Modern technical equipment gives people several options at once, which make it possible to find out the debt of housing and communal services. The easiest way is to simply track incoming receipts that need to be matched with meter data. True, in a number of situations this cannot be done, since receipts may arrive with some delay. Plus, some of them may be lost by the homeowners themselves. We will find out how to find out the debt on housing and communal services.
What is a personal account?
A personal account is a real bank deposit where all utility payments initially come. After that, they are distributed in certain organizations, for example, in Vodokanal or energy companies and so on. Debt of housing and communal services in the personal account is quite simple to find out.
Information in it
It stores the following information about the apartment:
- Personal information of the owners, as well as all officially registered persons in a particular territory.
- The number of rooms in the room along with a description of the type of area (residential or non-residential).
- The heating and drainage system, as well as other technical parameters of the house.
Regardless of the number of owners for each room, whether it is an apartment or a private house, only one personal account is registered. Therefore, each owner can find out their debt on real estate for one specific requisite.
Debt recovery: step by step instructions
In order to find out the debt of housing and communal services according to the personal account, it is necessary to clarify its number. You can find it out in the following ways:
- Find him on the receipt, as a rule, he is prescribed in the upper right corner.
- Find out by phone. To do this, you need to call the Management company serving the house.
- In the event that the owner acts as a client of Sberbank, this can be done directly on the official website of the financial institution.
- In addition, you can find out account information through Sberbank ATMs. To do this, select the item "Search and Information", then go to "Personal Accounts" and find their details based on the address of the property. The address should be entered exactly as indicated in the passport.
- For the convenience of residents of most large cities, management companies open special sites where you can find out information such as personal account and rent amount. Also, through these services, you can pay the debt without leaving home.
Find out the debt on the details
The debt of housing and communal services with the help of details is determined in the following ways:
- It is required to make a personal visit to any banking institution that works with private individuals. To do this, you need to take a passport, and, in addition, a receipt or know the number of your personal account. You can go to the Russian Post or to any other institution that deals with the issues of accepting payment of bills. At the same time, the commission is not charged at Sberbank branches and at the Post Office, and in other organizations it is most often taken.
- Through ATMs or Sberbank terminals. The commission in this case is also absent, and this service can be used even without a plastic card.
- In the Management Company.
- On Internet portals, for example, on the All Payments website. On this portal you need to create a personal account, and then make payments using regular cards.
Find out the debt at the address of the apartment
In the event that data on the personal account are missing or there is simply no way to access the Internet, then you can find out the debt of the housing and communal services at the address. There is only one option for this - to go to the Management Company in person. It will be enough to take receipts and a passport with you. Despite the fact that you have to personally come to the office of the company, having spent time, there are many important advantages:
- Errors in obtaining information are completely excluded. The management company takes into account with guaranteed accuracy the information on all the people it serves, as this is primarily in its own interests.
- There is an opportunity to transfer all meter readings to electricity, water, gas and heating. For example, in online mode this is not always possible, including in large cities.
- Plus, you can get comprehensive information not only about the amount of debt, but also to find out where it came from. This circumstance is especially relevant if the data do not coincide with those sent in the receipts. In the event that a citizen succeeds in proving the case, the company will certainly carry out a recalculation.
It is better to find out the address, as well as the hours of reception of the company in advance by phone, since often not all working days in such organizations are reception. Very often they can work with lunch breaks.
How else can I check the debt on housing and communal services?
ATM use
You can pay off your debts for the apartment using payment terminals or Sberbank ATMs. All that is required is to know the personal account. So, you can find out and pay off your debt on a rent using a plastic card. In this situation, the sequence of actions will be as follows:
- As usual, you need to insert a plastic card and enter your pin code.
- Next, select the item called "Payments and transfers."
- Then you should go to the section called “Utility Payments”.
- After that, the system will offer two options: scan the bar code or enter the required details manually. When scanning, a QR code is used, which is printed on the payment receipt.
- In the event that it was possible to read the information on the barcode, you must follow the further instructions.
- But if the code is not readable due to any damage, then you can simply specify your personal account from the keyboard yourself.
- After choosing the method of entering information, indicate the recipient of their proposed list. Next, follow the instructions on the scoreboard.
- After that, it remains to pick up the card.
What to do with change?
It is important to keep in mind that when paying in cash without using a credit card, the terminal will not give change. In this situation, you can do the following:
- Transfer the full amount to the address of the recipient, and pay less next month.
- Transfer the remaining difference to your mobile phone account.
The check must be printed and saved, until the payment is credited. In the event that for some reason the check was not saved, then you can always get the necessary receipt at the bank branch, which will certify the fact that the payment of the debt was successfully completed.
Debt collection for housing and communal services is a rather unpleasant process. Therefore, it is better to make payments in a timely manner.
Payment without credit card
Payment of the bill can be made without a card, for example, this is done in the terminals of the QIWI system. To do this, do the following:
- Select the item called “Payment for services”, which is located on the start page.
- Select a section called “Housing and Public Utilities”.
- After that, you can go to a specific institution and enter the number of the personal account you need.
In this case, you also need to remember that the terminal does not give change, so the entire amount will be transferred in favor of the recipient. In addition, a commission of up to two percent of the amount is deducted from the funds deposited.
We found out how to find out the debt for housing and communal services in the personal account or in other ways.