...had work, income, had no opportunity to repay the loan and interest. The bank announced a "credit holiday". During the occupation, there was no communication, no internet. After de-occupation, re-establishment of communication, it turned out that the credit debt had increased, fines were charged. Currently, Kherson is the territory of active hostilities. The bank branch did not open in the city. Did they have the right to charge me fines? Are there legal grounds to demand the cancellation of sanctions, some kind of debt restructuring? What can you advise?
I have a bank consumer loan. I live in Kherson, during the occupation I did not...
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Tatіana Mazur
According to the Law of Ukraine "On Amendments to the Tax Code of Ukraine and other legislative acts of Ukraine regarding the application of norms during the period of martial law":
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During martial law, creditors are not responsible for late payment of loans.
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The bank cannot charge any penalty or fine. Any penalties, fines, etc. charged by the bank for late payment of the loan, starting from February 24, 2022, the bank must write off.
Such changes are effective during the entire period of martial law and within 30 days after its end.
Therefore, you have every reason to appeal to the court regarding the violation of the law by the bank.
19.09.2023 10:17
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