Advice 1: How to know how much owe the Bank

The debt to the Bank - not the most pleasant prospect for anyone. Indeed, in this case especially, there is a risk very much increase your debts. To give them still have, but the amount will be much more than you used. Therefore, the status of your loan you need to follow very carefully.
How to know how much owe the Bank
You will need
  • phone;
  • computer;
  • - a credit card.
Instruction
1
If you don't know exactly how much you have to pay its credit obligation. Or, for example, made a late payment, you will help the Bank itself. To do this, or personally, to come in office of your lender, or call. In the first case, to yourself you must have ID. This is to ensure that you could identify as a responsible borrower. In the second embodiment, the Bank employee will ask you first a few clarifying questions to make sure that it is talking is the person who took money in debt. It normally includes questions regarding personal data (surname, name, patronymic, date of birth) and key words (that you used when making the loan agreement). After verifying all data, the specialist Bank will issue you an official certificate about the sum of all payments made, balance owed and current payment. The whole procedure takes just a few minutes.
2
Another option to know the debt - the use of the Internet banking. It can help to obtain all necessary information either through mobile phone or through the computer. To pay the debt, by the way, also by using multimedia.
3
If you have a credit card, you can check debt simply downloading the card into a dedicated Bank terminal. In response to a query about the debt, you will be given a check, which will be painted in detail the amount of your debt to the financial institution.
Note
To avoid any with the Bank no problem, keep all your paid receipts until full repayment of the loan obligation, and get help that the account is closed. Thus, in controversial cases, it will be easy to prove their integrity.
Useful advice
Once you get all the necessary information from the Bank, reconcile it with your existing. If you get discrepancies, you need to go to the Bank and deal on the spot. In the future it will help you save a lot of time and effort.

Advice 2: How to know how much to pay for the phone

The easiest way to find out the amount of payment for city phone - wait for the next account. However, there are situations when you wish to pay your current debt before he came or did not live at the address to which bills are delivered. Opportunities to obtain this information vary from town. Most of this is just a call or a visit to a phoneing company.
How to know how much to pay for the phone
You will need
  • - telephone, fixed or mobile;
  • - visit to the office of the operator;
  • - computer with Internet access.
Instruction
1
If you live in the same city where you have installed the phone, for which you want to pay and have enough time to visit phoneing company, can know the amount to be paid on the spot.
The larger the city, the more the phonecompany Noah points of customer service. In smaller regional or district centre it can be one of the whole city.
You can find addresses to phonegovernmental accounts, the operator's website or by phone, which is also usually specified in the accounts and the website operator (if any).
By visiting the office during working hours, contact box and let your room phone. If you have money can produce and paid in the same window, or the box office.
2
Source of information about the phoneMr. number where you can learn about debt, is also a bill from the phonecompany Noi and in the presence of her website. In most cases, for these cases, there is a separate room.
When you call tell your room telephoneand let the desire to know the amount to be paid. In some companies, unable to identify to ask in whose name a contract of provision of services.
3
Although today many phonebusinesses have their own websites, the ability to find out a debt through the Internet to provide a few of them.
For example, the Moscow fixed line operator MGTS allows its subscribers to do this through a personal account on the website.
But first you will need to obtain the password to log in to any the company's office or by calling the number listed on the website. The username is your phone.
In other regions, the availability and terms necessary to specify the operator.

Advice 3: How to check for debts owed to banks

To clarify the amount owed, the easiest way to contact each Bank with which you are or previously were in a relationship: took out a loan or use other Bank services. Another option is to contact the National credit Bureau. You can do this using any of the Bank whose client are, or any credit Bureau.
How to check for debts owed to banks
You will need
  • phone;
  • computer;
  • - access to the Internet;
  • - the passport.
Instruction
1
Contact all banks where either took out loans or having their account. Most often for answer a call in the call center where they will connect you with a competent specialist that will help you and verbally articulate the desired data. If for any purpose necessary the official response from the Bank, call the call center may not be enough. In this case, contact the Bank personally or send up a written request.
2
Contact the territorial Department of the Bank of Russia, if the Bank ignores your requests, including written. Describe in a letter the history of attempts to get the right information: when, how many times and in what form addressed to the Bank on this issue. Ask them to assist you in obtaining the necessary documents.
3
Make a request for a credit report in National Bureau of credit histories (NBCH). Request form for physical and legal persons you can download on the Bureau's website in the section which presents the borrowers.
4
Complete the request, sign and attest the signature of a notary.
5
Pay for the service if asked for it less than a year ago. Prices and details you can find on the website of NCB.
6
Send your request to the address: 121069, Moscow, Skatertny pereulok, 20/1, the National Bureau of credit histories.
7
Visit the post office where there is a Telegraph, if you don't want to spend money on notary services.
8
Compose a telegram, in which state your surname, name and patronymic, passport details and registration address. Don't forget to also include in its request a credit report.
9
Ask the postal workers to assure your signature on the telegram. To do this, show them your passport.
10
Send a telegram at the same address as the letter in step 6. Wait for an answer from the NCB.
Note
If you have problem debts, but they are not reflected in National Bureau of credit histories, that does not mean that your credit history is technically flawless. There are different interbank channels for the exchange of lists of bad debtors, and the presence of your data can be a sufficient basis for refusal in the next credit.
Useful advice
If you started to pester collectors or representatives of the Bank with whom you never had contact with the Bank on whose behalf are calling you or sending SMS to people. Perhaps your data out of the database of debtors in error, for example, your mobile phone previously belonged to their problem borrowers. Often this is enough to make the calls stopped. If that doesn't work, ask for help in territorial administration of Bank of Russia, and Roskomnadzor.

Advice 4: How to know how much to pay for Internet

Unlike utility providers, Internet service providers rarely send their clients account. The subscriber most often responsible to monitor their balance of payments. So you need to know how to obtain information about the amount of required payments.
How to know how much to pay for Internet
Instruction
1
Login to your personal account on the website provider. Usually the username and password issued to you at the conclusion of the service contract or you have to register on the portal independently. In the personal account reflects the balance of your account, and you can understand what amount should be replenished. In some cases, you will be able to make a promised payment, for example, if you cannot attend any of the provider's office or other place where they take the payments.
2
Learn the principle of removing the Board, which practices your provider. For example, unlimited online money from your account may be charged monthly or daily. In the first case, for the Internet to work you will have to pay the required amount prior to the first day of each month, and the second situation - to pay online or directly forward, or small parts, for example, a few days of use. Also at the same time specify whether you to withdraw money when the Internet is blocked due to negative balance. If so, it would be advantageous to block the channel in case you are some time are not going to use it.
3
When using the Internet charges for downloading information, keep account for some amount of money. This is necessary because you may not always know exactly how much information you have loaded.
4
Contact the provider's office. In any case, take your passport with you, although the account balance to you in most cases will be able to name at the mention of your name and address. On site you will be able to make the necessary amount. The operator will be able to tell you when to make the next payment that you have not blocked the Internet.
5
Verify the account balance using machines fast payments. This service does not provide all the providers. Note that for this you will need a contract number with the company connection or a number of your personal account in the system calculations.

Advice 5: How to know how much to pay for the loan

Question clarify the amount of the loan payment can occur for several reasons. For example, if you lost the schedule, earlier is making a big payment when the monthly repayment was missed a payment, have been made the incomplete amount or even have the intention to repay the entire debt.
How to know how much to pay for the loan
Instruction
1
Detailed information about the timing and amounts of monthly payments contained in the special Annex to the credit agreement. A document, usually called "payment Schedule". All information is provided in the form of a table, where you can see not only the next dues, but the amount of the remaining debt. Funds should reach the Bank before the specified date. Otherwise, for each day of delay you will be charged penalties or fines.
2
If the loan agreement is not at hand, you can use the Internet. On the websites of almost all banks provide the service called "my account". Username and password for login is automatically generated when obtaining a loan, this data can come in the form of SMS messages or they are made by the lender yourself when calling our contact centre.
3
In the personal account reflects full information about the loan. In addition, you can change your details, e.g. address, passport details or a contact phone number. Registration in the personal Cabinet and all the transactions most often are verified by special codes or SMS passwords sent to the phone number specified in the credit agreement.
4
To learn the amount of the loan payment by phone, which is listed on the official Bank's website or in the credit agreement. During a conversation with the operator you will need to introduce themselves and answer a few questions. Check the memory of SMS messages in your phone. Often, information about the upcoming payment and the date of repayment will be sent to the banks in advance. If the service you are not connected, then when you visit the Bank, ask the staff the possibility of its connection.
5
You can get a copy of the repayment schedule or find out the amount of the next payment on the loan in the Bank branches. When you call you will need to have a passport.
6
To order a duplicate of the schedule of payments you can electronically. For this you need to go to the official website of the Bank and to make appropriate treatment, do not forget to specify your e-mail address, telephone number and personal data.
Useful advice
When applying for a loan from ask the expert about the possibility to specify the necessary information on the phone. Most often this service is provided only after the signing of the contract.

Advice 6: How to know how much I owe on taxes

Most taxes are calculated for the average citizen Tax service of the Russian Federation or accountants of the company for which he works. Payments in an individual order must meet the tax charge incurred by the tax without citizen participation. Learn about debt you can go to the tax office at the place of residence or using the new service FNS of the Russian Federation in the Internet. To do this, follow a few simple steps.
How to know how much I owe on taxes
You will need
  • Internet
  • Inn
Instruction
1
Go to the website of the Federal tax service of the Russian Federation located at the address http://www.nalog.ru/. In the upper left of the main page select the tab "E-services" and select in the menu the section "Personal Cabinet of the taxpayer", especially designed for personal information on accrued tax payments and existing debts.
2
In the next window you will be asked to give consent or to refuse to provide personal data that will be used to search in the system of personified registration of information and creation of payment documents. Confirm willingness to provide their personal details by clicking "I Agree".
3
In the active field, enter your taxpayer identification number (TIN), surname, name and patronymic ( the latter is not required). The region will be automatically selected by the system from the database on the basis of VAT, provided for filling in the boxes in order. But it is possible to select the region manually from the drop down menu in the appropriate row. Now very carefully copy in the box the numbers you see, the system verifies that your computer's settings according to your requirements. Click "find" to select the appropriate files.
4
In the opened window you will see a list of your debts for taxes or a clear space, indicating a lack thereof. Each separate line will be the tax details of the tax inspection (with the possibility of instant communication via e-mail to resolve disputes) and payment amount. Here you will be able to print a receipt in the prescribed form, already filled in details, for the payment of the tax in the Bank.
Note
To quickly jump to "taxpayer's office" you can use the link with its address specified at the end of the article.
Useful advice
For information regarding the regulatory framework for the formation of tax payments for individuals you can go to a special section of the site. In the upper left of the main page, select "individuals" and go to the section specifically designed to inform citizens about news and changes in tax laws, allocation of regulatory material and documents.

Advice 7: How to know how much money is in the account

Today, the cardholder can check the balance on your account in a variety of ways. Moreover, some methods allow you to check the account balance without even leaving the house.
How to know how much money is in the account
You will need
  • Computer with Internet access, a Bank card.
Instruction
1
The simplest way to check the balance on the account is the visit of the owner to the nearest ATM. To see the balance, first you need to insert the card into the device and enter the pin code. In your account you can check the balance of money on account, ordering a check print or display information on the ATM screen.
2
Also you can check the balance of your account by calling the branch of your Bank. You will be connected with a specialist who needs the following specific information: name, account number and code word. If you call the correct data, you will be notified by the Bank employee about the status of your account. Services some banks are automated, you need to communicate with the Manager – follow the prompts telephone menu, you have to enter your username and password, after which you will be able to obtain the necessary information. The call must be from a telephone that supports tone dialing.
3
To know the status of your Bank account you can also via the Internet (the Internet Bank). For this you need to go to your Bank's website and log in to your personal account by entering a username and password. Here you can also see all transactions on your account, transfer funds to another account to run the utilities. Note that the Internet banking today is implemented, not every financial organization.

Advice 8: How to know the debt on the vehicle tax

Arrears of taxam - a thing unpleasant. In fact, in accordance with the law, on the debtor's non-payment of tax on time imposed a duty to pay more and penalties. And they run every day and themselves represent a significant amount. So the sooner the taxpayer finds out how much he needs, the better.
How to know the debt on the vehicle tax
You will need
  • In order to know the amount of debt you will need:
  • computer;
  • -Internet;
  • -identity documents.
Instruction
1
Usually once a year those who have in the ownership of the vehicle comes a notification letter from the IRS. But sometimes it so happens that a taxpayer that message is not getting or losing it, forgetting when and how much he had to pay. And duty to the state appears. For late payment of tax penalty is charged in the amount of 1/300 refinancing rate of the Central Bank of Russia per every day of delay.
2
To find out whether a debt and the amount you need to pay should come to my Tax office. There is a need to present identity documents, you can find all the information you need. And get a duplicate receipt for payment.
How to recognize <b>debt</b> vehicle tax
3
About debt learn without even leaving the house. You'll need a computer with Internet access. To do this, go to the website of the Federal tax service. There select the section "Personal Cabinet of the taxpayer". The system will then ask for confirmation of consent to obtain personal information. And after all the formalities necessary in the space provided on the screen fields to enter your data. It was the first and last name. The system will automatically find all your debt.
How to recognize <b>debt</b> vehicle tax
4
Your INN if you don't remember or know, it is possible to get information on it right here on the website. To do this, enter the surname, name, patronymic, date of birth, type of identity document, series, number and date of issuance of the document.
5
After completing all these procedures, you must print the receipt and pay duty and available penalties. And the next time in advance to worry about how to find out what amount you need to pay to the state.
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