Banks do not report debt.
A citizen has a debt, for exampleccvshoporg, as a result of a delay in payment for a day. The Bank fines him and charges interest on the amount of the fine. A person later makes payments on the loan without delay, and after 2 years finds out that he has a big debt.
And although the law» on consumer lending » does not oblige lenders to run after customers, omitting the fact of debt leads to financial problemstopcvvdumpsites for borrowers later.