According to a Telegram channel: if you miss a loan payment, what the bank must and must not do (citing Regulation No. 3030)

The Telegram channel @uzbankinfo listed rules for a borrower who has missed a loan payment and tied them to Central Bank Regulation No. 3030 (lex.uz/docs/-3804290). Below, the points of the post are retold in our own words and with our own example. Important: we have not seen the Regulation itself; the item numbers come from the channel's post.

What, according to the post, the bank must do

Money and interest: coins come back in a cycle

Requirement	Item of the Regulation cited
Notify the borrower within 7 calendar days of the missed payment	item 41
State the structure of the debt: principal, interest and penalty separately	item 37
Ask the borrower why the debt arose	item 42
Send a demand letter before going to court; it must give at least 10 days to pay	item 44

What, according to the post, the bank must not do

Prohibition	Item of the Regulation cited
Phone about the debt or deliver notices between 20:00 and 08:00	item 37
Collect the debt from state social benefits and assistance (including money on the social card)	item 33
Push the borrower to take a new loan to repay an old debt	item 33
Go to court before the period in the demand letter has expired	item 46

How are the periods counted? (our own example)

Suppose the payment was due on 28 February and was missed. Let us also see a period that runs past the end of the month.

According to the post, the bank must notify you within 7 calendar days: 7 days after 28 February, i.e. by 7 March.
If the demand letter is received on 12 March and gives at least 10 days, you can pay until 22 March.
According to the post, the bank cannot go to court before the period in the demand letter expires. The dates are only an example: the real calculation depends on the rules of the Regulation.

Practical steps the channel suggests

Approach the bank first and explain why the payment is late.
Ask it to show the parts of the debt (principal, interest, penalty) in writing.
Discuss extending the term or changing the schedule; according to the post, item 45 also allows an out-of-court agreement.

If the bank breaks a rule, the post says you can first complain to the bank in writing and, if the answer is unsatisfactory, turn to the Central Bank.

What is not known?

We have not seen the Regulation itself: the item numbers and periods come from the channel's post, so their accuracy must be checked against the text of the Regulation.
The post does not say whether the rules apply equally to all kinds of loans (consumer, mortgage, car loan, microloan).
The date of the post is not given; on our site it was published on 13 November 2026.

Note

This is general information, not legal advice; the item numbers are not confirmed. If there is a problem, check your loan agreement and the current text of the Regulation or consult a specialist.