Payment deferral for the loans taken before 30 March 2020 is possible this year, too. So far, approximately 560,000 debtors have benefited of legislative and private moratoria, accounting for 14.7% of the total loans extended by the banking sector. And because instalment payment deferral can have a lot of consequences which could also have side effects for consumers, the Alternative Banking Dispute Resolution Centre (ABDRC) issues a number of recommendations for them.