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Здравствуйте! Уважаемые эксперты, прошу выразить ваше мнение в контексте следующего вопроса:
Обнаружил сегодня в своем почтовом ящике "спецификацию задолженности"; или "платежное требование", в котором меня извещают о следующем: "информируем, что взыскание вашей задолженности за жидищно-коммунальные услуги поручено ООО "Линдорфф". Необходимо погасить сумму долга, а также начисленные проценты, штрафы и расходы, возникшие в связи с несвоевременной оплатой жилищно-коммунальных услуг, до указанной даты (19.09.2012)."
К извещению приложена распечатанная квитанция об оплате на сумму 26 т. рублей, подписана бумага ген. директором "ООО Линдорфф" Чеботаревым А.В. и гендиром моего "Жилкомсервиса №1" Поповым В.М. (факсимильные подписи). Будьте добры, подскажите мне правильный порядок действий? Сумма моего долга за жилье, по моим подсчетам - что-то около половины названной суммы, не больше. Никакого обоснования в послании не содержится, только лишь приглашение позвонить по бесплатному телефону 88005554535 с целью уточнить любые вопросы. Как мне поступить? Хотелось бы подробногодокументального обоснования данной претензии.
Могу я заплатить свой долг напрямую ООО Жилкомсервис, игнорируя коллекторную контору?
Спасибо за ваш ответ.
Обсуждение
Неизвестный
14.09.2012, 14:39
общий
это ответ
Здравствуйте, Rishard! Читаем ГК РФ... Статья 385. Доказательства прав нового кредитора. 1. Должник вправе не исполнять обязательство новому кредитору до представления ему доказательств перехода требования к этому лицу. 2. Кредитор, уступивший требование другому лицу, обязан передать ему документы, удостоверяющие право требования, и сообщить сведения, имеющие значение для осуществления требования. Статья 382. Основания и порядок перехода прав кредитора к другому лицу 3. Если должник не был письменно уведомлен о состоявшемся переходе прав кредитора к другому лицу, новый кредитор несет риск вызванных этим для него неблагоприятных последствий. В этом случае исполнение обязательства первоначальному кредитору признается исполнением надлежащему кредитору. Собственно, почти всё в этих нормах и сказано... Запрашивайте письменно копии договоров на поставку услуг между Вами и ДО (домоуправляющей организацией), между ДО и коллектором, квитанцию от ДО на сумму долга... Смотрите условия - и делайте выводы...
А пока суть да дело
Могу я заплатить свой долг напрямую ООО Жилкомсервис, игнорируя коллекторную контору?
Если не было письменного уведомления Вас о переходе долга (с подтверждением доставки) - платите в ДО.
Неизвестный
17.09.2012, 15:06
общий
Ответ эксперта неверный. Новый кредитор - то лицо, которое погасило долг за должника и на этом основании приобретает права предыдущего кредитора. Коллекторное агентство не является новым кредитором, т.к. не уплачивает долг за должника, а является только посредником по взысканию долга. Фактически при этом происходит перевод долга на нового должника по соглашению с кредитором. Такое соглашение наверняка существует. Если можете заплатить напрямую (есть квитанции), то платите напрямую. Если есть договор с УК и там прописаны штрафные санкции за задержку платежей, то их тоже придется заплатить. Таким образом Вы можете не переводить свой долг на нового должника.
Неизвестный
17.09.2012, 15:10
общий
Два юриста - три мнения. И все неверные. Но вывод солидарен - платите напрямую в УО по их квитанциям.
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