If you are a customer of a non-bank company and you have decided that you do not need it, read our article and find out in what situations it will be possible to terminate the loan agreement.
Unexpected expenses, lack of financial support or the possibility of help from family and friends, a profitable investment – these are just some of the many reasons why Poles take out loans. For many of them, support from a bank or a company providing this type of service is the last resort. Very often, however, it happens that the borrower immediately after signing the contract or a little later regrets his decision.
There is a way out of almost every situation. Similarly, in the area of the bed um, re kt yellow are regulated by the relevant laws. Companies are tempted by loans with low interest and total costs, many of them inform about payments only when signing the contract. A person in need of extra money, however, goes to the whole procedure of emotions and not thinking about the consequences that can meet her, if you do not read the document thoroughly in bed. In this case, the law provides some effective solutions, for example, complaint or waiver of the loan agreement. In the following text we will focus primarily on the second possibility.
Termination of the loan agreement and complaint
These two concepts are often confused. Meanwhile mean something completely different, zar yellow nce of dictionary, as well as in practical terms. A complaint is the buyer’s right to repair, replace or return a product based on the obvious non-compliance of the purchased goods with the contract. The consumer must take into account that in order for his complaint to be accepted by the seller, evidence is necessary that he is right. Such a case may involve any kind of loan, from that granted in installments, by winding yellow tkoterminowe commitment, through to long-term receivables. If the terms of the loan are different than those contained in the agreement.
Termination = withdrawal from the loan agreement
Termination and withdrawal are the same concepts, so in the following we will give them interchangeably. The essence of this possibility is simply giving up the service or good. While as part of the complaint, the borrower may receive a new service in place of a faulty or incompatible with the arrangements, termination of the loan agreement shall result in resignation from the service within a specified period. For such a step has the right to every customer, no matter area ó d. There must therefore prove their case or to explain why termination is made.
Termination of the loan agreement – when is it possible?
Poles are more and more indebted. Financial market experts have been paying attention to this for a long time. It is no wonder then that there are more and more companies offering their services in the loan industry. Our compatriots are happy to use them, they do it in addition spontaneously, and after signing the contract they are aware, however, that either they do not need the money, or there is a better option for another lender. When it comes to resigning from the loan, the customer has – according to the law – 14 days from signing the contract with the company.
What formalities should be completed?
Termination of the loan or loans associated with the implementation of several key step in the bed. First, the customer must fill in the form attached as an appendix to the agreement. If there is no such document, he can find it on the website of the non-bank institution or prepare a simplified application himself. It should contain the following elements: title in the style of “withdrawal from the contract”; a statement of termination on the basis of the provision of yellow wo consumer credit; and a handwritten, legible signature. It will also be necessary to mention the date of the conclusion of the contract and other basic information related to it, such as the amount of the loan, the period for which it was granted or the date of receipt of the money on our account.
Termination of the loan agreement – what to watch out for?
Even when submitting the cancellation form, the customer should remain vigilant. The law stipulates that the entire termination process is free for him. The borrower must ZWR Now these yellow attention to it and do not agree to any commissions, kt yellow that can be re pr bed bować download it from the company. The right to terminate the contract is entitled to regardless of how and where the agreement was signed, that is, it concerns also carries yellow on loans taken online.
Time to return a measure of the
The borrower usually has up to 30 days to OEP price resulting from the loan agreement money. If you do not give a measure of the, a loan company may refer the matter to Adu’s and should enforce its dent using the recovery procedure. In this case no yellow bailiff has the right to take the property of the borrower, in addition to the data reaches a record of the debtor in bed in bed, for example. To the bases of information bureaus, ERIF or KRD.
Termination of the loan by the bank
Most often it so happens that the cancellation of the loan agreement skł ada after życzkobiorca. However, it is possible that the contract is terminated by a banking or non-banking institution. It is rare, however. What can be the reason for this? First of all, the lender’s doubts about the customer’s ability to pay back. This is mainly the case when the institution at the time of the contract was not aware of the financial problems of the applicant. This type of procedure is specifically regulated by the provisions of the Civil Code.