How to consult the Financial Credit Institutions?

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La pesadilla de muchas persons es darse cuenta de que han sido incluidas en the file of defaulters of the ASNEF. As we know, it is an association of financial and credit establishments, in which companies can obtain the databases to establish whether a person is a candidate for financing.

Unfortunately, it is very simple to be included in this fileor, since in general the only thing that is required is to return a bank, telephone or service receipt, to appear as delinquent in the file.

Anyway, when a person is included in the list of people in default, This situation becomes a very serious obstacle in terms of not being able to access a loan or even require registration with a telephone, gas, electricity company, etc.

Perhaps the most deplorable aspect of this situation is that the personal and financial data of the people included in the File of breach of ASNEF, may be available for up to 6 years.

It is also unfortunate that very often, there are people who are unfairly included in this file because of errors or because of a debt that does not really exist, even because of an obstacle related to identity theft.

As previously stated, it is fairly straightforward to appear in the Records of defaulters of ASNEF, so there are currently a large number of people who are in this situation and are prevented from applying for a loan and solving their needs.

When a person is registered in this file of defaulters, the moment you apply for a loan or a mortgage, they basically deny it.

It was mentioned at the beginning that even certain discrepancies with the telephone bill or with the payment of basic services can be the main cause for a company to include that person's data in the ASNEF defaulters file or from her in one of the more than 156 delinquent files that currently exist in Spain.

Regardless of whether it is a just or unjust reason, The only reality is that for people this situation is truly detrimental in terms of not being able to access financing or even get a credit card.

The reason is simple, both banks and savings banks do not usually grant loans or certain services to clients who appear on the delinquent lists.

In other words, all these financial and credit entities periodically consult the file of defaulters of the ASNEF In order to check the payment solvency of the person applying for a loan. In other words, banks, savings banks and other financial and credit organizations are members of the ASNEF.

Para que una persona be incluida en el expediente de deudores de la ASNEF debe darse alguna de las siguientes situaciones:

• That there is a verifiable, overdue and enforceable debt, which is unpaid
• That the person has been required to pay the debt on different occasions without success
• That there is no documentary evidence that apparently contradicts everything previously stated.

In order to leave the Financial Credit Institutions It is necessary to request to the association, the cancellation of the debt through an administrator. At this point it is essential to mention that the person will be required documentation proving the non-existence of the debt, at the same time that they must also present a photocopy of their ID.

happiness The request will be communicated to ASNEF, association that must respond within a period of no more than 10 days regarding the elimination of the data of the persons included in the file.

If not type of communication of the Financial Credit Institutions or basically their answer is not satisfactory, then the affected person must go to the AEPD and later make a claim that in the same way will be a procedure managed by information - it is national.

The main problem with delinquent records is that it is virtually impossible for the people listed in them to have access to financing of any kind.

De ahí la relevance de que todos sepan how the ASNEF file works and decidedly what are the rights of the people who appear in a delinquent file.

When a person wishes have access to or consult the ASNE delinquent fileFor any delinquent file in Spain with the intention of knowing if it is registered or not, or if you want to cancel or delete a paid or incorrect registration, it is essential that you select if said query corresponds to a natural person, in other words, an individual , or for a legal person, in other words, a company.

This depends on whether the indicated form is shown to you.

If a person suspects that they may be included in the File of breach of ASNEFYou have the right to access the archive of this association to check if any company has added your data to the archive.

In case you check that your dice are truly recorded in the breach file, you must initiate the procedure of cancellation of your data in the file.

The cancellation request Los datos del archivo no disponen ningún coste y se pueden realizar de forma directa desde la Web oficial de ASNEF. Es esencial, a pesar de todo, que se elija la opción correcta dado que de momento los datos tanto de particulares como de compañías pueden ser cancelados.

The request to have access to your data in the ASNEF file enables you to know:

• Who or what company has signed you, in other words, who has added your data to the delinquent file.
• The total amount that is claimed for the debt.
• The date it was recorded in the delinquency file
• Who has consulted your personal data
• Related information about the defaulter, as well as their debts

Likewise, you may request the cancellation of the data from the ASNEF delinquent file in the event that:

• The debt has already been paid, but the person's details are still available on file.
• When it has been included in the file for 6 years or more
• When the person who appears in the file has never been notified by letter about their inclusion in it.
• When the amount of the debt is not real or you basically disagree
• When the debt does not correspond to the person included in the file or it is proven that he has been a victim of identity theft.

In times of crisis, when a person appears in the file of debtors of the ASNEF it is not truly surprising to anyone. It is estimated that at this time there is a delinquency rate around 5%, which means that 1 in 20 loans is delinquent, which is basically something of concern.

We already said before appearing in a list of defaulters such as ASNEFSignifica que al solicitar un crédito o algún tipo de préstamo hipotecario, básicamente no nos lo otorgan y el motivo de esto es que las organizaciones financieras revisan habitualmente estas listas de morosos para entender si su potencial client aparece en ellas o no.

If you are going through a economic depression and requires some credit or loan to cover your expenses, it is best to keep up with the payment of your debts. If you are late or basically stop paying, it is inevitable that you will be included in the list of defaulters of the Financial Credit Institutions.

If this happens, it is very likely that financial and credit organizations will not grant you:

• A credit or loan, even if it is a small financing
• Nor will they allow you to unify loans
• Sign postponement or absence of the mortgage with any bank
• Apply for a home loan to buy a home
• Apply for a loan to buy a new car
• Apply for a home loan extension
• Apply for a loan to start your own business

The non-payment of a debt It also generates other serious consequences for the debtor, starting with the fact that he will be included in the list of defaulters and, consequently, his home or the assets he has available to face the debt will be seized. This, decidedly, as long as the claim is successful, which must have previously been formally filed in court.

From this moment, the person included in the list of defaulters has the possibility of submitting a payment agreement, which will include all legal expenses, thus avoiding the public auction of all their assets.

Otherwise, they will be auctioned and the bank will receive all the money up to the point where the debt is fully paid, including late payment interest, commissions, as well as legal expenses, etc.