Chrysanthos Manolis
In a multi-page information note, issued yesterday, the Financial Commissioner Pavlos Ioannou calls on all those who signed as guarantors of loans granted by the Housing Financing Organization to carefully read the loan agreement and if they find in it a specific clause. characterizes it as completely abusive and illegal, to resort to the organization and request their exemption from the contract, if the organization applied it against them.
In addition, the Commissioner calls on the State to ask the FSB to remove the abusive clause from its loan agreements and to ask the agency to release all guarantors against whom this clause has been applied.
What is the abusive clause identified by the Commissioner, not in one, but in several loan agreements by the ESF? This clause, according to the note of Mr. Ioannou, is incorporated in the loan agreement itself, just below the signatures of the borrowers and under the title “Guarantee” and includes the following: “We guarantee solidarity and / or separately and / or in divorce with the debtors the repayment of any amount owed in accordance with the terms of this document until full repayment. “Any delay or extension or suspension of payment of part or all of the debt does not release us from the liability of the guarantee even if the Organization has not previously informed us.”
That is, the OHS made the guarantors sign that they would be responsible for all the delays in the repayment of the loan by the first borrower, even if the OHS failed for years to inform them about these delays!
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