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The financial entities will no longer be able to deduct or seize money from their clients' salary accounts in the event that they have outstanding or past due debts for consumer loans, automobiles or mortgages.
ordered a decision of the Supreme Court notified to INDECOPI, which states that can not make the reduction that the client himself authorized in the contract that he signed as reported by the National Council of Consumers and Consumers Associations of Peru (Conacup).
"The Supreme Court has established that the remuneration, being intangible and of such impregnable character, is not compensable, that is, that it can not be affected by a debt, even if the customer has expressly authorized or in writing to the bank to do so, "said Paúl Castro president of Conacup in RPP Noticias.
Top of 2,075 soles
However, the salary is only inaccessible up to a ceiling of 2,075 soles, equivalent to 5 procedural reference units (URP). If your account exceeds this amount, the financial institution can only seize one-third of the excess in case of debts
In general, this ceiling has not been respected by the banks if the customer had allowed in his contract to deduct from your account for unpaid debts.
"There is a legal limit that is intangible of 2,075 soles, not that all the money that is deposited as salary or remuneration is intangible and if it has more, the surplus can not be seized only by a third party. "
Castro stated that if your bank or financial institution insists on charging you your salary account beyond the legal limit for an overdue loan, file a complaint or a complaint to Indecopi .
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