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As a result, Miss Wipa Banyen is the guarantor of student loans. From 1998 to 1999, there were 60 students. Debt settlement until the implementation of the teacher as guarantor. The house and the land were taken as indicated previously. (Do not do well!) See profile Finally, the house was brought home The answer to the question of social problems
How many people were prosecuted?
Mr. Chatcharoen Jatuporn said that on the 60 borrowers, 29 debtors have already been reimbursed, and 10 debtors have been prosecuted.There were 21 lawsuits in the number of lawsuits filed.Four of them, the four of which the teacher Vibhavadee came to repay the debt secured by the title, will withdraw the following seizure, the other 17 cases.In the process of execution, all 17 of them are guaranteed principal of about 190,000 baht without interest [19659004Soit'sawasteofteachersinsteadofateacher
Mr. Chainarong said no, you have to remove the sponsor or the teacher first. borrower but since the borrower did not find it.I have to go through the support. 30-year-old has a salary. But no real estate I can not find the property. I have to go to the supporters and confirm that. Gradually focus on the debtor. In fact, the opportunity to find the property of the guarantor is that the teacher is higher than the student.
million. Chainin explained that there is no requirement that a teacher can guarantee a student. And do not specify the amount of money. But the future to come. The system will adjust. To find a measure of protection in this regard, it can limit the amount of money can guarantee more and the number of people.
4. Guarantor Transfer Is there a way to do this?
million. Chainarong said that it is not possible to transfer the guarantor. Since 21 of them have judgment in the end, so the effect of the sentence is also related to the Vipassana teacher.
5 teachers to pay a debt to students.
million. Chainarong said that the Vipassana teacher has the right to resort to the lawyer from the borrower to find a lawyer.
6. 17 student trainees?
This teacher is not a teacher vip 17. But in the private sector by the rank of. If you have income through the IRS tax. If he is a gardener.
7. Professor Wipa still has to pay for the remaining 17 students or not?
million. Chainarong said that if the borrower does not pay off the debt And to find the property is not found. Where to work? Can not deduct wages according to the system. As a teacher, land confiscation worth hundreds of thousands of baht. Which is higher than the ten thousand debt.
Ms. Penrueam Saeng, Director of the Debt Recovery Division of the Legal Department, Ministry of Justice, explained that the law states that "Take away" should be "not on debt". It is a confirmation of the creditor that the teacher is a plot of land is a plot and can not be separated. The number of 21 borrowers who sued the case is the same as that of the defendant or the borrower. Can bring the total debt.
Ms. Penrueam Saengrung, Director of the Debt Collection Division, Department of Legal Execution, Ministry of Justice, stated that she could not do it. The law says this earth. When it is seized, it is forbidden to enter it except that the teacher will redeem the property. It can be used again. And that depends on how 17 cases are going on. As a creditor Is it possible to apply for a court order to seize the debtor?
In addition. Can be used as a creditor to apply for "average property" in the old case, which has already entered the field.
for the Education Loan Fund (GPA) is a government agency responsible for Minister of Finance And as a legal person. The fund has existed since 1996. It has existed for 22 years and aims to support and promote education by providing loans to education to increase educational opportunities eases the financial burden of parents. And develops Human Resources of the current country The Education Loan Fund Act, BE 2560 (1973), was implemented by integrating grants and unions under the same law. To resolve the barriers and limitations of the fund. This also increases the effectiveness of loan repayment and debt collection. The fund will be used to finance the budget. And the money that has been paid. It's a working capital to create educational opportunities for prospective students.
Information Fund Status As of April 30, 2018
The Fund has borrowers at the national level. Total 5.4 million people, of the amount of 57 billion THB, is divided into
– The borrower is in the study period / 1 million free debt
– The borrower has finished the debt.
– The borrower who is in debt of 500 billion baht
Refund
– Regular repayment of 1.4 million
– 2.1 million overdue accounts for late payment of 18 billion baht
defaulting debtors
– The default group of 1.2 million cases is awaiting payment of billions of baht
– The group was sued for 1 million cases and was paid for 48 billion baht.
– The default is 99,000
– The default is 70,000, the outstanding is 3,400 million baht
Need to enforce the case.
million. Chainarong said the past to follow the debt. Do not neglect to follow the borrower. The debt collection process has continued. The first year, the term of the borrower The letter will send a letter of debt to the borrower, and then a letter of debt to the borrower and the guarantor. Including staff reporting the telephone debt. And send SMS messages as well as press releases. Please confirm that you must make the payment within the specified time. If the borrower does not do it You can check your balance and your status on the website.
In addition If the borrower to repay the debt. The fine is payable at the rate of 12% or 18% per year of the outstanding principal, as the case may be. Until the end of the contract and legal proceedings. Once the case is closed, the mediator can be reached for mediation. And even if you do not go to court and the court has a judgment to repay all the debt. And also give time to pay the debt. Another judgment. If the borrower or guarantor fails to comply with the judgment within the specified time. As prescribed by law It is necessary to seek legal action, otherwise it is guilty to ignore the duty. The loan is a budget of personal income tax
Managers believe that there are cases like teachers Wipa
M. Chainarong said that the default is divided into 3 groups are graduates but still poor, the group has money but not paid. Lack of awareness in the settlement of the debt. And the lack of financial discipline. Take money to spend otherwise. No money to pay back.
As for the possibility of having a case as a teacher, we know that there are many. Because of the rules. No guarantee is given. To ensure that children miss educational opportunities Because rural children do not live with their parents. Some families have no support. The teacher is the last of the children. After the event today, the title will bring the borrower to check. As you know, the village chief is a guarantor.
"The day the children did not have the opportunity to give a chance to the teacher, please, hand over the Money to the teacher to lighten the burden of teachers And others I do not need to say it How are you? But we know 17 people, and I think I will not let the teacher suffer. " Manager Leave to the remaining 17 borrowers
L & # 39, Viro teacher is inevitable! Law Enforcement Counseling Center
Ms. Phenrim Maamang, Director of the Debt Collection Division of the Judicial Enforcement Department, said that the execution of the "Law Enforcement Agency" ("Judicial Enforcement Department"), " case depends on the creditors under the judgment. In order to investigate. And at the execution agent. The Execution Department has no obligation to investigate. The auction is not the last way to pay the debts.
The teacher will have to worry about the number of years. What will be the day of house arrest? If the teacher knows that the student has an address. The parents are the guarantors of the property. Or know where to work? Teachers help send information to the rankings so that staff can follow them. Repay the debt
However. Finally, when the borrower, who is a student, does not pay the debt, including no property to argue the case. The judgment must be returned to the guarantor, that is to say that the teacher requires the guarantor to be liable to the student in the prescribed amount.
"The teacher 's belongings are worth more money." Vip teacher to finish at the student
I'm not sure if that is the case. Students call to apologize for the problem and ask for the money that teachers pay off the debt. The student will pay 5,000 baht a month, but can not be trusted. Due to telephone conversations, there is no evidence. And now, there are students who bind themselves to two other debts at the end of this month, the four who were detained took the responsibility of the amount of nine thousand baht, and the seventeen others are worried. I do not know if there will be a court when
. Incident They were shocked to have been detained. I do not have a book in advance. And do not take the letter of the title, and do not know if each child has to pay the contract or not. You will see that people will know the information of the borrower. Now part of the way. Graduation of temporary execution. But if the future does not pay. The teacher was detained. This is a good way to exchange it. It's the first time I'm in debt. The problem is that many of us do not know how many years we have to bear the burden. Must wait for the children to pay? If you do not have to wait for a summons. And if there is a detention. The teacher will borrow money from other places. To buy the same thing.
News from the team online. [Nouvelles] Here
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