What will happen to the loans from the connected bank. What should Bank Svyaznoy borrowers do?

The Central Bank decided to revoke the license of Svyaznoy Bank due to non-compliance with federal laws and loss of assets. The decision came into force on November 24, 2015. According to statistics, this institution occupied 150th place in the banking system.

What should depositors do after the license of Svyaznoy Bank is revoked?

As for depositors, loan repayment conditions remain unchanged. Debt holders have no right to increase interest or make other adjustments to contracts. The only thing clients can be asked to do is to repay the loan amount ahead of schedule, but even here the final word remains with the investor.

All branches and offices of Svyaznoy Bank in the cities: Samara, Voronezh, Rostov-on-Don, Ufa, Volgograd, St. Petersburg, Moscow, Barnaul, Krasnoyarsk, Saratov, Krasnodar, Smolensk, Yekaterinburg, Ulyanovsk, Novocherkassk, Kamensk, Chelyabinsk, Kazan , Orel, Astrakhan, Saransk, Saransk, Bryansk, Yoshkar-Ola, Kaluga, Perm, Kirov, as well as in Lipetsk, Omsk, Novosibirsk, Gukovo, Stary Oskol, Balakovo, and other cities were closed.

Svyaznoy Bank latest news from the official website

After the license was revoked, the official website of this bank is under the control of a temporary administration. In this connection, only the necessary information for depositors, borrowers and lenders is available on it.

Today, the media provides last news directly related to Svyaznoy Bank:

1. On March 29, 2016, a decision was made according to which support, processing, and comprehensive servicing of loans will be provided by Tinkoff Bank. According to the source, the bank will begin to accept cash on the loan, and use them to pay off the debts of Svyaznoy Bank clients. In addition, Tinkoff will consult clients regarding the amount of payments, help them find out the size of the balance and debts, provide details, and also inform them in what places and in what ways they can top up their account.

2. According to the latest news, the claim filed by Svyaznoy Bank regarding the protection of its business reputation was rejected by the Moscow Arbitration Court. The claim was brought against Sadalsky and Rambler. Sadalsky, in his LiveJournal account, spoke negatively about the owners and top managers, citing the fact that the latter deceived director Vladimir Ustyugov. Official representatives of Rambler stated that Sadalsky’s comments have nothing to do with them.

How to pay off a Svyaznoy Bank loan after the license is revoked?

On January 22, 2016, the arbitration court declared Svyaznoy Bank bankrupt. In bankruptcy proceedings, the functions of the manager were transferred to the State Corporation "Deposit Insurance Agency". Of course, after the license was revoked, most clients had a question: “how to pay the loan, and how now to pay under the agreement?” From February 1, you can transfer funds to repay the loan using the details of this agency. Transfer details are available on the official website.

On this moment, payment in cash at the above-mentioned agency is possible only at the address: Moscow, Ermolaevsky lane, building 27, building 1. For additional information, you can contact the operator (telephone - 8 800 100-00-05). You can also contact the agency if situations arise in which the client would like to return his money.

Login to your personal account at Svyaznoy Bank

After license revocation, login and registration in personal account this credit institution is impossible, since it has completely lost the right to carry out any activity. The site provides only general and necessary information for bank clients.

Details for transferring money

At the moment, processing of information on loans is carried out by "". In order to repay the loan debt, it is necessary to transfer funds using the details specified on the official website of the bank whose license was revoked.

How to close a Svyaznoy Bank credit card?

After the license was revoked, credit and debit cards, as well as the Svyaznoy-Club bonus card, became invalid. But loan obligations to the bank continue to work and are valid. If there are no debts to the bank, then you do not need to perform any actions with the card. If there are debts on the loan, then you need to go to the main website of the bank and continue to pay debts, only now the transfer is carried out according to the details published on the resource.

The difficult economic situation around the world is becoming the main reason for the bankruptcy of many banking institutions. But what should those who have an outstanding loan from a bankrupt bank do? What should they do next? Do you need to repay the loan or can you forget about it? Let's consider all these questions in more detail.

What happens to the loan if the bank closes?

If such an unpleasant situation happened, and the bank where the loan was previously issued closed, then In no case will payments on the loan stop. Many who are confident in the cancellation of creditor obligations are deeply mistaken. The fact is that in such a situation, all loans are resold at auction.

After the loan has been purchased by another banking institution, it is obliged to:

• notify the borrower himself about this (this is done by registered mail via Russian Post);
• install new period repayment of the loan (with mandatory notification of this to the borrower).

Moreover, the new lender may ask to repay the existing loan early.

If the borrower has financial difficulties, the bank may offer.

Is it possible not to pay a loan if the bank is closed?

As stated earlier - the loan will have to be repaid in full. The only question is, who exactly?

After the loan is purchased by another lender, within a few weeks it will notify the borrower of the new payment details. Since fraudsters can often take advantage of this, after receiving the appropriate notification, it is recommended to contact a new banking institution and confirm the fact of loan redemption.

It must be remembered that the main reason for paying this loan is the fact that by repaying the loan by the borrower, he in such a unique way helps depositors to return their savings in the bank that, for some reason, closed or became bankrupt.

Svyaznoy Bank has closed - what to do with the loan

Unfortunately, the difficult economic situation in the country has hit this hard banking institution, which entailed the revocation of the license by the Central Bank of the Russian Federation.

Many borrowers are now interested in the question: what to do with their loans?

It is already known that All loans will be purchased by Tinkoff Bank— it is to this banking institution that all borrowers must repay their previously issued loans with Svyaznoy.

To continue paying off your loan, you need to know your contract number, which was assigned in a new way by Tinkoff Bank.

To do this, just contact the bank’s hotline (since it does not have offices) at phone number 8 -800-755-22-55.

It is worth remembering that all calls are free.

The hotline will inform all borrowers new details for making your payments. You can control your receipts using the registration field in your personal account. Tinkoff Bank. The positive thing is that no commission is charged when paying off the loan.

Is Home Credit Bank closing?

Recently information was leaked that this bank may soon close. But is it? There is only one answer - don’t worry, Home Credit bank does not close.

Why won't it close? Elementarily, this is due to the following factors:

• The bank ranks 8th in the rating of depositors. As of the end of 2015, it stores depositors’ savings amounting to over 500 million rubles;
• If this bank is withdrawn, economic collapse in the provision of banking services is inevitable.

Moreover, according to representatives of both the bank itself and the Central Bank of the Russian Federation, Home Credit managed to survive the peak of its crisis. Moreover, the decision to close about 200 of its offices allows it to significantly change its difficult situation and return to its pre-crisis position.

Is FIA Bank closing and where to pay the loan

Unfortunately, FIA Bank is still closing and now all borrowers who have an outstanding loan from this bank will have to pay using new details.

Svyaznoy Bank's license was revoked. People who took out a loan from this bank and did not repay it will have to pay their obligations.

After the license of Svyaznoy Bank was revoked, all methods of repaying debt under credit agreements (credit cards and cash loans) concluded between you and the bank that you previously used stopped working.

For the attention of borrowers of Svyaznoy Bank (JSC).

On April 18, 2016, between Svyaznoy Bank (JSC) and JSC TINKOFF BANK, an agreement was concluded for the provision of services for pre-trial debt settlement and acceptance of funds to repay loan debts of individual clients, within the framework of which JSC TINKOFF BANK is authorized to act on behalf of on behalf of the Bank and carry out the following actions:

• ensuring the possibility of repayment by clients of debt to the Bank (acceptance of payments) at the place of conclusion by the borrower loan agreement or its location;
• sending each borrower an initial SMS message, which should include new details by which the borrower can make a payment to repay the debt;
• informing borrowers by sending electronic messages and/or SMS messages about upcoming payments and the amount of debt;
• sending responses to borrower requests by sending electronic messages and/or SMS messages;
• servicing and advising borrowers over the phone on debt repayment, providing details, etc.

For additional information, please call TINKOFF BANK JSC 8-800-755-22-55

At the same time, all obligations to the bank provided for in the relevant agreements continue to apply. However, until December 11, 2015 inclusive, there is a grace period when penalties and fines on the loan are not accrued if the payment has not been made.

By decision Arbitration Court Moscow dated January 22, 2016 in case No. A40-231488/15 Svyaznoy Bank (Joint Stock Company) (hereinafter referred to as Svyaznoy Bank (JSC) or the Bank) (OGRN 1027739019714, INN 7712044762, address (location): 123001, Moscow , Ermolaevsky lane, house 27, building 1, address used for disclosure of information - www.asv.org.ru) was declared insolvent (bankrupt), and bankruptcy proceedings were opened against him. The functions of the bankruptcy trustee of the Bank are assigned to the State Corporation “Deposit Insurance Agency” (hereinafter referred to as the Agency).

The Agency informs the Bank's borrowers that from February 1, 2016, transfers of funds towards debt repayment are made using the following details:

Recipient of payment: State Corporation "Deposit Insurance Agency"

INN 7712044762 KPP 775001001

Address: 109240, Russia, Moscow, st. Vysotskogo, 4

Recipient bank: Main Directorate of the Bank of Russia for the Central Federal District

Recipient's current account: 40503810145250003051

BIC 044525000

Purpose of payment: name (last name, first name, patronymic) of the debtor (borrower), EAN 2989ХХХХХХХХХ / card number (for cardholders), details of the loan agreement (Loan agreement No. _____ from “____” _________20___), as well as the account of Svyaznoy Bank (JSC) at the Agency - No. 76/11-0482.

The Agency also reports that payment in cash can be made at the cash desk located in the Bank building at the address: Moscow, Ermolaevsky Lane, building 27, building 1. Cash desk opening hours: Monday - Thursday from 9:30 to 17:30, Friday from 9:30 to 16:30.

For additional information, please call: 8 800 100-00-05

For the attention of borrowers of Svyaznoy Bank (JSC) who also have deposits with the Bank.

Borrower of the Bank, who also has deposits with the Bank, and fully repaid his loan debt to the Bank(hereinafter referred to as the Bank's borrower), after 1 month after repayment of the debt, may apply to the agent bank for payment of the amount of insurance compensation due to him for all deposits opened with the Bank (but not more than 1,400,000 rubles according to the Federal Law of December 23, 2003 No. 177-FZ “On insurance of deposits of individuals in banks Russian Federation"). The addresses of agent banks are posted on the Agency's official website on the Internet at www.asv.org.ru in the section “Liquidation of banks” / Svyaznoy Bank (JSC) / Insured event / On the start of payments and addresses of the agent bank. In relation to the balance of deposits exceeding the insurance compensation received, the depositor has the right to present the creditor's claim to the Bank in the manner prescribed by law during bankruptcy proceedings. Address for sending creditors' claims: 127055, Moscow, st. Lesnaya, 59, building 2.

1. (not read).
Good afternoon Please tell me what to do correctly. Bank Svyaznoy (and now InvestCredit Finance) is demanding through the court that I repay the debt on the credit card that I took out in August 2012 for a period of 3 years. Fates An order that I must pay the debt dated March 7, 2019. I wrote a petition to restore the deadline for filing an objection and the objection itself to cancel the court. order. Today is the hearing of my case to cancel the court. order. My question is: what and how to say correctly in court to have the trial overturned. order. Should I write a statement about the plaintiff missing the statute of limitations or say so orally?

1.1. You can state this verbally.

2. Please help me resolve the issue with the Svyaznoy Salon and return the money for a service not provided.
On July 30, 2019, I purchased it at the address Penza, Stroiteley St., 1 b in the COLLAGE shopping center. in the communication salon "SVYAZNOY" Smartphone SAMCUNG A405 Galaxy A40, Costing 16,570.0 rubles and LuxCase 2.5D protective glass worth 1,196.0 rubles. Since the purchase was made with installment payment, the seller strongly recommends that you issue PECO purchase protection in the amount of RUB 3,669.0, with an explanation that this is necessary for approval by the bank. After completing all the documents, I was given a contract in the amount of 24,497.0 rubles for signature. To my question: “Why did the contract amount increase by almost 3,000 rubles?” the seller replied that these are the bank’s conditions and if I make payment ahead of schedule, the amount will decrease and I will not have to pay the difference.
The next day I called Tinkoff Bank JSC. They told me that the bank does not impose such conditions and I do not have to pay anything beyond the purchase amount. And 2762.0 rubles, included without my knowledge and consent in the purchase price. It turned out to be a consultation on the right course. I did not receive any additional services or advice from the seller; the purchase was planned and the model was chosen in advance.
As it turned out, communication shops always insist on selling additional accessories when purchasing goods on an installment plan. In my case, additional accessories were purchased in the amount of 4,865.0 rubles. The documents that would indicate this service not provided to me for 2,762.0 rubles, as well as a sales receipt for the entire amount, were not knowingly provided to me by the seller upon purchase. I consider this action of the seller to be a deliberate deception, which should not go unpunished.
On July 30, when I contacted the salon, no one, including the director of the salon, could clearly answer my questions about this paid Consultation. The correct course, what exactly I was consulted about and what services were provided to me. I wrote a complaint to the store, in which I insisted on returning the entire amount of 2,762.0 rubles for the service that was not provided to me. In response to my claim, I received a refusal.
On October 18, I contacted the salon again with a complaint and outlined the situation in more detail. If my demands are not met, I am inclined to regard this case as a planned and organized system of the Salon to deceive customers with the approval of these actions by management.

Lawyer Kolkovsky Yu.V., 100658 answers, 46975 reviews, on the site from 07/05/2015
2.1. If the claim is not satisfied, file a claim in court.

Lawyer Zlotnikova L.G., 13386 answers, 7476 reviews, on the site from 04/08/2017
2.2. Hello.
File a complaint with Rospotrebnadzor about the imposed services and file a claim in court, taking into account Article 16 of the Law on the Protection of Consumer Rights.

3. When I bought the phone in installments, I asked them what paid services there would be, they told me they didn’t have any, and in the end they allowed me to sign the contract. When I signed, the receipt also included paid services: consultation 6400 and SMS informing 2700, what should I do now? Can I refuse these services? I went to the messenger, they laughed at me and said that it was no longer possible to turn them off, the seller said that the bank had put forward such conditions for these services to exist, I called the bank, the bank said that it did not require this, and then the seller said that this was the condition of the store but I didn’t ask for them and I don’t understand why these services were given to me on credit.

Lawyer Pitnichenko A. Yu., 2732 replies, 1891 reviews, on the site since 12/20/2013
3.1. You need to carefully study your installment agreement, and then file a claim with the store and bank for a refund.

4. There was a card from a connected bank. The bank collapsed, I didn’t pay anywhere because I didn’t know where. It took 3 years and 1 month to receive a paper from the bailiffs for 134 thousand rubles due in the bank. I went to court, the court won and the debt was removed. I took it from the bank and this amount hangs. How to remove it.

Lawyer Kuprikov M.S., 5920 answers, 3705 reviews, on the site since 12/03/2016
4.1. Good time. You should contact the BKI in writing with a request to remove you from the emergency situation and attach judicial acts.

Lawyer S. A. Javadov, 68 answers, 48 ​​reviews, on the site from 09.13.2019
4.2. Good afternoon
A copy of the judicial act to both the bank and the bailiffs. If no one withdraws, then go back to court with a claim against the bank or bailiffs. But it’s better to write official letter to the bank and bailiffs, in which you indicate the court decision and demand that the debt be removed (end enforcement proceedings). If you get a refusal, then go to court.

"How to win a lawsuit against a bank over a loan - a case for 5.6 million rubles."

"How to cancel a court decision in a case of debt collection under a loan agreement"

14. I have the following situation: in 2011-12, a former young man took out two loans for me (he worked in Svyaznoy), in Svyaznoy and Renaissance banks. I found out about them when calls about debts began to arrive. Then calls began from collectors. Six months ago I managed to close my debt at Renaissance Bank (with the help of the police they proved that I had nothing to do with the debt), credit history restored. And I have a question about the debt in connection: I know that the bank is closed, sometimes collectors sent letters, but then they stopped, and I forgot about it. But now I need to correct my credit history (I assume that it negatively affects my job search). How now to close this debt, who to contact, how to restore history?

Lawyer Savostyanova K.V., 7168 answers, 3233 reviews, on the site from 01/14/2015
14.1. Svyaznoy was reorganized, bankruptcy proceedings are underway against him, and the bankruptcy trustee is a deposit insurance agency. You need to first contact them, get a copy of the loan agreement, an account statement, and a certificate of debt status. Then appeal the agreement through the court and declare it invalid.

15. Abbreviation SZS is North-West Sberbank and SS is Northern Sberbank

In a connected bank there was a loan with a limit of 30,000, issued in St. Petersburg in 2012, 2013-2014. I used the card in the Murmansk region, when I moved again I thought the loan was repaid.
SZS 70,000 rub. Credit card and 160,000 rubles. Consumer loan for three years. Changed his place of residence and moved to the Vologda region in the summer. 2014 with a reduction in the staff of the mountains. electrical networks in the Murmansk region. Moving to the Vologda region. I opened an account with the SS when I got a job as an electrician at the police station in burglar alarm, worked, staff reduction was laid off. Worked for Russian Railways. It's official everywhere. Wages received, but in production plastic card the SS was refused, in response the security service is not obliged to explain the reason for the refusal. SZS, SS are different banks and do not see each other’s accounts, SZS created for me such an unforgettable quest from Sberbank together with SS. .
SS of the Vologda region put money on the Momentum card, SZS debited Momentum from the account to the credit card. In 2016, according to the terms of the loan, the loan was repaid, a request for a loan from SS to SZS, and repaid the loan.
In the Vologda region, the SS said that you need to change the credit card where you received it, 2000 km away from the SZS branch of the Murmansk region. , Sberbank service. They sent me a Momentum SS card at SZS in St. Petersburg to change it, and they say Momentum is issued, apply for a personal one, after talking with the bank administrator, they still gave me a Momentum until 2021 Still, I repaid the SZS loan in SS...
Russian Railways transferred to St. Petersburg for work, my salary was posted to the Vologda region, because... In April 2018, I knew that he was arrested by bailiffs due to two previously unpaid traffic police fines of 2,000 rubles. I only found out about this 4 years later, because security was silent about it for so long. Correspondence with bailiffs of the Murmansk region. and Sberbank in July 2019. The case has already been destroyed due to the statute of limitations. They called from Samara to close the account at SZS, and the office work will also close. A year and a half passed and Sberbank even provided a credit history, where I found out that Svyaznoy Bank’s credit card, the bank transferred to Tinkoff, and then it provided finance. Naturally, I realized that this was the problem; a debt I didn’t know about floated out like a submarine. So I called Loan Finance, and they told me 24 hours to pay, and sent me a court order, which I find out about in 5 years. DAYS TO REPAY THE DEBT PERSISTENCE CONVINCES ME,

Lawyer Zotov V.I., 36842 answers, 15126 reviews, on the site from 07/11/2009
15.1. Hello, dear Vasily!
Firstly, if by a court decision a debt was collected from you under a loan agreement with interest and a penalty, and you did not receive from the court either a copy of the claim, a summons, or a copy of the court decision, but learned about this from the letter you indicated, then in this case you have the right appeal the court's decision to the court of appeal on the basis of articles 320-322, 112 of the Civil Procedure Code of the Russian Federation (briefly - the Code of Civil Procedure of the Russian Federation).
Secondly, if a debt with interest and a penalty was collected from you by your creditor on the basis of a court order, then you have the right to court order cancel in compliance with the provisions of Articles 128, 129, 112 of the Code of Civil Procedure of the Russian Federation. You can find out how to do this on my page in the “My Publications” section in my detailed legal article « How can you cancel a court order?»
Article 128. Notification of the debtor about the issuance of a court order
The judge sends a copy of the court order to the debtor, who, within ten days from the date of receipt of the order, has the right to submit objections regarding its execution.
Article 129. Cancellation of a court order
The judge cancels the court order if the debtor fixed time there will be objections regarding its implementation. In the ruling on the cancellation of the court order, the judge explains to the claimant that the stated claim can be presented by him in the manner of claim proceedings. Copies of the court ruling to cancel the court order are sent to the parties no later than three days after the day it was issued.
Good luck to you.

16. The court rejected the bank's claim. I applied for a seed pass. the judge said that the bank could file a complaint. What is the likelihood that the bank will do this? The last payment on the Svyaznoy Bank card was in September 2014. The card is valid until February 2015. The court order was canceled by me in February 2019, the collectors filed the lawsuit in June 2019.

Lawyer Kuramshin R.R., 840 answers, 850 reviews, on the site from 01/12/2019
16.1. Good evening, Nadezhda!
The likelihood of filing an appeal is quite high, if only because the lawyers of the bank (collection organization) could report to management that they had taken all measures. However, filing an appeal does not mean that it will be satisfied.

Lawyer Merny M.A., 3001 answers, 1663 reviews, on the site from 05/11/2018
27.2. Of course, and preferably in writing.

28. If it is not possible to return the money, then at least how to punish the company?

1) Phone

3) client's memo

4)Payment schedule

How can they be punished? Do you have any contracts or checks on hand?

28.1. Good afternoon Dear Creature
to be officially recognized as his daughter..-On August 1st you were a woman.

Our naughty (it’s) freebie))

Lawyer Medunov S.K., 14808 answers, 5603 reviews, on the site since 10/13/2010
28.2. You ask questions very often. At the same time, you cannot distinguish between questions and consultations. Answers to questions are free, consultations are paid. WHAT you just wrote is a paid consultation, this is the personal messages section..
Sorry for the incontinence of my colleagues, but they are right, since we waste time on meaningless and unpaid reading of other people's problems.

29. Who will help with advice? WHAT should you do in this case?
If it is not possible to return the money, then at least how to punish the company?

On Sunday, June 16, I went to the Svyaznoy store located in the Shchuka shopping center (at the address: Moscow, Shchukinskaya str. 42). The girl consultant offered to take out on credit the model that I was interested in, the asuas Zenafon MAX Pro M1-ZB602KL mobile phone. I said that this proposal is interesting to me, I agree, but without additional details. services and accessories, she said that the loan can only be issued under these conditions. I refused. After which she suggested to me, well, let’s try: after that, while I was talking with the young man about the accessories, their cost and that it would be easier for me to order them from China because they would be cheaper. He also tried to convince me that it is better to take everything at once, to which the girl who issued the loan told me young man: he doesn’t want to take any warranty or accessories (meaning me). While she was processing the loan, I asked how much the protective glass cost, the young man consultant said 900 rubles, after I clarified that the installation of the protective glass would be FREE? and having received an affirmative answer, I additionally purchased protective glass for a separate fee from a bank card, which I immediately paid for.

Further, the Girl told me: congratulations, your application was approved by one bank.
After which we signed documents with her, I additionally purchased and paid separately for protective glass using a non-refundable number from a Sberbank card. After a young man put a whip on my hands, I received:
1) Phone
2) a box with a charger, cable and instructions.
3) client's memo
4)Payment schedule
After it was time to pay off the loan, I realized that I had been deceived because they did not tell me that they had included it additionally under number 2- (Warranty, delivery, lifting, setup, installation, communication services) for a total amount of 7358 rubles. 00 kop.
Although I don’t even know what is included in this service and what exactly this amount is for, there were no settings, deliveries, pick-ups, and even more so communication services were not provided - I DON’T EVEN KNOW WHAT I’M SUPPOSED WITH WITH THIS SERVICE, what’s included in the guarantee for this amount, when calling you on 88005500770, not one of the operators could tell me this either.
But it turned out by chance, when I made the first payment and the next day I called the bank and wanted to close the loan earlier, it turned out that the total amount was 18389. I thought that this amount was taking into account the cover for 10 months.
I believe that the loan was issued in violation, I was not provided with complete information, and I also did not receive either an agreement or a receipt (neither a sales receipt nor a cash receipt).
As far as I understand, there should be some standards for servicing and processing a loan, where they should provide all the information about why such an amount was obtained. They sold me a service for 7358 rubles that I don’t know anything about.
After calling the bank and repeated calls to your support service, I was offered to go to the store itself. On July 17, I arrived at the communications salon in the Shchuka shopping center located on the 1st floor no more than 100 meters from the entrance to the shopping center itself, I was told that The girl who arranged the loan for me is not there, and only she can provide information, and they offered to come on Sunday. Since I myself am in the Moscow Region and cannot travel to Moscow so often, I ask you to look into this situation. A big request: please tell me what is included in this service for 7358 rubles, which I don’t know anything about and only found out thanks to the bank application when I downloaded it, because not a single employee of either the bank or your technical support provided me with this information (mail bank, screenshot attached to the letter). I’m really tired of calling you because either they can’t answer my questions ( let's say what is included in this service) or each special. Technical support says differently: they should give a check or they shouldn’t.
PLEASE contact me by phone and let me know first of all what is included in this very service.
I would be grateful for your feedback. As a result, technical support first said that a letter to the company had arrived by mail, then after 2 days of calling back it strangely disappeared, I tried for 2 days to send a full review, they didn’t get it until I asked a specialist to fill out the request herself, in the end came the answer:
We apologize for any inconvenience caused. Our colleagues in the store always provide information on goods, services and credit conditions at the time of purchase. To purchase a device in installments, you need to take along with it additional service, accessories and settings so that the bank will consider issuing a loan without overpayment for you. By signing the documents, you confirm that you have read all the information in writing. The cost was announced, and the service was provided in the scope specified by you. We cannot fulfill the stated requirements.

Your feedback, of course, did not go unnoticed. It was discussed with the management and managers of the department, and an explanatory conversation was held.

We hope for your understanding and further cooperation.

Sincerely, Svyaznoy United Company | "Euroset".

How can they be punished? Do you have any contracts or checks on hand? Who can help with advice?

Lawyer Bychkova N.V., 12169 answers, 5141 reviews, on the site from 02/07/2011
29.1. to be officially recognized as his daughter..-On August 1st you were a woman.
on Sunday I went to the store today you are a man))
Our naughty (it’s) freebie))
And you all need to be punished. Moreover, you recently (judging by the questions) bought an apartment, which means you have money! Choose a lawyer, pay for his work and I will help you))

30. A telephone and accessories for it were purchased in the Svyaznoy store in installments of 0-0-24. The next day, accessories of proper quality were delivered to the store. How long does it take for a store to transfer funds for returned goods to a bank account? How will the payment amount be recalculated?
With an installment plan of 0-0-24, interest is already included in the price of the goods, and when returning the goods, the store returns the cost of the goods, but who will return the interest?

Lawyer Samokhin D.S., 2171 answers, 1631 reviews, on the site from November 21, 2017
30.1. Hello! We will assume that your rights as a consumer have not been violated, since the accessories were of proper quality. Thus, your situation is not subject to the provisions of Article 22 (on deadlines), 24 (on the return of the amount for goods purchased on credit) of the Law on the Protection of Consumer Rights. I have not seen your loan agreement, but I will say this: if both the phone and accessories were sold on credit, then general rule This product is pledged to the bank. Before returning this product to the store, you must have received the bank's consent to do so. And now it turns out that you not only disposed of the goods, but also want to change the terms of the loan agreement unilaterally. This is impossible! In your case, the proper fulfillment of obligations will be to repay the loan in accordance with the terms of the loan agreement until changes are made to it.
The only violation that I think there may be is that interest on the loan is included in the price of the goods. This shouldn't happen.

Svyaznoy Bank was on the verge of leaving for a long time. What happened? Why did he lose his license? Why did the regulator not approve the reorganization? And what should borrowers do?

What should borrowers do?

Termination of the bank's activities does not relieve the need to repay the loan. A bankrupt bank always has a legal successor who receives the assets of the bankrupt organization, including loans issued by it. If the debt is not paid, the borrower risks meeting with debt collectors or receiving a subpoena, and the loan amount may increase due to fines and penalties.

Another thing is that paying off a bank that has burst is not always easy, because you cannot transfer money using the same details. Therefore, after the revocation of a license, there is always a kind of grace period during which they are not charged.

For Svyaznoy Bank borrowers, this period ended on January 19, 2016. Next, you need to make payments correctly using the following details.

Recipient of payment: Svyaznoy Bank (JSC)

BIC: 044583139

INN: 7712044762

Gearbox: 775001001

Account: 47422810800000000678

Since all borrowers have to transfer funds not to an individual account, but to one common one, it is necessary to indicate in the purpose of payment who is making the payment and under what agreement. For example, like this: transfer of funds to pay off the debt of Ivan Ivanovich Ivanov under loan agreement No. 001 dated January 1, 2015.

If you do not have a loan agreement, please indicate the 13-digit number starting with 2989, which is indicated under the barcode on back side credit card Svyaznogo.

Residents of Moscow can pay in cash at the bank branch at the address: Ermolaevsky per., 27, building 1. The office is open from Monday to Thursday 10.00 to 17.30 and on Friday - until 16.30. Lunch break – from 14.15 to 15.00.

More detailed information can be found on the Svyaznoy website or through the QBank online banking system.

Caring Svyaznoy Bank

To Svyaznoy’s credit, he did not leave clients alone with the situation, but gave them the opportunity to receive comprehensive information through the QBank system.

The developers have turned Internet banking into an information resource that allows clients to request information about their existing loans from Svyaznoy Bank and the amount of insurance compensation due for payment.

There are also instructions for repaying loans, indicating details for non-cash transfers and the address of the cash desk for accepting cash.

However, only those borrowers who remember their QBank password will be able to access the service, since its recovery function is disabled.

Possible problems

Borrowers wishing to send a money transfer to an account in Svyaznoy may be denied the service due to the alleged absence of the bank's BIC in the directory of credit institutions. In this case, you should contact the management of the refusing bank with the problem or make a payment through another credit institution.

Svyaznoy himself also advises to complain to the Central Bank reception or write to the address [email protected].

If you deposited funds towards the next loan payment before November 24, 2015, and the payment date is set for the day after this date, then the money will have to be paid again. This is due to the fact that after the license is revoked, the bank does not have the right to write off funds from client accounts. The “suspended” amount will be paid along with insurance compensation by the agent bank (Sberbank) or DIA.

What should investors do?

Individual depositors can return funds within the maximum insured amount of 1.4 million. To do this, they should contact the agent bank assigned to Sberbank before December 8, 2016.

Individual entrepreneurs are paid compensation directly by the Deposit Insurance Agency (DIA).

Slow departure of the Messenger

The problems started in 2014. Then the media wrote about the problems of Svyaznoy Bank shareholder Maxim Nogotkov. The latter was unable to repay the loan from Svyaznoy Management Company to ONEXIM in the amount of $120 million. Concerned clients rushed to withdraw their funds and within a week deprived the bank of a third of the deposits placed in it.

Then confusion arose with the owners, when Maxim Nogotkov had already actually given up a controlling stake for debts, but the beneficiaries did not announce the official transfer of the bank to the new shareholder (Oleg Malis), claiming that negotiations were still underway.

Complicated the situation. Radical optimization of expenses (even to the point of closing all bank branches) and the introduction of limits on withdrawals helped Svyaznoy to stay on the market for another year.

During this time, management repeatedly addressed shareholders with requests for additional capitalization, but positive result didn't succeed. Even then, Svyaznoy’s management noted that the optimal option for the further functioning of the bank was reorganization.

By October 1 last year, the capital adequacy ratio dropped below the minimum level of 2%, but at the same time Svyaznoy Bank managed to fulfill its obligations. The Deposit Insurance Agency has begun checking the financial condition of the credit institution to find out whether the bank should be rehabilitated or it will have to leave the market.

Three weeks later, information appeared that the Central Bank intends to hold a non-public competition for reorganization and allocate 2 billion rubles for this purpose. The proposed amount was not enough to interest investors, although some players were thinking about taking Svyaznoy Bank under their wing. Among them are Renaissance Credit, Expobank, Finprombank, TKS-Bank and Russian Standard. Their main interest was not in banking assets, but in the cellular retailer network owned by Svyaznoy Bank.

The media reported that Finprombank won the competition, but the Central Bank did not approve the candidacy. It would have been possible to hold a second competition, but investors were not interested in this, since they were not satisfied with the amount allocated by the regulator for financial recovery. Svyaznoy himself said in early November that in December shareholders would discuss the issue of liquidating the bank.

Why wasn't the bank sanitized?

Literally a week before X-Day, there were rumors that the issue of reorganization had almost been resolved, and Renaissance Credit would handle it. On November 17, Svyaznoy himself turned to the Central Bank with a request to consider the possibility of applying the financial recovery procedure.

But on November 24, 2015, the license was revoked. The regulator's press service reported that the reason was the underestimation of credit risks: the bank completely lost its equity capital after the formation of reserves corresponding to the accepted risks.

The regulator considered the bank's reorganization economically unfeasible due to the low quality of assets. As explained by the first deputy chairman of the Central Bank, Alexei Simanovsky, the hole in the bank’s capital is small – about 1 billion rubles. Moreover, it is not associated with theft of assets or other dubious transactions, but is due to the low quality of the retail loan portfolio - the bank’s main asset. But more than half of the loans issued were overdue by more than 90 days, and the portfolio was constantly deteriorating.

What kind of bank was this?

The messenger was focused on retail service. About 45% of the bank's liabilities came from individual deposits. Likewise, the loan portfolio, which makes up two-thirds of the company’s assets, consisted of 97% retail loans.

The main services were issuing bank cards, lending, insurance, Zolotaya Korona and Western Union transfers.

Legal entities were provided with services of settlement and cash services, collection, and currency control. Deposits, salary projects and corporate cards were also offered.