If you don't pay the monthly installment on time, you can expect us to contact you. Our goal is for you to find out the reason for the delay and together we will try to find a solution to the problem. In addition, we will inform you in writing about the debt and the consequences of non-payment.

Please keep in mind that you can easily pay outstanding obligations through a standing order or by using the CKB GO application. These options are designed to simplify the payment process, allowing you to complete all obligations from the comfort of your home. That way, you won't have to deal with crowds or waiting at the bank, which can be especially useful on busy days.

If you still do not have access to the CKB GO application, we recommend that you visit our nearest branch, where you can easily apply to use the application or activate a permanent account. Our employees will be happy to help you and provide all the necessary information so that you can enjoy the benefits of these services as soon as possible.

These options not only save time, but also provide additional security and control over finances. You are always able to track your transactions and obligations, which contributes to better budget management.

Therefore, if you have problems with loan repayment, please contact us so that we can find the best solution for the current situation and arrange repayment of obligations, in the form of rescheduling or by signing a debt repayment agreement.

If, even after a period of 90 days, the obligations under the Credit Agreement are not settled, we would like to inform you that we have the option of starting the procedure for forced debt collection. This option implies taking all the necessary legal actions in order to collect the claim.

Initiating a forced collection procedure may include various legal measures such as:

Debt enforcement: This means that your property or bank account funds will be seized in order to settle debts.

Additional costs: In the enforcement process, additional costs may occur, including fees and rewards for the work of the acting Public Executor. These costs are added to the debt amount which can significantly increase the total amount.

Legal consequences: In addition to financial costs, foreclosure proceedings can have long-term consequences for creditworthiness.

If, even after a period of 90 days, the obligations under the Credit Agreement are not settled, we would like to inform you that we have the option of starting the procedure for forced debt collection. This option implies taking all the necessary legal actions in order to collect the claim.

Initiating a forced collection procedure may include various legal measures such as:

Debt enforcement: This means that your property or bank account funds will be seized in order to settle debts.

Additional costs: In the enforcement process, additional costs may occur, including fees and rewards for the work of the acting Public Executor. These costs are added to the debt amount which can significantly increase the total amount.

Legal consequences: In addition to financial costs, foreclosure proceedings can have long-term consequences for creditworthiness.

Our team is available for any type of loan repayment problem solving.

We are here to answer all questions, the most common of which are:

Can I get additional funds when reprogramming?

- For loans that are in arrears, the Bank can approve funds in the amount of the total debt for the loan that will be reprogrammed. This can be useful for covering current obligations and easing the financial situation.

Can I lower my monthly payments?

- Reduction of monthly obligations is possible by extending the repayment period. This allows you to adjust the repayment according to your current financial possibilities, thus reducing the pressure on your budget.

Will the interest rate increase?

- The interest rate will not increase! This means that you can plan expenses without additional surprises.

Will my accounts remain blocked by CKB Bank?

- After you submit the new means of security, the bank will suspend all legal actions that have been initiated due to late loan collection. This allows you to focus on solving your obligations without additional stress. You'll be able to focus on paying off your debt without worrying about account freezes.

Will I pay any kind of fee for the loan rescheduling?

- You do not pay a fee for processing a new loan, which means that you can take advantage of this opportunity without additional costs, which is an additional advantage in the process of solving financial obligations.

When will I be "managed" as a regular client again?

- A loan that was in the group of low-quality loans, and which was reprogrammed, can be classified into the category of high-quality loans after the expiration of a period of at least 12 months. This can have a positive effect on your credit history, which will make it easier for you to borrow in the future and improve your creditworthiness.

If my account is blocked by several creditors and I have no regular income, can I enter into a repayment agreement that is not a reprogramme?

- Of course. You have the option of concluding a debt settlement agreement with the bank for a certain period of time, adjusted to your current income. This can be a great way to stabilize yourself and gradually pay off your debts.