Community Law Center of Kherson regional Charity and Health Foundation provides free legal aid to internally displaced persons from ATO zone. They are interested in different issues: how to get social aid, how to enroll a child to school, where to find housing. Recently Ms. Iryna Molotova who moved to Kherson from Luhansk in summer came to the Center.
Three years ago she took out a loan in bank to purchase an apartment. She paid her interest monthly. But now she left her home, is unemployed and cannot pay the bank. So she asked the lawyers how can she arrange everything with the bank in order not to pay fines.
Natalya Kozarenko, the head of Kherson Community Law Center provided consultations.
Recently the National Bank of Ukraine explained how to use the Law on cancellation of penalties and fines during ATO.
Banks should not demand certificates about force majeure circumstances from IDPs. That is stated in National Bank’s letter of November 5, 2014 #18-112 / 64483.
Article 2 of the Law “On provisional measures during the ATO period” prohibits calculation of fines and penalties on loans during ATO period for those people who are registered and live or have moved from ATO zone, as well as for legal entities that act on that territory. Banks should cancel fines and penalties for them.
The period of ATO is time from 14 April 2014 until the Presidential act on ending ATO is issued.
Banks cannot demand any additional documents from the clients.
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