For inquiries regarding overdue debts and loan restructuring, you may contact the Bank's branches' post-credit service managers within 30 (thirty) calendar days from the date the loan becomes overdue with a written application requesting changes to the contract terms, explicitly stating the reason for the decrease in income and attaching supporting documents. 

The Bank will review your application within 15 (fifteen) calendar days from the date of its receipt and will inform you:

• of its agreement with your proposed changes, or
• of its own proposals for changing the contract terms, or
• of its refusal to amend the contract terms with a reasoned explanation for the refusal