Questions & Answers

The most frequently asked questions

• How did my debt get to Donau Faktoring SRL?
• How is my debt covered?
• I want to help to repay another person’s debt. What is needed for that?
• I received a summons to the court hearing with the court. What should I do to avoid a court hearing?

• I have received a call for fulfillment from Donau Faktoring SRL. What should I do?
• I am aware of my debt and I want to pay it as soon as possible. How do I have to proceed?
• I want to settle my debt, but I do not have enough money to pay the full amount. How can you help me?
• What happens if I am not actively involved in my debt settlement?

• How do I find out what documents did my debt arise on?
• I am in a difficult financial situation, how should I resolve my debt in this case?
• I have repaid a payment to your account, why can not you confirm the payment?
• Why have I received a proposal for an execution order, when I am paying my debt properly?

And answers

• Question: How did my debt get to Donau Faktoring SRL?
• Answer: Your debt was transferred from the original creditor (usually the bank) to the new creditor on the basis of a contract assignment. If you have received a call for fulfillment from us, it means that Donau Faktoring SRL has repurchased your liability from the original creditor and is now entitled to claim reimbursement. We recommend you to contact our consultants as soon as possible to advise you on how to settle your commitment.
• Question: I have received a call for fulfillment from Donau Faktoring SRL. What should I do?
• Answer: We recommend you to contact our consultants as soon as possible. They will talk to you about the possibilities of solving your debt. You can use:
  
  
  • our phone line 257 199 404
  • email info@donaufaktoring.ro
  • dopis na adresu Blvd. Iancu de Hunedoara nr.2, bl.H6, sc.A, et.10, ap.35, sector 1, Bucureşti, România
• Question: How do I find out what documents did my debt arise on?
• Answer: For more detailed specification of the debt and the identification of what debt arise on, please see the call for payment of the debt you have received from the bank, as the original lender. Additionally, this information can be found on the notice of assignment of your claim to the new creditor, Donau Faktoring SRL, or in a pre-procedural reminder sent to your address. If court proceedings are already in progress, you have the right to inspect the court file containing all documentary evidence.
• Question: How is my debt covered?
• Answer: You have pledged to repay the borrowed principal in the contract, including interest on the loan, which represents the price of the money borrowed. Additionally, you are charged with default interest at the statutory rate, which increases the amount for each day when you are in delay with payment. To ensure that your debt is not increased further, we recommend contacting our consultants as soon as possible in order to agree on resolving your situation.
• Question: I am aware of my debt and I want to pay it as soon as possible. How do I have to proceed?
• Answer: If you have decided to deal with your situation and repay the debt at once, please send the amount corresponding to the total debt to our bank account. You can find the amount of the debt together with the bank transfer in the letter you received from Donau Faktoring SRL. In case of any questions, do not hesitate to contact our consultants who will advise you on the payment.
• Question: I am in a difficult financial situation, how should I resolve my debt in this case?
• Answer: We know that each of us can get into a difficult financial situation and that is why we treat each of our clients with respect, we try to motivate them and help them in solving their difficult financial situation. Debts are spread over installments that are tailored to the client’s current financial capabilities. While repaying properly and timely, our clients are protected against debt increase and court solution.
• Question: I want to help to repay another person’s debt. What is needed for that?
• Answer: In case you are not a client of Donau Faktoring SRL, but you want to solve financial difficulties of our client, we can only deal with you on the basis of authorization granted by our client to represent him in the matter. In order to protect our clients’ personal data, we can not disclose any information to you without a power of attorney.
• Question: I want to settle my debt, but I do not have enough money to pay the full amount. How can you help me?
• Answer: We offer our clients following possibilities of debt solution:
  
  
  • notarial record – the client recognizes his debt to Donau Faktoring SRL in the form of a written record in a notary office. A notarial record allows the client to repay the entire amount owed in regular monthly installments. As part of the notarial registration, the client is required to pay the statutory fee to the notary's office. While repaying properly and regularly, the client does not have to worry about execution. However, in case that the client fails to pay in time, the claim may be transferred to a court bailiff for recovery.
  • repayment schedule – instead of repayment of the entire amount owed at one time, the debt is spread over regular installments. When creating a repayment schedule, Donau Faktoring SRL strives to meet the client’s financial capabilities to adjust the installments. In this form, it is possible to deal mostly with low debts. Repayment schedule provides the client with assurance that the debt will not be further increased by additional fees. In case of proper (regular) payment the debt will not be dealt with judicially and the client does not have to worry about execution.
  • the court settlement – even in cases when the debt is already a subject of court proceedings, we are willing to terminate the court proceedings and allow the client to pay his debt in installments, in case the client is interested in solving his situation. In case of recognizing a liability to the creditor, the debt is no longer increased by court fees for other legal acts.
• Question: I have repaid a payment to your account, why can not you confirm the payment?
• Answer: It takes three business days for the payment to be matched with your debt. First, there must be a clearing of non-cash payments between banks. Then the payment is assigned to your debt. If you misinterpret one of the identifiers (such as a variable symbol) when entering a payment, then we are unable to properly identify and assign your payment. It may take up to a few more days for an incoming payment to be properly assigned. Subsequently, information about your paid amount is written into the internal system.
• Question: I received a summons to the court hearing with the court. What should I do to avoid a court hearing?
• Answer: In that case, we recommend contacting our consultants as soon as possible to discuss possibilities of out-of-court settlement. If we agree on an amicable settlement of your debt, we will ask the court to cancel the injunction, so your debt will not be further increased by court fees for legal action in the matter.
• Question: What happens if I am not actively involved in my debt settlement?
• Answer: If you do not solve your debt, the total amount will be increased by default interest every day. Donau Faktoring SRL will be forced to recover the debt judicially and enforce it through the executor. Your debt will thus be increased by court costs, costs of court proceedings and costs of the enforcement proceedings. We recommend you to contact our consultants as soon as possible and start solving your situation immediately. There is nothing to wait for.
• Question: Why have I received a proposal for an execution order, when I am paying my debt properly?
• Answer: Your payment may not have been properly identified, so we could not correctly count it on your debt. For verification, please send us a proof of payment on e-mail so we can review it. If you pay your debt properly and timely, there is no reason for execution order.