The Commissioner for Human Rights in the Russian Federation spoke about the limits of self-prohibition on loans

Brief retelling from RIA II

The self-lending ban does not apply to mortgages, auto loans, certain student loans, existing credit cards, and pre-existing debts.

The self-prohibition on a consumer loan begins to take effect the next day after entering information into the credit history, and its removal also takes time and comes into force on the second calendar day.

If fraudsters forced you to take out a loan, you must inform the bank or microfinance organization about this and file a statement with the police, and if a criminal case is initiated, send a copy of the decision to the creditor.

MOSCOW, October 1 - RIA Novosti. A self-ban cannot be issued for a mortgage, a car loan secured by a car, a number of educational loans, as well as for existing credit cards, Commissioner for Human Rights in the Russian Federation Yana Lantratova told RIA Novosti.

The Federal Ombudsman noted that any citizen of the Russian Federation can protect himself from fraudsters by self-banning consumer loans.

“At the same time, it is important to understand the boundaries of such protection. Self-prohibition does not apply, for example, to a mortgage, a car loan secured by a car, some educational loans, existing credit cards and previously incurred debts,” Lantratova said.

According to her, it is worth remembering one important detail - the ban on self-credit, in cases where it is possible, does not take effect immediately, but the next day after entering information into the credit history.

“Removing it also takes time - it comes into force on the second calendar day. Therefore, after registering a self-ban, you should definitely check its status,” the commissioner clarified.

However, Lantratova added, sometimes it happens that fraudsters do not issue loans to citizens on their own, but through manipulation and threats force the people themselves to make such decisions.

“If fraudsters forced you to take out a loan, you need to inform the bank or microfinance organization that the agreement was concluded under the influence of criminals, and ask them to save the recordings of conversations, statements and identification information,” she emphasized.

In parallel with this, according to the Ombudsman, it is necessary to file a statement with the police. If a criminal case has been initiated, a copy of the relevant decision should be sent to the creditor in a manner that allows confirmation of service of the document.