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Debts on the "communal" prevented the Komsomol member from buying an apartment

Debts on the "communal" prevented the Komsomol member from buying an apartment
Photo: pixabay.com
Special project Financial literacy

A resident of Komsomolsk-on-Amur was not able to buy an apartment on a mortgage, because she had outstanding debt for paying utility bills. In order for the data on debts to disappear from its history, I had to pay the full amount.

According to the press service of the UFSSP in the Khabarovsk Territory, the woman accumulated debts for the "communal" more than 100 thousand rubles, then the enterprise of the fuel and energy complex sued her. As a result, the court ordered the Komsomol member to pay the full amount of the debt, but she did not want to do it voluntarily.

The bailiffs instituted enforcement proceedings against her, data on debts appeared on the State Service portal. This was the reason for the refusal of banks in obtaining a mortgage. To make the record disappear, the woman paid all the debt.

The expert of the information portal Zhilfin.rf (within the framework of the project of the Ministry of Finance of Russia on financial literacy) Lolla Kirillova explains why the debts on the "communal apartment" are fraught. According to paragraphs 117, 118 of the Government of the Russian Federation dated 06.05.2011 N 354, the contractor restricts or suspends the provision of utility services, having previously notified the consumer thereof, in case of incomplete payment of utility services by the consumer in the manner and terms established by the rules. In this case, incomplete payment means the existence of a consumer's debt to pay one utility service in an amount exceeding the sum of two monthly fees for it calculated on the basis of its consumption standard, regardless of the presence or absence of an individual or common (apartment) metering device.

“They can limit the provision, for example, of electricity, if there is a debt of more than two thousand rubles, if the cost of the consumption standard is one thousand rubles, with proper notice, the procedure for which is established by paragraph 119 of the resolution,” said Lolla Kirillova.

The expert notes that it is possible for the consumer-debtor to conclude an agreement with the contractor to pay off the debt (installment plan), for this you need to contact the appropriate organization.

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