Quick credits

How to leave ASNEF

What for many is a real nightmare, for others it goes completely unnoticed. ASNEF , an acronym that makes more than one tremble, but that generates indifference among a good part of the population, better for the latter….

However, how you never know the turns that life takes, for some and for others, we explain what Financial Credit Institutions is, what consequences it has as consumers and investors and how we can get rid of it. Stay tuned.

ASNEF: what, when and why

ASNEF is the acronym for the National Association of Credit Financial Establishments, so far, the thing does not arouse suspicion, right? But if we tell you that it has the largest file of data on non-compliance with monetary obligations provided by creditors, things change ...

The ASNEF file includes all those people who have breached any monetary obligation , and that poses a problem for the debtor, since every credit institution consults the file before granting, for example, a loan. So, do you think it is easy to apply for a mortgage if you appear in ASNEF? Obviously not.

The first record of defaulters and defaults in the Spanish market emerged in the mid-1990s when financial and banking delinquencies were at all-time highs. The objective of such registry: the provision of information services on financial solvency and data credit (both for individuals and legal entities) to support decision-making in the financial and credit field. In other words, inform banks, savings banks, Fintech or other companies about who pays and who does not pay their debts.

The consequences of going out in ASNEF

Broadly speaking, it is impossible to apply for a loan, credit or advance, and if it is possible, do it for much more money. Those who appear in ASNEF are faced with a multitude of obstacles, when not with higher commissions and interest rates , but not only in the banking sector. Hiring a phone line or renting a flat can also be an odyssey.

Over the last few years, the inclusion of people in the file has brought with it a certain controversy due to the ambiguity of some cases, for this reason, the law currently obliges them to comply scrupulously with a regulated procedure and certain requirements before registering someone. In addition, any citizen has the right to consult their data in ASNEF.

Leaving ASNEF, a priority

It is true that there are companies, such as some online credit institutions, that are willing to grant you a mini-loan while still appearing in this file, however, they are the least, hence the importance of getting out of it.

If you have contracted a debt, because you owe several electricity bills or the installments of a credit, microloan or mini-loan, and you want to leave ASNEF you must carry out one of the formulas that currently exist to unsubscribe, for example, try to reach an economic solution with the creditor to cancel the debt, if it is an error, notify the regulatory body or prove the lack of prior notifications, or allow six years to pass, since your data will not be able to remain in the file any longer.

Loan Amount
300
Duration of the Loan
30 days
  • Expiration date
    06/23/2020
  • Interest
    75
  • Opening commission
    30
  • Total to pay
    405
  • APR mini loan
    3752 %
  • TIN
    307 %

* YOU CAN ONLY REQUEST MORE THAN € 300 FROM YOUR SECOND LOAN (CAPITAL AND EARNED INTEREST).

Loan information

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EUROPEAN STANDARD INFORMATION ON CONSUMER CREDIT

1. Identity and contact details of the lender and / or the intermediary.

Lender: PooleFinance Pennsylvania, SL
Direction: Roane Avenue, 32, 3º, 08006 Dornsife
Email: Unsubscribe [email protected]
Website address: www.welcometopoole.co.uk
Registry: Registered in the Mercantile Registry of Navarra. Volume 1620 Folio 129 Sheet NA3213

2. Description of the main characteristics of the credit product.

Type of credit. Consumer credit. Distance credit to consumers.
Total amount of the credit.

That is, the maximum amount or the sum of all the amounts put to
disposition of the consumer in the framework of a credit agreement.

{Loans.Amount} euros
Conditions governing the disposition of funds.

That is, when and how the consumer will get the money.

Once the Loan Agreement is perfected, the Lender will make a transfer for the amount of the Loan to the bank account that has been provided by the Borrower in the Loan Application or will make the requested amounts available to the client for withdrawal through Hal Cash.
Duration of the credit agreement. The Borrower must pay the Lender within {Loans.Term} days, the payment date being the following: When the aforementioned payment date coincides with a day considered non-business as provided in the General Conditions, the payment must be made on the day skillful immediately following.

Notwithstanding the foregoing, the Borrower may extend the term of the loan in accordance with the conditions set forth in the General Conditions.

The terms and, where appropriate, the order in which the installment payments will be made. A single payment of the Loan amount plus interest and / or expenses and must be paid by the Borrower to the current account indicated by the Lender at the time of repaying the Loan, which includes the amount of {Loans.Amount} euros per principal. and {Loans.LoanFees} euros for accrued interest.
Total amount that you must pay.

That is, the amount of capital borrowed plus interest and expenses related to your credit.

{repayable} euros

The total amount to be paid by the Borrower will depend on the total amount of the loan granted and the term of the Loan.

3. Credit costs.

Debtor type The annual interest rate is {annual_interest}%
Annual equivalent rate (APR):

The APR is the total cost of the credit expressed as an annual percentage of the total amount of the credit.

The APR is used to compare different offers.

APR {apr}%


being:
the number of credits paid by the lender
the sequence number of the credits paid by the lender (decline)
credit (decline) in the period
the total number of credits paid by the borrower
the sequence number of the credits paid by the borrower (repayment)
the credit (refund) of the period , Y
Y is the interval, expressed in years and annual fractions, between the date of the first credit and the date of the credit or . ( = 0)

The APR does not include costs derived from late payment (made after the payment date), nor the costs derived from notifications of payment claim or recovery management.

Is it mandatory to obtain the credit itself, or under the conditions offered, - take out an insurance policy that guarantees the credit, or - another ancillary service?

If the costs of these services are not known to the lender, they are not included in the APR.

No.
Related costs.
Conditions in which the aforementioned expenses related to the credit agreement can be modified The aforementioned costs may only be increased in case of extension of the loan or late payments, as detailed in the following section
Costs in case of late payments.

Failure to make a payment may have serious consequences (for example, forced sale) and make it difficult to obtain a loan.

In the event of non-payment on the due date of the Loan:

The Borrower shall pay a penalty for late payment, that is, for late payments, of 1.00% daily with a maximum of 100% of the principal, in addition to the unpaid amount.

The Borrower shall pay the reasonable costs incurred in his location in the event of a change of address of which he has not informed us.

The Borrower shall pay the reasonable costs incurred by the Lender up to the full repayment of the loan and the costs associated with it, including, where appropriate, those relating to the claim for debtor positions.

In the event of a delay in the repayment of the loan, the Lender reserves the right to judicially claim the repayment of the loan, to transfer its credit rights against the borrower or to communicate the situation of default, upon request, to the common files equity and credit solvency.

4. Other important legal aspects.

Right of withdrawal from the contract.

You have the right to withdraw from the loan agreement within 14 calendar days.

The Borrower may unilaterally withdraw from the Loan contract without having to justify it, within fourteen (14) calendar days, counting from what later happens: i) the Positive Loan Resolution date; ii) the date the Lender made the transfer or made the funds available to the Borrower or; iii) the date the Borrower receives a copy of the Contract.

In case of withdrawal, the Borrower will not have to pay the Lender any penalty.

In order to withdraw from the loan, the Borrower will send the Lender a written communication that will include the full name and DNI / NIE of the Borrower, a statement of their willingness to withdraw from the Loan, early repayment schedule of the financing, reference number of the current contract , place and date of request and signature of the Borrower. The withdrawal shall be deemed to have been made if, before the deadline to withdraw, the Borrower had sent the withdrawal notice to the address of the Lender.

Early repayment:

You have the right to prepay the credit in full or in part at any time.

The Borrower has the right to repay the Loan, in whole or in part, at any time before the agreed maturity date.
The lender is entitled to compensation in case of early repayment. In the event of early repayment, the Borrower will be entitled to a reduction in the total cost of the Loan, which will be proportional to the duration of the Loan that remains to elapse.

For its part, the Lender will be entitled to fair and objectively justified compensation for the possible costs directly derived from the early repayment of the Loan. The compensation may not exceed 0.5% of the amount of the Loan repaid in advance.

Querying a database. The lender must inform you immediately and free of charge of the result of a database query, if based on such a query the credit application is rejected. This does not apply if the dissemination of that information is prohibited by the legislation on the protection of personal data or is contrary to the objectives of public order or public safety.

The Lender may collect information related to the credit history and risk positions of entities providing information services on financial solvency and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) for analysis and, in your case, granting, monitoring and control of financing.

Right to a project of the credit agreement.

You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision will not apply if, at the time of the request, the lender is not willing to enter into the credit agreement with you.

The Borrower is entitled, upon request, to obtain a copy of the draft loan agreement free of charge. This provision shall not apply if, at the time of the request, the Lender is not willing to enter into the Loan contract with the Borrower.
Period during which the lender is bound by the pre-contractual information. The information will be valid for {Loans.Term} days from its delivery to the Loan Applicant.

5. Additional information in the event of distance marketing of financial services.

a) Relating to the lender
Lender: PooleFinance Pennsylvania, SL
Direction: Roane Avenue, 32, 3º, 08006 Dornsife
Email: Unsubscribe [email protected]
Website address: www.welcometopoole.co.uk
Registry: Registered in the Mercantile Registry of Navarra. Volume 1620 Folio 129 Sheet NA3213
Supervisory authority It is not subject to supervision by the Bank of Spain
b) Relating to the credit agreement
Exercise of the right of withdrawal. The Borrower may unilaterally withdraw from the Loan contract without the need to justify it, within fourteen (14) calendar days, counting from, whichever is later: i) the Positive Loan Resolution date; ii) the date the Lender made the transfer or made the funds available to the Borrower or; iii) the date the Borrower receives a copy of the Contract.

In case of withdrawal, the Borrower will not have to pay the Lender any penalty.

The Borrower must communicate his intention to exercise the right of withdrawal to the Lender, a procedure that allows the notification to be recorded in any way admitted by law.

In the communication you must indicate your full name; your DNI number; the manifestation of their willingness to withdraw the Loan, early repayment schedule of the financing, reference number of the current contract, place and date of request and signature of the Borrower.

It should be sent to the following address:

Roane Avenue, 32, 3rd, 08006 Dornsife.

The legislation that the lender accepts as the basis for establishing relations with you before the conclusion of the credit agreement. Spanish legislation and, specifically, by common civil law.
Clause on the applicable legislation that governs in relation to the credit agreement and / or competent court. The Loan Agreement will be governed by Spanish law and, specifically, by common civil law. The Parties submit, at their option, for the resolution of conflicts and renouncing any other jurisdiction, to the courts and tribunals of the Borrower's domicile.
If applicable, language regime Pre-contractual information (including offers, where appropriate) and contractual terms will be provided in Spanish.
During the term of the Loan, with your consent, we will communicate with you in Spanish.
c) Relating to the resource
Existence and access to extrajudicial claim and appeal procedures There are no extrajudicial procedures of third parties made available by the Lender for resolution of claim and appeal for the consumer.

In any case, any consumer, for the resolution of online disputes in consumer matters in accordance with article 14.1 of Regulation (EU) 524/2013, can go to the online dispute resolution platform provided by the European Commission, which is It is available at the following link: http://ec.europa.eu/consumers/odr/. Said platform is applicable only to consumers (Borrowers) residing in the European Economic Area who have a claim against the Lender. It is, therefore, incompatible with consumer disputes located in third countries outside the European Economic Area.

Note that the Lender is neither obliged nor assumes any commitment to use the indicated channel enabled for the resolution of conflicts with its Borrowers.

In any case you have any complaints or concerns, please contact us by sending an email to the following email address [email protected] or by writing to us at the following address:

Roane Avenue, 32, 3rd, 08006 Dornsife.

We also remind you that for any claim you can go to any consumer office.

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