If a consumer does not have enough money in their account to service a due direct debit, they are trading against themselves in several ways. He can forget about the desire for a loan despite a direct debit for a long time. You can find out more about the background in this article.
The loan despite the return debit has long been a matter of course.
A debit appointment can be quickly overlooked in everyday life. If there is not enough money in the account or the disposition has already been exhausted, the small forgetfulness can quickly become a real challenge. What many do not know is that a return direct debit automatically turns into a Credit Bureau entry, which can then have fatal consequences for a loan. The bank’s own bank knows about the process anyway and ranks the account holder in the class with above-average risk even without Credit Bureau information. Other institutes learn of the return debit through the mandatory Credit Bureau query.
At the house bank, a loan could only be successful despite a direct debit if the customer succeeded in credibly presenting a temporary bottleneck. For example, if the loan is used to clear the overdraft facility in the checking account and there are no other objections, the bank could play along.
All other institutes will refer to the Credit Bureau note and will refuse the loan despite the direct debit. This means that at least the low-priced opportunities for branch banks in Germany for the next three years are denied.
The loan despite a direct debit via credit intermediaries and private donors.
Credit brokers often advertise with loans without Credit Bureau information, this category also includes the credit request despite return debit. Most of the loans come from foreign banks, for which a request from the Protection Association for General Credit Security (Credit Bureau) is not a prerequisite.
These institutes ensure the good creditworthiness of their customers by presenting an unlimited employment contract and a correspondingly good certificate of earnings. Anyone who earns over $ 1130 net monthly as a single person qualifies for a loan despite a direct debit of $ 3,500. However, the loan is accompanied by double-digit interest.
The alternative is the private loan market on web portals such as Astro Finance. Although the Credit Bureau score is also asked here, not every Credit Bureau entry automatically leads to rejection.