MAKING A NOTARY'S WRIT OF EXECUTION ON LENDING: CURRENT PROBLEMS
The paper provides a comprehensive analysis of the notary's writ of execution as a way of protecting civil rights by a notary and as an executive document. It is determined that the procedure for making a notary's writ of execution on online lending, microcredit, and consumer lending agreements is not perfect. The notary, the executor, and other participants in the relevant notarial and enforcement proceedings perform in the specified proceedings different acts in their external form and direction creating consequences only for the lender and the borrower. Emphasis is placed on the fact that the notary, before making a writ of execution, must establish the affiliation, admissibility, and authenticity of all evidence on the basis of which s/he establishes the indisputability of the debt presence and the existence of all grounds for the writ of execution. It has been suggested that it is necessary to provide for the notary's liability for making a writ of execution, which will later be recognized by the court as unenforceable. Upon receipt of the notary's writ of execution by the enforcement authorities or a private executor, the executor is only obliged to check the presence of all mandatory details specified in part one of Article 4 of the Law of Ukraine "On Enforcement Proceedings". Concerning the fact that under the national legal structure, the factual data contained within the notary's writ of execution are used by the executors as the basis for enforcement proceedings, it is considered a legal necessity to guarantee the borrower the right to receive notification from the notary of the creditor in relation to the request on making a writ of execution on the debt document. Thus, even at the stage of making a writ of execution, the notary must check and establish the indisputability and recognition of the borrower's presence or absence of debt. The author substantiates that such a mechanism should provide effective tools for self-control of the notary and neutralization of illegal sources of factual data, which form the basis of executive inscriptions made by notaries and then recognized in court as unenforceable.