Loan: ask questions, repay, raise the loan

checklist

… I DO NOT KNOW HOW TO REQUEST LOAN?

You can apply for a loan in two ways:

  1. Personal visit – you can sign up for a personal loan at our Prague office.
  2. Online – via the on-line form on our website or by phone at 800 187 187.

… I DO NOT KNOW WHY THE BACKGROUND ARE REQUIRED FOR LINKING LOAN?

To create a loan offer, we need to send or send several basic documents that vary according to the income categories:

  1. Employee – 2 identity documents, monthly account statement for the last 3 months (where payout is visible), 3 paychecks and receipt, telephone number to work if paid in cash.
  2. Trader – 2 identity documents, monthly account statement for the last 3 months, invoices issued for the last 3 months
  3. Retired – 2 identity documents, proof of retirement for the last 3 months – monthly statement from the account or postage stamp.

… I have not found how much I can borrow and how long?

We provide loans ranging from CZK 10,000 to CZK 150,000 with a maturity of 12 to 60 months.

… do I want to refinance (increase) my existing loan?

Contact us at 800 187 187 or contact us by email uverove@.cz . Another option is a personal meeting at our Prague office.

… do I have a paid loan and I want to provide a new loan?

Contact us at 800 187 187 or contact us by email uverove@.cz . Another option is a personal meeting at our Prague office.

… do not know what the Client Center is and how to sign up for it?

The client center is for clients who have an active or paid loan. You will find all the details of your credit. At the same time, you can apply for a new loan through the Client Center or refinance (upgrade) your existing one.

… I forgot my password at My Client Center?

Contact us at 800 187 187 or contact us by email uverove@.cz . Once you verify your personal information, we will assign you a new password. The whole affair can also be resolved by visiting our Prague office.

… did I send a repayment with bad or no variable symbol?

In this case, a proof of payment by e-mail or fax must be sent to the collection department. Based on the document, the payment is matched with your contract. The contact email is a mailing address@.cz .

… do I want to postpone the installment?

Contact us at our collection department at 800 187 187 by telephone before the installment date. If you have a good payment morality, the issue will not be delayed or deferred.

… do I want to pay the loan prematurely?

For information on early payment, please contact our collection department at 800 187 187 or send an e-mail request@.cz or send it by post. It will be set up to your system and your pre-payment will not hinder anything. Early repayment is, of course, completely free of charge.

… want to withdraw from the contract?

The statutory withdrawal period is within 14 days of the loan being granted. If you wish to use it, it is necessary to deliver us your withdrawal, which must include the loan agreement number and the date of signing the contract. We will then contact you with the acceptance of your resignation. To pay (repay) the principal and the statutory interest, you have 30 days from sending the withdrawal.

… do not I have payment information to pay my installment?

Contact us by calling 800 187 187 or e-mail us at request@.com . We will be happy to send you an SMS or email.

… will there be any change in my personal data?

Any changes you make to yourself (change of surname, phone number, email, employer, addresses) need to be reported to us. Simply send an e-mail to requests@.cz or call us at 800 187 187.

… do not know if I can apply for a loan when I am on maternity leave?

In this case, you can not apply for a loan.

… do not I want to document the purpose of the loan?

We offer completely purposeless loans (ie, loans for whatever), so we will not require proof of what you want to use.

… do not I have anyone who could guarantee me, and no real estate to guard?

For any of our loans, there is no need to stop the property or have a guarantor. Therefore, your credit application does not hinder anything.

… are I afraid of fees in advance, so that I do not fire?

When negotiating a loan from you, we do not want any fees in advance. The first payment you make will be a regular monthly installment.

… do I need money really fast?

In this case, it will be ideal to apply for a loan personally at our Prague office. The entire settlement process, including the cash payment in cash, will last 20 minutes. Another option is the online negotiation of the loan, when the contract will be signed by the courier. Your money will then be sent to you within 24 hours.

… I’m out of Prague and I want to make a loan?

That’s really no problem. Simply fill in the on-line form on our website or contact our customer service center at 800 187 187. After your agreement, send us the necessary documents for writing a contract by e-mail or post. Here, our courier will bring you for free, then you will receive the money for your account.

… do not know how to repay the loan?

We offer our clients four possible ways to repay the loan, namely:

  • Transferring money from an account to an account.
  • By depositing cash on the account listed in the repayment schedule.
  • Postal voucher.
  • In cash directly at the branch.

… can not I document my income?

In this case, unfortunately, we do not provide loans, since proof of receipt and verification of the ability to repay is by law a necessary part of the loan.

… I’m an invalid pensioner and do I need to borrow?

We borrow people in disability pension, provided they have a proven monthly income of more than CZK 10,000, and prove their ability to repay the loan properly.

… am I executed / I am insolvent?

If you are charged with execution or you have fallen into insolvency proceedings, we will not be able to offer you a loan.

… I’m asking for my first loan and I do not know how it’s going on all the time?

There are two possible ways to handle the loan:

  1. On-line application – fill in the on-line form on our website or call the customer center. In the shortest possible time, our consultant will contact you with whom you will choose the best and most advantageous option for you, and you will agree to send the necessary documents to write the contract. Here’s free to bring our courier back home. Once signed, you will have money on your account within 22 hours and 22 minutes.
  2. Request at a branch – Re-fill the form or contact our customer center. Our consultant will call you as soon as possible and arrange a meeting with you at a branch office in Prague. It also tells you what documents you need to bring with you. After that, you will just arrive at the branch on the agreed date and sign the contract. You can get cash in 22 minutes in cash by hand after signing a contract at our Prague office.

… do not know if I qualify for a loan?

To get a loan, you need to meet a few basic conditions – you must live in the Czech Republic, be over 21 years old, provide the necessary documents proving your ability to repay the loan and not to be in execution or insolvency.

… can not I repay the loan in time?

If this problem occurs, it is best to contact us immediately and let us know about your situation. Together we find the optimal solution. However, if you do not address the matter, we will charge you for the penalties provided for in the contract. We strongly recommend you to get acquainted with the contract, especially with the fines and penalties that may follow in the event of your failure to comply with the terms and conditions.

… I am interested in how long does the loan take?

Usually from 22 minutes to 2 days. It depends on how our call center consultants can find you on your mobile phone, as well as when to arrange a meeting with our consultant in case you want to solve the whole thing personally at our branch office in Prague. From the signing of the contract you will get the money within 22 minutes in cash on hand. If you are dealing with a home loan, it depends again on how our consultants will find you in feedback on your mobile phone and then on how quickly you provide all the necessary documents to write the contract. Here, the courier will bring you home for free. The money will be sent to you within 22 hours and 22 minutes.

… do not know if I have the right to out-of-court settlement of a consumer dispute?

A customer who is a consumer has the right to out-of-court settlement of his consumer dispute within the meaning of the relevant provisions of § 20d et seq. of Act No. 634/1992 Coll., on Consumer Protection, as amended, in conjunction with Act No. 229/2002 Coll., on the Financial Arbiter, as amended. The competent arbitration body for consumer disputes arising out of loan agreements and similar financial services is the Financial Arbiter, based in Legerova 1581/69, 110 00 Prague 1 – New Town.

… do not I have the money to repay the loan?

In particular, do not “put your head in the sand”. It is important to act in such a situation, so please contact us at 800 187 187 as soon as possible. Together we will solve the issue, but we need your initiative. And remember, the sooner you start dealing with the situation, the easier it will be.