Good day, I have 7 loans in microloans, I am a military participant...

You do not have the right to charge fines, penalties, interest for using credit for non-fulfillment of your obligations to the creditor, based on the following.

According to Clause 15 of Article 14 of the Law of Ukraine "On Social and Legal Protection of Servicemen and Members of Their Families", to servicemen called up for military service during mobilization, for a special period, for the entire duration of their service, and to servicemen during the special period , who took or are participating in the implementation of measures to ensure national security and defense, repel and deter armed aggression of the Russian Federation in the Donetsk and Luhansk regions, ensuring their implementation, who were or are directly in the districts and during the implementation of the specified measures, - ** fines, penalties for non-fulfillment of obligations to enterprises, institutions and organizations of all forms of ownership, including banks, and individuals, as well as interest for the use of credit are not accrued**.

The above-mentioned benefit does not apply to credit agreements for the purchase of property that is or will be assigned to objects of the housing fund (residential building, apartment, future object of real estate, object of unfinished residential construction, property rights to them), and/or car

In order to exempt military personnel from the accrual of fines, penalties and interest for the use of credit, it is necessary to notify the bank (another financial institution) in writing about completing military service and provide supporting documents.

Please contact me and I will be happy to help you in solving this issue.