changes, we do not have to worry about the bailiff’s auction of our personal assets for debts.

Obligations of an heir

Obligations of an heir

The moment we accept the inheritance, we must learn everything that the deceased has left behind. Therefore, we should make every effort to find out what creditors’ claims we have to satisfy. We are obliged to make amends to all who demand money. All this is regulated by separate legal provisions. All doubts are best dispelled with the help of a legal advisor. His services are sometimes very expensive. We can then use the payday loan for free and pay the officer.

Inventory list – who prepares?

Inventory list - who prepares?

When becoming responsible for the debt of a deceased person, we must ensure that we prepare a document in which we show what is part of the estate. Fortunately, more than one person can take up the register. It increases the likelihood that it will be possible to reveal all the ingredients of what a relative left behind. This inventory is also becoming more reliable. Then he must be lodged with the court or notary. Then the relevant judgment is declared final.

Debt in marriage and divorce

Debt in marriage and divorce

What happens when the spouses have taken a loan together and decide to divorce. Then what? According to Polish law, these persons are responsible for their joint debts during and after their marriage. This also applies to property sureties for data only by one of these persons. Joint liability also applies to debts secured by a mortgage on joint property. Such obligations should be paid even after separation. Similarly, for those that arose from the fault of one person, but with the consent of the other. In the case of other arrears, each ex-partner pays them himself, as he is responsible for them as an entity. This is due to the termination of joint property. Importantly, the creditor can obtain his claim from the assets of only one former spouse and his payment. He is also entitled to seize funds obtained from another source of income. All disputes in this regard will certainly be resolved by the appropriate court, which may issue an appropriate judgment in the case.

Property waiver before the debtor dies

Property waiver before the debtor dies

Do you have a debt that is difficult to pay back? Are you struggling with this and worrying about what will happen in the event of your death? You don’t want to worry about your family. You can deprive them of trouble. The heir may waive his rights to succession, but he must do so during the lifetime of the testator and in the presence of a notary public who will draw up the relevant act.

Remember that this option only applies to statutory inheritance. If a will was made, the waiver does not apply.

We waive both indebted assets and the right to a reserved share. Importantly, this waiver also applies to our children and grandchildren. Until the testator is alive, you can withdraw the contract in which you resign from the inheritance. Debt inheritance is quite a complex matter. Fortunately, there are ways to guard against its consequences. However, you need to take care of some important issues that we wrote about in this article. Then somebody’s outstanding loans and loans will not be our problem.