Entering these files is not complicated. Simply by not paying a receipt for a service like the telephone, for not paying a fine or for delaying payment of payday loans, you can end up entering. For this, the company that is affected by the non-payment sends a notification to the debtor and this must give a period of up to 30 days to pay the debt , otherwise it will become part of the file.
If you want to verify if you are in the registry, you can do it from home by filling out an online form. To leave defaulters list, you must pay off your debt, but it may not be easy for you at that time due to lack of liquidity.
If you are wondering if it is possible to get a quick payday loan while at defaulters list, the answer is yes. You should bear in mind that although there are entities that can give you the money, they usually charge a little high interest for the risk they run and the process involves a paperwork that does not guarantee speed in the approval.
How to ask for a payday loan if I am in defaulters list?
Internet is the solution. You have the option to request the so-called express payday loans that are usually granted by private payday loan institutions. For this, you will have to make the online application and in a matter of minutes you will have the money in your account.
These types of payday loans involve a simple process, do not require as much paperwork as conventional payday loans. For these entities, being on a list of defaulters is not a decisive factor for the approval or not of payday loan , in fact there are some portals specialized in giving payday loans to leave the defaulters list.
Also, you should know that many of these lenders do not request endorsement or guarantor , however, keep in mind that the sums they approve range between 500 and 600 euros, and some may grant up to 1,000 but the amount is usually not greater. Generally, they give a period of 30 days for the return.
In general, they will approve your payday loan easily if your debt does not exceed 2,000 euros . It is likely that if it is your first request for express payday loan, be more cautious in the amount to be approved, giving a maximum of 300 euros, but if you are a recurring customer that meets the payments, the amount may increase.
These lenders work in the process of making reports and consulting data to exit defaulters list. On the other hand, also offers payday loans for people who are in this type of files.
One of its advantages is that it allows you to obtain sums of up to 1,000 euros and gives you flexibility in the return period, up to 90 days.
If you need larger amounts, you will also have options. These payday loans can have figures between 100,000 and 150,000 euros, but require an endorsement, the most common is to put the house or car, in the case of the first you can ask for up to 70% of the value of the house.
As you can see, there is the possibility of obtaining financial help even when you are in defaulters list . Online micropayday loans are an accessible and quick solution for economic problems. Keep in mind that its function is to solve specific situations and, if it is your case, do not hesitate to resort to them. It will also be advisable that you try to get out of this file as quickly as possible, paying off your debt and requesting the registry to eliminate you. The maximum legal term that a person can be for a debt in defaulters list is six years since it is entered in it, after this time, your data will be automatically deleted from the file.