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Last year, 329,475 files were handed over to debt recovery totaling 868,108 million euros, 25% less than the previous year, informed the Protection Center of Consumer Rights (CRPC).
In Brief:
- The Number of Files Transferred to Debt Collection Decreased Last Year
- The Largest Number of Debt Relief Cases Related to the Non-Bank Loans Sector
- ] Total debt increased by 34%.
In the first half of the year, 164,383 debt collection cases were handed over for recovery of a total of 805,710 million euros, while a total of 165,092 debt claims for a total amount of 62 399 million euros were transferred with authorization. it is obvious that in 2017, as in 2016, most cases were transferred to debt collection:
- non-bank loans – 43.57% or 143,565 cases for a total of 94,350 million d & # 39; euro;
- goods and services – 27, 97% or 92,166 cases for a total amount of 18,478 million euros;
- electronic communications, Internet, telecommunication service provider i – 15.09% or 49,702 business for a total of EUR 8.161 million
CRC positively estimates that in 2017, the total amount of newly transferred receivables decreased by 44%, 41.390 million fewer than 2016
Compared to 2016, the largest increase in out-of-court remedies for transferred debt is in the goods and services sector, 28% more than in 2016 The number of cases of debt services transferred for household services, particularly for management, electricity, natural gas and heating services, is particularly high
The CRPC believes that consumers' difficulties in pay for services received may be related to a significant price increase. . In turn, due to the heating season, the total amount of payments caused difficulties for households to pay for the services received. According to the information provided by the CRPC, the above indicators indicate that a large portion of consumers are having difficulty purchasing the necessary goods and paying for daily day-to-day services, which indicates a poor financial situation for consumers.
Although in 2017 there is a positive trend to increase the number of cases recovered, however, considering the fact that the total number of cases transferred to debt recovery has also increased, the percentage of cases completely recovered, compared to 2016, is almost unchanged
In the first half of 2017, 13.71% were fully recovered, but 14.28% in the second half. In addition, the number of partially recovered claims in 2017 continues to decrease by about 3% compared to 2016.
Last year, not only the total number of records recovered, but also the number of unpaid debts have increased considerably. , but unpaid debts – in the first half of 2017, the number of uncollected debts rose to 79.34% and fell to 78.25% in the second half.
As of December 31st of last year, the total debt portfolio was 1.015 billion euros. 34% more than the previous year
Analyzing the entire debt portfolio by sector, which transfers the debt of its customers to service providers, the CRPC concludes that the main positions of the debt portfolio are unchanged in three sectors: non-bank credit, goods and services, and the electronic communications sector.
In total, the debt portfolio comprises 1,107,614 claims, of which 33.67% (372,901 cases) in the non-bank loans sector, 26.07% (288,781 cases) in the property sector and services and 25.40% (281,364 cases) in the electronic communications sector.
Compared to 2016, the transfer of debt to credit institutions results in a 63.98% increase in the lending sector, 25.54% in the non-bank lending sector, 6.06% in L & D. Last year, 29 extrajudicial debt collection service providers operated in Latvia, which received a special permit or license to recover extraordinary debts issued by the CRPC, including four new service providers licensed in 2017. [19659020] (function (d, s, id) {
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