Today, the state enterprise "National Information Systems" is working on updating the software of the Automated Enforcement System (ADS) in the direction of automation of the process of obtaining information on the debtor's bank accounts, as provided by the Automated Seizure of Debtors' Accounts.
Once the software is fully operational, banks will notify electronically not only that the debtor has bank accounts, but also their numbers and the amount of balances on them.
That is, if there are enough funds to repay the debt on one account, it will be possible to seize only this one account of the debtor in one bank, and not all his accounts in different banking institutions, as is currently the case. Accordingly, the funds in non-seized accounts will be freely available to their owner.
After receiving information on the balance of funds on the debtor's account (which due to the adopted changes the executors will soon receive electronically) and seizure by the executor of the debtor's funds in electronic form (which is already happening with the help of ASVP), the executor will take measures account.
Compulsory debiting of funds from accounts opened by debtors in banks is carried out on the basis of a payment request of the executor, which is now made in paper form and sent for execution to banks by mail.
Before sending the payment request to the debtor's bank to write off the funds, it is transferred for verification and marking to the bank where the internal affairs bodies / private executors are served.
Subsequently, the funds written off from the debtor's accounts, which are credited to the deposit accounts of internal affairs bodies / private executors, are distributed in accordance with the requirements of the Law of Ukraine "On Enforcement Proceedings" and used to repay debts to the debt collector.
Source:pravo.ua