One of the biggest problems for users is that they are integrated into a list of defaulters. There are many of these features, but some of the best known are ASNEF, RAI, etc. If your name appears on any of these lists, you will surely have more than one problem. Especially in your relationships with financial institutions. To the point that you may be denied the granting of any means of financing. Just for being one of the people who are incorporated into these lists so little desired by consumers
There may be many reasons for you to be on the list of ASNEF, RAI, etc. But one of the most relevant is that you are in debtor position with any bank. That is, you owe money from the granting of a loan, but also generated by other banking operations. For example, not having paid the overdrafts in your checking account. This is one of the main reasons why you should be very careful to be at peace with your usual bank. Because it can harm you in the very near future.
However, a large part of users fall into the serious error that only debtor positions with banks are the reason for being on a list of defaulters. Because it really is not like that, but on the contrary you can also be included as a result of non-payments to other companies. Among which the fixed or mobile telephone operators, insurance companies and even the suppliers of the domestic services (water, electricity, gas, etc.). As you will be checking to accumulate debts in any service it will not be profitable. In addition, it will close many deals with the bank that you operate regularly.
Am I on the ASNEF list?
Now comes the most interesting thing and it is to know if your name appears in a list of defaulters at the end. It is not very difficult to detect it, but on the contrary you will have to dedicate a little time to this task. But in the end you will have the complete assurance of whether or not you are in ASNER, RAI or another list of these characteristics. Well, firstly, it will be necessary for you to know in depth what these associations that cause so much fear among a large part of the users consist of. So that in this way, you have clearer what will your situation be if you are included in the list of these entities.
As regards ASNEF, it is an association, whose acronym means National Association of Financial Establishments, which includes companies of all kinds (banks, telecommunications, insurance companies ...) and also public administrations. The problem is that many of those people who are registered in this file they don't even know that it exists nor what is this entity. But it is not the only entity that pursues these ends, but on the contrary there are many others that are not as well known as this one.
Queries in the files
To verify that you are really registered in the listing defaulters of the ASNEF, you only have to enter their website, through a telephone consultation and inquire if you are really integrated into their file. It will be the most agile and quick strategy to investigate your financial situation. So that in this way, you can be sure that your name is or is not on this list of debtors. In any case, banks have access to them and consult them to see if they can approve their clients' request. But they are that they can give you information about the result of these commercial investigations.
Another system that you can use to make sure that your name is not included in any list of defaulters or that you have outstanding debts with the companies is through the access to the file. In the first place, it will be necessary for you to send a legal document of consultation to the company responsible for the file of debtors of ASNEF. As a consequence of this action, you will have open access to the file of this association. In this way, you can check if you are one of these people who are in a debtor position with a company or body. Moreover, at all times.
How to remedy this situation?
On the other hand, one of the objectives of the members of the ASNEF-style lists is to get out of them. For this you have several strategies so that you disappear from the list as soon as possible. Do you want to know what these strategies are and how to manage them? Well, pay a little attention because they can help you get out of more than one trouble at some point in your life.
The first phase of the process will consist of paying the debt as soon as possible so that you are in a position to request that your data are deleted from the registry. So that in this way, you no longer appear in the group of delinquent clients. Another alternative that you have at hand is to demonstrate that the process has not been developed in accordance with current regulations. This, in practice, is based on the fact that this class of companies are obliged to inform you in writing in advance. Specifically, the expiration period of this notification is 30 days.
Denial of credits
One of the most feared effects of being on the ASNEF list is that you will have access to any kind of financing from credit institutions prohibited. However, you have not lost everything. Not much less. Because some online financial platforms They offer loans with Financial Credit Institutions so that people included in these files of defaulters can achieve their objectives. However, these are very special lines of credit. Characterized by the fact that they are granted in low amounts, generally below 3.000 euros. And with very abusive conditions on the part of these financial entities. In particular, because they generate a very high interest rate, in most of the offers above 20%.
In any case, it is a mean solution for get liquidity in situations of great urgency. Such as, for example, pay off debts with third parties, pay taxes or special exceptional monetary demands. On the contrary, one of the advantages of this very special type of credit is that they can be formalized in a very short space of time. Because in a few minutes you will have it in your checking account and with a more agile formalization. That is, you will not need to justify the destination of the amounts. Not even that you present a series of documents: payroll, income statement or income from recent years. To the point that the request is materialized in most cases through a form.
Conclusions on this scenario
Of course, this situation is not something that is alien to you. It can happen to you as it happens with thousands and thousands of users who have ended up with a situation of defaults. It is very necessary that you check what is the real case of your person. Because if so, you will have no choice but quickly remedy this incident. Although it is a serious problem to adjust to your family or personal budget. Not surprisingly, in the medium and long it will be a decision that will more than compensate you. To the point that you can get to it for a really insignificant debt. But without a doubt that it will harm you in your relationships with credit institutions.
You may think that that debt that you maintain alone is known by yourself and by the other party. It is a serious mistake that you can pay very dearly from now on. And if it is as a consequence of an abusive action on the part of the affected entities, the best situation will be to clarify why you have reached these debtor positions. You will surely reach a satisfactory agreement with the other party so that they are never included in a list of these very special characteristics. You will see how this solution based on the consensus of both parties is much better.
On the other hand, you cannot forget that a bad agreement is always better than reaching this drastic situation. Beyond the amounts required by the other party. In this sense, it is an action that occurs with certain frequency in fixed and mobile telephone operators, as well as in the main household services (mainly gas and electricity). This is one of the main reasons why you cannot stay in this situation. Because at the end of the day, financial institutions they will end up finding out everything. As painful as this is for your personal interests.
From this general scenario, do not doubt that it is a very frequent action and that before including you in ASNEF (or other lists of defaulters) the company to which you owe money try to find out what really happened and that it tries to collect that money you owe on your accounting positions. Because, and finally, you cannot rule out that the affected company tries by all means to exhaust the friendly way. It can be the perfect solution for both of you. At least you will have to reconsider what is best for you.