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He rejoiced in getting rid of the heavy financial burden
According to Audronė, he had financial concerns a little earlier. Her lover obtained a bank loan and she agreed to be a guarantor.
“That person did not repay the entire loan, there was a considerable amount left and I, as guarantor, owed the bank about 20 thousand. euros, ”said the woman.
Audronė says it was a difficult time both psychologically and financially: “I declared a natural person bankrupt because I met the requirements. But it hadn’t gone into effect yet, and then the bank offered me to sign a settlement agreement, setting a deadline to pay off the debt. That’s what happened. I finished paying the debt to the bank in 2018.
I received a letter saying that everything was done and that I no longer had any debts.
Then I asked the bank to write me a letter stating that I had fixed me. I received a letter saying that everything was done and that I no longer had any debts.
I was delighted to get rid of the heavy financial burden. At the time I was still studying for a doctorate, the problems were enormous, I had been out of school for a couple of years because it was physically and psychologically difficult. I finally finished my PhD studies this year and started working on the first day of September. “
I checked the account: it was empty
But about two weeks ago, the woman received a call from work that she received awkward letter.
“It just came to my attention then. I opened it and was surprised. It was a letter from a bailiff who I had dealt with in the past and who had also received a letter from the bank saying that he was no longer in debt. And the writings of the bailiffs are so dry – to deduct the debt from the salary.
There was panic, what was happening here, maybe I didn’t understand something, maybe I didn’t do something, maybe someone came out of somewhere? Calmly I collected my bank documents, verified everything. Everything seemed fine, “said the woman.
Audrone had the idea to verify his bank account; he knew the bailiffs were blocking them. Then he stopped again, the bill was empty: “And there were about 5 thousand on the bill. EUR. “
Throughout the weekend, Audronė says she felt fear, panic and despair, did not give up and had obsessive thoughts. The woman has two jobs instead of one, but she doesn’t know if the sheriff’s letter was sent to both jobs.
“You feel so miserable, you feel insecure. I wrote an email to the sheriff, attached that bank note that said I was not in debt. But the whole weekend was not abandoned by obsessive thoughts. So what, for example, if a bailiff is on vacation? ”Audronė said.
On Monday morning, the woman contacted Sheriff T. Ubart’s office.
“It just came to our attention then. Something went wrong because before the cases belonged to one district and now they have been moved to another since July. Employee error,” Audronė said.
The woman asked him to return the money as soon as possible and to inform her of the work.
I asked them to also explain the situation at work, because that is also a matter of reputation.
“He promised to return at noon, but returned around 2 pm He wrote in the letter that he apologized. However, I asked them to also explain the situation at work, because that is also a matter of reputation. However, they were sent to work only to the extent that it is not necessary to execute this executive case, and they did not explain anything more, ”said Audronė.
When a woman asked the bailiff why, before writing off the money and sending the letter to work, she did not inform her of the alleged debt, she says after hearing that the debtors were not informed.
“It’s good that I was notified of that letter from work, so I saw an empty bill right away. What if I see later when I would have to pay for something? I would not have understood what was happening. By the way, I had to pay the services that same Monday. It’s a strange feeling when you have money but you don’t have it. Feeling completely helpless.
Finally, past debts are confidential data, why should I know that I had financial problems at work? ”- said Audronė.
Bailiff: The clerk’s error was corrected immediately.
15 minutes approached Sheriff Thomas Ubart, who provided written responses. The sheriff says his law firms have to deal with Audron’s financial problemsė, the execution case is still pending, the debt has not been covered:
Debt collection against women has been going on for a long time, since 2014. 2016 Insolvency proceedings against a natural person have been initiated against her.
In 2017, the woman entered into a conciliation agreement with the creditor, which confirmed that the rest of the creditor’s credit would be recovered from the real estate that belongs to her, specified in the contract (carrying it out on a mandatory basis). Until ownership is realized, the enforcement case cannot be completed or suspended.
The sheriff’s office clerk’s human error was corrected immediately.
Since 2018 the digitization of all the execution cases in my office began, the written information is transferred to the information system of the bailiffs.
In early September this year, an office worker discovered that the borrower had found a new job. Due to the large volume of documents in the foreclosure case, the employee did not notice in the electronic case that the recovery continues only of the property belonging to the debtor specified in the contract, which does not include cash and salary.
As in many other cases, the usual means of enforcement have been applied, with limited funds in a bank account and selective debt recovery.
The woman on September 6. After contacting the sheriff’s office and observing the court-ordered recovery procedure, all restrictions on funds were immediately lifted. Deregistered funds were returned to your account and the fee was also refunded to the Records Center for forced cancellation of funds. The sheriff’s orders on debt recovery were also immediately reversed and the workplace was reported. We apologize to the indebted person for the inconvenience. “
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