Customers

Under Articles 436 – 445  of the Law of Contracts and Torts (“The Official Gazette of the Socialist Federal Republic of Yugoslavia”, Nos. 29/78, 39/85, 45/89 – Constitutional Court Decision, and 57/89, “The Official Gazette of the Federal Republic of Yugoslavia”, No. 31/93, and “The Official Gazette of Serbia and Montenegro”, No. 1/2003 – Constitutional Charter), hereinafter: „LCT“) and the Assignment Agreement, B2 Holding Kapital has become the title holder of mature outstanding receivables. As new creditor, B2 Holding Kapital has taken charge of the further debt collection procedure. According to the LCT, you should be informed of the assignment of receivables once a collection company takes over, however, your consent to the assignment is not necessary.

When it comes to the payment of your debt, we aim to be flexible and adapt the payment as much as possible to your personal financial situation. If you are unable to pay the entire debt at once, we can agree on a payment plan. Furthermore, there is a possibility for partial debt write-off as part of your debt payment agreement. For more information about the options available for debt repayment please contact our call center at +381 11 44 09 601 or send us an e-mail at centar@b2kapital.rs.

Any collateral previously activated and any enforcement documents will be canceled following the payment of the debt in connection with which they were issued.

B2 Holding Kapital takes necessary action as soon as the debt has been paid and sends a request to unfreeze the account to the relevant institutions – banks which froze your account as your prior creditors. When it comes to further steps, we encourage you to be patient as these institutions do not have legal time limitations to take the required steps when it comes to unfreezing your account.

If your bank account is frozen, your income legally protected from enforcement may not be garnished.

Once it purchases a claim, B2 Holding Kapital charges default interest. We do not assign any additional charges or fees to your debt.

An obligation of a natural or legal person (debtor) to pay something (usually money) to another person (creditor).

A claim is transferred or assigned from the current creditor (assignor) to a new creditor (assignee), while the debtor and the claim remain the same. An assignment may be done based on an agreement, law or court order.

Legal or default interest is a sanction imposed against a debtor who is overdue with their payment obligation. The default interest rate is set by the law or other regulations. The creditor is entitled to default interest regardless of whether it sustained any damage as a result of debtor being in arrears.

A fee for the use of replaceable, movable assets — most often money — owned by others. The interest rate is expressed as a percentage and is deemed to be the price for the money or capital payable by the borrower or debtor for using the money, capital or other replaceable assets given to them.

The creditor is a party to a contractually binding arrangement authorized by the other party, i.e. debtor to demand surrender of assets, performance or non-performance of certain actions the debtor would normally be entitled to, or demand the debtor to give something up.