{"id":9605,"date":"2020-01-07T14:11:26","date_gmt":"2020-01-07T12:11:26","guid":{"rendered":"https:\/\/csalb.ro\/?p=9605"},"modified":"2020-01-07T14:21:21","modified_gmt":"2020-01-07T12:21:21","slug":"information-to-consumers-approaching-abdrc-with-applications-concerning-de-registration-from-the-credit-register-assigned-claims-loans-granted-under-the-first-house-program-and-payment-of-the","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/press-releases\/information-to-consumers-approaching-abdrc-with-applications-concerning-de-registration-from-the-credit-register-assigned-claims-loans-granted-under-the-first-house-program-and-payment-of-the\/","title":{"rendered":"Information to consumers approaching ABDRC with applications concerning: de-registration from the Credit Register, assigned claims, loans granted under the “First House” program, and payment of the State premium"},"content":{"rendered":"

In 2019, of the more than 2,000 applications for conciliation with banks and NBFIs filed by consumers, approximately 11% were closed by the financial and banking institutions for good reasons.
\nDetails about the most important such reasons are available in the enclosed document.
\n<\/p>\n

10 December 2019, Bucharest<\/strong>. With a view to supporting financial education, we hereby advise consumers of a number of legal provisions in effect of which is a significant reduction of the negotiation possibilities between consumers and banks via ABDRC. When consumers file with ABDRC applications concerning de-registration from the Credit Register, assigned claims, loans granted under the “First House” program, and payment of the State premium, please find below details about the legal grounds under which the traders’ negotiation capacity is significantly reduced.<\/span><\/p>\n

 <\/p>\n

Applications concerning de-registration from the Credit Register<\/strong><\/span><\/p>\n

Background<\/strong>: Consumers applying for de-registration from the Credit Register. This type of applications have many justifications, including those laid down under the General Data Protection Regulation (in effect as of 25 May 2018).<\/span><\/p>\n

Relevant information<\/strong>: The Credit Register (Romanian: Biroul de Credit) is a joint-stock company member of the Association of Consumer Credit Information Suppliers (ACCIS). The operation of this Register is regulated under the Decision no. 105\/2007 of the National Supervisory Authority for Personal Data Processing.<\/span><\/p>\n

For a report to the Credit Register to be correct, the overdue amount should be in excess of RON 30 (or the equivalent thereof in foreign currency), and the payment delay should be longer than 30 days. In this case, the creditor (bank) shall submit to the Credit Register information about the overdue amounts, the delay category, the date of the first late payment, and\/or information about the opening of the datio in solutum<\/i> proceedings, but only having first given to the consumer a prior notice of at least 15 calendar days.<\/p>\n

Should the entry be duly performed, in observance of the conditions above, the debtor remains entered in the Credit Register for 4 years.<\/span><\/p>\n

Conclusions<\/strong>: ABDRC may be approached with this type of applications, but the banks have accepted to enter negotiations on this issue or addressed the problem reported by consumers directly only when there were errors in connection with the entering into the Credit Register<\/strong>.<\/span><\/p>\n

Video on this topic, with a statement made by Nela Petri\u0219or – ABDRC Conciliator<\/strong>, in the ABDRC Annual Conference: https:\/\/www.youtube.com\/watch?v=u1veMziRf70<\/b><\/span><\/a><\/span><\/p>\n