Unpaid loan installment, telephone or electricity bill – there can be many reasons for arrears. Unpaid for a long time can cause many problems. That is why it is worth checking in time where, whom and how much we are behind.
Gathering information about the sum of debts and entities to which we are in arrears with payments is the first step to be taken to get on the road leading to debt repayment. It is often the case that there are so many individual commitments that you have to reach for publicly available databases, in which we will find all information on overdue payments. Knowing the size of the debt, which in addition to the nominal value has been increased by interest, you can draw up repayment plans and negotiate with the creditor.
With this guide we are starting a new series of publications under the slogan “How to get out of debt?”. In the following articles we will suggest, among others:
- where to check your debts and what is the threat of debts,
- what are the options for getting out of debt,
- how to pay maintenance, debts for an apartment or to a bank,
- how to get rid of debt from husband, grandparents or other family members.
Where will the debtor check his debt?
Checking your debt against appearances is not complicated. In Poland, there are several databases where we can find information about people in arrears. However, the truth is that the creditors will quickly apply for the debt. There are many debt collection companies on the market, whose services are used by entities wanting to recover money, but there are also those that specialize in buying back debts. We can be sure of one, sooner or later someone will ask for our debt.
– Each person can check their commitments in the Astro database free of charge. However, the detailed history of your credit obligations can be checked by ordering the Retrodatabase Report (from the Credit Information Bureau database) and financial Report (from the InfoMonitor Economic Information Bureau database). (…) In turn, the National Debt Register offers the “Check your PESEL” service, in which you can receive an up-to-date report containing information on the timely repayment of liabilities and your possible debts. The same report is used by banks and loan institutions to check the history of the loan or loan applicant’s obligations, a member of the management board at Bibank.
However, each of them requires registration by confirming their data. This allows you to get information about your commitments that went into the registry.
How to check the debt in Retrodatabase?
The first step to check your credit arrears is to download the Retrodatabase report directly on the Credit Information Bureau website. The report contains a detailed history of credit obligations (from the Retrodatabase database) and financial commitments (from the BIG InfoMonitor database). On its basis, you can trace the history of individual loan installments and details of other liabilities, e.g. electricity or telephone invoices. In addition, it indicates the current payment situation, thanks to which we will find out if we have any late payments.
In order to download the report, you must create an account in the Retrodatabase portal. However, the prepared document can be viewed on a computer, telephone, it can also be downloaded and saved as a PDF file.
The information contained in the report comes from financial institutions. All information on loans granted is forwarded to Retrodatabase. In addition, BIG InfoMonitor receives information about unpaid financial liabilities. Retrodatabase updates the submitted data within a maximum of 7 days. Therefore, in the report, we will find information on submitting a new loan or loan application to a financial institution cooperating with Retrodatabase.
How to check the debt in LDT?
LDT is a platform for the exchange of economic information. This means that information about debtors flows to it from various market segments: insurance, loan companies, leasing companies, banks, commercial, service, industrial and government administration companies. At the same time, entities that are parties to the exchange can also download information about a potential customer. In other words, LDT collects and provides data on the financial situation of consumers and companies. It may receive obligations such as unpaid electricity bill, unpaid rent, fine, unpaid invoice.
In order to download a report on your financial situation, you must set up an account directly on the LDT website. It should be remembered that we will be asked to verify our identity. Creating an account entitles you to download a report that presents information about creditors who placed us on the list of LDT debtors and the amounts we owe them. In addition, thanks to him, the debtor will have access to the list of inquiries, i.e. the ability to check which entities have been provided with information about him.
How to check your debt in Astro?
Astro is an economic information office that accepts, stores and discloses data on both debtors and payers who regulate their financial obligations in a timely manner. It contains data on liabilities from the primary and secondary markets, including telecommunications, multimedia, banking, finance and the budget sector.
Individual clients can use Astro services via the dedicated infoKonsument.pl website. Free registration of a user account on the site allows you to gain access to a database of current information about both your obligations and other indebted entities. In order to set up an account, it is necessary to complete the registration form and complete or incomplete activation. However, incomplete account activation only allows checking and monitoring of entrepreneurs. However, in order to fulfill your obligations, full activation is required. It involves verifying the correctness of the data provided in the account registration process.
How to check your debt in BIG InfoMonitor?
The InfoMonitor Economic Information Bureau accepts, stores and provides economic information on outstanding debts of persons and companies. To this end, it maintains the Register of Debtors, provides access to the databases of the Credit Information Bureau and the Polish Bank Association and is a platform for the exchange of information between the banking sector and other sectors of the economy.
In order to use the services of BIG InfoMonitor, as in the case of other Economic Information Bureaus, it is necessary to set up an account directly through the website. The debtor will then have access to a report on the state of his liabilities, and in addition will obtain information on who and what data entered in the register about him, who checked him in the last 12 months.
How to check your debt at the National Economic Information Bureau?
The KBIG system enables access to economic information contained in its database. It works on the principle of exchange and sharing of economic information. A natural person who sets up his individual account on the portal will have access to current information about himself, in the form of a report that contains economic information about him and a report from the register of queries containing a list of entities checking her in the last year.
How to check your debt in RNP?
Natural persons who have not paid monetary receivables subject to administrative enforcement, whose creditors are heads of tax offices or local government units will be entered in the Register of Public Liabilities.
The debtor will be informed about the entry in the register by the creditor who is required to deliver a notification about the threat of disclosure in the register (only in the case of receivables above four times the cost of a warning – currently it is PLN 46.40). The entry will be disclosed only after 30 days from the date of delivery of such notification. In addition, data will be disclosed in RNP when the total amount of cash receivables, together with interest for non-payment on time, will be at least 5,000. zł. Data on your debts in the register, just like in the case of Economic Information Bureaus, can be checked after creating an individual account.
How do you check your debt with a bailiff?
As for the debts that have passed the stage of bailiff’s execution, in their case we will be informed by mail by the bailiff. From the content we will learn exactly about the amount of debt and we will learn about the creditor who referred the case to court. In the letter we will also find a bearing on the bailiff carrying out the enforcement, who will provide the debtor with all the explanations.
What is the risk of non-payment of debts?
– Be aware that we are responsible for all obligations incurred by us and also those incurred jointly with another person. Then we are talking about joint and several liability, which means that each of the debtors is obliged to meet the entire benefit, while the creditor at its own discretion may request fulfillment of all or part of the benefit from all debtors together, several or one of them. Nor can you prevent liability in a surety situation.
The debtor for the lack of repayment of obligations first goes to the registers of debtors. This translates into a decrease in his credit and financial credibility. Therefore, it will be more difficult for him to take out a loan or a loan, but he may also have a problem with signing the subscription contract, internet or television. The next stage is the debt collection process. If this does not work, the case is taken to court. The court may issue an enforceable title, i.e. a document confirming the existence of an obligation to pay a specific sum of money to the creditor and ordering the payment of that amount. Then, after the issuing of an enforceable title, i.e. after the court proceedings have ended, the creditor may refer the case to a bailiff on the way to enforcement proceedings, which is the final action.