credit card case Personal Loan O/D Loan
Credit card is a loan service. which is the money that the bank or service company has been issued advance payment and bill later by charging a service fee or annual fee from the member For litigation, there are many in court.
• The lawsuit against the domicile (according to the house registration) of the credit card user.
by credit card debt case There is no need to ask for or terminate the contract first. The plaintiff can force the defendant to pay all such debts immediately, so credit card cases in general. When the creditor has notified the debtor's repayment schedule. When due, the debtor does not pay. The prescription will begin counting immediately on the next day, unless it is the case that the age interruption stops under Section 193/14 of the Civil and Commercial Code, such as the debtor making a letter of debt. or pay some debt, etc.
«Age of knowledge»
1 General credit cards are valid for 2 years starting from the last payment default, that is, the due date on the invoice.
2 Personal loan debts have a term of 5 years starting from the last payment default. (Loan agreement with repayment of principal and interest in installments)
3 Overdraft line (OD) debt or current account contract has a term of 10 years from the termination of the deduction. (Date of stopping account operations – withdrawing money)
Most debtors understand that When the debt has expired If the creditor can't sue, it ends, or if sued, the court probably won't accept the lawsuit. due to expired But the fact that even the debt has expired But the creditor can file a lawsuit.
In order for the court to bring up the matter the expiration of the statute of limitations The debtor must submit a statement of defense in respect of the termination of the lawsuit. up to be an argument in court which the court will consider checking the facts and if it is true as the debtor submits a testimony The court will have a judgment "dismissal" under Section 193/29, which states that "When the age limit is not raised as a defense The court cannot claim age as a ground for dismissal."
The fight that the plaintiff's case expired. The defendant must clearly testify under Section 177 of Civil Procedure Code as follows:
1 Lack of knowledge about what?
2 When is the expiration date?
3 Why?
Notice
Traded debt and transfer of claims between the bank and the bad debt management company Most of them are all debts that have expired.
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