{"id":5183,"date":"2024-12-03T12:04:21","date_gmt":"2024-12-03T07:04:21","guid":{"rendered":"https:\/\/fpl.kz\/?page_id=5183"},"modified":"2025-06-30T12:03:59","modified_gmt":"2025-06-30T07:03:59","slug":"question-answer-en","status":"publish","type":"page","link":"https:\/\/fpl.kz\/?page_id=5183&lang=en","title":{"rendered":"question-answer-en"},"content":{"rendered":"\t\t
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Question-answer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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About problem loans<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Hello! If a person faces issues with payments and the current terms of the Bank Loan Agreement with existing second-tier banks\/microfinance organizations are not satisfactory, what are your instructions for a person to get clear of debts or to pay the debt on more affordable terms with the possibility of a deferment? How can one improve one's credit history? Kindly tell us about the possibilities of restructuring and refinancing, penalties discharge and the bankruptcy procedure. <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Answer:
<\/b><\/p>

Dear User!<\/p>

The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0<\/p>

Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan.<\/p>

The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector.<\/p>

At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor.<\/p>

Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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About debt collection<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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How can the travel ban from the Republic of Kazakhstan be lifted? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Answer:
<\/b>1. Repay the debt to the Fund that became the reason for the travel ban.
2. Contact the private bailiff to lift the travel ban.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How can the travel ban from the Republic of Kazakhstan be lifted? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Answer:
<\/b><\/p>

  1. Repay the debt to the Fund that became the reason for the travel ban.<\/li>
  2. Contact the private bailiff to lift the travel ban.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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    I found out that I am a Debtor to JSC \u201cProblem Loan Fund\u201d. Who can I contact to get information and further steps for repaying the debt? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Answer:
    <\/b>You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of JSC \u201cProblem Loan Fund\u201d \u2013 info@fpl.kz, or by visiting the office of JSC \u201cProblem Loan Fund\u201d in Almaty, located at 160 Dostyk Avenue. When submitting an application, we recommend providing your contact details and current address for feedback.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    I found out that I am a Debtor as an individual to JSC \u201cProblem Loan Fund\u201d. How can I file an application for judicial bankruptcy? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Answer:
    <\/b><\/p>

    Starting from March 3, 2023, the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens of the Republic of Kazakhstan\u201d came into force. Under this law, an individual who is a debtor has the right to file an application with the court to initiate a procedure for the restoration of solvency or a judicial bankruptcy procedure on the grounds provided for in Article 6 of the Law.<\/div>
    If the debtor is declared bankrupt, the obligations to creditors are terminated.<\/div>
    Ways to apply:<\/div>
    • apply to the court independently;<\/li>
    • through a lawyer or a legal consultant.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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      What happens to the obligations of an individual to the Fund after being declared bankrupt under the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens\u201d? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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      Answer:
      <\/b>According to the Law, after a citizen is declared bankrupt, their obligations to creditors (with the exception of, for example, alimony or criminal fines) are terminated.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

      Question-answer About problem loans Hello! If a person faces issues with payments and the current terms of the Bank Loan Agreement with existing second-tier banks\/microfinance organizations are not satisfactory, what are your instructions for a person to get clear of debts or to pay the debt on more affordable terms with the possibility of a deferment? How can one improve one's credit history? Kindly tell us about the possibilities of restructuring and refinancing, penalties discharge and the bankruptcy procedure. Answer: Dear User! The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0 Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan. The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector. At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor. Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund. Answer: Dear User! The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0 Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan. The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector. At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor. Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund. About debt collection How can the travel ban from the Republic of Kazakhstan be lifted? Answer:1. Repay the debt to the Fund that became the reason for the travel ban.2. Contact the private bailiff to lift the travel ban. How can the travel ban from the Republic of Kazakhstan be lifted? Answer: Repay the debt to the Fund that became the reason for the travel ban. Contact the private bailiff to lift the travel ban. I found out that I am a Debtor to JSC \u201cProblem Loan Fund\u201d. Who can I contact to get information and further steps for repaying the debt? Answer:You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of JSC \u201cProblem Loan Fund\u201d \u2013 info@fpl.kz, or by visiting the office of JSC \u201cProblem Loan Fund\u201d in Almaty, located at 160 Dostyk Avenue. When submitting an application, we recommend providing your contact details and current address for feedback. I found out that I am a Debtor as an individual to JSC \u201cProblem Loan Fund\u201d. How can I file an application for judicial bankruptcy? Answer: Starting from March 3, 2023, the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens of the Republic of Kazakhstan\u201d came into force. Under this law, an individual who is a debtor has the right to file an application with the court to initiate a procedure for the restoration of solvency or a judicial bankruptcy procedure on the grounds provided for in Article 6 of the Law.If the debtor is declared bankrupt, the obligations to creditors are terminated.Ways to apply: apply to the court independently; through a lawyer or a legal consultant. What happens to the obligations of an individual to the Fund after being declared bankrupt under the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens\u201d? Answer:According to the Law, after a citizen is declared bankrupt, their obligations to creditors (with the exception of, for example, alimony or criminal fines) are terminated. Answer:1. Repay the debt to the Fund that became the reason for the travel ban.2. Contact the private bailiff to lift the travel ban. Answer: Repay the debt to the Fund that became the reason for the travel ban. Contact the private bailiff to lift the travel ban. Answer:You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"content-type":"","footnotes":""},"class_list":["post-5183","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\nquestion-answer-en - \u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fpl.kz\/?page_id=5183&lang=en\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"question-answer-en - \u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"\" \/>\n<meta property=\"og:description\" content=\"Question-answer About problem loans Hello! If a person faces issues with payments and the current terms of the Bank Loan Agreement with existing second-tier banks\/microfinance organizations are not satisfactory, what are your instructions for a person to get clear of debts or to pay the debt on more affordable terms with the possibility of a deferment? How can one improve one's credit history? Kindly tell us about the possibilities of restructuring and refinancing, penalties discharge and the bankruptcy procedure. Answer: Dear User! The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0 Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan. The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector. At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor. Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund. Answer: Dear User! The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0 Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan. The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector. At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor. Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund. About debt collection How can the travel ban from the Republic of Kazakhstan be lifted? Answer:1. Repay the debt to the Fund that became the reason for the travel ban.2. Contact the private bailiff to lift the travel ban. How can the travel ban from the Republic of Kazakhstan be lifted? Answer: Repay the debt to the Fund that became the reason for the travel ban. Contact the private bailiff to lift the travel ban. I found out that I am a Debtor to JSC \u201cProblem Loan Fund\u201d. Who can I contact to get information and further steps for repaying the debt? Answer:You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of JSC \u201cProblem Loan Fund\u201d \u2013 info@fpl.kz, or by visiting the office of JSC \u201cProblem Loan Fund\u201d in Almaty, located at 160 Dostyk Avenue. When submitting an application, we recommend providing your contact details and current address for feedback. I found out that I am a Debtor as an individual to JSC \u201cProblem Loan Fund\u201d. How can I file an application for judicial bankruptcy? Answer: Starting from March 3, 2023, the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens of the Republic of Kazakhstan\u201d came into force. Under this law, an individual who is a debtor has the right to file an application with the court to initiate a procedure for the restoration of solvency or a judicial bankruptcy procedure on the grounds provided for in Article 6 of the Law.If the debtor is declared bankrupt, the obligations to creditors are terminated.Ways to apply: apply to the court independently; through a lawyer or a legal consultant. What happens to the obligations of an individual to the Fund after being declared bankrupt under the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens\u201d? Answer:According to the Law, after a citizen is declared bankrupt, their obligations to creditors (with the exception of, for example, alimony or criminal fines) are terminated. Answer:1. Repay the debt to the Fund that became the reason for the travel ban.2. Contact the private bailiff to lift the travel ban. Answer: Repay the debt to the Fund that became the reason for the travel ban. Contact the private bailiff to lift the travel ban. Answer:You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fpl.kz\/?page_id=5183&lang=en\" \/>\n<meta property=\"og:site_name\" content=\"\u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-30T07:03:59+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 \u043c\u0438\u043d\u0443\u0442\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fpl.kz\/?page_id=5183&lang=en\",\"url\":\"https:\/\/fpl.kz\/?page_id=5183&lang=en\",\"name\":\"question-answer-en - \u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"\",\"isPartOf\":{\"@id\":\"https:\/\/fpl.kz\/#website\"},\"datePublished\":\"2024-12-03T07:04:21+00:00\",\"dateModified\":\"2025-06-30T07:03:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/fpl.kz\/?page_id=5183&lang=en#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fpl.kz\/?page_id=5183&lang=en\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fpl.kz\/?page_id=5183&lang=en#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\/\/fpl.kz\/?page_id=8048&lang=kk\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"question-answer-en\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/fpl.kz\/#website\",\"url\":\"https:\/\/fpl.kz\/\",\"name\":\"\u0410\u041e \\\"\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\\\"\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/fpl.kz\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/fpl.kz\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/fpl.kz\/#organization\",\"name\":\"\u0410\u041e \\\"\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\\\"\",\"url\":\"https:\/\/fpl.kz\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ru-RU\",\"@id\":\"https:\/\/fpl.kz\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/fpl.kz\/wp-content\/uploads\/2024\/11\/group_37-2.png\",\"contentUrl\":\"https:\/\/fpl.kz\/wp-content\/uploads\/2024\/11\/group_37-2.png\",\"width\":374,\"height\":51,\"caption\":\"\u0410\u041e \\\"\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\\\"\"},\"image\":{\"@id\":\"https:\/\/fpl.kz\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"question-answer-en - \u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fpl.kz\/?page_id=5183&lang=en","og_locale":"ru_RU","og_type":"article","og_title":"question-answer-en - \u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"","og_description":"Question-answer About problem loans Hello! If a person faces issues with payments and the current terms of the Bank Loan Agreement with existing second-tier banks\/microfinance organizations are not satisfactory, what are your instructions for a person to get clear of debts or to pay the debt on more affordable terms with the possibility of a deferment? How can one improve one's credit history? Kindly tell us about the possibilities of restructuring and refinancing, penalties discharge and the bankruptcy procedure. Answer: Dear User! The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0 Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan. The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector. At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor. Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund. Answer: Dear User! The Fund of Problem Loans JSC (hereinafter referred to as the Fund) has considered your request, and reports the following within the scope of its competence.\u00a0 Subpoint 19) of paragraph 1 of Article 4 of The Administrative Procedural and Process-Related Code of the Republic of Kazakhstan sets that consideration of an appeal is the adoption by an administrative body or official, within the limits of their competence, of a decision in accordance with the legislation of the Republic of Kazakhstan. The Fund is an organization with the main function of improving the quality of loan portfolios of second-tier banks and carries out the acquisition of assets from second-tier banks exclusively within the framework of the rehabilitation of the banking sector. At the same time the Fund treats such situations with understanding, but within the limits of its authority, the Fund does not have the right to make decisions on issues of adjusting the credit histories of individuals, settling debts and other obligations on loans\/microloans\/online loans of individuals to other financial institutions, second-tier banks, collection agencies, private bailiffs, credit unions, pawnshops and other organizations engaged in microfinance activities, including issues of redemption, write-off, refinancing and other related procedures to ensure (assistance, assistance) in the fulfillment of obligations by an individual debtor. Thus, in accordance with the norms of the current legislation of the Republic of Kazakhstan, as well as the Charter of the Fund, the issues specified in your appeal are not within the competence of the Fund. About debt collection How can the travel ban from the Republic of Kazakhstan be lifted? Answer:1. Repay the debt to the Fund that became the reason for the travel ban.2. Contact the private bailiff to lift the travel ban. How can the travel ban from the Republic of Kazakhstan be lifted? Answer: Repay the debt to the Fund that became the reason for the travel ban. Contact the private bailiff to lift the travel ban. I found out that I am a Debtor to JSC \u201cProblem Loan Fund\u201d. Who can I contact to get information and further steps for repaying the debt? Answer:You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of JSC \u201cProblem Loan Fund\u201d \u2013 info@fpl.kz, or by visiting the office of JSC \u201cProblem Loan Fund\u201d in Almaty, located at 160 Dostyk Avenue. When submitting an application, we recommend providing your contact details and current address for feedback. I found out that I am a Debtor as an individual to JSC \u201cProblem Loan Fund\u201d. How can I file an application for judicial bankruptcy? Answer: Starting from March 3, 2023, the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens of the Republic of Kazakhstan\u201d came into force. Under this law, an individual who is a debtor has the right to file an application with the court to initiate a procedure for the restoration of solvency or a judicial bankruptcy procedure on the grounds provided for in Article 6 of the Law.If the debtor is declared bankrupt, the obligations to creditors are terminated.Ways to apply: apply to the court independently; through a lawyer or a legal consultant. What happens to the obligations of an individual to the Fund after being declared bankrupt under the Law of the Republic of Kazakhstan \u201cOn the Restoration of Solvency and Bankruptcy of Citizens\u201d? Answer:According to the Law, after a citizen is declared bankrupt, their obligations to creditors (with the exception of, for example, alimony or criminal fines) are terminated. Answer:1. Repay the debt to the Fund that became the reason for the travel ban.2. Contact the private bailiff to lift the travel ban. Answer: Repay the debt to the Fund that became the reason for the travel ban. Contact the private bailiff to lift the travel ban. Answer:You can contact through the unified platform for receiving and processing all citizen requests \u2013 e-otinish, by sending an application to the email address of","og_url":"https:\/\/fpl.kz\/?page_id=5183&lang=en","og_site_name":"\u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"","article_modified_time":"2025-06-30T07:03:59+00:00","twitter_card":"summary_large_image","twitter_misc":{"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f":"7 \u043c\u0438\u043d\u0443\u0442"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/fpl.kz\/?page_id=5183&lang=en","url":"https:\/\/fpl.kz\/?page_id=5183&lang=en","name":"question-answer-en - \u0410\u041e "\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"","isPartOf":{"@id":"https:\/\/fpl.kz\/#website"},"datePublished":"2024-12-03T07:04:21+00:00","dateModified":"2025-06-30T07:03:59+00:00","breadcrumb":{"@id":"https:\/\/fpl.kz\/?page_id=5183&lang=en#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fpl.kz\/?page_id=5183&lang=en"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/fpl.kz\/?page_id=5183&lang=en#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/fpl.kz\/?page_id=8048&lang=kk"},{"@type":"ListItem","position":2,"name":"question-answer-en"}]},{"@type":"WebSite","@id":"https:\/\/fpl.kz\/#website","url":"https:\/\/fpl.kz\/","name":"\u0410\u041e \"\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\"","description":"","publisher":{"@id":"https:\/\/fpl.kz\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fpl.kz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ru-RU"},{"@type":"Organization","@id":"https:\/\/fpl.kz\/#organization","name":"\u0410\u041e \"\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\"","url":"https:\/\/fpl.kz\/","logo":{"@type":"ImageObject","inLanguage":"ru-RU","@id":"https:\/\/fpl.kz\/#\/schema\/logo\/image\/","url":"https:\/\/fpl.kz\/wp-content\/uploads\/2024\/11\/group_37-2.png","contentUrl":"https:\/\/fpl.kz\/wp-content\/uploads\/2024\/11\/group_37-2.png","width":374,"height":51,"caption":"\u0410\u041e \"\u0424\u043e\u043d\u0434 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\""},"image":{"@id":"https:\/\/fpl.kz\/#\/schema\/logo\/image\/"}}]}},"publishpress_future_action":{"enabled":false,"date":"2026-05-26 11:49:31","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"language","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"eugene","author_link":"https:\/\/fpl.kz\/?author=1"},"rttpg_comment":0,"rttpg_category":" <a href=\"https:\/\/fpl.kz\/?lang=en\" rel=\"tag\">English<\/a>","rttpg_excerpt":"Question-answer About problem loans Hello! If a person faces issues with payments and the current terms of the Bank Loan Agreement with existing second-tier banks\/microfinance organizations are not satisfactory, what are your instructions for a person to get clear of debts or to pay the debt on more affordable terms with the possibility of a…","_links":{"self":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages\/5183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fpl.kz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5183"}],"version-history":[{"count":19,"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages\/5183\/revisions"}],"predecessor-version":[{"id":8215,"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages\/5183\/revisions\/8215"}],"wp:attachment":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}