The TGC-14 transferred data on 3 thousand malicious non-payers to NBKI

For 2016 from the moment of the beginning of cooperation between TGC-14 and the National Bureau of Credit Histories (NBCH), the resource supplying company transferred to Bureau information about 3 thousand inhabitants of the Republic of Buryatia who are malicious non-payers for heat and hot water supply. As of May 1, 2017 the debt of these citizens to TGC-14 was 657 million rubles.

According to federal law No. 218 "About credit stories", since 2015 in credit stories of debtors for the housing and communal services (HCS) information on the non-execution fact in the 10-day time of court's decisions on introduction of a payment for utilities is fixed. At the same time data transmission in bureau of credit histories is performed by the enterprises providing to the population housing and communal services.

Debtors should know that credit history is, in fact, the document on a status of financial reputation and payment discipline of the citizen. Therefore introduction in it of record about not performed court's decision on payment of services of housing and public utilities means the actual prohibition on receiving the subsequent credits or considerable deterioration in their conditions (rates, term, the amount, etc.). Besides, it is important to malicious non-payers to mean that any records are stored in their credit stories within 10 years. Thus, on an extent of this time frame information on their debt will be available to all creditors - banks, microfinance institutions, pawnshops.

"Today PJSC TGC-14 sent information on 3,049 debtors to NBKI, - the deputy chief of legal department of Teploenergosbyt Buryatia branch of PJSC TGC-14 Victoria Bodryanova says. – It would be desirable to remind inhabitants of the republic that services of heating and hot water supply need to be paid timely and not to bring to application of extreme measures, one of which is data transmission about debtors in NBKI. At acquaintance to credit history of such debtor, any creditor will be able to see that he is a malicious non-payer, and, in case of the request of the debtor for the credit for any purposes, with a high share of probability will refuse its issue. In other words, such citizen cannot take even the small credit".