Your lender was the "loan of Europe Bank", and at the terms favorable for you, and that the relationship has grown into long-term cooperation, you need to pay a loan in a timely manner without waiting for penalties.
To begin with, familiarize yourself more details with payment schedule. This information contains documents issued at the conclusion of a loan agreement by an employee of "Credit Europe Bank". Fix an accurate date of payment, if necessary, check in the calendar all days when you need to pay a loan. If you get numbers on weekends and holidays, give preference to the previous payment date. Think of what payment method is suitable for you. Having a credit card of this bank, make payments through Internet bank. You have no idea how to do this, then discuss this moment after making a loan from consultants and ask to help with information about payment through the Internet. I did not find out right away - contact the bank operator by phone hotline and find out how to use this service.The loan non-payment does not provide for criminal liability by law, but it must be remembered that the credit institution has the right to apply to the court with a complaint about especially malicious defaulters, and they can lose their property.