Direct contact 037 221 44 06
Solutions for Individual Customers who are in Difficult Situations
The experience of the last years has shown us that the Credit Freeze which is the banking system must engage in the long-term support of consumers of financial services in 3 specific directions: protection, education, and responsible financial intermediation.
When we say protection, we mean our responsibility to prevent and prevent consumer financial problems by creating, adopting, and supporting best practices that promote compliance with consumer protection laws.
The banking system must increase the effectiveness of financial education by reaching out to consumers and applying the Credit Freeze for the costomers when they seek and are receptive to specialized assistance, which will lead to responsible lending in the long run.
We make efforts and are constantly concerned about the financial situation of our customers, regardless of the relationship they have with the bank. For us, it is very important to have clients who request our support, communicate with us, and contact us to find together solutions to the financial problems they are facing.
We are aware that during the development of the credit relationship, unforeseen events can occur, which can overturn all plans and create situations that are difficult to manage, but we have created a series of solutions designed to meet you in such cases and which will provide the necessary support in such difficult situations.
Please do not hesitate to contact us whenever you are in a stressful situation that could affect your monthly finances or when you believe that you are in one of the other circumstances that you will find described in this section, and depending on your case, we will find a real, long-term solution together.
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Situations considered to be financial difficulties and in which you can benefit from alternative solutions:
You had/have health problems or family problems (divorce, death of close relatives or of some of the loan participants);
You have financial difficulties that have led to a decrease in income, compared to when the loan was granted;
You have lost your job or all sources of income on the basis of which you obtained the loan;
You have temporarily lost your sources of income (technical unemployment, unpaid leave, etc.);
The holder/co-payer of the credit has died;
You have financial difficulties caused by staggered payment of the overdraft/credit card following the cancellation or reduction of the credit limit; you are experiencing financial difficulties due to over-indebtedness.
Types of Solutions for People
In financial difficulty
You can benefit from the following restructuring solutions (individual or cumulative):
Reduction of the monthly payment rate for a maximum period of 24 months. The decrease can be made up to 30% of the current value of the loan rate subject to restructuring, depending on the situation faced by the participants in repaying the loan;
Extending the credit period (the client’s age cannot exceed 70 years at the final maturity of the credit);
Granting a debt consolidation loan – the accumulation of several BCR loan products in a single loan (resulting in a reduction of the customer’s monthly financial effort);
Granting a grace period (3 months maximum, with the possibility of extension for another 3 months
This restructuring treatment can only be applied for the total loss of repayment sources);
The granting of a restructuring treatment or treatments entails their reporting to the Credit Bureau.
Consequences arising from the process of reporting to the Credit Bureau may vary depending on the policy of BCR or other banks. Credit institutions may reserve the right to stop granting new loans until the restructuring treatment is completed or until the monitoring period expires, as the case may be.
Our operators are at your disposal to offer you specialized advice in order to agree on a solution to restructure your credits. You can call us free of charge, from Monday to Friday, between 9:00 a.m. and 8:00 p.m., at phone number 0800 800 555.
Are you having difficulty repaying your loan installments?
Complete the application above or call 037 221 44 06, callable at the normal rate!
Every working day, between 09:00 and 17:30, a dedicated team is ready to offer you:
Assistance and solutions for repayment of installments, suitable for your possibilities of payment
Information about the payment of due and future installments, the origin of outstanding amounts, etc
Additional details regarding notices to pay outstanding credit installments
Answers to any questions about paying your installments