Mizrahi Tefahot Leasing: 100 shekels a day on a pledged car, and interest counted from the decision date

In short: In a car pledge enforcement file run by Mizrahi Tefahot Leasing at the Haifa Execution Office, Registrar Shirley Gideon ordered on 13 January 2026 a charge of NIS 100 a day until the car was handed to the receiver. In two applications the company added NIS 13,969 and NIS 9,643.23 to the debt, NIS 23,612.23 in total, and both were approved. In the calculation sheets attached by the law firm Chen Fisher Gabbay, interest was counted from 13 January 2026, including on days for which the charge arose months later. The first sheet shows a NIS 167.40 gap between its components and its result, and it has not been explained.

The decision: NIS 100 a day

At the hearing of 13 January 2026 the registrar gave the car owner a "final warning" to hand the car to the receiver by 18 January 2026, and ruled in section 13 of the decision:

"The debtor shall bear a renewing charge in costs in favour of the creditor of NIS 100 per day, from 19.01.2026 until the date the car is handed to the receiver and/or the debt is paid to the creditor and/or settled." (translated from Hebrew)

The car owner applied to the Haifa Magistrates' Court for leave to appeal. The application was rejected on 9 February 2026. The decision itself does not mention interest or linkage.

The first application: 135 days, NIS 13,969

On 10 June 2026 attorney Victor Fisher, for Mizrahi Tefahot Leasing, applied to increase the principal of the debt by NIS 13,969. The supporting affidavit of attorney Amira Anis stated that from 19 January to 2 June 2026 "135 days X NIS 100 for each day plus legal interest" had accrued.

Attached was a Chen Fisher Gabbay sheet, "List of calculations in the sheet", printed on 3 June 2026:

13,500 plus 301.66 is NIS 13,801.66. The result in the sheet is NIS 167.40 higher. The sheet does not explain the difference.

On 21 June 2026 the car owner was given seven days to respond. He argued that he never refused to hand over the car, that the creditor had presented contradictory debt figures and never gave a payoff amount, and that 42 of the 135 days fell during the "Sha'agat Ha'Ari" military operation. He did not raise the interest point at that stage.

On 7 July 2026 the registrar rejected the response and ordered the debt increased by NIS 13,969. The decision says: "It is not the role of the creditor or the receiver to initiate coordination of the handover with the debtor. The duty to comply with the decision and make the car available for handover lies with the debtor." (translated)

The second application: the car was deposited, and the next day an application was filed

The car was deposited at the storage lot on 6 September 2026. The next day, 7 September, a further application was filed to increase the debt by NIS 9,643.23 for the period 3 June to 6 September 2026. According to the affidavit, "95 days X NIS 100" had passed.

This application also came with a sheet, "Calculation of interest and/or linkage", dated 7 September 2026:

That is NIS 143.23 in interest. The charge for this period only began to arise on 3 June 2026, yet according to the sheet the interest on it was counted from 13 January 2026, almost five months earlier. The same applies to the first sheet: the charge began on 19 January, and interest was counted from 13 January.

One more detail: the first application counted both the first and the last day (135 days). The second counted 95 days, although 3 June to 6 September, counted the same way, is 96 days. That difference favours the car owner, but it shows there is no single counting method.

What the car owner argued and what was decided

In his response to the second application the car owner asked for clarification of the basis for adding interest to a charge on which the decision awarded no interest, from what date, at what rate, and what explains the NIS 167.40 gap. He also argued that no verified ledger had been given to him until 3 September 2026, and that he had been given contradictory storage locations for the car.

On 24 October 2026 the registrar granted the application and ordered the debt increased by NIS 9,643.23. The decision says the response "repeats arguments he has already made, which were heard and decided", and on interest: "The interest charge derives from the law, and in this matter the debtor is referred to section 5 of the Adjudication of Interest and Linkage Law, 5721-1961" (translated). The registrar awarded no costs, and warned that repeated applications on decided issues could lead to costs.

The decision does not address the date from which interest was counted, nor the NIS 167.40 gap.

The full account

The total is 13,969 plus 9,643.23 (the first application was rounded by 6 agorot). Amounts recorded in the file as a "debt increase" then accrue the Execution system's own interest and linkage. In the debt breakdown on the Enforcement and Collection Authority website, as of 26 September 2026, the file showed a "debt increase" of NIS 13,969 and, separately, "interest and linkage" of NIS 1,664.26.

What this article does not claim

This article does not claim that the daily charge was unjustified. The registrar found that the car was not handed over on time, and leave to appeal was refused. Whether interest may be added to this charge was also decided, on 24 October 2026. What the article presents are the documents that were filed: sheets in which interest runs from a date before the charge existed, and an arithmetic gap nobody has explained.

Questions for Mizrahi Tefahot Leasing and Chen Fisher Gabbay

1. What explains the NIS 167.40 gap between 13,500 plus 301.66 and 13,969.06?
2. Why was interest counted from 13 January 2026, on a charge that began on 19 January and on a charge that began on 3 June?
3. Why was the second application filed the day after the car was deposited, and why was nothing done earlier to coordinate the handover?

Questions and answers

What is a daily charge in a car pledge file?

In the file described here, the Execution Office registrar ordered the car owner to pay NIS 100 for every day the car was not handed to the receiver, until handover or until the debt was paid or settled. The creditor periodically applies to add the accrued amount to the debt.

Is interest added to such a charge?

In this file, yes. The registrar ruled that "the interest charge derives from the law" and referred to section 5 of the Adjudication of Interest and Linkage Law. The open question is from when it is counted.

How do you check an application to increase a debt?

Ask for the calculation sheet, check that the period and number of days match the decision, that the interest start date is not earlier than the day the charge arose, and that the components add up to the result. File your comments within the response period set by the registrar. See the guide to checking a debt increase application.

Based on the registrar's decisions of 13.1.2026, 7.7.2026 and 24.10.2026, the creditor's applications of 10.6.2026 and 7.9.2026 and their attached sheets, and the debt breakdown on the Enforcement and Collection Authority website. The car owner's identifying details have been redacted. Quotations are translated from Hebrew.

Read also

• Mizrahi Tefahot debt collection: how did a request to close a debt become a bench warrant?
• Car receivers in Israel: how it works and your rights
• Early repayment at Mizrahi Tefahot: what happens when a borrower asks to pay off the loan and nobody answers?
• Mizrahi Tefahot Leasing: the attorney fee that was cancelled, erased and returned