Check debts from collectors by last name

Everyone's circumstances are different. After all, not only the borrower himself participates in the lending process, but also the lender directly, and sometimes the intervention of third parties can be traced. In order to protect yourself from possible surprises, it is imperative to find out the situation with possible debts. To do this, in this article we will provide detailed instructions on obtaining information on possible debts.

Why do I need information about loan debts?

1. Honesty and integrity . As parents taught everyone from childhood: you need to fulfill your obligations. If you received money as a loan, then of course you need to return it.
2. Tricks of scammers . If you are not sure whether you have a debt or whether you have repaid everything on time, then you may encounter problems when criminals, under the guise of collectors, ask you to repay the debt. If you know 100% that there are no debts, then you will not fall for scammers.
3. Identification of the actual fact of debt . In the event that you have not fully paid off with the creditor, then by learning in advance about the existing problems with the debt, you can correct the situation here and now. The most important thing is that timely identification of debt will help not to worsen your credit history, as well as avoid large penalties, penalties and interest on the balance of the debt.

In the case when you are sure of full payment and know that the loan obligations were closed down to the last penny, having learned the necessary information, you can go to court. And, if you do find out about the real debt, you will be able to pay the lender in a timely manner.

Online application

How to find out the debt in microloans? There are several ways by which you can accurately establish unfulfilled payment obligations. Nowadays on the Internet you often find such headings as, for example: “how to find out the debt on a microloan by. Microloan debt is not a reason to hide your head in the sand. How to reduce microloan debt. Restructuring as a way to reduce By filling out the form, you increase your chances of receiving promotional codes from microfinance organizations, and will also be the first to know about discounts and promotions.

Hi all. It turned out that a relative took out microloans and got into bondage. I had to pay it off urgently, but after some time. dngbnk.ru › Financial advisor. With the help of a microloan, gifts are given, birthdays are celebrated, repairs are done without sparing paints, and one’s battles on the financial front are described.

How to find out debts on microloans, what to do if debt arises, possible consequences in case of refusal to pay the debt. Correct behavior when creating debt. It is a fact that major players in the lending sector do not consider borrowers with a bad credit rating as potential clients, even without taking into account the lack of current debt. What to do if it turns out that you have unpaid debts on microloans? Some you may have forgotten about, others you haven’t even done, and this is the first time you’ve heard about them? The main thing is not to panic and act consistently.

When you need to obtain information on your credit history:

Naturally, there are only two circumstances that force you to turn to credit history bureau information to understand the situation.

I didn't apply for a loan . How surprised a person is when he is asked to close and fully pay for credit obligations that he has not formalized. No matter how actively law enforcement agencies work in alliance with the mega-regulator, the frequency of cases with false notifications from a false creditor about the need to close debt obligations does not decrease. First of all, there is no need to panic. All scammers rely on psychological pressure. Do not transfer any money anywhere or to anyone. Be sure to use official information channels and only then act.

In the case when you do not have any debt obligations and you receive a request to repay the loan, there are two options for the development of events:

• No credit money was received a priori, and the email sent demanding urgent repayment is used as intimidation. It was sent allegedly from a collection agency or the police with threats of huge fines. Such letters are designed for gullible people who immediately transfer money in a panic.
• The attackers somehow took possession of your personal information, passport data and received a loan product in your name. In such a situation, the only way to proceed is through legal proceedings.

The loan was received but not closed . Here, of course, the borrower himself may be at fault by losing sight of some small payments or commissions, which then go into arrears. Most often, these amounts are insignificant and can be paid easily.

Contacting the bank

You must contact the bank where you applied for the loan directly. If you have a debt to a credit institution, you must pay the debt and obtain a certificate of no debt from the bank. An account statement showing a positive balance can also be a guarantee of the absence of debt.

If you receive calls from a credit institution from which you have never taken out a loan, you may have become a victim of fraud. This should be reported to law enforcement agencies and the security service of the credit institution.

Where and how to find out about existing or non-existent loan debt?

1. BKI - credit history bureaus store all information about received debt obligations. The main catch is that not every such bureau can store information on your CI. In order to clarify which bureau has such information, you need to go to the Central Bank website, in the section dedicated to credit histories.
2. Contact with the lender . In order to clarify the reliability and truth of the information, it is better to independently contact the credit institution on whose behalf requests are received to pay off the debt. In the event that you actually applied for any loan product through a bank or microfinance organization, it is best to contact the regional representative office - a separate branch of the lender, in order to verify the fact that there is no debt. And in order to reduce interaction time, it is better to immediately have with you:

• full payment receipt,
• loan agreement
• and, of course, your own passport.

They must respond to your request, namely, provide you with the necessary certificate about the presence or absence of any debts.

1. Online banking . The fastest and most convenient way today is to check the current situation in an MFO or bank through an online service. Thanks to convenient and accessible “personal accounts”, each user can check the status of current and past debt obligations, the absence of overdue payments and find out all the necessary information without a personal visit to a bank or branch of a small lender, and this can be done even through a cell phone.
2. Interactive online consultation . If for some reason you forgot or did not even know access to your personal account at a credit institution, you can use the feedback form, which is available on the credit institution’s page. As a rule, all major sector participants must provide such a service. A written appeal is also beneficial because, unlike direct one-on-one contact with the manager, all correspondence will be recorded. Be sure to clarify the situation in detail and ask how exactly to obtain the information you need. In some circumstances, the bank may offer to provide the statement by mail, while other lenders may even send the statement by email.
3. Appeal to law enforcement agencies . In order to verify the absence or presence of open debts, you can check the situation on the official website of the Federal Bailiff Service (FSSP). It should be noted here that if you have missed one or two payments, the information will not yet be displayed in this service, since creditors resort to legal proceedings only after the third delay.

How to find out the debt in microloans?

In this matter, you can choose one of several ways to find out exactly the status and position of your own microloan. It is enough to contact one of the authorities and make the appropriate request.

• At the very beginning, it is enough to contact the microfinance organization where you previously or recently received a microloan. This is important in that it allows you to obtain first-hand information and in the event of a dispute, you will have confirmation that you contacted the financial institution. You can make a request either by coming to the company’s office or by sending a request via the Internet, in your personal account, after authorization on the financial organization’s website.

• The Credit History Bureau, or abbreviated as BKI, is where all the information about loans and microloans, previously issued and closed, is collected, so to speak, and all credit histories are stored, reflecting all financial transactions with borrowed funds. The request can be submitted in the form of an Internet request or a registered letter with an application in any form, attaching documents confirming your identity and certified by a notary. This service is free, but provided that you request an extract from the BKI no more than once a year.
• You can resort to the help of special online services - in this case, you deal with intermediaries, pay accordingly for such a service, but at the same time receive an extract from all bank accounts.

How to get rid of debt?

If, nevertheless, the fact is revealed that you really owe some amount, then it is best to immediately contact the relevant institutions to pay off the debt. The method for carrying out this process must be chosen based on specific circumstances. Let's say you are already at a bank branch and the manager reports a debt, then it is better to ask for a statement on the remaining amount of non-payment right on the spot and close the debt here and now. If you used online banking, then contact technical support in order to make truly correct actions for the full payment. It is better not to act at random, but to ask again 10 times, but you will certainly pay off with the lender.

In other circumstances, it will be necessary to find out exactly the amount of debt and find out the details for calculation. It is best to receive the receipt in hand and therefore pay through the institution's cash desk or through an ATM. The availability of certain payment methods depends only on the specific service. Before paying, please check all possible payment options.

In the event that time has already been lost and the organization has turned to court proceedings, then it will have to be present. Only after a verdict has been rendered and the final amount of the debt has been established, which will be accepted by the judge, can the debt be paid.

How to find out the debt to the bank

Advice from lawyers:

1. I want to find out if I have a debt to a connected bank.

1.1. Hello, Nadezhda. To do this you need to contact the bank. If the debt was collected through the court, you can look it up on the FSSP website. Type “Bank of Enforcement Proceedings” and check your debts.

Did the answer help you?YesNo

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2. I want to find out if there is a debt to the bank.

2.1. Good day! Contact the bank and request a statement of your account; you, as a consumer, do not have the right to refuse to provide information.

Did the answer help you?YesNo

2.2. Hello, You can find out your debts on the bailiffs website. If there is no court decision against you, contact the bank to provide a certificate of debt.

Did the answer help you?YesNo

3. How to find out the debt to the bank? Are there any lists of debtors?

3.1. — Hello, it’s not difficult to find out, get a loan statement and everything will be visible there. Good luck to you and all the best.

Did the answer help you?YesNo

3.2. Usually the bank itself finds debtors. Contact the bank (by phone or on the website), they will provide you with information whether you are a debtor. But such information is not publicly available.

Did the answer help you?YesNo

4. The following situation has arisen: there is a debt to (I found out about this by requesting a credit history), it was incurred several years ago, and was not fully repaid, but as it turns out, at this time this company has ceased to exist, it is quite possible that the debtors are now are listed in some other bank, but it’s impossible to find out which one. What should you do in this situation to pay off your debt?

4.1. Hello Nadezhda. You need to take a credit history. See where the debt is. Then try to pay off, if not possible, then go to court. Contact a lawyer.

Did the answer help you?YesNo

5. The question is this: at the end of December 2020, the seizure of funds was removed from me, and now I found out that for some reason it was not taken into account in one bank, without knowing about it, I deposited money for the loan at the time, as a result, I ended up in debt to them. I went to the bailiffs and took the document and sent it to their post office, saying that there was no arrest, but they needed to send the original by registered mail. Is the bank required to notify clients about the arrest? AND.

5.1. Hello! Yes, of course I have to.

Did the answer help you?YesNo

6. I have a loan in the amount of 7,765 rubles, for three years, no one has called or demanded payment. I know for sure that all my loans have been repaid and I have no debt to any bank. Where and how to find out what kind of loan is displayed? And is it possible, if it is determined who put the loan on me, to sue the stain and what else? Now I needed to take out a loan, but the bank said that I had no credit. They don’t know which bank. What to do?

6.1. Hello, You need to order your credit history from Sberbank and there you will see all the information on your loans. I wish you good luck and all the best!

Did the answer help you?YesNo

6.2. Hello! Contact the Credit Bureau. If the information is confirmed, then act based on the situation.

Did the answer help you?YesNo

7. I bought my wife a garage, she has a debt to the bank, the FSNP service withholds 50% of the salary, but the bailiff said that the bank found out about the acquisition of the garage and they seized it and will sell it to pay off the debt, but if the wife pays 30% of the the value of the garage, then the bank will not claim the garage, and in the future they do not have the right to re-arrest it. Is the bailiff correct in his statements?

7.1. Bailiffs have the right not to lift the arrest until the debt is fully repaid.

Did the answer help you?YesNo

8. How to find out about the debtor’s other debts to banks. We have a court decision on the receipt and a writ of execution. The debtor is dissuading from filing with the bailiffs, citing the fact that he is starting bankruptcy proceedings.

8.1. You can look at the database of enforcement proceedings on the FSSP website, on the website of the district court, and if the debtor is an individual entrepreneur, then on the website of the arbitration court.

Did the answer help you?YesNo

8.2. Natalya, don’t listen to the debtor! Present the sheet to the bailiffs. You can find out in the data bank of enforcement proceedings of the FSSP, on their official website.

Did the answer help you?YesNo

8.3. Is the debtor an individual or a legal entity? If an individual, is it an individual entrepreneur or not an individual entrepreneur? Should you as an individual entrepreneur or not as an individual entrepreneur? How much time has passed since the date the court made a decision in your favor (date of the operative part and date of production of the decision in full)? Could it be faster to file an application to declare the debtor bankrupt yourself, if the size of your claims allows you to do so? Answers can be sent in a personal message.

Did the answer help you?YesNo

9. My brother died 9 years ago in 2010, now we find out that there are two court decisions on debt to banks, who should pay them? Mother and son did not enter into inheritance rights; the son remained a minor.

9.1. No one should, since no one has entered into inheritance rights. Sincerely.

Did the answer help you?YesNo

9.2. If the loans are insured, then the insurance company. If not, then the heirs. If no one entered into the inheritance, then no one pays.

Did the answer help you?YesNo

10. I have credit debt to many banks, tell me, if it makes sense to contact companies that help write off debts? And if there is an entry on the bailiffs’ website about the debt, but I didn’t receive any notification that there was a court case, will this let me know that I was sued. Thank you.

10.1. You can contact companies that deal with bankruptcy, the conversation there starts from 100 thousand rubles, what the result will be is unknown. Debts are not forgiven just like that, especially by banks and microfinance organizations, this is obvious. If there are debts about which you have not received notification, these are court orders; they can be canceled within 10 days from the date of receipt in accordance with Art. 128-129 Code of Civil Procedure of the Russian Federation. Sincerely!

Did the answer help you?YesNo

10.2. Hello Julia! It all depends on what exactly these companies offer. In general, it makes sense to think about the bankruptcy procedure.

Did the answer help you?YesNo

10.3. Try to declare yourself bankrupt through the Arbitration Court.

Did the answer help you?YesNo

11. This is the situation. There was a debt to the bank, they came to find out the amount, paid and immediately brought payment receipts to the bank. The employee issued a document stating that he accepted the payment and did not pay for the position. Now, after 5 years, a third-party organization sends them that the bank sold them the debt and asks them to pay them the amount, what should I do? Is this even legal?

11.1. You have a certificate from a credit institution that there is no debt.

Did the answer help you?YesNo

12. Every month my employer deducts 50 percent of my income according to writs of execution (debt to banks), today I find out that ZhilKomServis (I owe them for utilities, the amount is 165,000, there is a court order) went directly to the Bank, and now from my balance which I received (50 percent), will be kept in favor of Zhilkomservice half. In total I will only receive 25 percent. What to do?

12.1. Hello! You can open a salary account in another bank.

Did the answer help you?YesNo

13. We bought a car, which, as it turned out, has been in collateral for a year now, and we have been suing for a year, and the aunt who pledged it, the property already put up for auction, abundantly covers the entire amount of debt to the bank, even without our car. I would like to know if she was in debt.

13.1. This information relates to personal and bank secrets, but it will be provided upon request of the court.

Did the answer help you?YesNo

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14. I have a debt to a connected bank, which I only recently found out about, but I have neither the agreement nor the card. Where can I contact, what number?

14.1. Hello. So did you receive money from the bank?

Did the answer help you?YesNo

14.2. Zalina, the loan obligations to JSC Svyaznoy were bought by Tinkoff Bank, but Tinkoff is unlikely to provide you with anything, I would recommend that you be patient and monitor the filing of an application for a court order to the magistrate at your place of residence or the filing of a statement of claim in the district court, very I recommend keeping track, since your statute of limitations has expired, but applying the consequences of the expiration of the statute of limitations is only possible in a court hearing.

Did the answer help you?YesNo

15. There are debts on loans to banks and microfinance organizations. I received a copy of the court order to collect the debt under the agreement dated 2014 in favor of Sveta Economy Cyprus Limited. Information on the transfer of debts to 3 persons was not received. I have written an objection to the court order and am waiting for it to be issued. How can I find out who this collection organization represents without communicating with them by phone? I heard that when communicating with a creditor after 3 years of no communication, the statute of limitations is renewed. Thank you.

15.1. Lyudmila Nikolaevna, wait for the court order to be cancelled. A change of persons in an obligation does not entail a change in the limitation period and the procedure for calculating it (Article 201 of the Civil Code of the Russian Federation).

Did the answer help you?YesNo

15.2. The statute of limitations on a loan is interrupted by the fulfillment of the obligation, that is, if you pay part of the debt, the period runs again and is considered interrupted. You can communicate. But there is no payment.

Did the answer help you?YesNo

16. The question is this: I have a debt to the bank, I haven’t paid for a long time, because I made payments several times, but the amount of the debt has not decreased. Now the Invoice has been issued, the amount is fabulous, interest and penalties have accrued. I wanted to know if I can count on the court ruling to write off penalties and fines and whether I will be given the opportunity to pay off this loan by paying a certain amount every month?

16.1. You need to write a response to the claim for this.

Did the answer help you?YesNo

16.2. Hello! If a number of conditions are met, the debt can be written off completely! Please specify the name of the court.

Did the answer help you?YesNo

17. I called a bank employee on the hotline to find out about the debt. They told me to pay an additional 50 rubles only. I contributed 50 rubles. After 11 days they called and said that I had a debt + penalties for penalties. I always pay on time. What should I do? Due to incorrect information, I have a debt to the bank.

17.1. Good afternoon I advise you to contact the bank in writing to understand what the payment terms are and why you were charged penalties.

Did the answer help you?YesNo

18. A debt has arisen to the bank. The bank demanded that the entire amount be returned ahead of schedule. Three weeks after that, I paid off half of the debt and now I make the monthly payment on time (I have receipts and a certificate from the bank) and from the FSSP website I suddenly find out that an individual entrepreneur has been initiated against me on the basis of execution. Notary's inscriptions. Moreover, the amount in the resolution is full without taking into account the partially repaid amount. If I provide a certificate from the bank about the amount of the present debt, can the bailiff terminate the individual entrepreneur?

18.1. Good afternoon You need to contact the district court at the location of the notary who made the writ of execution with a claim to the notary to cancel the writ of execution. It is also necessary to provide the bailiff with a payment document confirming payment. The bailiff will not be able to terminate the individual entrepreneur, since the writ of execution is for the entire amount, but at least he will not collect what has already been paid. In order for the bailiff to terminate the IP, the execution must be cancelled. Inscription through the court, or negotiate with the Bank on debt restructuring.

Did the answer help you?YesNo

19. In 2008 I took out a loan. The debt remained at 35,000. The bank sold the debt to Phoenix. The trial took place without me in 2020. I found out about the debt owed to them in 186,000. I found out until the account was seized.

19.1. If a court order is issued, it can be noted within 10 days.

Did the answer help you?YesNo

19.2. What exactly is your question for lawyers?

Did the answer help you?YesNo

20. I would like to know if there is a debt to Tinkoff Bank, we just paid everything, but the creditors did not send anything by mail.

20.1. You need to log into your Tinkoff personal account, or call the hotline at the federal number.

Did the answer help you?YesNo

A letter was received notifying about overdue debt to Sberbank, but not with a notification.

But not with notice, notice of overdue debt. But at the moment I do not have the amount to repay the loan.

On the FSSP website I learned about the debt to the Eastern Bank. What is the right thing to do next?

A year ago, a court order was issued regarding credit card debt to the bank,

I recently found out that a year ago a court order was issued regarding a debt to the bank.

I have the following situation: In public services there is a debt to bailiffs, the debt is not mine, coincidence F.

I have the following situation: In public services there is a debt to bailiffs, the debt is not mine, coincidence F.

There was an account payable to the Bank of Moscow. According to the court decision, the accounting department transferred 25% of my salary every month through the bailiffs account.

How to find out the total amount owed to banks? Five years ago I took out loans from several banks, I want to know the amount of the outstanding debt.

How can I find out when I incurred a debt to Russian Standard Bank?

Alexander Ulyanovsk Client I have a debt to MTS Bank, I’m calling the bank,

What to do if scammers demand payment?

What should you do if demands to pay a debt come in the form of calls to your cell phone, but you do not have any debt? Most often, scammers ask you to pay by sending money to an account. What to do in this situation:

• We contact the financial institution . In the process of communicating with any company or actual representative of a microfinance company or bank, you need to find out all the information about this employee: last name, first name, patronymic, what company he represents, and be sure to write down the phone number from which the call came. Having all the necessary background information, you can independently contact financial institutions in order to understand the issue.
• Do not mention it . Calls may stop if scammers use intimidation tactics in hopes that you will panic and give them the money they demand. As sad as it sounds, many people fall for this bait and are ready to instantly get rid of problems that in fact never existed. This is how criminals get rich and gullible people part with their money.
• Contacting law enforcement agencies . If you understand that there is a case of fraud and you know for sure that you no longer have any obligations with the creditor, then you should send your appeal directly to the police. Armed with the details of the bank, the phone number from which the call was made and, if possible, having clarified and recorded all the information about the caller, contact the nearest law enforcement department. Be sure to describe the entire situation in your application and indicate the fact that there is no debt.

Today, users are given a lot of tools through which they can find out about debt and make timely payments. Choose the best one for your case and never act rashly. Only after learning all the necessary information can you begin to act.

Banks reported problems when transferring data about debtors to collectors

Debt collection by collectors has returned to pre-crisis levels Finance

• Almost every lender may face a lack of information about borrowers, says Alexander Naumov, deputy head of the non-profit partnership National Financial Market Council (NCFM). “If a person owes the bank money for a long time, it is obvious that he does not make contact with him, and therefore the debt is transferred to collectors. For obvious reasons, the bank can no longer obtain any information about the debtor from himself: neither information about a new passport, nor additional information about the TIN,” he explained.
• The problem is not critical, it’s just that not all market participants were ready for it, says Alexander Shornikov, head of the retail risk department at Zenit Bank: “Banks were forced to solve problems with technological support for recent regulatory changes (restructuring, reserving), so the resources for such activities are limited everyone was limited."
• You can request a TIN for debtors’ passports from the Federal Tax Service (FTS) through interdepartmental interaction systems, a VTB representative told RBC. The bank does this, so it does not experience any difficulties in transferring information about debtors to the Federal Resources Agency.
• The Federal Tax Service still has problems with requesting data, Yukhnin believes: “Judging by the requests of the same organizations, the overwhelming majority of cases are when the debtor changed his passport for some reason (lost, replaced due to expiration date), and the creditor, as they say, do not know". The Federal Tax Service service does not allow you to obtain a TIN using old documents - information about old passports is not stored in the department, Naumov claims. “And the bank also cannot obtain information about a new document from the data of the old passport from the Ministry of Internal Affairs, since such a service does not exist in nature,” he clarified. The NSFR sent a letter to the Federal Tax Service with a request to finalize the services, but the department responded that the modification would significantly increase the time it takes to process the request (RBC has both documents).
• “The Federal Tax Service of Russia does not note any difficulties when requesting a TIN through the SMEV (system of interdepartmental electronic interaction. - RBC),” the FTS press service said in response to a request from RBC.

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Collectors proposed a new mechanism for resolving debtor complaints Finance

Can a creditor transfer a debt bypassing the Federal Resources Agency?

According to Law 377-FZ, the creditor enters data on the client’s TIN into the Fedresurs database if such a number is available. According to Yukhnin, the wording can be interpreted in two ways, implying either that the debtor has a TIN in principle (registered with the Federal Tax Service), or that the bank has information about the taxpayer’s TIN number. The Central Bank gave explanations to market participants on this matter, and they were not in their favor. Based on the regulator’s interpretation, if the debtor, in principle, has a tax identification number, but the bank does not have such information, then loading the data into the Fedresurs database is impossible, Yukhnin said. “If for some reason the debtor does not have a TIN, we will contact the Federal Tax Service of Russia to resolve the identified conflict,” he promised.

Technically, the law does not prohibit creditors from making transactions with debt collectors without reflecting this on the Federal Resources Service. But after transferring data about the debtor, the bank has 30 days to disclose this fact. Interaction with creditors without posting information in the database threatens banks with fines. Credit institutions that responded to RBC's request have not yet faced such penalties.

How big can the fines be?

• “According to the law, if a bank cannot post complete information about a debtor on Fedresurs, it faces a fine of up to 1 million rubles. for each debtor,” notes a representative of Promsvyazbank.
• MTS Bank considered it a risk to be held liable for violations of the requirements of the Law “On Collections”. For legal entities, this is a fine of 20 thousand to 200 thousand rubles, explained a representative of a credit institution. Punishment can be applied for each complaint from different debtors.
• Banks exaggerate the risks, says Dmitry Shevchenko, partner at the Zamoskvorechye Law Bureau. “For violating the deadline for entering information into the Federal Resources Service - a warning or a fine in the amount of 5 thousand rubles. (Part 6 of Article 14.25 of the Administrative Code). If the information is not entered into Fedresurs or false information is provided - from 5 thousand to 10 thousand rubles. or disqualification for a period of one to three years (Part 7, Part 8, Article 14.25 of the Administrative Code),” the lawyer lists. According to him, the article on violation of the rights of citizens when collecting debts (Article 14.57 of the Code of Administrative Offenses) is generally inapplicable here.

The actions of creditors in the field of collection are supervised by the Central Bank, and not by the Federal Bailiff Service, which controls debt collectors. “Based on the practice of the regulator, we assume a fairly tough position regarding even formal violations,” Shornikov fears.

The Bank of Russia did not respond to RBC’s request.

The new rules for disclosing information are also inconvenient for collectors, Mehdiyev emphasized: “If collectors, after acquiring the rights of claim, decide to transfer the debt to a third party, they must also publish the data on the Federal Resources Agency. Therefore, collection agencies may also have this problem, but on a much smaller scale.”

What alternatives do bankers offer?

Sberbank and Zenit Bank reported that they are now finalizing their systems, which will allow them to process more information about debtors. MTS Bank intends to obtain TIN from the title part of borrowers' credit histories. VTB and Promsvyazbank said that they do not have problems with the availability of customer data.

A possible solution to the problem is a change in the position of the Bank of Russia, Naumov believes. “The Central Bank may give a different interpretation to the wording “if there is a TIN.” For example, if the bank took all possible means to obtain a TIN, but was unable to do so, this will mean that the lender has fulfilled its obligations, which means that data about the client without a TIN can be entered into the Fedresurs database,” he explained.