Dear Sir or Madam.
I have been forced to repay a scholarship for not completing my studies. As my current financial situation does not allow me to repay in one lump sum, I have had to apply for an instalment plan. I have enclosed a declaration that I authorise the authority to consult the personal data contained in my official records which they need to process my application for the instalment payment option. Very quickly, the calamity of complicated procedures began when I received their response after the amendment. I had to attach to the application the following documents, in accordance with the Instructions on the method of securing and paying interest on the deferred payment of debts owed by the debtor to the State or the municipality:
- a certificate from FURS and CURS that I have no outstanding debts to them (Article 4(3))
- the instrument securing payment of the debt (land register extract, Article 4(1)(4), indent 4)
- proof of adequate security for the debt, accompanied by documents proving the existence of the guarantor's (natural person) assets and evidence of their value (Article 6 of the Instructions)
and
- an annuity schedule for the repayment of the debt in instalments, taking into account the interest rate, the starting point and the repayment period and the amount of the individual instalments (Article 8 of the Guide).
In the case of a simple application for debt repayment by instalments, the above-mentioned annexes have made the whole process very complicated. I believe that in the modern digital age, much could be simplified in order to relieve the burden on citizens and to enable the authorities to obtain information from the official records.
Regards.