The woman was outraged by the mistake of Sodra’s mistake: she did not know anything until she saw the money frozen in 4 accounts

I knew nothing about the debt

A couple of days ago, Simona (real name and surname known to the editorial board) opened her email. banking and seeing that 86 euros are reserved in the 3 available bank accounts, it is indicated that it is Sodra’s debt. The woman was surprised because, as she believes, she always pays taxes honestly. Last year, she worked as a freelancer, so at the end of the year she had to complete an income tax return and pay established taxes.

“I am very upset, before each statement I consult with my assigned Sodros specialist because I don’t want to have debts. I was very surprised that the amount was reserved in 3 bank accounts “, Delphi she says.

Simona checked her Sodra account, but found no message that she was in debt. Here he found only Sodra’s decision to recover 86 euros of his assets, but no explanation of what and why.

“I immediately wrote a letter to my consultant assigned to Sodra, she informed me that a mistake had been made, but not mine. He accumulated some debt for 2019. It was very outrageous that I was not informed about the debt, I would have paid it myself if I had known I was in debt. So it turns out that I’m a bad guy who needs to get money back. Perhaps it will have an impact in the future if I ask for a loan from a bank that calculates my rating ”, indignant the interlocutor.

You cannot use more than 300 Eur for a few days.

Not only that, after verifying the Revolut account, the same amount was also reserved here, which means a total of 4 accounts. The money had already been deducted from one account, but for several days he could not use the money reserved in all accounts: more than 300 euros.

„Revol I don’t keep almost any money on the card, I use it for online purchases. If I plan to buy something, I transfer the money and make the payment. When I opened the account I saw that the amount is less. I am in debt for the same 86 Eur.

If, for example, I had a debt of 1000 EUR, then a total of 4 thousand would be reserved in my 4 accounts. EUR. Maybe I’m planning a big purchase, maybe it’s my last money and I shouldn’t have anything to buy to buy food, ”says Simona.

Additionally, Sodra’s letter states that the woman can appeal the decision within 20 days, but the money has already been deducted from her account. “Where is my right to appeal the decision?” He asks.

“The consultant told me that this was a mistake by Sodra or STI. If that is not mine, then maybe the state should take responsibility for the mistake made. But even if it was my mistake, I would definitely agree to pay for it myself. without recovering. First of all, the client must be informed about what he owes and why “, he concludes.

Sodra: Residents are warned before a money order is issued

Saulius Jarmalis, head of Sodra’s communication department, says it is difficult to comment on this case, when the specific circumstances are unknown, so he urges the reader to contact Sodra specialists, who will help solve this problem.

Delphi Reader Simona said she would contact Sodra in person and write a complaint about the unknown source of the debt.

According to S. Jarmalis, Sodra always informs residents and the self-employed if a debt is incurred. The residents of his personal account allegedly receive several calls to fulfill their obligations before submitting a payment order.

This year, when the deadline for filing income declarations was extended due to the quarantine and Sodra did not impose sanctions on the insured during the quarantine, all the self-employed residents who did not pay taxes on the declared income and did not ask Sodra for their postponement were informed in August. schools. We do this constantly, because we seek to cooperate with policyholders, and a money order is the last resort, ”says S. Jarmalis.

It indicates that the information is provided through the personal account for the insured www.sodra.lt/draudejui: “We recommend that employees indicate their contacts by logging into this account and accept that Sodra will send messages to the email address or telephone chosen one”.

“Ensuring that social security contributions are paid is Sodra’s duty to society. Sickness benefits, maternity social security benefits and pensions are paid with these contributions. Decisions are made based on information. available that the insured and other institutions provide ”, explains the Sodra representative.

However, taxpayers have the opportunity to run if there are doubts about the validity of Sodra’s decisions. If it turns out that the debt has been unreasonably calculated, Sodra would credit the overpayment as a future social security contribution or, if the resident so wishes, will refund the overpayment.

Why is money being reserved in all accounts?

Sodra, when recovering contributions, submits a single payment order for the amount of the debt through the Cash Limitation Information System (PLAIS) administered by the Registry Center. Mindaugas Samkus, representative of the Registry Center, explained in more detail how PLAIS works.

He points out that the system reserves the amount in all personal accounts when it receives a payment order, but only scans one of them, since it is not known exactly how much money the person has at his disposal. You can have five accounts, but four of them are empty.

“Sodra or STI give an instruction if a person is in debt. We then ask the Bank of Lithuania to provide the Records Center with information about the accounts the person has. Let’s say that a person owes 100 euros, but we don’t know if there will be such an amount in an account. The system is designed to freeze the amount in all accounts, then any one of the accounts appears and evaluates if there are enough funds in it.

If enough, the debt is deducted and all other freezes are restored within a few days, the person can continue to use those funds. If only 50 euros are found in one account, they are scanned, then the frozen amount in all other accounts remains 50 euros. This is how all accounts are checked one after another ”, explains M. Samkus.

According to him, the collection of debts is carried out as long as the instruction of the STI or Sodra is active. If there is not enough money in a person’s account, other procedures begin: courts, bailiffs, etc.

“If the system receives an instruction, it does not see if it is an incorrectly calculated quantity or not. If it is an error, the debtor, in this case Sodra, must inform the system that the order was placed in error.” If Sodra received a person’s money, Sodra received that money through the system, it should be the mechanisms to return it, because the system itself cannot do that, “explains M. Samkus.