Alexander Service in the branch Score: 2
I work backwards. Half of the employees just walk around. Doing nothing. Calls are not answered. I ordered a card from them in the bank, I waited 7 days there was no card. I specially came to the bank and called from there, so I personally saw that the employees do nothing at all, do not pick up the phone, and sit about their business and communicate with each other on any topic, or not to work.
For such cases, fire everyone except the cashier. And the administrator, who does not follow his subordinates, is fired without a salary and driven into the general database, so that he can no longer build anywhere.
Bank division
Additional office "Sreda" Moscow, Ryazansky prospekt, 2, building 25
I called before leaving for work to ask them to put the amount on the account for the last write-off, but they cannot answer. Now they show - we can not get through to you.
Alexei Service for individuals Rating: No
The bank is very disgusting. I called before leaving for work to ask them to put the amount on the account for the last write-off, but they cannot answer. Now they show - we can not get through to you. STUPID, THEY ARE TOLD THERE WILL BE NO CONNECTION!
I put money on the card, the ATM chewed up a 5000 bill and did not count it. The bank considered the appeal for 3 weeks, after which it said that it did not find any extra money.
Anonymously ATM operation Rating: 1
Received 5000 rubles! I put money on the card, the ATM chewed up a 5000 bill and did not count it. The bank considered the appeal for three weeks, after which it said that it did not find any extra money in the ATM!
Elena RKO Score: 1
According to a bank employee - well, just an ideal option for small businesses. Everything is free and available. The only restriction is that in the first three months after opening an account, the turnover should not exceed 3 million rubles.
Politely and clearly told that there are no hidden fees or additional payments. Being confident in the decency of the bank employees, I agreed to this miracle program. As it turned out, in vain! What's the catch? Yes, in that...
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Davidenko Tatyana Ivanovna Service in the branch Score: 5
I express my sincere gratitude to Violetta Kuchinova, an employee of the St. Petersburg office of Vladivostoksky, for her sensitive and attentive attitude during service at the bank, for professionalism in work, efficiency, literacy and high level sociability.
Thank you! Good luck to all employees of the bank.
Sincerely, Davidenko T.I.
Anonymously Service in the branch Rating: No
Count money at the cash register, do not be lazy and do not be shy. I didn't and regret it. Reutov.
Paid off the loan on time. Paid on time. But each time I was denied a loan. Apparently they blacklisted me for no reason.
Svetlana Consumer loans Rating: 1
Paid off the loan on time. Paid on time. But each time I was denied a loan and even a credit card. Apparently they did not deserve me on the BLACK LIST.
Natalia RKO Score: No
Terrible bank, I do not advise anyone to contact. Why you need an online bank, it’s not clear - it’s constantly stupid, and then it turns out that the file cabinet is automatically connected and you get 400 r from you for each payment - they can easily do it.
Once I couldn’t enter with a password, I came to the office, the answer was they forgot the password. It turned out that it was necessary to confirm personal data and only after that the password passed. And how to find out about it if it just says that the password is wrong?
It turns out that you need to constantly go to the office. Why do I need them My business, I'll never know. Closed the account, some nerves are endless. There were no problems with the first payment.
Branch of Promsvyazbank...
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Sergey Mortgage refinancing Rating: No
In December, he turned to Promsvyazbank to refinance military mortgage. At that time, the bank offered a rate of 8.9%. Submitted documents, a bank employee filled out an application and gave complete list necessary documents. Some of them have an expiration date (so they had to be redone).
Bank employees asked for the same documents several times (it is not known where they lost them), it was not possible to get through to them (after 3 weeks of unsuccessful attempts to get through to them, I had to write to the customer service center, only after that they called back). It turned out that they lost our documents again and had to send them again to the email address of a bank employee.
I wanted to open an account with Promsvyazbank. I read the reviews. Thanks to everyone who wrote the truth about this bank.
Vladimir RKO Score: No
I wanted to open an account with Promsvyazbank. I read the reviews. Thanks to everyone who wrote the truth about this bank. I will bypass it!
Yuri Consumer loans Rating: 1
He was deceived by Promsvyazbank (PSB) for 241 tr. when applying for a Consumer Loan (PC) No. 765861092 dated 08/15/2018 at the Sadovo-Spassky office, he became, like most PSB clients, a LOB (a person deceived by the bank).
I applied to the PSB, I needed 1.5 million rubles, on 08/15/2018 the PC was approved. In the office, an employee very politely and convincingly told (more precisely, shamelessly lied) about insurance: with insurance interest rate 11% instead of 15%, 241 tr. will also be credited to my account. (it is not clear why?), etc. Then she slipped me a contract, not for 1.5 million rubles. and for 1741000 rubles, such as the amount of 241 tr. will be listed later. Lulled by lies, he did not notice how he signed all the documents.
Unqualified rude staff, irresponsibility bordering on deceit and fraud.
VP Service for individuals Rating: 1
It is better not to use the services of this bank, if possible. Unqualified rude staff, irresponsibility bordering on deceit and fraud.
Valeria Credit cards Grade: No
After the reissue, you need to run for the card. The credit card expired before the new year. I applied to the bank with a request, as soon as the card was reissued, to send it to an office convenient for receiving. I was refused, but they assured me that the card would come in Main office on Millionnaya 38, there I can pick her up. Not very convenient, but still not going through the whole city, taking time off from work for half a day. They promised to notify as soon as the card arrives at Millionnaya. Didn't wait.
Today is January 14, I remind you that the old card was valid until 12/31/18. I asked for leave, went to the office, they turned me around, saying that they did not have a card. On the...
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Nemiroff Galina Leonidovna Consumer loans Rating: No
They refused to receive a loan, only because they did not submit a tax receipt, which I have to pay only in July 2019, i.e. receipt non-existent, out of thin air. I have been a client of this bank for 7 years. And I had no complaints.
For three days I was asked to bring one document, then another. They called me from Moscow, they conducted an interrogation with prejudice. And as a result, they asked for a document that does not exist. And today they called and explained that for this reason I was denied a loan.
I am shocked not by the fact that I was denied a loan, but by the incompetence of employees.
Elena Mortgage Score: 1
We received an advertisement from Promsvyaz Bank, just looking for banks to apply for a mortgage. Came filled out an application, submitted everything Required documents. 14 days passed, then another ..... As a result, a month! No one has ever contacted us, even if the answer is not positive. It means that they value customers so much, employees do not particularly show any interest, without raising their heads they sit and type on the keyboard)))
It is very sad that the people who work there spoil the attitude towards the bank itself. I hope that someone from the management will get to my review and put things in order.
The application was submitted to the address: Moskovskaya st., 15, Tsentralny microdistrict, Sochi.
Alexander RKO Score: 1
We received such a letter from the bank (see below). Without explaining the reasons, the bank decided to restrict access to the client to the bank and accept payments personally (free taxes - payment from 600 rubles, any other payment from 900 rubles).
They tried to find out the reason, the operator does not know anything, asks to contact the bank personally, the bank does not know anything, they refer to a letter and a phone number, and there are no reasons for blocking, they only paid taxes and transferred the entrepreneur’s personal funds (we use the simplified tax system 6%), everything taxes have been paid.
This is not the first time, I was warned by friends who had exactly the same situation, but I had an account in this bank and hoped ...
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Tatyana Question Rating: No
Hello. This is not false information. Please check these illegal companies.
1. There are no cash balances on the account, or they are insignificant;
2. Payments are not related to the costs inherent economic activity client.
3. There is a sharp increase in account turnover, exceeding the declared when opening an account by the client maximum speed Money;
4. No payments are made from the account within the framework of business activities (rental, communal payments, purchase of stationery, etc.);
Cash is credited with VAT and transferred in favor of counterparties for objects that are not subject to VAT. The companies are opened in the additional office of Avtozavodskaya st. Avtozavodskaya 6
TD Wholesaler (Kochetkova Maria Mikhailovna) furniture wholesale
Mega SK (Lysy Andrey Sergeevich)
LLC VitaLux (Rednikov)
OOO...
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Bank division
Additional office "Avtozavodsky" Moscow, st. Avtozavodskaya, 6
Tatyana, hello!
Try to write your message to the bank's feedback form on the page https://www.psbank.ru/Corporate/Contact
Sincerely,
Topbanka.ru editors
Sergey Aleksandrovich Debit cards Score: 1
For this, a bank employee issued a free virtual card where all were disabled paid services and I received part of my funds in cash. What was my surprise when the next day I received an SMS about writing off $ 2 for connecting SMS notifications! I understand that the amount is not large ... Calling the bank, the department ...
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Andrew Debit Cards Score: 1
At about 5:50 p.m. on December 6, 2018, when asked why I took 90 rubles, that is, 9%, from my Promsvyazbank card, when issuing 1,000 rubles at an ATM of a partner bank, I tried to dispute the% that it was not 9%, but much less, but after consulting with a colleague, she believed that it was really 9%. She further stated that this is absolutely normal for ATMs. Realizing that a conversation with such a "competent" bank employee is dangerous for my psyche, I decided to leave.
Bank division
Additional office "Oktyabrskaya" Moscow, Leninsky prospekt, 2a
Marina Alexandrovna Contributions Score: 1
Feedback is negative. After the death of my mother, I learned from a notary that her testamentary disposition, drawn up in a bank, on deposit, made on 12/13/2012 at Mozhaisky subsidiary of Promsvyazbank (Moscow), disappeared. This follows from the official response of the Head of Operations Support Department I.V. Shorokhova.
I have all original documents, incl. a testamentary disposition registered in the bank registration book under No. 97846119.
Sergey Service in the branch Rating: No
I am a client of your bank. I have a salary card 5..........8946. On 11/24/18 I was at the bank at the address: Friendship Avenue 85a. Wanted to contribute. One employee worked. The queue moved slowly and in addition to electronic queue she received her friend. Motivated by the fact that a woman with a small child.
Although in front of me was a man also with a small child. We both left with him. Apparently there is no interest in clients-investors. My number was E-1...
Bank division
Additional office "Volzhskiy" Volzhsky, st. Friendship, d. 85a
Love Mortgage Score: 1
While they were potential clients of the bank, i.e. before taking a mortgage, we were followed by bank specialists. As soon as we became customers, we began to go. Circles. From insurance to the mortgage center of the bank. A classic of the genre, apparently!
Need to renew contract mortgage insurance. But they know about this agreement only in the mortgage center, and they do not communicate with clients, they confirm the unavailability of specialists in the CC. They didn't see it in the insurance contract.
Could you tell me how to get the necessary information in your bank? Or just put the money in the nightstand?
Bank division
Additional office "Kitay-gorod 2" Moscow, Slavyanskaya sq., 2/5/4, building 3
Love hello!
Try to write about your situation in the feedback form on the page https://www.psbank.ru/Bank/Quality/Feedback/Complaint
Sincerely,
Topbanka.ru editors
Alexander RKO Score: No
"Promsvyazbank" actually does not work with clients, attracts in order to put it on the "black list" at any opportunity, referring to 115 Federal Laws for the slightest reason and without, blocks accounts from small businesses and sends them to the Central Bank with the characteristic "on suspicion of illegal operations" , as a result of which other banks see this and, without understanding, refuse to open a bank account.
Promsvyazbank itself is under the reorganization of the Central Bank, drowning its customers, probably in the hope of avoiding punishment for fraud. In fact, it undermines confidence in banks, hinders the development of small businesses and harms the regions where it works.
After meeting with Promsvyazbank, entrepreneurs "go into the shadows" or close.
No one can provide information on mortgages, except for the assigned manager. He doesn't pick up the phone or answer emails. As a result, there is a mortgage approval, but it is impossible to take it. Why bother people?
Tatyana Ipoteka Score: 1
Good afternoon. It is not possible to call. No one can provide information on mortgages, except for the assigned manager. He doesn't pick up the phone or answer emails. As a result, there is a mortgage approval, but it is impossible to take it. Why bother people? Close mortgage products and all.
Southern PJSC branch Promsvyazbank, a branch in the city of Volzhsky, 48G Lenin Ave., violates the terms for issuing reissued Visa and Master Card cards, and the terms of the agreement on the Platinum package in terms of life and health insurance for the cardholder. So, the Master Card Platinum card was reissued in the usual version, and issued only a month after the reissue, Visa card Platinum was issued only 4 months after the reissue. And the insurance contract was renewed only in September 2014, although the contracts were concluded in March 2012. In addition, in this branch, employees ignore calls through the bank's call center, so I called on September 9 and 14 a total of 8 times on the issuance of re-issued cards, including once - directly standing at the counter of a bank employee, in the presence of his boss. The phone rang at 4 employees, mine was put on speakerphone. When asked why no one picks up the phone, they said: "Well, you call right here, all the employees are busy." From my point of view, the Bank violated: 1. Order of the Central Bank of December 24, 2004 N 266-P, P.1.12; 2. Part 4 of Article 14.8 of the Code of Administrative Offenses of the Russian Federation, which entered into force on January 1, 2015; 3. Item number 010113-010113-00005R Chapter 2 of the Rules of the Visa Payment System; 4. Clause 3.3. Category C Russian Rules MasterCard dated December 23, 2012
I ask you to take measures against the bank employees, to make changes in job descriptions responsible persons.
14.09.2015 18:31
Dear Customer!
Thank you for your feedback.
An official written response containing detailed explanations on the substance of the issues raised by you was sent to you via personal messages in the Internet bank.
Sincerely, Promsvyazbank.
Dear Evgeny Dmitrievich, Your complaint has been sent to the bank.
DebtI am a bank customer. I have been experiencing financial difficulties in recent months, being in maternity leave there are no funds to pay the loan, the debt is 2 weeks. Wrote to the bank that there is no way to pay.
I ask you to look at the information about the letter, 3 weeks have passed, but there is no answer.
11.09.2015 22:55 / Julia
Hello!
Thank you for your feedback and we would like to reply with the following.
The Bank is ready to consider the possibility of providing options to mitigate the financial burden of paying the loan.
To do this, you need to submit an application by contacting the Bank's office, as well as additionally provide the following documents: a copy of the child's birth certificate, a copy of all pages of the passport, a certificate from the employer (must be valid at the time of filing the application for restructuring - 30 days, including the date of issue ).
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Yulia Vasilievna, Your complaint has been sent to the bank.
Complaint / Sender identified / Checking
The only ATM in the city does not work06/05/2015 and 09/06/2015 on Saturday and Sunday, at a time when the bank branch was not working (Saturday evening and all Sunday), all Promsvyazbank customers in the city of Tambov were not able to replenish their accounts (pay loans) by depositing cash through the terminal .
Establish the work of services serving the banking terminal on weekends and holidays or (better yet for customers) set up backup/backup cash points.
09/07/2015 17:02 / Alexey
Hello!
Based on the results of the audit, the fact of a malfunction of the ATM located at the address: Tambov, st. Sovetskaya, 125.
Please accept our apologies for the inconvenience caused.
The ATM was restored on the first working day.
Information about your feedback has been brought to the attention of the management of the responsible division of the Bank for consideration in future work and taking measures to improve the quality of terminal service.
We look forward to continued cooperation with you.
Sincerely, Promsvyazbank.
Dear Alexey Andreevich, Your complaint has been sent to the bank.
Complaint / Sender identified / Checking
Account (card) blockingHello. In our apartment goes overhaul. Initially, we expected to spend a certain amount on repairs, but prices increased, and in order to complete the repair, I had to sell my gold items under an agreement dated July 29, 2015. Payment under this agreement was made in non-cash form on mine debit card at Promsvyazbank. Companies from which we ordered furniture, curtains and much more, located in large shopping malls, work only with cash, so I had to withdraw money from the card, which is confirmed by cash receipts. On 09/01/2015 I received an SMS from the bank that my card was blocked and I needed to contact the bank office. At the bank office they talked to me like a criminal, they told me to immediately (give it to a credit card that I did not receive) write an application to close the account and informed that the money can be received in 45 days. Any of my explanations, the offer to provide documents to the bank employees was not interested. I ask you to explain by what right I was given a moral insult, which negatively affected my health (because I am not a young person), punish the bank employees and return the money left in my account immediately. Otherwise, I will have to go to court.
I ask you to understand the legitimacy of the actions of the bank employees and return the remaining money in the account immediately. Sincerely, Gennady.
09/05/2015 15:36 / Gennady
Hello!
Thank you for your feedback and we would like to respond with the following.
In accordance with the Rules for Issuing and Servicing International Bank Cards, the Bank has the right to refuse the client to conduct operations on the account, as well as block the action bank card without notifying the client. According to the terms of the Rules, the agreement may be terminated unilaterally outside judicial order at the initiative of the Bank or the client. By signing the application form for issuing a card, you have confirmed that you are familiar with these Rules and agree.
In case of termination of the agreement at the initiative of the Bank, the client fills out an application for closing the account, and the balance of funds is issued to the client after 45 days (the settlement period financial obligations between the client and the Bank, in accordance with the terms of the Rules).
On September 1, 2015, you submitted an application for closing an account, after 45 calendar days you can contact the Bank's office and receive the balance of funds from the account at the cash desk.
In addition, we inform you that the results of the audit did not confirm the fact of incorrect actions on the part of the office employee. An employee of the Bank checked the information on your accounts and announced a variant of resolving the situation.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Gennady Aleksandrovich, Your complaint has been sent to the bank.
Complaint / Sender identified / Processed
Where is my money?On September 1, 2015, I wanted to withdraw money in the amount of 20 thousand rubles through an Alfa-Bank ATM. As a result, when the ATM failed, he did not give out the money, but debited it from the account. There is no branch of your bank in my city and all employees hotline offer to go to another city at their own expense to write a statement. Completely bank and ATM error. I wrote an appeal on your site, described everything in detail, there is no answer, no hello!
09/02/2015 14:55 / Ruslan
Dear Customer!
Thank you for your feedback.
We are sorry that you faced this situation. An ATM is a complex technical device, in which temporary failures are not ruled out.
In the event of such situations, indeed, it is necessary to contact the Bank's office and issue a written statement of disagreement with the operation.
Considering all the circumstances of the current situation, in individually, Your appeal was accepted without a visit to the office.
In accordance with the Rules, the term for consideration of such applications is up to 30 calendar days. Our specialists will make every effort to resolve your issue as soon as possible.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Ruslan Rinatovich, Your complaint has been sent to the bank.
Complaint / Sender identified / Checking
Unqualified employeesI wanted to take off cash at the box office in the amount of 290,000 rubles. The employees of the office of YaF DO "on Pushkin" explained what I should do so that I would not be charged a commission. I did everything, but at the same time I was charged a commission in the amount of 3,800 rubles.
Please refund my commission in full. Let the operators who do not know the tariffs and the products they sell pay.
08/22/2015 11:13 / Natalia
Hello!
The official written response sent to your registration address (ref. No. 49650) contains exhaustive explanations on the merits of the issues raised by you.
The position of the Bank has remained unchanged and the Bank has no grounds to meet your requirements.
Sincerely, Promsvyazbank.
Dear Natalia Mikhailovna, Your complaint has been sent to the bank.
Complaint / Sender identified / Processed
Daily callsStarting from August 5, 2015, I have been receiving daily calls from the debt management department of Promsvyazbank, asking me to call a person I do not know on the phone. I explain to employees, including Sokolova and Rostina, that I bought a SIM card in a megafon mobile phone store two years ago and is in no way connected with the person they are interested in, I have no bank or any other debts !!! I am not served by your bank, but the calls are repeated every day, sometimes even three times a day. Repeatedly asked the staff to deal with the problem, explained the situation. In response, they told me either that they could not help, or change the number (which naturally does not suit me), and they also hung up the phone more than once.
Please stop these calls.
08/18/2015 21:59 / Anna
Dear Anna Alexandrovna!
Based on the results of the audit, it was established that your phone number was indicated as a contact in the personal data of the client of our Bank. At the moment, the necessary measures have been taken, calls from the Bank will not be received in the future. On behalf of the Bank, we sincerely apologize to you for the inconvenience caused.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Anna Alexandrovna, Your complaint has been sent to the bank.
Complaint / Sender identified / Processed
ConfusionGood afternoon! On August 18, 2015, I applied to Promsvyazbank in Tomsk for a salary card, but in the end I never received it! When changing my last name, I contacted the bank to reissue the card with new data! I provided all the documents about the shift, the employee made photocopies. But in the end, due to lack of professionalism or due to the inattention of the employee, the card was reissued with a regular surname. I am 7 months pregnant and it’s hard for me to go to the bank several times. Now in 5 days I will again have to go through the whole city with a belly and pick up the card, I hope this time they will do it right. Wasted time and energy! I am very upset that I will have to leave work again and dangle through all the traffic jams.
I wish such situations did not arise, but people are different! Someone has a job, children, or sick and old, or pregnant like me! Not everyone has the time and opportunity to go several times to the bank.
18.08.2015 16:42
Dear Customer!
Thank you for contacting the Bank. It is very important for us to know your opinion, as it allows us to optimize the work of the Bank.
According to the results of the audit, the error of the office employee was confirmed. On behalf of the Bank, let me offer you my sincere apologies for the situation and the inconvenience caused. The information was brought to the attention of the management of the NGO "Irkutsk Trakt" in order to take measures to improve the quality of customer service, explanatory work was carried out with the employee.
We hope for your understanding and continued cooperation.
Sincerely, Promsvyazbank.
Dear Buyana Andreevna, Your complaint has been sent to the bank.
Complaint / Sender identified / Checking
Blocked cardsOn August 11, 2015, without warning and justified reasons, I was blocked by all the card account of an individual. Calling the Call Center to find out the reason, I was advised to contact the service department. Arriving at the branch of Dolgorukovskoye, the employees refused to provide me with information in writing due to the blocking of the cards, but in words they explained that the bank’s security service (financial monitoring) had blocked the accounts, recognizing card transactions as doubtful. My money was blocked on card accounts, when I asked how I can get my money back, employees force me to write an application for closing card accounts and then I will receive the money only after 45 days, thereby violating Art. 395 of the Civil Code of the Russian Federation ".... Illegal retention and use of funds ..."! They refuse to provide information on blocking in writing, they don’t ask for documents confirming the origin of the money, they illegally withhold and don’t return the money, which caused me great inconvenience and deprived me of my livelihood, since all the money was on the cards and I actively used it and tried my best hold less cash! Due to the current situation, I have been in a stress-depressive state for the second day already, I cannot work normally, I was forced to take time off from work at my own expense, and therefore I suffer losses both materially and morally!
Guided by Art. 4 of the Federal Law "On the Protection of Consumer Rights" and Art. 395 of the Civil Code of the Russian Federation I demand: 1. Until August 14, 2015, I demand to return to me the funds blocked on my card accounts as illegally withheld; 2. Make a recalculation of the commission for annual maintenance and SMS informing on cards, for billing period, because the service was not rendered in full, and refund me the difference in the cost of the services not rendered to me; 3. Immediately pay interest for the illegal use of other people's money in accordance with Art. 395 of the Civil Code of the Russian Federation in the amount corresponding to the estimated amount on the day of reimbursement of fixed assets; 4. Immediately notify me of the decisions made in relation to the above requirements by phone, as well as in writing at the branch of Dolgorukovskoye DO serving me. In case of non-fulfillment of the above requirements or evasion from their fulfillment within the time limits established by law, I will be forced to apply to the court for the protection of my rights and legitimate interests with a claim against your organization “for compensation for material damage, forfeit, compensation for moral damage and penalties for non-compliance with voluntary meeting the requirements of the consumer, as well as other costs. This request will also be sent to the online reception. Central Bank RF and Rospotrebnadzor!
08/12/2015 21:42 / Alexander Comments: 2
Dear Customer!
Thank you for your feedback and we will respond.
In accordance with the Rules for Issuing and Servicing International Bank Cards (hereinafter referred to as the "Rules"), the Bank has the right to refuse the Client (Representative) to conduct operations on the account, as well as to block the operation of the bank card without notifying the Client. According to the terms of the Rules, the agreement may be terminated unilaterally out of court at the initiative of the Bank or the Client. By signing the application forms for issuing cards, you have confirmed that you are familiar with these Rules and agree.
When contacting the Bank's office, you were provided with explanations about the reasons for blocking the cards. To receive funds and fill out applications for closing an account, you need to contact the Bank's office. We ask you to specify the address of the office to which you will apply, and the date of application, we will inform the office staff about your visit. Please send the data with a link to your feedback to the Bank's email address [email protected].
Sincerely, Promsvyazbank.
Dear Alexander Anatolyevich, Your complaint has been sent to the bank.
Complaint / Sender identified / Processed
Phone spamI am the owner salary card. They constantly call with an offer to take a loan, apply for a credit card, or just find out about new services. It is impossible to refuse - each time they report that they removed me from the call base and a month later everything starts again. I wrote a complaint both at the branch of the bank and through the website.
Stop calling me!
07/30/2015 15:57 / Roman Comments: 2
Dear Customer!
Thank you for your feedback.
Formed for you from the Bank turnkey solution on consumer credit, calls were made to inform about this offer.
Based on your request, the necessary measures have been taken, calls from the Bank in order to promote products and services will not be received in the future.
We apologize for any inconvenience.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Roman Evgenievich, Your complaint has been sent to the bank.
Complaint / Sender identified / Checking
Pointless callsIn October 2014, I took out a loan from Promsvyazbank. For the last two months I have not been able to repay the loan due to the fact that it was reduced. AT contact information When I applied for a loan, I indicated the contact details of my parents (4162) 52-**-79. I haven’t lived at the place of residence of my parents for a long time, we stopped communicating due to personal circumstances, I only have registration at this address, but I know that they receive daily calls to the above phone to find me (the debtor), despite the fact that I answer the phone and do not hide from the bank, explaining the circumstances of the payment arrears. As an employee of the bank, whose name I did not have time to write down, explained, calls to my parents will come even if I do not hide and answer the phone in order to put pressure on me and stimulate me, which I consider unacceptable, since the pressure is not on me, but on strangers which have nothing to do with the loan agreement. I myself am responsible for the loan and I will definitely pay off all my debts to the bank.
Based on the foregoing, I ask you to exclude the telephone number (4162) 52-**-79 from calling the Promsvyazbank debt management service, since the expediency of calling to given number is in the nature of moral pressure on strangers, which is, in my opinion, unacceptable if we talk within the legal framework. I myself am always in touch and do not hide from the bank.
07/23/2015 04:41 / Arseniy
Hello!
In response, we would like to clarify that in the event of an overdue debt, all numbers indicated in the questionnaire when applying for a loan are informed about its occurrence in order to timely repay and fulfill obligations under the contract.
The bank is ready to exclude the phone number you specified. To do this, you need to contact any branch of our Bank and fill out a written application.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Arseniy Eduardovich, Your complaint has been sent to the bank.
Complaint / Sender identified / Processed
A complaintOn September 11, 2014, I, Yudina Anastasia Alexandrovna, turned to the notary I.B. Tsikunova to make an inquiry on the state of the currency account of my mother, who died on January 08, 2009. Before her death, she said that about 250 US dollars remained on her account with OAO Volgoprombank, which, after the merger, were redirected to OAO Promsvyazbank. On September 17, 2014, in response to a query, it was reported that open accounts in the name of my mother, Yudina Olga Leonidovna, the Law Firm of Promsvyazbank OJSC is not available. On September 22, with a photocopy of this letter, I personally went to the bank with the original contract bank deposit(in foreign currency ) No. 214 opened in Volgoprombank OJSC dated October 1, 1999. After a long wait, the account was found and asked to send a second letter with a request from the notary. The notary sent a second letter, to which the same answer came that there was no such account. Once again I went to the bank to look for an account. The account was found, but they said that without the notary's certification, they could not give me any information. I explained that a notary is not authorized to issue a will when answers come from the bank that there are no open accounts. That day, I was told that my account balance was $55.50. Since the amount of the balance did not correspond to the amount declared by my mother, I asked to know the statement of the last transfers on the account. I was advised to apply for a statement for the entire time of maintaining the account, which I did. I did not receive the statement, but I received a phone call informing me that the amount transferred from Volgoprombank OJSC was 55.50 USD, i.е. the amount currently in the bank account. On June 23, 2015, I again wrote a request for an extract, to which I did not receive a response. Having applied to the bank on July 17th and asked about the statement, at first I received an answer that the statement was not given on the grounds that the request was not notarized. To which I asked why I wrote the two previous statements asking for an extract, if you claim that it needs to be notarized, besides, why do I need a notarized permission now if I have already entered into an inheritance? (Article 1110 of the Civil Code of the Russian Federation 1. Upon inheritance, the property of the deceased (inheritance, hereditary property) passes to other persons in the order of universal succession, that is, in an unchanged form as a whole and at the same moment, unless otherwise follows from the rules of this Code .) After consulting a bank employee with another employee and printing out the statements that were available from the moment the bank was merged, I was told that it was impossible to provide statements from Volgoprombank OJSC. After reviewing the statements, I noticed that since the bank was joined, interest on the “on demand” deposit with an interest rate of 0.01% has not been accrued. As explained to me in the bank, the reason for which interest was not charged is that the deposit opener did not apply to the bank after it was connected. I consider this answer unreasonable, since the letter that was received in 2010 clearly states (hereinafter verbatim): “... We will do our best to make the process of joining OJSC JSCB Volgoprombank to OJSC Promsvyazbank as comfortable as possible. All valid contracts and terms of service at OJSC AKB Volgoprombank after connection to OJSC Promsvyazbank will be preserved. Only your account number and bank details will change…”. In addition, according to the Civil Code of the Russian Federation, the obligation to accrue interest does not end with death. Article 834 1. Under a bank deposit (deposit) agreement, one party (bank), which has accepted the amount of money (deposit) received from the other party (depositor) or received for it, undertakes to return the deposit amount and pay interest on it on the terms and in the manner stipulated by the agreement. Article 839 Interest on the amount of a bank deposit is accrued from the day following the day of its receipt by the bank, until the day it is returned to the depositor, inclusive, and if it is debited from the depositor's account for other reasons, until the day of debiting, inclusive. Article 382 1. A right (claim) belonging to a creditor on the basis of an obligation may be transferred by him to another person under a transaction (assignment of a claim) or transferred to another person on the basis of a law. Article 383. Rights that cannot be transferred to other persons. The transfer to another person of rights inextricably linked with the personality of the creditor, in particular claims for alimony and for compensation for harm caused to life or health, is not allowed. Article 384 Unless otherwise provided by law or the agreement, the right of the original creditor shall pass to the new creditor to the extent and on the terms that existed at the time of transfer of the right. In particular, the rights securing the performance of the obligation, as well as other rights related to the claim, including the right to unpaid interest, are transferred to the new creditor.
In connection with the foregoing, I ask you to provide me with an extract from the beginning of maintaining an account with JSCB Volgoprombank and accrue interest on the “On Demand” deposit from the moment they stop paying.
22.07.2015 16:50 / Anastasia Comments: 3
Dear Anastasia Alexandrovna!
We apologize for the long wait for a response.
According to the results of the audit, it was established that interest was not charged on the account of the "demand" deposit account due to a technical error. At the moment, the error has been eliminated, the Bank has made additional accrual of interest.
You can contact the Bank's office to obtain the necessary account statements.
We apologize for any inconvenience caused.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Anastasia Alexandrovna, Your complaint has been sent to the bank.
Complaint / Sender identified / Checking
A complaintHello. I am a client of Prosvyazbank. Previously, she was a paycheck. I have 3 loans. I always paid on time, only once I overdue 1 day, and then because the money was credited the next day. When I took loans, my salary was 28-35 thousand rubles. Now the production has closed and I had to go to another job and get 12 thousand rubles. I went, I have a child 3.5 years old, no husband. I am a single mother. I asked the bank to re-read one loan and pay 2000 instead of 3800, at least for a year. Correspondingly, the term of the loan increases. I agreed to everything, but I was refused 2 times. I don’t know what to do, earning 12 thousand rubles and paying 7200 for loans, having a child. I do not refuse to pay, I ask you to re-read a little. Please help!
22.07.2015 14:50 / svetlana
Hello!
Unfortunately, at the moment the Bank is not ready to change the terms of repayment under the loan agreement.
Let me note: providing options to mitigate the financial burden of paying a loan is the right of the Bank, but not an obligation. The Bank has the right not to report information on the reasons for refusal to change the terms of payment of the debt on the loan.
Hope for your understanding.
Sincerely, Promsvyazbank.
Dear Svetlana Nikolaevna, Your complaint has been sent to the bank.
Complaint / Sender identified / Processed
Calls to wife's employerI am a bank customer. Loan without guarantors and collateral. At the moment there are difficulties with repayment of the loan (I write honestly). After numerous conversations with the operators of the debt department, your employees also began to call and disturb the wife's employer, claiming that I indicated this number as home (nonsense, a copy of the questionnaire and contract on hand). The wife works in the state. structure supervised by the secret service. During a conversation, your employee behaves rudely, tactlessly, does not observe corporate etiquette (thus belittling the organization he represents), threatens. With a legitimate and logical answer, every minute ringing begins. When you try to switch to an employee of the SSB, they hang up. Each time they tried to clarify the name of the caller (s), and the actual address of the work to send correspondence to the employee or his manager - the result of rudeness and hysteria. In addition, the phone number 8968404 ** 68 (which your employee allegedly gave) was seized by the security service of the wife's employer for verification. I apologize for the "confusion" of the text.
I have a request to stop calling and remove the numbers 8 495 400 ** 28 (8 495 400 ** 63, 8 495 400 ** 24) from the call base. All existing claims can be settled in accordance with the Code of Civil Procedure of the Russian Federation, and no longer violate the following laws in relation to the wife: Article 137 of the Criminal Code of the Russian Federation, Article 129 of the Criminal Code of the Russian Federation, Art. 857 of the Civil Code of the Russian Federation, Federal Law 152 "On Personal Data", Part 2 of Article 183 of the Criminal Code of the Russian Federation, Federal Law "On Banks and banking"No. 395-1, Art. 330 of the Criminal Code of the Russian Federation, Art. 163 of the Criminal Code of the Russian Federation. At the moment there is an extract from the operator telephone connection about time/date and number of calls. Hope the complaints this resource will be enough not to involve the Central Bank, etc. If I'm wrong about something, I apologize and ask for clarification. Thanks for understanding.
16.07.2015 16:11 / Azat
Dear Customer!
Thank you for your feedback.
Based on your request, measures have been taken, calls from the Bank to the phone numbers you specified will not be received in the future. We apologize for any inconvenience caused.
Sincerely, Promsvyazbank.
Dear Azat Iskandarovich, Your complaint has been sent to the bank.
Complaint / Sender not identified / Checking
The ATM did not dispense money, but it was debited from the balanceHello. 07/12/2015, at about 19:00 Moscow time, Sterlitamak, Kommunistichekaya, 50, shopping center "Kristina", I tried to withdraw cash from the MasterCard card of the Neteller payment system in the amount of 40,000 rubles, after confirming the transaction, the ATM strangely approximately 30 sec. he counted the banknotes, making sounds that were not typical for such a manipulation. As a result, he returned the card, without issuing either money or a check, information appeared on the screen that the ATM was temporarily not servicing for those. reasons. The amount was deducted from the card balance, i.e. blocked. On the Promsvyazbank hotline, they advised me to contact my bank, they refused to accept the claim. AT payment system Neteller was told that the transaction was blocked and they can do nothing until they receive a decision from Promsvyazbank on this transaction, only if confirmed they will be able to accept a claim to challenge this transaction, or in case of cancellation the balance will be returned to the account. They can’t say anything over the phone at the PSB support service, they can’t even look at my transaction, whether it was a technical failure or something else, there is only one advice - contact your bank. How to be? When will the BIS give a decision on this transaction for processing? And what will it be, how long can it all drag on? The money was planned for a vacation, but now I don’t even know what to do :(
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I received a call from Promsvyazbank and was told that a loan of 100,000 was approved for you. But first you need to pay a commission of 3400 rubles. But later they called, they said that they still need to pay 13,400 rubles for insurance. Referring to the fact that the Central Bank blocked the account and after payment, you will receive money in the amount of 113,400 rubles. Is it a divorce or not. So that is the data, their cards and a cell number.
Good afternoon. In order to accurately answer your question and help you need to know the details. How did you find this bank?
Don't even hesitate. - these are scammers ... a loan needs to be issued at a bank and you should be given money, and not you should pay something there ...
My name is Kirill. I came to Promsvyazbank to take a cash loan. The loan officer offered a loan at 13.4%. Three days later they called from the bank, they said that they made a mistake and accidentally issued a loan at 17.9%. And I had already spent the money. The bank offered to either return the money and reconsider the rate, or draw up a New contract at 17.9%. This did not suit me. Now, in fact, I have a contract for 13.4% in my hands, and they have 17.9% in their computer, I did not sign a new contract for 17.9%! What to do? Help!
Hello, dear site visitor, do not go to the bank, you have loan agreement and let them not be wise! A new contract, you definitely don't need it! Good luck and all the best, with respect lawyer Ligostaeva A.V.
There is no new contract because you have not signed it. Fulfill your obligations under the contract. Sincerely, Financial Attorney - Stepanov Vadim Igorevich.
I took a loan from Promsvyazbank, paid according to the schedule, but one day the office of Promsvyazbank was closed. Stopped paying. After a long time, a letter came from the Deposit Insurance Agency about the debt on the loan and the penalty for delay. How to be and what to do if it is not immediately possible to pay the entire amount.
First you need to answer the Agency and ask to reduce fines, penalties, interest for the period from the moment the Bank was closed. Waiting for a court summons. In court, all sanctions are reduced to a minimum, the main debt will have to be paid. There is experience.
The husband took a loan of 700 tr. and they imposed insurance of 79 tr on him. "Promsvyazbank" was told that upon full repayment, all insurance would be returned after 5 years, but it turned out, taking into account insurance, not 700 tr. and minus 79, can I return this insurance within 2 weeks? My husband was told if without insurance, then the amount is less, but it actually came out less, not 700 tr?
Good afternoon, today all banks impose insurance, despite the fact that insurance is a voluntary matter. However, in fact, the loan agreement prescribes a condition that if the client refuses to conclude an insurance agreement, then the interest rate increases or other conditions. You need to carefully read the terms and conditions of the contract before terminating the insurance contract. Good luck.
From January 1, 2018, changes will come into force, according to which the "cooling off period" in insurance will increase from 5 business days to 14 calendar days. This means that from now on, a citizen will have two weeks to think and refuse imposed or unnecessary insurance by submitting an application to his insurance company.
Yes, I took a loan and paid with insurance, then the next day I refused insurance and the money was returned to me in the insurance after 2 weeks and the interest rate remained the same.
How to draw up an application correctly PJSC Promsvyazbank took a loan earlier, due to the difficult situation, loan payments were overdue. Then the bank sued statement of claim and on the basis of a judgment enforcement proceedings No. 12676/17/61032 - IP dated 03/21/2017, the Fed banned the registration of a transaction aimed at alienation. On December 13, 2017, a settlement agreement was concluded with the bank on the uniform and timely repayment of the debt under the loan agreement.
I ask you to cancel the Federal Reserve’s ban on registering a transaction aimed at alienating No. 12676/17/61032 - IP dated 03/21/2017
Hello. An agreement is an agreement between two or more persons to establish, change or terminate civil rights and responsibilities. The bank must apply to the FSSP and cancel the IP Resolutions.
I have a loan from Promsvyazbank. She didn't pay for being unemployed. According to the court, they were ordered to pay 91 thousand rubles. Can I file for bankruptcy?
Good afternoon! If this is your only creditor and you have no more debts, then bankruptcy is not appropriate for you, because the costs of it will significantly exceed the debt itself. State duty - 300 rubles, payment for financial services. manager - 25,000 rubles. (this is according to the law, in fact they still require remuneration), publication in the Kommersant newspaper - 10,000 rubles, publication on the ESB website - 500 rubles. /each (minimum 3 publications), plus postage, reference requests (some chargeable)
Hello Daria. According to Art. 213.3 of the Law "On Insolvency (Bankruptcy)", Article 213.3. Initiation of proceedings in the bankruptcy case of a citizen (introduced federal law dated 29.06.2015 N 154-FZ) 1. A citizen, a bankruptcy creditor, an authorized body have the right to apply to an arbitration court with an application for declaring a citizen bankrupt. 2. An application for declaring a citizen bankrupt is accepted arbitration court provided that requirements for a citizen are not less than five hundred thousand rubles and the specified requirements are not fulfilled within three months from the date when they must be fulfilled, unless otherwise provided by this Federal Law. In accordance with paragraph 2 of Art. 213.4 of the above law 2. A citizen has the right to file an application with an arbitration court for declaring him bankrupt in the event of foreseeing bankruptcy in the presence of circumstances that clearly indicate that he is unable to fulfill monetary obligations and (or) the obligation to pay mandatory payments on time, at the same time, the citizen meets the signs of insolvency and (or) signs of insufficiency of property. , Te. The amount of debt may be less, but the courts, as a rule, refuse if the amount of debt is less than 500 thousand. Try but you don't have enough debt ((((
Hello. In accordance with the Federal Law "On Insolvency (Bankruptcy)", an application for declaring a citizen bankrupt is accepted by an arbitration court, provided that the requirements for the citizen are at least 500 thousand rubles and these requirements are not fulfilled within three months. So you have no reason to make such a claim. In particular, the bankruptcy procedure also needs to be financed, and these are considerable expenses.
I have not paid off a loan of about 700 thousand for 1.5 years (Promsvyazbank, paid regularly for 1.5 years), and 2 cards for 15 thousand (Sberbank) and 20 thousand (Alfa Bank). Now I would like to buy a house and deposit an initial fee maternity capital, a husband to take a co-borrower, but a mortgage hangs on it (in which the ex-wife lives in an apartment) and pays a loan after the court (VTB), can I approve a mortgage? With our debts, I had no courts, I am not listed in the FSSP.
Julia, it is impossible to answer your question, since the conditions for granting a loan against MC funds are determined by the bank itself, in your case they may refuse, alas.
Hello, I have not paid a loan of about 700 thousand for 1.5 years (Promsvyazbank, paid regularly for 1.5 years), and 2 cards for 15 thousand (Sberbank) and 20 thousand (Alfa Bank). Now I would like to buy a house, and make an initial contribution of maternity capital, take my husband a co-borrower, but it has a mortgage (in which the ex-wife lives in an apartment) and pays a loan after the court (VTB), can I approve a mortgage? With our debts, I had no courts, I am not listed in the FSSP. You need to find out this information directly at the branch of the bank where you plan to apply for a mortgage. You can fill out a preliminary application online and you will be given an answer. Good luck and all the best.
Promsvyazbank filed a lawsuit against unpaid loan. But we have never dealt with this bank, it does not exist in our city. The amount is not small. How now to prove that this is not mine and whether it is possible to apply any claims to the bank for false information. Thank you.
Hello! First you need to look at the documents. If someone, according to your passport data, took a loan, and you did not know about it, then you should contact the police.
Dear Galina! It is necessary to study all the documents that the bank submits to the court in support of its claims, and if there is falsification, then it would be advisable for you to file an application for fraudulent actions of unidentified persons.
Hello, go to court and look at the documents that the bank provided, if you see fake documents there - file an application for falsification, if there are no documents, then demand that the bank submit a loan agreement.
If you didn't, then why is the lawsuit brought against you? Find out what legal grounds to demand from you the amount of the debt. Maybe he is the assignee of another bank in which you took a loan. In any case, when filing a claim in court, the plaintiff provides documents that you have the right to familiarize yourself with, and you have the right to write objections to the statement of claim.
I got into a very difficult situation. There is a loan from Promsvyazbank 700,000 rubles. I paid normally for a whole year, but now I have lost my job. And I can't find another job right now. She has a 4 year old daughter and a 75 year old mother. A very hopeless situation. What should I do now? Loan to pay another 6 years. Monthly 33000 rub. Help me please.
We have all of Russia in loans. If you can't, don't pay. Let the bank sue. The amount owed will be fixed in court. Ask to reduce penalties and fines under Article 333 of the Civil Code of the Russian Federation. Bailiffs will not take away the only housing.
They applied for a loan to Promsvyazbank, where I receive a salary, approved 344,000 tr, but they gave 290,000, and the rest of the money was written off allegedly for insurance, is all this legal? the documents say that the loan amount is 344,000 net, what to do and how to get the full amount.
Money for insurance can be returned if the application period has not been missed, for a refund it is necessary to urgently submit a written request based on the norms of the Civil Code, when did you apply for a loan?
Promsvyazbank took a loan in the fall of 2014 in the amount of about 100 thousand rubles, from the bottom about 12 thousand rubles - insurance. Can you please tell me if I can cancel the insurance and get my money back?
You need to read the documents to give you an answer.
I have a credit card for 90 thousand rubles. Bank Promsvyazbank, on September 4 (I spent 30 thousand), the bank itself blocked my card as debits in US dollars began before clarification, the remaining 60 thousand were debited first and then with the blocked cards with credit limit 90 thousand rubles. For almost 2 months, purchases in US dollars were made for almost 900 thousand rubles. In short, the fact of fraud has been established., Not my fault, BUT
Until December 28, I ran endlessly to the bank, wrote various applications, continued to receive SMS informing about the requirement to pay off a million-dollar debt., Calls about the same requirements. sleepless nights, tears, a bunch of nerves. The result is that due to the imperfection of the payment systems, the money was returned to the bank, my debts were written off by December 28. The bank did not give me any official answer about the ongoing actions, nothing. Now they put up a demand to pay me 1500 rubles, I ask, for what, according to my calculations, I don’t owe anything. I paid 30 thousand in January, a month later it’s already 1600 and they ask me to pay better and wait for the calculation, what is this money for. I made a deposit, almost a month passed, no answer, and even more so there is no settlement from the bank. Employees make a helpless gesture, they say, Moscow is silent, considers. I don't mind if I have to, but show me the calculation. I want to write a complaint to the prosecutor's office, but there are some deadlines, and for the utter inaction of employees. How to arrange correctly.
G. Blagoveshchensk, Androsova.
Hello. Contact the bank in writing with a request to provide clarification about the current situation with your loan. All applications must be submitted to the bank in two copies. You give the second copy of each application to the bank employee to mark the receipt of a copy of the application indicating the position, full name, signature and the employee who accepted the application and the date of acceptance. Expect answers. If the bank remains silent for a long time, you have the right to apply to the court with a statement of claim for the protection of consumer rights, such a claim (with a claim amount of up to 1 million rubles) is not subject to state duty. All of the above also does not exclude your right to simultaneously file a complaint with Rospotrebnadzor, as well as central bank RF.
There is a loan in Promsvyazbank, there are delays. The other day, Promsvyazbank withdrew 97,000 rubles from my Sberbank card (it was someone else's money transferred to my card). Does the bank have this right?
Good afternoon! no, without a court decision, they had no right to remove anything.
I applied to Promsvyazbank for a consumer loan at 16.5% per annum. I asked for a loan of 500,000 rubles, but when the bank approved it, it turned out that I would receive only 445,000 of this amount, and the bank would take 55,000 rubles for insurance. According to the payment schedule, I have to pay interest on the entire amount of 500,000 rubles.
The actions of the bank are illegal in Krasnoyarsk there is a public organization for the protection of consumer rights, which provides free services, including in connection with the violation of consumer rights by banks, you can apply there for legal assistance
Natalya Pavlovna, in this case the Bank is acting unlawfully. Contact us and we will help you get your money back. Contact phone 293-67-20
In 2009, at the request of a relative, she took out a loan from Promsvyazbank to purchase vehicle. A relative undertook to pay, but in the end the debts hung on me. Is it possible to renew the contract in the name of a relative, if he agrees.
It's all at the discretion of the bank. It is unlikely that the bank will go for it.
My sister does not pay a loan at Promsvyazbank, they call me every day 5 times for sure. What should I do? I have no connection with my sister, but she is registered with me, what can this threaten me with?
in the event that the bank sues your sister and subsequently receives writ of execution and presenting it for enforcement to the FSSP. SPs can come to the place of registration and describe the property. In the future, you will prove in court that the said property belongs to you. You need to legally discharge your sister to avoid any problems.
Olga Sergeevna, you need to explain that, in fact, your sister lives in a different place, where exactly you do not know, since there is no connection. In general, of course, the bailiffs have to come to the address of the sister's registration, since this information is contained in the writ of execution and even this is their duty to come and collect debts. BUT, if there is no property where she is registered, then the bailiffs do not have the right to describe it. However, the owners of such property, that is, you need to prove (checks, receipts, invoices, etc.) that it belongs to you and not to her. If all the same it happens, and the bailiffs come and describe something, then you can file a claim for the release of property from arrest
The day before yesterday I issued a loan in the amount of 750,000 rubles (Promsvyazbank). But, as it turned out, it turned out to be unnecessary for many reasons. Is there any way to opt out of it? That is, just give back the money. Not a penny was used. At the moment, the funds are on the card that was received at the bank. Thanks in advance.
Good afternoon, Roman! Yes, you can repay any loan ahead of schedule - contact the bank.
I took a loan in 2011 Promsvyazbank paid regularly for 3 years until 2013, then I lost my job already more than a year I don’t pay the balance was not large 80,000 r, I didn’t receive any notifications, recently I received a letter from a collection company, the debt became 235,000 r, they threaten to sue. I heard that if they sue, then I have to pay only the main debt without penalty. Is this correct, and what can be done to somehow write off part of it, not pay the entire debt.
This is not entirely true. However, you can apply to the court for a reduction in the amount of the penalty. How much the court will reduce it is up to the court to decide. No one will release you from the payment of interest, the principal debt, and their size will not be reduced to you.
You will need to hire a lawyer if you are sued for the threats of debt collectors do not fall for whatever they are. In court, with an experienced lawyer, you can remove penalties and even part of the interest. Good luck to you!
I took a loan from Promsvyazbank for 5 years. Paid for 3 months, can I return the insurance?
Natalia, in order to return the insurance, you need to go to court with the appropriate claim. In accordance with the terms of the agreement, the loan was provided to you subject to the conclusion by the borrowers of a life insurance agreement, which is unacceptable and contrary to the law on the protection of consumer rights. According to paragraph 2 of Art. 16 Law Russian Federation"On the Protection of Consumer Rights" it is prohibited to condition the purchase of certain goods (works, services) on the obligatory purchase of other goods (works, services). Losses caused to the consumer as a result of violation of his right to free choice of goods (works, services) are reimbursed by the seller (executor) in full. If you need help in filing a claim, send a scanned copy to the email. the address of the life insurance contract, we will draw up everything, there is experience and practice in such cases. You are exempt from state duty, the claim is filed at your place of residence. Law Natalia, on your side. Tel. +7 953 792 47 57.
My name is Vyacheslav! On July 15, 2013, he took a loan from Promsvyazbank in the amount of 163,000 tr. I submitted an application without insurance after the loan was approved, I was told that the loan includes life insurance and I had to immediately pay 17645 tr out of the amount of 163,000 for insurance in my hands, I received 145,000 tr! money appeared 07/18/2013 I will close ahead of schedule the entire amount of the debt! How can I get my insurance back?
Vyacheslav, study the loan agreement and you will find out on what conditions you were given a loan, is it possible to return the insurance? You need to look at the documents, so you won't say anything.
Vyacheslav, if consumer credit, then insurance is a service imposed on you. Write a claim for termination of the insurance contract and the return of the amount paid. They will not return - with a statement of claim to the court.
I took a loan from a bank (PromSvyazBank), at 19% per annum. Monthly payment it turned out 11648 rubles.
But on the printout of writing off the credit, I see that from each amount, an amount in the region of 4-5 thousand rubles (which is far from 19 percent) is taken into account to repay the credit, the rest of the payment is called the amount of interest. As a result, it turned out that in a year I returned only 57 thousand rubles of the loan, although I thought that it should be about 100 thousand rubles.
Is it possible to force the bank to reconsider the method of debiting money?
You need to look at the contract. The bank accrues interest on the loan in accordance with the Regulations of the Central Bank of the Russian Federation. Without documents, the conversation is devoid of subject matter.
Yes, Timur, the bank is deceiving you. This is their usual behavior. Deception must be fought.
Hello! Since you raise the question - to revise the method of writing off interest, these are changes in the terms of the contract. This issue can be resolved (in the absence of the consent of the bank, and its consent will not be) only in court. You need to go to court - otherwise you will pay interest that you do not understand.
Question: In 2008, I took a loan from Promsvyazbank for 25,000 thousand rubles. I paid, but made a mistake in the delay for 2 days, a fine went, the Russian Debt Corporation took a loan, paid 14,000 thousand rubles to the bank, 31,000 thousand rubles to collectors, last payment produced in March 2010 Goa, but they again calculated the penalty, and at the moment they demand 75,000 thousand rubles, they didn’t give any receipts! But they keep asking for more money! What to do and how to be?
Inna, suggest that the collectors go to court, and there it will be possible to file a claim for a reduction in the penalty.
I took a loan from KrasBank, then the rights under the loan were transferred to PromSvyazBank, 2 months left until the end of the payment on the loan, since mid-April I have been calling every day from the head bank (as they say) representatives (phone number is not determined) and voiced different terms (from 32 to 362 days) of delay on the loan, the amounts also range from 5362 rubles. up to 36752 rubles.
Tell me how to write a letter to the bank correctly in order to get a complete transcript of the crediting of the amounts I paid.
In any form, in simple Russian. outlining your requirements to the bank.
In May 2008, he took a cash loan from Promsvyazbank in the amount of 25,000 for a year. According to the agreement, the total cost of the loan was 30,000. In December 2008, he lost his job. Paid up to this point 9000. In February, they called from the bank with questions, explained the situation, promised to wait. In April 2009, he paid 25,000 and considered that he had paid off the bank. After that, until September 2010, there were no calls. At the end of September, they called from the bank and said that I owe them 22,000 and they are transferring my case to a collection agency. They refused to answer my questions about where the amounts came from. In early October, calls began from Sequoia (for some reason, from Omsk). I went to the bank, took a statement from the account and sent it to them, they did not calm down and continue to call with threats of a lawsuit. QUESTION: What should I do in this situation?
Alexey, good evening! Tell me, what was on the bank statement? According to her, do you owe money to the bank or is there a repaid loan? You can write to [email protected] we will try to help you. Sincerely, Natalia.
Hello Alexey, one thing is clear in your story, that according to the bank statement you have no current debts for the above loan, this means you need to clarify the full details of the agency calling you and write an application to the bank and to the police department, while you can tell about your actions warn those who call you. Judging by the way YOU describe them, it looks more like "jokers", while it was very strange to take a loan in Moscow, and a company from OMSK is calling Respectfully, Dmitry write [email protected]
In December 2007, I took a loan from Promsvyazbank in the amount of 300,000 thousand rubles, until June 2009 I paid everything on time, but then, due to the "crisis", payments were delayed and at the moment the delay on the loan is 255 days and, accordingly, an overdue debt of 11,000 thousand rubles. The bank threatens me with a collection office, but I do not refuse to pay, it's just that the amount of my monthly payment is 7,800 thousand rubles, and I pay 4-5 thousand rubles each. What should I do and should I contact the prosecutor's office? Sincerely, Ines.
Dear Inessa, you need to apply to the bank with an application for debt restructuring due to good reasons: a decrease in income and the presence of dependent minor children, for example, etc. And offer your option to pay the loan. The bank may refuse to carry out the restructuring, and you may apply to the court. As for the collection agency, do not be afraid, they act on the basis of an agreement with the bank, however, you owe not to the agency, but to the bank, therefore, if the agency does not redeem your debt, then talking to them or not, this is purely your personal desire. I advise everyone to send collectors to hell. You can not talk to them and you will not get anything for it. Moreover, the agencies use methods of mental violence, so you can file a complaint with the same prosecutor's office if they start to put pressure on you.
Inessa, the bank can recover funds from you either in a claim procedure or in court. The activities of collectors in the Russian Federation are not regulated in any way, the bank can involve them under an agreement (for example, the provision of services) or "sell" your debt to them. In the first case, you can safely ignore their demands (you can record threats over the phone on a voice recorder and use it as evidence (although, most likely, there are no threats to your life and health in the conversation)), and in the latter they have the right to demand from you payment of the debt only subject to proper notification of the transfer of the debt and the provision of all supporting documents. The situation becomes more complicated if the loan is secured by collateral or a guarantee.
Such a question: my mother died a year ago, she still had a credit card in Promsvyazbank 30 tr. Five days after my death, I delivered a death certificate to the bank. A month later, I received an invoice-certificate for this loan that you need to pay. I contacted the bank's lawyer again, he said that he would sort it out. Two days later he called back and said that the debt was cancelled. A month later, a certificate came again with a delay and interest, I called the lawyer, he replied that they had not canceled anything. A year has passed, and interest is dripping (already 80 tr) The inheritance was accepted with his brother in half (house). Question: is it lawful for the bank to charge interest and penalties, and are we obliged to pay this loan? I did not find the contract, but as far as I remember, my mother paid some money, I think for insurance. She received the card from them at the office. Can I ask to see this contract? As far as I understand, this insurance is just for such cases!
Sincerely, Timur
As a rule, banks are insured against such risks, and in the event of the death of the borrower Insurance Company pays the bank all due money. You need to ask to see private matter mother, where there will be not only a loan agreement, but also a number of other documents. As far as I know (my friend was previously credited in this bank), the insurance service is a voluntary service in this bank. Look for checks of payment for a loan, look for an agreement !!! If insurance is not included, then you and your brother will have to pay the loan, since the heirs inherit not only the rights to property, but also the obligations of the deceased.
My mother used a credit card (PromSvyazBank), but she died in February of this year. The loan debt in the amount of 30 thousand remained. I provided the bank with a certificate of death (I heard that some banks cancel the debt in the event of a sudden death of the borrower). I was told that they would consult and inform me. Now they are demanding to pay off the debt with the accrued interest. (+30 thousand) Is the bank's demand legal and do they have the right to charge interest in this case?
Thanks in advance.
Sincerely, Timofey.
Dear Timothy, hello! The bank's demands are not based on the law, they are based only on the "bare" desire to return the money at any cost. Death cancels all debts. Of course, if you inherited after your mother, then only then, along with the inheritance, her debts will also be transferred to you, but the bank itself is unlikely to find out about this, unless of course you yourself wish it.
In anticipation of the recording. I would be grateful to friends and readers who find it possible to place a link to this entry in their journals, hashtags #Promsvyazbank #psb
I continue the presentation of the characters of the panopticon. The whole evening at the arena, the prophet and master of extortion - an employee of the Department for Work with Debts of OJSC Promsvyazbank Kosarev Sergey Alexandrovich (the call was recorded on 03.12.2014 at 19.54 Moscow time).
Kosarev Sergey Alexandrovich is a futurologist and extortionist of the highest category. If you need to know the outcome judicial trial, then call him at +7499272067. True, Kosarev Sergey Alexandrovich, as a predictor, has one unpleasant trait: if you ask him what the outcome of your financial dispute will be in court, then he will predict exorbitant legal costs and your inevitable loss in court with the aplomb of a true prophet. process. The explanation of why the case will be lost by you, he will savor for a long time with many details, convincing you of the absurdity of your arguments.
And after this prediction, an enchanting performance will await you. Kosarev Sergey Alexandrovich in an insinuating unctuous voice will begin to extort money from you. At these moments, you need to keep your eyes open and remember that, according to current legislation, only bailiffs can demand money and only on the basis of a writ of execution, all other actions are classified as extortion.
Everything written above. The call was made by Sergey Alexandrovich Kosarev on mobile phone my wife. I did not receive an intelligible answer to the question of why Sergey Alexandrovich Kosarev is calling a phone number that does not belong to me. As a born brilliant extortionist, he avoided a direct answer.
For a long time already I had six questions to the leaders of Promsvyazbank OJSC. And today, since the representative of Promsvyazbank OJSC himself Alexey Kyshtymov, who is responsible for processing reviews in social networks, deigned to get in touch with me, then let him personally answer the questions below, straightforwardly and without equivocation. Although I assume with absolute certainty that these questions will remain unanswered, because it is not in the tradition of Promsvyazbank to answer the questions and claims of its customers, especially publicly.
1. I do not agree with the claims of Promsvyazbank OJSC, since the bank incriminates me financial transaction did not commit, repeatedly stated this in his written and oral claims (unfortunately, he did not receive answers because Promsvyazbank OJSC systematically violates the requirement of the Civil Code of the Russian Federation on working with citizens' appeals). From which I conclude: the employees of Promsvyazbank OJSC are engaged in direct monetary extortion. And these extortions are carried out, most likely, by order of the higher management. Am I right on this?
2. In the very first telephone conversation with an employee of the Debt Management Department, I unambiguously stated that I did not agree with the financial claims of Promsvyazbank OJSC. Why immediately, after my first such answer, and on what grounds regulated by the legislation of the Russian Federation, Promsvyazbank OJSC did not file a claim with the court, if the bank really considers its financial claim legitimate?
3. What irrefutable evidence that I (or one of my family members) was I (or one of my family members) of Promsvyazbank OJSC as the beneficiary of the alleged financial transaction can be presented by Promsvyazbank during the trial or before it begins?
4. My own opinion is that after I returned the credit card to Promsvyazbank OJSC on March 20, 2013, any of the bank employees could use the card account for their own selfish purposes. How is my position on this issue worse than the position of Promsvyazbank?
5. On the basis of what law of the Russian Federation do employees of the Department for Work with Debt of Promsvyazbank OJSC threaten and blackmail by transferring the case to some collection agencies?
6. On the basis of what law of the Russian Federation do employees of the Debt Management Department of Promsvyazbank OJSC announce that the future court verdict will be in favor of the bank, thereby discrediting the work of the courts of the Russian Federation and substituting decisions of the courts with the decisions of the Debt Management Department of Promsvyazbank OJSC?
Beginning of cycle Marginal notes about
Promsvyazbank lost 4 billion rubles in loans to Rusprodholding.
After Rusprodholding, the largest confectionery company, lost tens of tons of marshmallows, sweets and other sweets that had to be disposed of, there was nothing to return the four billion loan issued by the PSB. A bad debt can "undermine" the entire Ananyev business empire.
AT banking environment There are rumors that the owners of Promsvyazbank, Alexei and Dmitry Ananiev, are trying to stay afloat by "knocking out" debts from their borrowers. It should be noted that they filed a lawsuit with the Moscow Arbitration against the Svyaznoy group of companies to recover the debt the total amount by 5.99 billion rubles. The billionaire brothers are trying to get hold of the Heliopark Group, owned by Alexander Gusakov and owning twelve hotels. The Ananievs accused Gusakov of stealing a $26 million loan.
Promsvyazbank also wants to declare bankrupt the Peresvet-Invest company, with which financial institution there were partnerships within the framework of the construction of the residential complex "Megapolis" in Novokosino in the east of Moscow, where it was planned to build 1.6 million square meters. m of residential and commercial real estate.
"Minutes of happiness" Ananievs
But until recently, the owners of Promsvyazbank, the brothers Alexei and Dmitry Ananiev, were glad that they were able to get a stake in Vozrozhdenie Bank from the offspring of the deceased founder financial organization Dmitry Orlov. Orlov's son, Nikolai, got rid of 6.7% of the shares that the Ananyevs had in June of this year. Only a financier could be the owner of the entire bank, if not for the actions of Promsvyazbank, Alexei and Dmitry Ananyev.
Analysts believe that a complete takeover of Vozrozhdenie may be relevant for Promsvyazbank in order to maintain the status of a systemically important bank. "Expert RA employee Stanislav Volkov said that Promsvyazbank itself has not been increasing assets lately, but reducing - partly because economic situation has not recovered for active lending, partly due to the fact that growth is constrained by capital requirements, which are always low for Promsvyazbank.
Ananiev brothers
A number of market participants say that the Ananievs are on the verge of bankruptcy, and only an allegedly complete takeover can help the situation. "Confectionery history" can greatly spoil the "climate" of the Ananyevs. But given the intensifying work of the security forces, the Ananyevs' past may also raise questions.
"You won't get far in the carriage of the past"
Let's start with a question of interest to many market participants, how did it happen that Oleg Orlov's shares were not with his relatives, but with the Ananyev brothers? The fact is that the oligarchs, with the help of their bank, were able to win the corporate war with the Orlov family, which owned a 36.7% stake in Vozrozhdeniye Bank. After the death of Dmitry Orlov at the end of 2014, Absolut-Bank, affiliated with government agencies, wanted to buy out his shares. But the Ananievs were able to get ahead of the competitor.
How did it come about? Here we need to remember Alexei Krapivin, who was the "trustee" of a 32.03% stake in Vozrozhdeniye Bank. For starters, after Orlov's death, Krapivina received 5% of the bank's shares as his property. Then he brought his stake to 6.9%. Then it was rumored that Krapivin entered into an agreement with the Ananyevs.
Not without the help of Krapivin, the Ananyevs consolidated Vozrozhdenie's shares. Only now all their efforts were expensive, and in 2016 it turned out that their new bank received 4 billion rubles of losses! Under Orlov Sr., I must say, "Renaissance" brought profit and considerable. The bank brought about a billion rubles. But in the "Ananyevo period" the situation changed. People withdrew almost 30% of their savings, experts suggested that the Ananyevs' reputation was the reason. Decided to leave the bank and "famous depositors" as eminent conductor Valery Gergiev, Oscar-winning director Nikita Mikhalkov and many others. The bank lost over eight billion retail deposits.
It must be said that key managers also fled, such as Alexander Dolgopolov and his deputy Lyudmila Goncharova, who was engaged in lending to small and medium-sized businesses.
And people ran not only from the Renaissance. Former senator Viktor Pichugov left the flagship bank of the Ananievs - Promsvyazbank.
Why are they running from the Ananyevs?
Analysts believe that Promsvyazbank is not losing its license just because it "swindles" money from the Deposit Insurance Agency (DIA) with excellent regularity to rehabilitate other banks that are in a pre-bankrupt state. For example, the "flagship bank" was able to get a loan for 10 years from the DIA in the amount of 18.2 billion rubles. for the rehabilitation of Avtovazbank. The Ananievs received money for another "burning bank" - "Yarsotsbank", and for the bank " Nizhny Novgorod“They also got the money. As a result, a system has been built in which the billionaire brothers “beg” for funds to maintain banks with financial holes.
The possible raiding of the Ananievs also confuses many investors and shareholders. Here we can mention the situation with the Ramfood company, which became an asset of the oligarchs through their White Bird factory. To show that things are going well, the Ananyevs' Promsvyazbank, after a huge loss of 16.4 billion rubles, showed a profit of 2.1 billion rubles in March this year. How did it happen?
PSB had to "reduce the coverage of problem loans with provisions below the level of 100%".
"Unlike previous years PSB underreserved the unattended part loan portfolio, which helped the bank to reach net profit for 2016. Market practice is such that large banks, as a rule, have NPL reserve coverage (overdue loans for more than 90 days) exceeding 100%, "said Moody's analyst Lev Dorf.
Among other things, "the profit of 2 billion rubles shown in the financial statements for 2016 is insignificant for a bank with a balance sheet of 1.2 trillion rubles."
It seems that now the Ananyevs are in a very difficult position. And the inability to return the 4 billion rubles allocated to Rusprodholding can put the entire empire of the billionaire brothers on the brink of bankruptcy.
