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How long your name is on the SPC, Serasa and SCPC?

01/18/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 



 
Prescription debt as well as the maximum period of registration of organs in credit crunch is five years from the date on which the debt won, not the day it was made the order.

Ask questions:

I heard the term was reduced to three years.
Lie! Although there is a legal dispute over the long term, he remains five years.

Should more than five years, yet still charging me, this is right?

When complete debt five years, she can not appear in court for restricting credit (SPC, Serasa, SCPC), or be charged in court. But it can be charged by phone or letter.
If the debt is re-included in body of the credit crunch, after five years the consumer may file a lawsuit in court and demand the immediate exclusion from registration.

Renegotiated my debt. And now?

The agreement creates a new debt, in this case if the consumer does not pay it will be named once again included in the SPC and Serasa for five years from the date they stopped paying the agreement.

My debt has expired and I did not know I paid. Can I ask for my money back?

Too late. The right of judicial recovery of debt was won, but not the debt itself. In this case according to the law, the consumer has the right to request reimbursement.

If another company "buying" my debt, she can renew my registration in SPC and Serasa for another 5 years?

No! The renewal of registration by these companies, SPC and Serasa is illegal.
Can be included in the register at any time within this period of five years?
Yes, the debtor may be registered at any time within five years from the date of maturity of the debt. For example, if the debt was from July 10, 2006, the deadline for registration is the permanence of the day July 10, 2011. The debtor's name can be included until the 9th of July the same year, ie one day before the due date. However, it must be excluded from the next day.

 
My registration was renewed by the lender or SPC Serasa. They claim that I made a deal over the phone, but did not. And now?

If the register is after the original debt had already completed five years, the client can sue the agency in question and ask for damages and exclusion.

I have several debts, as this term is five years?

The deadline is always counted from the date of maturity of each debt.

 
How many times can my name go to the SPC or Serasa?

There is no limitation provided it is within five years.
However, the company may withdraw and re-register the debt many times as you want while respecting the period of five years.


Source: Extra - Online

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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