One of the biggest problems with bank enforcement from a debtor’s account is the total blocking of the bank account. Theoretically, the bank can only take part of the salary, but in practice it may look different.
Unfortunately, it happens that banks can seize the debtor’s entire remuneration, without leaving the legally established amount of seizure-free, currently 75 percent of the national minimum wage. In this case, of course, the debtor has the right to lodge a complaint with the District Court about the bank’s actions and recover the money necessary for his existence, but the whole process is lengthy and one has to live for something. Are there any bank accounts that are out of bank’s reach?
How does the bank look for the debtor’s bank accounts?
Of course, this does not mean that the bank cannot seize the account that is in KOKS. Can do it! However, the Ognivo system cannot be used to find such an account. The bank must check everything directly at the source, asking specific KOKSs to ask if the debtor has a personal account in a given branch.
Are there banks where the bank does not reach?
According to the law, a bank can take any personal account, no matter if it is an account at a cooperative bank, commercial bank or cooperative savings and credit union. All he has to do is find him. In the case of credit unions, it is more difficult, although from a logical point of view, banks always check all branches of those institutions that are located in the region inhabited by the debtor. It is not difficult at all, just more time consuming.
In addition, banks very often ask the employer for information about a bank account if they have determined the place of employment of the debtor. Importantly, when the account is already occupied, there is still the option of agreeing with the employer on whether to receive remuneration or part of it on hand.
Another solution is the increasingly popular anonymous payment card, which is free from bank seizure. The card and the bank account assigned to it allows you to manage your finances in the same way as you would with a normal bank account. At present, it is practically the only effective way to avoid the seizure of our funds by a court bank.