OGNIVO - what is this system? What does it give the creditor?
OGNIVO is a system enabling the exchange of information between entities designated by law - these are ZUS, Poczta Polska, tax offices, customs chambers, administrative enforcement authorities, bailiffs, courts and prosecutor's offices. First of all, the most important in this case are the banks that, using the OGNIVO system, provide the court bailiff with the necessary information on the bank accounts of the indicated debtors for the purpose of conducting enforcement proceedings. Data is exchanged electronically, which simplifies the entire process and significantly affects the speed of the procedure.
The OGNIVO system works in the form of an electronic application. The whole mechanism is based on the fact that the bailiff sends inquiries about specific debtors, which are automatically received by the system and verified. The formal requirement for sending such an inquiry by the bailiff is and affixing it with a secure electronic signature.
Detailed course of action in the OGNIVO system
The OGNIVO application includes a number of modules, each of which is responsible for the individual needs of banks and institutions cooperating with them. Among such modules, the following are distinguished:
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Compulsory modules:
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Complaints and inquiries module - enables electronic exchange of information between banks and ZUS or Poczta Polska,
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Clearing system balances monitoring module - allows you to check the bank's balances as part of KIR's clearing systems,
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Direct debit consent electronization module - supports processes related to the acceptance or rejection of consent (cancellation) to debit the account for direct debit,
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BIF emergency copying module - enables the export and import of BIF files to / from the FTP gateway in the event of unavailability of the primary data transmission link. Since 2009, this module has been obligatory for banks as direct participants of settlements.
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Optional modules:
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Module for handling accounts and payment services - allows you to safely transfer customer accounts between the current and the new bank. The module works in accordance with the recommendation of the Polish Bank Association.
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The module of inquiries about the bank accounts of debtors - allows court and fiscal bailiffs to communicate electronically with banks,
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Advance information module on incoming balances - allows you to obtain detailed data on selected transactions that have been transferred to the clearing system for a given session,
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Module for servicing courts and prosecutor's offices - allows judicial authorities to obtain data protected by banking secrecy, which may constitute evidence or enable the implementation of property security,
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Heir module - facilitates communication between banks, enabling efficient determination of the bank in which the testator had bank accounts (the module operates in accordance with the recommendation of the Polish Bank Association),
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The settlement module of the Commodity Clearing House (IRGiT) - enables the transfer of data for the cash settlement of transactions concluded on the Polish Power Exchange markets, between WCCH and the banks keeping the clearing accounts of the members of this House.
Queries in the OGNIVO system
Making inquiries by the court bailiff in the OGNIVO system involves additional fees for the creditor's parties. If the creditor applies for an action, e.g. searching for the debtor's assets, and wants the bailiff to check his bank accounts in the OGNIVO system in this respect, he must submit an application for such an action and make an advance payment. In such an application, the creditor should list specific banks to which he wants the bailiff to submit an appropriate inquiry, or he can specify the types of banks to which the bailiff is to submit the inquiry (e.g. all banks in OGNIVO, all commercial, all cooperative).
Undoubtedly, among the advantages of this system, its economic dimension for the creditor should be emphasized. Well, the OGNIVO system, although it is not free of charge, allows you to reduce the costs of traditional correspondence with institutions, which allows you to reduce the costs of obtaining information. Another advantage is the speed of obtaining the necessary information for the proper conduct of enforcement proceedings. It is also worth noting that OGNIVO allows for constant monitoring of sent inquiries.
