How can we go out of a list of bad debts

www.minus19.com

23-11-2008 | Javier Gomez

Once explained what is a list of bad debts and the importance that has for us not to appear in one of them (let's remember that the Financial institutions will investigate first of all if we appear in some of them when we request some credit or loan, and if we are, the most probable thing - for not saying insurance - is that they consider to study our request), we will try to make to see the motives which we can enter these lists and how to go out of these fatidical lists of bad debts.

- How do we enter these lists of bad debts?

We are going to do a small reminder. We will enter the lists any non-payment happened in last 6 years. in any case it can put us in them from the fourth month from the expiration of the non-payment. Of course, always it is obligatory to notify the debtor within a period of 30 days of which it has been included in this ránking.

In general, the Financial institutions usually notify it several times before carrying out it. In the first 20 days after the non-payment, they usually go to the client "nicely" to ask for for them and to remind to them that the expiration has passed to them. If nevertheless, the client continues without paying the debt, then they give one more step, remembering the commissions that the non-payment of the debt takes by means of a more formal writing, and finally it is to 90 days when these Entities already begin taking the first more serious and threatening measures. The judicial route usually takes from 6 months.

- How to go out of the lists of bad debts?

Unfortunately it is more difficult than it seems to erase the traces of our step along these lists, and also for our misfortune, it is enough to have had a fleeting step along one of these lists, even if we have cancelled the debt so that we remain "marked" at the time of requesting a new loan.

first of all, to go out of this list of bad debts, it is necessary to credit having cancelled the debt, and for it it will have to enclose, together with the request of which they extract it of the list, a supporting document of the payment of the debt and his entire cancellation, as well as a photocopy of the ID card. This request will be able to present it before the person in charge of the list or before the Entity to which it owed the money to him, so that this one manages it (for question of calmness and safety, I recommend that to be done straight with the entity responsible for the list).

As soon as the request was presented, in the course of 10 days, they will have to communicate to the debtor who has extracted him of the list. If this term happens and we have not received any notification, we will have to claim the Spanish Agency of Protection of Information, presenting the whole necessary papers that he credits that we had requested the exclusion of the lists of bad debts.

In case of being harmed by the delay in the exclusion, we have right to ask for an indemnification before the same protection Agency of Information and against the Entity that should manage the list. We will do it for the ordinary route and quantifying the costs that such an error has supposed to us.

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