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Settlement of the Overdue debt

The conditions under which the Bank commences activities to settle the Overdue debt are:
  • a reason for working with the Debtor –  an Overdue debt;
  • violation of the term for the fulfillment of obligations by the Borrower, starting from the day following the date of payment of the obligatory monthly payment under the Loan Agreement.

To ensure the timely repayment of credit debt, preventive work is carried out with the Borrower, within the framework of the strategy of work FIU. As a result, the Borrower is automatically sent an SMS message with information about the date of payment and the amount of payment on the loan within the established time frame.

Interaction when working on the settlement of the Overdue debt

The following means can be used to interact with the Debtor when working on the settlement of the Overdue debt:

  • direct interaction (telephone and video conversations, personal meetings);
  • sending postal items;
  • sending text, voice, and other messages using  telecommunications.
Procedure for the Assignment of the Right of Claim
  • The decision on the expediency of carrying out the operation Assignment of the Right of Claim is agreed by the Bank's Collegial Body.
  • Upon the adoption of a decision by the Bank's Collegial Body on the Assignment of the Right to Claim the Overdue debt, actions are taken in accordance with the Bank's internal procedures.
  • Within 10 working days from the date of the Assignment of the right of claim under the loan agreement to the new creditor, the Bank is obliged to inform the Debtor in the manner specified in clause 2.2.1. Of the document and/or provided for by the loan agreement, about such a fact and the transfer of the Debtor's personal data, as well as provide information about the new creditor (name, identification code of a legal entity in the Unified State Register of Enterprises and Organizations of Ukraine, location, information for communication – phone number, address, e-mail address).
Conditions under which the Bank Assigns the Right of Claim under the Loan Agreement to a new creditor

The Assignment of Rights of Claim may be applied to the Loan agreements of the Debtors, under which work was carried out to settle the Overdue debt in accordance with the Bank's Strategy for Collection by:

  • direct interaction (telephone and video conversations, personal meetings);
  • sending postal items;
  • sending text, voice, and other messages using  telecommunications.
Procedure and method of the Overdue debt repayment

The procedure for repayment of the Overdue debt is determined in accordance with the legislation of Ukraine. In the event that the Debtor makes payment of the Overdue debt to fulfill obligations under the Loan Agreement, this amount shall repay the creditor's claims in the sequence provided for by the Loan Agreement.

When settling the Overdue debt, the debtor can independently choose any convenient way to repay the Overdue debt:

  • by making a payment using the cash department of the Bank;
  • by making a payment using the terminal;
  • by transferring funds using Internet banking;
  • any other way to transfer funds.

When settling the Overdue debt, the Debtor must notify the Bank that his authorized representative is representing his interests in settling the Overdue debt by contacting the Bank's branch with properly executed supporting documents that confirm the identity and the right to represent the Debtor's interests to the authorized representative.

List of contact details

The list of contact details of the Bank, which are used to receive applications from consumers of financial services regarding the activities of the attracted collection company (in the case of involving a collection company in settlement of the Overdue debt):

  • location and postal address: Andriivska, str. 4, Kyiv, 04070;
  • identification code in USREOU 14282829;
  • phone number: +38 044 290 7 290
    +38 096 290 7 290
    +38 050 290 7 290
    +38 093 290 7 290
  • e-mail: [email protected]
  • link to the website: https://about.pumb.ua
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