Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 36

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 28

Deprecated: Non-static method RSFirewallHelper::isInWhiteList() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 48

Deprecated: Non-static method RSFirewallHelper::getIP() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1487

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1492

Deprecated: Non-static method RSFirewallHelper::checkBlacklist() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 49

Deprecated: Non-static method RSFirewallHelper::getIP() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 262

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 263

Deprecated: Non-static method RSFirewallHelper::checkGeoIPBlocking() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 50

Deprecated: Non-static method RSFirewallHelper::getIP() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1516

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1517

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1518

Deprecated: Non-static method RSFirewallHelper::checkAgents() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 51

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 382

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 383

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkDoS() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 52

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 372

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 373

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkOption() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 54

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 278

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkActiveScannerInjections() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 55

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 581

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 585

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 587

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkSQLInjectionURI() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 590

Deprecated: Non-static method RSFirewallHelper::getSQLInjectionWords() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 530

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 597

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 599

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkPHPInjectionURI() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 602

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 610

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 612

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkLockdown() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 56

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 854

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkBackendPassword() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 58

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 306

Deprecated: Non-static method RSFirewallHelper::checkBackendUser() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 59

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 355

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 356

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::checkActiveScanner() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 60

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 622

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 624

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 626

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 639

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 641

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getCoreFiles() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 693

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 903

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1580

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1584

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1587

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getIP() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1594

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1597

Deprecated: iconv_set_encoding(): Use of iconv.internal_encoding is deprecated in /home/p263/www4/kompas/libraries/joomla/string/string.php on line 28

Deprecated: iconv_set_encoding(): Use of iconv.input_encoding is deprecated in /home/p263/www4/kompas/libraries/joomla/string/string.php on line 29

Deprecated: iconv_set_encoding(): Use of iconv.output_encoding is deprecated in /home/p263/www4/kompas/libraries/joomla/string/string.php on line 30

Deprecated: Non-static method RSFirewallHelper::getProtectedFiles() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 714

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 913

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1580

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1584

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1587

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getIP() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1594

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1597

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 736

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 320

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 109

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 456

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 110

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 515

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 526

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 686

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 688

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 113

Deprecated: Non-static method RSFirewallHelper::isInWhiteList() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 69

Deprecated: Non-static method RSFirewallHelper::getIP() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1487

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1492

Deprecated: Non-static method RSFirewallHelper::checkLoginAttempts() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 70

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1288

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 27

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 44

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 46

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/qlue404/qlue404.php on line 39

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/qlue404/qlue404.php on line 51

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 686

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 688

Deprecated: Non-static method RSFirewallHelper::removeGenerator() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 79

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 572

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 574

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 120

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 125

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/k2/k2.php on line 132

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 265

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 456

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 269

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 515

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/encrypt/encrypt.php on line 526

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 686

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 688

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 686

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 688

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 87

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 88

Deprecated: Non-static method RSFirewallHelper::showPasswordStrength() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 90

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1362

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 686

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 688

Deprecated: Non-static method RSFirewallHelper::showCaptcha() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 91

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 1429

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 686

Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/p263/www4/kompas/libraries/joomla/filter/input.php on line 688

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 93

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46

Deprecated: Non-static method RSFirewallHelper::getConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/plugins/system/rsfirewall/rsfirewall.php on line 94

Deprecated: Non-static method RSFirewallHelper::readConfig() should not be called statically, assuming $this from incompatible context in /home/p263/www4/kompas/administrator/components/com_rsfirewall/helpers/rsfirewall.php on line 46
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Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/content/jw_sigpro/jw_sigpro.php on line 51

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/content/jw_sigpro/jw_sigpro.php on line 52

Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/plugins/content/chronoforms/chronoforms.php on line 16
Улан-Удэ, ул. Бабушкина 14а, офис 332. тел.: 8 (3012) 31-89-22

Консалтинговая группа "Компас"

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Strict Standards: Only variables should be assigned by reference in /home/p263/www4/kompas/components/com_k2/k2.php on line 14

Strict Standards: Non-static method K2HelperPermissions::setPermissions() should not be called statically in /home/p263/www4/kompas/components/com_k2/k2.php on line 27

Strict Standards: Non-static method K2HelperUtilities::getParams() should not be called statically in /home/p263/www4/kompas/components/com_k2/helpers/permissions.php on line 18

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Как снизить сумму банковской пени?

Как снизить сумму банковской пени?

Вы перестали платить по кредиту? Банк применил к вам штрафные санкции? Не знаете, как разобраться с насчитанной пенёй? Что делать, и как договориться с банком о пересмотре суммы штрафов? О штрафах и об их пересмотре мы будем сегодня говорить в этой статье.

 

Не секрет, что во время заключение кредитного договора, многие заёмщики не всегда его внимательно читают. В особенности почти никто не обращает внимание на тот пункт, в котором указывается сумма начислений штрафных санкций за день и более просроченного кредитного платежа. Как же так получается, что просрочка платежа по кредиту вырастает до гигантских размеров?

Начисление процентов за просрочку

К примеру, заёмщик взял кредит в банке на сумму 1 млн. рублей (эта сумма ему нужна была для покупки квартиры) и срок 4-ре года. Он платил исправно какое-то время, затем его уволили с работы, и он перестал оплачивать банковский займ в срок. Не обращая внимания на рассказы неплательщика, банк начал начислять штрафы и пеню за неуплату по кредиту. В последствии он получил выписку из банка о том, что сумма его задолженности составляет 185 000 рублей, что составляет около 18% от общей суммы банковской ссуды. Такие случаи, к сожалению, не единичны. В данной ситуации следует объяснить заёмщику, каким образом банк начислял ему пеню. Обычно банки на каждый день просроченного платежа начисляют 0,5-2%. И очень часто данный процент начисляется не на сумму ежемесячного платежа, а на весь остаток кредитного долга. В данном случае остаток долга составляет 820 000 рублей. 0,5% от данной суммы соответственно составят – 4100 рублей. Если эту сумму умножить на 1,5 месяца (45 дней задержки по платежу), то и получится сумма, равная 185 000 рублей.

Как разорвать замкнутый круг

Получается, что заёмщик попадает в какой-то замкнутый круг. Он просрочил платёж, банк назначил пеню и при дальнейшем погашении кредита, сумма плательщика списывается на покрытие долга, а уплата по кредиту остаётся не погашенной.

·        Вот и получается, что заёмщик вроде бы и погасил сумму кредита, которую брал изначально, но остался банку ещё и должен по начисленным штрафам и пене. Что же делать в таком случае заёмщикам? Во-первых, пытаться договориться с банками по-хорошему. Возможно, даже получить «кредитные каникулы» на определённое время (отсрочка по кредиту предоставляется заёмщику при наличие документального подтверждения его трудного финансового положения) . Кроме того, банки часто злоупотребляют своими полномочиями и, например, это касается не только с слишком большой сумме, которую они начисляют во время применения к клиенту штрафных санкций, но и при оплате заёмщика. Как мы уже выяснили, оплата во время просрочки идёт сразу на погашение долга, так указанно в кредитном договоре. Однако согласно действующему законодательству (статья 319 ГК РФ), оплата заёмщика должна прежде всего покрывать основной долг по кредиту (тело кредита) и годовые проценты, а лишь потом суммы штрафов. К тому же можно потребовать у банка возврата суммы комиссии, ведь она была официально признана незаконной. Если же банк не идёт на переговоры и не желает решать всё мирным путём, действуйте по-другому. Напишите в банк письмо в электронном и рукописном варианте, в котором обязательно сошлитесь на статью 333 ГЛ РФ. В ней говорить о том, что сумму финансовых взысканий не может превышать сумму основного долга. Добавьте ещё главные причины вашей временной неплатежеспособности:

·        Потеря работы;

·        Болезнь;

·        Смерть главного кормильца в семье и т.д.

И просите снизить сумму долга по начисленным штрафам или вообще полностью его списать. С рукописным вариантом письма отправляйтесь в банк и передавайте лично руководству финансового учреждения.

 

В случае отказа, попросите представителя банка завизировать своё решение письменно, прямо на вашем заявлении. Если вам не удалось договориться с представителями банка, смело обращайтесь в суд. Очень часто в подобных случаях банки принимают сторону заёмщика, признают начисленную пеню недействительной или списывают часть её.

Стоит ли идти в суд

Однако прежде чем идти на крайние меры и искать адвокатов, обдумайте всё. Учтите, что судебное рассмотрение дела может затянуться на 2-3 месяца. В конце хотелось бы напомнить о том, что банковское учреждение обязательно нужно ставить в известность, когда у вас возникают непредвиденные обстоятельства и изменения в вашем материальном положении. И если даже вы обратились в суд, помните о том, что никакой судья не сможет снять с вас ответственность за погашения основной суммы кредита, он может лишь снизить количество набежавший процентов при неуплате.