Transfer of financial claims/Cession goes from a previous creditor to a new creditor, whereas the claim and the debtor reamin the same. Possible legal grounds for the cession are contract, law act and court decision.
Enforcement proceeding is a proceeding in which a creditor achieves their claim through court or a public notary. Enforcement request can be sent based on valid authentic documents enforcement documents.
Creditor is a obligatory relations party authorized by the other party (debtor) to demand certain rights, doing or not doing something or to waive something from the other party (debtor). It is a two way realtion in which both parties have rights and obligations
Interest is a charge in money for borrowed amount which is paid by the borrower to the lender. Interest rate is reflected in percentage and it is considered the price of money or capital which the borrower or the debtor is paying for using borrowd money or capital.
Default interest is a sanction for a debtor who is late with fulfilling their monetary obligations, the interest rate is prescribed by related law acts. Creditor is entitled to the default interest regardless if there had been any damage to them due to debtors delay.
How is it possible that my debt has been transferred to B2 Kapital?
As per the Commercial Code of the Czech Republic, B2 Kapital has purchased your due and unpaid debt from most likely your original loan provider. As the new creditor, B2 Kapital has taken over further process of collecting the debt in question.
Resolution on cancellation of debt for the most socially handicapped citizens?
B2 Kapital has made cancellation of debt possible and has already performed it according to the respective law acts for the clients that have submitted the application in due time and form and have fulfilled conditions regulated by aforementioned law acts.
What are the new expenses and fees now that you have taken over my debt?
The debt you’ve had with your previous creditor has been transferred to B2 Kapital, and in relation to the transfer itself there have been no additional fees or costs for you, except the applicable default interest