The FSSP collects not only debts on loans, but also debts on alimony, utility payments, fines and taxes. Also, the seizure of a bank card is possible in case of failure to fulfill obligations to compensate damages to other persons voluntarily.
Write-off is legal if:
There is a court decision on the claims or a court order has been issued.
The deadlines for appealing and cancelling them have passed.
The bailiffs opened enforcement proceedings.
It is in the interests of the debtor to check the legality of qatar mobile database the bailiffs' actions. There are known cases when money, for example, was written off twice under the same court decision. Usually in such situations the FSSP returns the excess funds received, but it is better to control this process.
When is a write-off of money considered illegal?
It is impossible for bailiffs to write off debts from a card if we are talking about a credit card – the bank’s funds are on it, whereas only the debtor’s money can be seized.
In what other cases can write-off be illegal:
if the money is withheld without notice - usually it is sent by registered mail;
if the amount of the debt has already been written off - for example, first from a deposit, and then from the salary received on the card;
if the income transferred to the card cannot be used to pay off debts.
Also illegal will be a write-off, as a result of which the debtor was unable to maintain the subsistence minimum, but only if the corresponding application was previously submitted to the FSSP and the bailiffs made a positive decision.
Please note: there are many nuances in matters of illegal debt write-off. For example, the bailiff is obliged to notify the debtor of the beginning of the procedure. But if the letter is delayed or lost, then the withholding of funds is unlikely to be recognized as illegal, citing postal costs.