Россиян защитят от долгов умерших родственников

В Госдуме предложили защитить россиян от кредитных долгов умерших родственников.

В Госдуме подготовили поправку к закону «О потребительском кредите (займе)», которая призвана защитить россиян от долгов умерших родственников. Об этом пишет «Парламентская газета» со ссылкой на автора инициативы заместителя председателя комитета Госдумы по туризму и развитию туристической инфраструктуры, члена партии «Единая Россия» Наталью Костенко.

Депутат рассказала о случаях, когда после наступления инвалидности или смерти застрахованного заемщика банки предъявляют претензии к нему или его наследникам вместо того, чтобы обратиться напрямую в страховую компанию. Это происходит из-за того, что после кончины заемщика банк может не знать о страховом договоре, а закон не обязывает удостовериться в его наличии. «В итоге получается, что кредитная организация может не проверить информацию и не указать в досудебном требовании или иске помимо наследников страховую компанию», — заявила Костенко. Родным умершего приходится оплачивать чужие долги за свой счет.

В случае принятия поправки банки будут должны в течение 10 дней после наступления страхового случая потребовать у страховщика возмещения кредита. Если страховая компания не исполнит своих обязательств, банк вправе обратиться в суд для взыскания необходимой суммы.

В конце ноября в Центробанке предложили ввести возможность брать кредитные каникулы в любое время. Сейчас окончательное решение о предоставлении отсрочки остается за банками, которые не всегда идут на встречу клиентам. В ЦБ призвали законодателей поддержать эту инициативу.

https://lenta.ru/news/2021/11/30/dolg/?utm_source=yxnews&utm_medium=desktop

Дата публикации: 01.12.2021


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