Russia

However, this does not mean that any delay in the payment automatically means that the bank will continue to avoid working with the customer. As explained Catherine Pokoptseva no one seeks to "educate" adults ruble immediately sue and sell collateral. One time delay payment for up to 30 days is generally viewed as a "technical" - the banks do have regard to the "human factor" in relation to customers and staff.

If the customer can not pay for a while for a good reason (hospital, misfortune in the family, or vice versa, the joy, for example, birth, mission, change of work), you must notify the bank. It is desirable to do so before the first non-payment: to bring the loan officer a written statement, a copy of a medical certificate, etc.

In any case, no need to wait for a call from the collection agency, is professionally engaged in the collection of debts, because if you do not pay debts of more than three months, the bank can give it to them.

When temporary difficulties in making payments, the bank at the request of the borrower can renegotiate the terms of repayment - to increase the overall maturity of the loan (because of the reduced monthly payments), reduce (or do not charge at all) and penalties for delay. Usually, the next loan so the customer will receive on the same basis.