As you know, the vice-president of the bank Andrei Mironov and a group of persons are suspected of carrying out illegal banking operations, because of which, on April 23, officers of the Ministry of Internal Affairs conducted a search in Russlavbank. A. Mironov, according to law enforcement agencies, created in 2012 a number of companies that were engaged in the withdrawal of large sums, bypassing the official legal financial and tax control. According to the police, the illegal turnover of the funds of the three companies created by A. Mironov amounted to approximately 3.5 billion rubles a month.
Management financial institution provided full cooperation to the employees of the investigating authorities and provided them with access to all requested information and documents. According to representatives of Russlavbank, law enforcement agencies have no claims against credit institution within the scope of the criminal case under investigation. The current situation does not threaten the fulfillment by the bank of its obligations to depositors, shareholders, customers and partners. All departments and offices banking institution are operating normally.
Earlier, the media reported that with the service money transfers Contact cooperation was suspended by 15 Russian and foreign banks, including: Binbank, Probusinessbank, Interkommerts and banks included in the Life financial group.
According to the press service of Russlavbank, the presented list of credit organizations makes up about three percent of the partner network payment system some of which have already returned. Some of the partner banks of the payment service changed the settlement scheme, others transferred settlements to the second settlement center of the bank - VTB. At the same time, the temporary suspension of cooperation, the representatives of the bank emphasized, did not have a significant impact on the operation of the system, since work with the largest Russian banks: Uralsib, Vozrozhdenie, Avangard, Transnational Bank, Finam and others - continues in full.
Recall that for the implementation of criminal activities, the members of the group used rented office premises, current accounts in Russlavbank and other credit institutions, which were registered with more than six dozen organizations they created. Mironov's group carried out monthly money turnover by 3.5 billion rubles. Read more about this in our material - "
The first thing that every borrower of a bank that has lost its license should remember: in no case stop paying credit debt. In most cases, only payment details change. Sometimes some action is required.
After the revocation of the license during the period of bankruptcy or liquidation, a temporary administration operates in the bank. She deals with all issues related to the obligations of clients.
The outstanding debts are transferred to the new bank. The borrower must be notified in writing that the right to claim the loan is transferred to another organization. The new organization, observing the law, must also notify the debtor about this.
If no notifications were received, it is possible that the payment details have not changed and you can continue to pay as before (just in case, keeping all payment receipts), but it’s better to personally come to the bank branch and clarify this issue.
The loan agreement and its conditions will continue to operate, that is, remain the same. The new lender cannot change them, but can take full advantage of them. For example, if the contract states that the bank has the right to unilaterally demand early repayment of the loan. So read your contract carefully so that there are no disputes.
Important! The new lender may offer to terminate the existing agreement with the old bank and enter into a new one. The borrower has the right to disagree. But it makes sense to study the new contract, suddenly it is more profitable.
As a rule, when you change the bank, the payment details for paying off debts by borrowers also change. To find out the new details, contact the temporary administration of the bank or call the contact center (contacts are either on the bank's website or on the website of the Central Bank).
If the time has come for the next payment on the loan, but there is no way to deposit money (branches are closed, ATMs are not working, account transactions are suspended), you must send a registered letter to the bank addressed to the temporary administration with a request to provide details for transferring money.
Previous payments must be accounted for by the new creditor. But this doesn't always work out. To avoid conflict situations, you need to keep receipts for paying the debt. And if the loan was repaid just before the bank closed, you need to take a certificate of closing the account and full repayment of the loan.
It makes sense to keep receipts for payment of debts for 3 years, after which their period limitation period will expire, and no one will be able to demand money from the client.
During the liquidation period, late fees and penalties do not accrue, but this does not mean that you can pay late.
Payments on Russlavbank loans
A question arose among many clients of Russlavbank, where to pay the loan after the license was revoked, which banks were given powers? In the event of such situations, you should not worry too much and worry. If you had a deposit open, it was insured and you can count on a refund of up to 1.4 million. If you owe loans to a bank, then the competent authorities appoint agent banks that are authorized to accept payments to repay the debt.
After the decision arbitration court of the city of Moscow on the insolvency of the RSB24 company, the license was revoked, the list of agent banks that accept payments to repay debt obligations was announced. You can deposit funds both directly at the cash desks of these organizations, and at partner banks, without commission for this.
Do not try to transfer your money to the old account for repayment. You won't get anything. In order to make a deposit to the bank account to which you owe money and whose license has been revoked, you should find out which organization has been delegated the authority to accept funds from the public. The list of companies for Russlavbank clients, where to pay the loan after the license is revoked, is given above. In the organizations themselves, you can find out to which particular account payments should be made to repay the loan in a particular currency.
In principle, you can get the information you are interested in from us by leaving a request for consultants. They will promptly answer all your questions and find the information you need. It will not take you much time, and in the end you can save a lot of time and effort.
You will be able to get answers to any question that interests you in a short time. We cooperate directly with many financial institutions, and we have the latest information on many issues.
In case you have had any late payments or penalties, you should clarify your question in individually. Then you should all the more consult with experts on how you should act in this situation. But be that as it may, even after revoking the license from the bank that served you, you should pay off the debt in full. You can only be granted a grace period due to force majeure.
Upon termination of the organization. In which you have placed a deposit or issued a loan, do not panic. All deposits of citizens are insured, and payments on loans can be made in designated organizations. Moreover, the deposits of citizens can be dealt with by the same companies, as well as by others. So, if you were served at Russlavbank, where to pay the loan after the revocation of the license, you can find out both on the website of the Central Bank and from us, having received the necessary details.
Questions: If the bank burst, is it necessary to pay the loan? How to pay a loan if the bank's license is revoked? Answers: The bankruptcy of a bank and the revocation of a license are two different things, both for the bank itself and, in fact, for the borrower. Therefore, these issues must be considered separately.
If the bank goes bankrupt, do I need to pay off the loan? It is necessary, but only if the bank has sold or transferred the right to claim its debt to third parties. And the third party now has legal grounds for this. This is a fairly common practice in the field of monetary obligations, and there is nothing super secret about it. And if the bank, for natural reasons, went bankrupt, closed, evaporated, did not transfer anything to anyone, and does not require anything from anyone, in this case you are lucky - the loan cost you nothing.
If the bank's license was taken away?
If this happens, then the loan must be paid in without fail, but already by another organization that took over the management of such a bank. In Russia, this could be the Deposit Insurance Agency or any other bank appointed by the Central Bank.
In general, the revocation of a license from a bank is a coercive action on the part of the state that Central bank RF on behalf of the state itself. There is no contradiction here, since the Central Bank of the Russian Federation is the controlling body of the banking sector.
In Russia, license revocation can take place in three ways:
Here is a video about how the reorganization of the bank actually takes place and why the Central Bank revokes licenses from banks.
In the first case, you do not need to pay the loan, unless the "sawyers" of the bank, which the Central Bank of the Russian Federation decided to completely bankrupt, sawed up all its valuable assets ( commercial real estate, securities, bills and so on), and decided to write off all bad debts.
In fact, most of the bank's assets are paper liabilities that are worthless. And anyone (the Central Bank or a person who has accepted the rights to property or temporary management) can write them off, nobody needs them. But this rarely happens.
In the second case, everything goes to the DIA, and the DIA does not forgive debts, and vice versa, it usually requires the borrower to pay off debts ahead of time.
In the third case, you do not need to pay the loan for the same reasons (if the "heirs" of the bank do not make claims against the debtors). But this has never happened in the period 2013-2016 (when there was a massive revocation of licenses).
result - and in case of a natural bankruptcy of a bank and in a managed bankruptcy, you need to pay a loan, but only when the successors have presented you with the right to claim the debt of the deceased bank. And they have every paper reason for that. If they are not, then such an assignee can be sent to one place.
It is clear that any obligations of participants in monetary relations always play in both directions. And any negative phenomenon that occurs on one side affects the other.
Well, borrowers will still be happy if their lender is stolen by aliens, or he splits into atoms. After all, if there is no one to make claims, then you can not answer for your obligations.
But bankruptcy is a little different. An ordinary borrower, without legal knowledge, is nervous, worried - he does not understand what will happen to him. Do I have to repay a loan if the bank goes bankrupt?
So, what does the bankruptcy of a bank or the revocation of a license mean for a borrower of this bank:
In short, the bankruptcy of a bank is a complete uncertainty for the borrower, a possible change in lifestyle and other negative consequences. Nobody wants this.
How to calm your soul from doubts and what needs to be done so that the bankruptcy of a bank or the revocation of its license does not affect you in any way?
Sequencing:
ATTENTION! Usually, during the reorganization of a bank in Russia, a temporary administration is appointed in the form of another bank chosen according to unknown laws. Which then for some reason turns into a permanent administration (the bank being rehabilitated completely becomes the property of the sanator). This is privatization and redistribution of markets of influence in Russian. And you get transferred to another slave owner.
When a bank goes bankrupt or rehabilitated, a possible successor needs some time to solve technical issues, link new accounts, and so on, but if he does not intend to forgive the bank's debts, then he will not forget about them and after a certain time he will make claims to you.
Be alert! And once again, do not worry about the fact that they will forget about you, or that you have not made the next payment. Most often, a sanatorium forgives bank customers all fines and penalties for the time of disturbances, but the loan will still have to be repaid, only to the new owner of your obligations.
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I took a loan from Russlavbank in 2015, in 2015 the license was taken away from the bank. There was no notice of this from the bank. 3.5 years have passed and here comes in February 2019, a letter from a certain company "RegionConsult" that they allegedly transferred the rights to collect a loan, with interest and penalties. I do not mind paying the main debt that I had at the time of the liquidation of the bank, but with the rest of the amount (fines, interest) I do not agree. What do i do? Tell me please!
Hello! It is possible to free you from debt altogether.
Vera, the statute of limitations is three years. Apparently, it has already been released, so you are no longer required to pay. So tell the lender. Sincerely.
Hello! Send the creditor to court.
In 2015, she took a loan from Russlavbank and paid, then the license was revoked from the bank. There were no notifications, letters and phone calls where to pay the loan. Called all the phones, no one answered. The loan was taken for 10 years. Today I received a letter from TEGOMA LLC that they have been given the right to collect a loan. The amount is huge.
Tell me, on what basis is your debt transferred written?
Hello dear Elena! This is a classic situation for you, when your creditor assigns the right to claim to a new creditor on the basis of an assignment agreement on the right to claim, based on the provisions of the articles of Chapter 24 of the Civil Code of the Russian Federation (briefly - the Civil Code of the Russian Federation), which you better yourself need to carefully read. Article 385. Notification of the debtor on the transfer of rights 1. A notice of the debtor on the transfer of rights shall be valid for him regardless of whether it was sent by the original or new creditor. The debtor has the right not to perform the obligation to the new creditor until the evidence of the transfer of the right to this creditor is provided to him, except in cases where the notice of the transfer of the right has been received from the original creditor. There are times when cunning "collectors" turn to borrowers with demands that they repay their debt and interest on loan agreements. Therefore, it is necessary to clearly understand the rights of the new creditor, but it is better in this situation to offer the new creditor to file a lawsuit, and then in court, with the help of a lawyer, to protect their financial interests. Good luck to you.
I have the same situation. I took a loan from Russlavbank in 2013; in 2015, the license was taken away from the bank. There was no notice of this from the bank. Two years later, they sent a paper from the DIA (it looks like a flimsy letter, I can concoct one like that) I tried to get through to them for six months, it was useless. Half a month ago, a cart came from Tagoma LLC, the amount is prohibitive. The loan was extended for five years. Tell me what to do. And on the statute of limitations, please enlighten me.
Pay the DIA debt.
I took a loan from Russlavbank in August 2015. In 2017, ACB was sued, which I attended. Their demand is to repay all the debt at once. I sent them a settlement agreement, to which they did not answer me for a year. At the moment, I received a notification of the assignment of rights from TEGOMA LLC, the DIA confirmed that I have to resolve issues with them regarding the debt. From what moment does the statute of limitations on a loan begin from the moment the agreement is concluded with the bank or from the moment a court decision is made. Thank you in advance.
Hello. By virtue of Article 200,196 of the Civil Code of the Russian Federation general term The limitation period is 3 years.
I took a loan from Russlavbank in 2014 and paid before the bank closed, now I received a letter stating that my debt was transferred to TEGIOMA LLC, a huge amount. What to do?
Hello! After the bank closed, you had to find out which bank your loan agreement was transferred to.
My name is Oksana. I took a loan from Russlavbank in August 2015. I paid everything on time, in January 2016 my license was revoked, I got my bearings, found the details of the DIA and paid there. Recently, in February, a piece of paper came from TEGOMA LLC with new details, where I am not going to pay, they wrote that there is a delay, but I know that it is not there, because. everything was paid on time, checks serve as proof. Please tell me what to do in this situation, the site contains information that our debts were redeemed by TEGOMA from the organizer of the auction of electronic DIA. Very much needed advice.
Ask them for documents on what basis the right of claim was transferred to them, if they provide, pay them according to the schedule. If they think that there are debts, send them to the court, let them prove that you have payments.
There was a loan in Russlavbank, the loan was paid regularly without delays. The bank was liquidated. We did not receive any notifications, letters where to pay the balance of the loan, to our home address. 3.5 years have passed and here comes in February 2019, a letter from a certain company "TEGOMA" that allegedly they have been transferred the rights to collect a loan, with interest and penalties. The amount is astronomical. I do not mind paying the main debt that I had at the time of the liquidation of the bank, but I do not agree with the rest of the amount (penalties, interest). Yes, and I have no confidence that the company "TEGOMA" is not a scammer. How to do it right?
Good afternoon Alexander. In your case, the statute of limitations has passed. 196 of the Civil Code of the Russian Federation - the total limitation period is three years. In order not to worsen your situation, do not take actions to confirm your debt - do not write anywhere, do not pay money. Article 206 of the Civil Code of the Russian Federation: If, after the expiration of the limitation period, the debtor or other obligated person acknowledges his debt in writing, the limitation period begins anew. If they sue, just state the statute of limitations there. The limitation period is the time established by law for the protection of their rights by the bank (or others)
In 2014, the loan base in Russlavbank. I paid well for a year. In 2015, the bank's license was revoked. The other day, a letter of notification of the assignment of rights arrived, the recipient of Tagoma LLC. I agree to pay the loan but I'm afraid that they are scammers.
This issue is resolved in judicial order. They had to sue for a replacement.
I took a loan from Russlavbank in 2013. I paid regularly. When the license was taken away from the bank, the payment did not go through. Called all the phones, no one answered. Now they sent a claim for a delay of one million rubles. What to do.
Write a reasoned review.
I took a loan from Russlavbank in the year 2010-11, at 13 somewhere the bank went bankrupt, now I received a court letter saying that I have to pay an amount ten times more than what I took.
You need to look at the contract and payment schedule, as well as claims sent to you. Perhaps the statute of limitations has expired.
I took a loan from Russlavbank in 2013, in 2015 my license was taken away. Nobody asked for money. But the credit history is ruined. I always took loans both in savings and in the Russian Agricultural Bank, and little by little. Now everyone refuses, what to do? And I have a construction site, you always need to intercept in 100-200 tr.
Hello Lydia Olegovna! I take it you are late? The fact is that the revocation of a license does not mean that you can not pay on loans. As a rule, the Deposit Insurance Agency becomes the successor of such banks.
I took a loan from Russlavbank on 11/19/2013, the bank lost its licenses and payments for the loan on my part stopped on 10/16/2015, the loan agreement ends on 11/18/2016. Please tell me what date has expired or expires claim period prescription?
The statute of limitations never automatically expires. It is applied only by the court and only at the request of the debtor.
I took a loan from Russlavbank, the bank went bankrupt where I didn’t know where to pay; everywhere they said wait for notifications or until they call. It's been 4 years, the other day notifications come with a request to repay the debt, but interest is already tenfold. What do i do? Tell me please!
Ruslan, no way. The statute of limitations is three years. So you can tell them that you will not pay. If filed in court, then write an objection about the limitation period, the court will refuse to consider the claim.
It’s better to wait for the court, you need to look at the documents for the loan, when it was issued, for how long it was issued, whether there was a payment schedule, to consider the statute of limitations, most likely it will be possible to fight off part of the debt, or even from the entire debt. The main thing is not to pay anything now, otherwise restore the statute of limitations.
I have an unpaid loan taken from Russlavbank, yesterday they called from which bank they demand repayment of the loan, they say that they are the successors of this bank, they promised to send a notification, I don’t mind paying the loan, but they stated the amount is twice my debt, they say that this is interest for three years, but it’s not my fault that no one sent me details for paying the debt for three years, which bank became the receiver, I didn’t understand, they spoke quickly, here are the bodies. from which they called me. Maybe you can check whose phone it is +74951206534.
If you believe the data on the Internet, then this number belongs to the FinCreditResource organization. I do not advise you to pay until you receive official documents. If more than three years have passed, then the statute of limitations has passed and it is likely that you can not pay at all or at least reduce the amount of debt.
Hello. DO NOT PAY THEM ANYTHING! These are scammers. Send them to court. Russlavbank is bankrupt, and only the DIA has the right to act on its behalf.
In 2015, Russlavbank, which had my loan, had its license revoked!
The bank closed hotline they said wait for the right receiver and new notification and details .. as a result, the third year of silence ...
A couple of days ago, they called from the court that a trial would take place on August 23, the DIA filed.
How to sue only the main debt? And another 70 thousand insurance, without it the bank at one time did not give a loan, the insurance was imposed.
It is necessary to file a response to the claim, in which you state your legal position on the claims, substantiate them with the norms of the law.
Good afternoon, in your case it is necessary: to familiarize yourself with the materials of the case, write a review on statement of claim if there is reason to declare in writing that the limitation period has passed. To represent your interests in court, sign an agreement with a qualified lawyer. If the court refuses to satisfy the plaintiff's claims, claim the recovery of court costs. Good luck with business!
In 2014, I took out a loan from Russlavbank. Payment was made according to the schedule.
At the time of revocation of the license, she paid another payment in the amount of 10 thousand rubles. Money has been credited to the account...
I paid again a little later.
The loan was paid by me in full, there is your certificate that I have no debt.
Correspondence was conducted with Rozetka.
But at the moment, the loan according to the credit card history bureau is not closed. Please, sort it out and put a mark in the database that it is redeemed. And can you still return the money I overpaid (10000)
You need to apply to the BCI with an application to amend your credit history. Or in court to prove the unreliability of the data contained in the credit history.
Is it possible to return insurance from Russlavbank if the loan was taken in 2013 and repaid ahead of schedule and long ago?
Hello. If the loan was repaid early, then you have the right to apply to insurance company and demand termination of the insurance contract, if the term of the insurance contract has not yet expired. If the term of the insurance contract has expired, then you are unlikely to be able to return part Money.
Hello! Examine the contract (credit, insurance) and apply to the bank, insurance company, in case of refusal to file a lawsuit.
A couple of years ago I took a cash loan at a branch of Russlavbank. Didn't sign anything. They didn't even ask for a passport. They just gave me cash and I deposited the due amount once a month, I received an SMS about the deposit. The bank's license was taken away. Closed everywhere. So I don't have to pay? Since they did not ask for my documents and I did not receive any papers.
Good evening! If there is no evidence that you ever took out a loan at all, then why did you pay in the first place?
In order to avoid debt, contact the DIA or the website of the Central Bank and specify who, instead of your bank, is currently accepting payments on the loan.
I took a loan from Russlavbank. 2 years ago, his license was taken away and he was closed for suspicion of sponsoring terrorism, money laundering, etc.. Before the bank was closed, 2 months before the bank was closed, they sued me for non-payment of the loan. Now the bailiffs have 501,000 rubles. But who should pay? There is no bank.
you need to wait for the moment when a new creditor appears and notifies you of the transfer of the rights of claims against him. 22 of the Civil Code of the Russian Federation, part 1. For your part, you also have the right to contact the Territorial Administration of the Central Bank of your region and find out about the Respondent Bank (i.e., about the assignee) in order to establish contact with it.
The bank must have a legal successor. You can find out who it is on the website of the Central Bank of the Russian Federation, or write a written appeal to the Central Bank of the Russian Federation.
/ Solve this issue with bailiffs. Write a statement about it. that they are ready to pay the debt, but ask them to tell you the details of the recipient. Maybe it will be ASV. All the best.
Good day. You need to contact the Central Bank about this issue. Russian Federation In writing, during this period of time, in order not to receive delays and not pay penalties and penalties, you can pay the money on the loan in accordance with the schedule for the notary's deposit.
Hello, there is no one ... DIA is at least an assignee. The point is different. If no one demands from you, then there is no need to worry, that's all.
Hello Pavel! In case of revocation of the license from the bank, you must continue to pay the loan, because no one has canceled your obligations and all the stipulated penalties in case of debt will be applied; when the license is taken away from the bank, the Central Bank and the Deposit Insurance Agency transfer the credit debt to another bank or the debt may become the property of the DIA, to clarify the details, you can contact the DIA via the free DIA hotline 8800-200-08-05. With respect and willingness to help, STANISLAV PICHUEV.
No one, until there is an assignee. You, for your part, can use this circumstance to your advantage. To try to restore the deadline and appeal the decision or revise the decision that has already entered into force, the norms of the Code of Civil Procedure of the Russian Federation allow this. Correctly use the rules of the law and get rid of credit debt a loan lawyer can help. Today there are many legal ways write off debts: from the termination of a loan agreement to the recognition of a citizen as bankrupt. Attention! For a personal consultation, click on my photo and there are contacts (e-mail). Sincerely, credit lawyer - Stepanov Vadim Igorevich.
Question about Renaissance Credit Bank. At one time, I took a loan from Russlavbank, which at some point lost its license. After some time, by paper mail,
I received a letter from Renaissance Credit Bank with information that I need to drive up
to their office and reissue the contract for them.
Recently, I was puzzled by the issue of insurance, and as it turned out, I have this option connected to a couple more loans.
In 2 other banks, I called and they turned it off for me (the savings are immediately significant)
In the Renaissance, they told me that you were insured by the Independence Insurance Company when concluding an agreement with Russlavbank, but in November 2016, this insurance company was deprived of a license, and since you were insured at Russlavbank, the Renaissance Credit Bank cannot be turned off, not compensate
You can’t get the amount of insurance from 2016 onwards, so, roughly speaking, pay us further, and God forbid an insured event happens, of course, no insurance will be paid anyway. Contact the insurance company "Independence"
(which, respectively, has already ceased operations for a year)
Is there any way to compensate for a year of less payment (from 2016 to 2017) and refuse to pay insurance in the future?
Thank you, Eugene.
Good day. Look on the Internet who became the successor of this insurance company. Write them a statement.
How to pay a loan to Russlavbank whose license was revoked in 2015
In your case, you need to contact the State Corporation "Deposit Insurance Agency" for information, which you can find out the necessary details for paying the debt on the loan that you issued at Ruslslavbank "Call center telephone Deposit Insurance Agency 8 800 200-08 -05
I took a loan from Russlavbank, when the office in our city was closed, I found the details on the Internet and paid it to the end. Now I am getting calls about an unpaid loan, but my money has gone somewhere and has not returned. Last payment was in February when the license was taken away from Russlavbank. I paid through Sberbank Online and all statements from Sberbank were provided to me, in them, in black and white, my payments to Russlavbank details. What should I do in this situation.
Good day! 1. Make a request to YOUR bank (in writing with COPIES of payment orders attached) about how much and when THEY received. Further - according to the result Good luck to YOU! Always happy to help
Good day Do not voluntarily pay anything, and wait for your creditor to go to court, there you will prove that everything was paid on time. Where your money is stuck, you need to find out in the savings bank Good luck to you. Anna Titova.
Hello. Now you have nothing left to do but wait for the claimant to go to court and challenge the existence of the debt in court. For some time, unfortunately, they will "get it". Therefore, if the threats are too intrusive, it is worth contacting the police with a statement. Before the court's decision, all that remains is: change the number, or calmly constantly answer: "sue" and hang up.
It remains only to wait and store all receipts for payment. If the creditor has any requirements for you, let him go to court and prove the existence of a debt. For your part, you are the representative of the debt repayment receipt.
I took a loan from RUSSLAVBANK, the bank was closed - how to pay off the debt. Petrozavodsk.
Hello! Cash to pay off debt, including interest and principal on loans (loans), must be sent to the following details: Details for non-cash repayment of loans in rubles: Recipient: State Corporation "Deposit Insurance Agency" TIN 7708514824, KPP 775001001 Address: 109240, Russia, Moscow, st. Vysotsky, 4 Settlement account of the beneficiary: 40503810145250003051 Beneficiary's bank: Main Directorate of the Bank of Russia for the Central Federal District, Moscow 35 BIK 044525000 Purpose of payment: name (surname, name, patronymic) of the debtor (borrower), details of the loan agreement, account RSB 24 (JSC) at the Agency No. 76/11-0476 (MANDATORY)" At the moment, credit institutions have been selected to provide services for receiving payments under loan agreements concluded with individuals, no commission: PJSC "Tatfondbank", RNCO "Payment Center", PJSC "TRANSCAPITALBANK"
I have a loan at Russlavbank, they paid for 15 months, but they owe more than they took, and the bank is closed, they heard on TV that such banks as Russlavbank (which are involved ...) Do not pay, but you need to provide tax documents, pay tax and the loan will be repaid.
Hello! This is complete nonsense. You are a debtor, so now you need to pay according to the details that are indicated on the website of this bank.
Good afternoon!!! First, it must be made clear that the closure banking organization is not a reason for automatic debt cancellation. The borrower will still have to pay for the loan. And here it is important to understand who to pay. When the bankruptcy procedure comes into effect, the banking affairs are transferred to the bankruptcy trustee or liquidator, and all the property of the bank, together with loan agreements, must be prepared for sale. That is, all debts on loans are not written off, they will be owned by another owner. Secondly, the news about the liquidation of the bank, where the borrower has an outstanding loan, should be the reason for the debtor to take the following steps: contact Main office a bankrupt bank, where, as a rule, the temporary administration is located; present your loan agreement; find out new details for transferring money to pay off a debt (it is not recommended to make payments according to old data - payments may freeze or they will not be accepted, and this threatens with fines from the new credit institution); if new details are still not provided, transfers are made in accordance with the terms of the old contract for the old details, but receipts of payment must be kept in order to have evidence in the future to exclude the amounts paid from the total debt and remove the accrued fine if the case goes to trial . Will the borrower be able not to pay the loan if the bank is liquidated? After analyzing the situation in the credit market related to the recall banking licenses, experts have identified a special category of borrowers who plan to make money on the bankruptcy of banks, namely, to take loans from a banking organization that is on the verge of bankruptcy, and after its closure not to repay the loan. I would like to disappoint such entrepreneurs. If the bank is liquidated, and the borrower ceases to fulfill obligations (does not repay the debt), this may result in legal proceedings. And if the loan is secured by collateral, then the collateral can be collected. Credit debts are “not forgiven” and “not forgotten”, they are transferred to another organization. The conclusion is obvious: to have positive story on lending, exclude the accrual of fines and penalties, you need to conscientiously treat loan payments. By law, as soon as the bank is liquidated and the credit debt is transferred to another credit institution, the borrower is notified of this fact in writing. The most important thing to emphasize in this case is that the loan agreement can be extended without any significant changes on the part of the new bank, that is, the amount, interest rate, payment schedule, and so on do not change unilaterally. If such a violation occurs, the borrower has every reason to go to court. If you need legal assistance, please call 89773046470
I had a loan at Russlavbank using the contact system. The bank was licensed. Please tell me where and how to pay the loan now.
Hello! Contact the notary and make payment on the loan on his deposit. The notary will inform the recipient about the receipt of payments to his address.
You need to call the hotline and find out who became the assignee of this bank
I have a loan in Russlavbank. After the revocation of the license of Bank RSB 24 (JSC) in November 2015, I applied to the branch of this bank in Saratov (at the place where the loan was received). They gave me temporary details, according to which I paid for three months (November, December and January 2016) - until the information on the appointment of a bankruptcy trustee, the Deposit Insurance Agency, appeared on the bank's website. Since February 2016, I have already paid for the details of the bankruptcy trustee. And in May, I received a demand from this Agency about early repayment loan in connection with the delay in payments as of 04.02.2016. But I haven't had a single month delay! How to be?
Call, notify about the absence of debt, try to find out the maximum number of options that you can be offered as a solution to your problem.
In July 2015, I took out a loan from RusSlavBank. I paid through the site "Contact". In December 2015, I learned that the bank had lost its license. I independently found out the details by which I now have to pay the loan. It's been six months and I still haven't received any notification. How and where can I find out my loan balance? And how should I pay for it?
find out on the website of the central bank the bank sanatorium and the details for paying the loan.
Caucasian politics
“The Bank pursued a high-risk credit policy and did not create reserves adequate to the accepted risks for possible losses on loans,” the Central Bank explained.
In addition, the bank did not comply with the requirements of the legislation on combating money laundering, including in terms of the timely submission of reports to the authorized body on transactions subject to mandatory control. Also, the financial institution did not comply with the requirements of the procedure for identifying customers when making cashless payments on their behalf.
“At the same time, the credit institution was involved in conducting dubious transit operations in large volumes,” the press release says.
A temporary administration has been appointed in the bank, the powers of the executive bodies have been suspended. The Bank is a member of the deposit insurance system.
According to the results of three quarters of 2015, RSB24 Bank (formerly Russlavbank) ranks 120th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. There are 18.9 billion rubles of funds of individuals on the bank's accounts.
It is clear that any obligations of participants in monetary relations always play in both directions. And any negative phenomenon that occurs on one side affects the other.
Well, borrowers will still be happy if their lender is stolen by aliens, or he splits into atoms. After all, if there is no one to make claims, then you can not answer for your obligations.
But bankruptcy is a little different. An ordinary borrower, without legal knowledge, is nervous, worried - he does not understand what will happen to him. Do I need to pay a loan if the bank goes bankrupt (q)
So, what does the bankruptcy of a bank or the revocation of a license mean for a borrower of this bank:
Of all these fears of the borrower, we would call the most significant fear - the requirement to repay the loan ahead of schedule in case of revocation of the license from the bank. The DIA itself can do this, violating the law, but in practice it is useless to sue him (the DIA has a state cover).
TIN 7708514824
Gearbox 775001001
Purpose of payment: “account of BANK ITB (JSC) No. 76/11-0478; Full name or company name; date and number of the loan agreement.
Residents of Ukraine also still have a lot of questions, for example, to whom and where to pay a loan from Mikhailovsky Bank. They are much less likely to face the revocation of licenses, so this whole procedure is new for Ukrainians. But in terms of disorder, corruption and absurdity, Ukraine's state apparatus is not very far removed from Russia's.
There were many questions when Mikhailovsky went bankrupt. People for a long time could not understand where to pay the loan. At the places where all the links led, they answered that such payments were not accepted, and so on.
As of August 10, 2016, more or less a working tool for repaying a loan debt in this bank appeared.
First, he was appointed responsible for mutual settlements National Bank Ukraine or NAC Bank.
Secondly, payments should be made at the branches of the NAC Bank to the following details.
Recipient - Bank Mikhailovsky
EDRPOU code - 38619024
Beneficiary's bank - National Bank of Ukraine
MFO - 300001
Settlement account - 32077124001026
Purpose of payment - Repayment of the loan Full name, TIN, agreement No., date of date, account No. 29092038619024
In a press release, the Central Bank explains that the RBR placed funds in low-quality assets and did not create reserves adequate to the risks taken.
“Due to the unsatisfactory quality of assets that did not generate sufficient cash flow, the credit institution did not ensure the timely fulfillment of obligations to creditors,” the press release says.
It is also reported that the bank submitted materially inaccurate reports to the supervisory authority, hiding the existence of grounds for revoking the license to carry out banking operations. “The management and owners of the bank have not taken the necessary measures to normalize its activities,” the regulator emphasizes.
Based on the results of three quarters of 2015, the RBR ranks 295th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. As of October 1, his accounts had 2.99 billion rubles of funds from individuals.
The regulator explained that as part of the supervision of the activities of the RBS, the unsatisfactory quality of its assets was established.
“Proper evaluation credit risks on demand supervisory authority revealed a complete loss of own funds (capital) of the credit institution. The managers and owners of the bank have not taken effective measures to normalize its activities,” the Central Bank claims.
According to the results of three quarters of 2015, RBS ranks 329th in terms of assets in the Interfax-100 ranking. As of October 1, his accounts had 3.6 billion rubles of funds from individuals.
How to calm your soul from doubts and what needs to be done so that the bankruptcy of a bank or the revocation of its license does not affect you in any way (q)
According to the results of three quarters of 2015, Mezhregionbank ranks 494th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. As of October 1, his accounts had 1.1 billion rubles of funds from individuals.
10th of November. website - The Central Bank of the Russian Federation on Tuesday revoked licenses from four banks registered in Moscow: Russian Slavic Bank (Russlavbank RSB24), Regional Bank Development Bank (RBR), the Regional Savings Bank, Mezhregionbank, as well as the non-banking credit organization Tor Credit, the Central Bank said in a statement.Thus, according to the Central Bank, Russlavbank pursued a high-risk credit policy and did not create reserves adequate to the accepted risks for possible losses on loans.
In addition, the bank did not comply with the requirements of the legislation on combating money laundering, including in terms of the timely submission of reports to the authorized body on transactions subject to mandatory control. Also, the financial institution did not comply with the requirements of the procedure for identifying customers when making cashless payments on their behalf.
"At the same time, the credit institution was involved in conducting dubious transit operations in large volumes," the press release says.
According to the results of three quarters of 2015, RSB24 Bank (formerly Russlavbank) ranks 120th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. There are 18.9 billion rubles of funds of individuals on the bank's accounts.
The banking license of the Regional Development Bank was revoked due to the fact that the RDB placed funds in low-quality assets and did not create reserves adequate to the risks taken.
"Due to the unsatisfactory quality of assets that did not generate sufficient cash flow, the credit institution did not ensure the timely fulfillment of obligations to creditors," the press release says.
It is also reported that the bank submitted materially inaccurate reports to the supervisory authority, hiding the existence of grounds for revoking the license to carry out banking operations. "The management and owners of the bank have not taken the necessary measures to normalize its activities," the regulator emphasizes.
A temporary administration has been appointed in the bank, the powers of the executive bodies have been suspended. The Bank is a member of the deposit insurance system.
According to the results of three quarters of 2015, the RBR ranks 295th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. As of October 1, his accounts had 2.99 billion rubles of funds from individuals.
As for the Regional Savings Bank (RSB), the regulator, as part of its supervision of the activities of the RBS, established the unsatisfactory quality of its assets.
"A proper assessment of credit risks at the request of the supervisory authority revealed a complete loss of own funds (capital) of the credit institution. The managers and owners of the bank did not take effective measures to normalize its activities," the Central Bank asserts.
A temporary administration has been appointed in the bank, the powers of the executive bodies have been suspended. The Bank is a member of the deposit insurance system.
Based on the results of three quarters of 2015, RBS ranks 329th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. As of October 1, his accounts had 3.6 billion rubles of funds from individuals.
The regulator revoked the license of Mezhregionbank because it pursued a high-risk credit policy associated with the placement of funds in low-quality assets.
As a result of the fulfillment of the requirements of the supervisory authority on the formation of reserves adequate to the risks taken, the credit institution has completely lost its capital, the regulator notes.
"The heads and owners of the bank have not taken effective measures to normalize its activities," the report says.
A temporary administration has been appointed in the bank, the powers of the executive bodies have been suspended. The Bank is a member of the deposit insurance system.
According to the results of three quarters of 2015, Mezhregionbank ranks 494th in terms of assets in the Interfax-100 ranking prepared by Interfax-CEA. As of October 1, his accounts had 1.1 billion rubles of funds from individuals.
Also, the Central Bank of the Russian Federation on Tuesday revoked the license for banking operations from the non-banking credit organization Tor Credit, the Central Bank said in a statement.
The Central Bank explains that NCO "Tor Credit" pursued a high-risk credit policy associated with the placement of funds in low-quality assets.
"As a result of fulfilling the requirements of the supervisory authority on the formation of reserves adequate to the risks taken, the credit institution has lost a significant part of its own funds (capital)," the press release says.
At the same time, according to the regulator, the managers and owners of the credit institution did not take effective measures to normalize its activities.
A temporary administration has been appointed in the NPO, and the powers of the executive bodies have been suspended.
NCO "Tor Credit" as of October 1 ranked 757th in terms of assets in banking system RF.
Payments to depositors of four Moscow banks, whose licenses were revoked by the Central Bank of Russia on Tuesday, will begin no later than November 24, the Deposit Insurance Agency said.
Depositors will receive a refund of 100% of the amount of all accounts within 1.4 million rubles. The amount not compensated by the insurance will be repaid during the liquidation of the bank as part of the claims of first priority creditors.
Questions: If the bank burst, is it necessary to pay the loan? How to pay a loan if the bank's license is revoked?Answers: The bankruptcy of a bank and the revocation of a license are two different things, both for the bank itself and, in fact, for the borrower. Therefore, these issues must be considered separately.
If the bank goes bankrupt, do I need to pay off the loan? It is necessary, but only if the bank has sold or transferred the right to claim its debt to third parties. And the third party now has legal grounds for this. This is a fairly common practice in the field of monetary obligations, and there is nothing super secret about it. And if the bank, for natural reasons, went bankrupt, closed, evaporated, did not transfer anything to anyone, and does not require anything from anyone, in this case you are lucky - the loan cost you nothing.
If the bank's license was taken away?
If this happens, then the loan must be paid without fail, but already by another organization that has taken over the management of such a bank. In Russia, this could be the Deposit Insurance Agency or any other bank appointed by the Central Bank.
In general, the revocation of a license from a bank is a compulsory action on the part of the state, which is carried out by the Central Bank of the Russian Federation on behalf of the state itself. There is no contradiction here, since the Central Bank of the Russian Federation is the controlling body of the banking sector.
In Russia, license revocation can take place in three ways:
Here is a video about how the reorganization of the bank actually takes place and why the Central Bank revokes licenses from banks.
In the first case, you don’t need to pay a loan, unless the “sawyers” of the bank, which the Central Bank of the Russian Federation decided to completely bankrupt, sawed up all its valuable assets (commercial real estate, securities, bills, and so on), and decided to write off all bad debts.
In fact, most of the bank's assets are paper liabilities that are worthless. And anyone (the Central Bank or a person who has accepted the rights to property or temporary management) can write them off, nobody needs them. But this rarely happens.
In the second case, everything goes to the DIA, and the DIA does not forgive debts, and vice versa, it usually requires the borrower to pay off debts ahead of time.
In the third case, you do not need to pay the loan for the same reasons (if the "heirs" of the bank do not make claims against the debtors). But this has never happened in the period 2013-2016 (when there was a massive revocation of licenses).
result - and in case of a natural bankruptcy of a bank and in a managed bankruptcy, you need to pay a loan, but only when the successors have presented you with the right to claim the debt of the deceased bank. And they have every paper reason for that. If they are not, then such an assignee can be sent to one place.
It is clear that any obligations of participants in monetary relations always play in both directions. And any negative phenomenon that occurs on one side affects the other.
Well, borrowers will still be happy if their lender is stolen by aliens, or he splits into atoms. After all, if there is no one to make claims, then you can not answer for your obligations.
But bankruptcy is a little different. An ordinary borrower, without legal knowledge, is nervous, worried - he does not understand what will happen to him. Do I have to repay a loan if the bank goes bankrupt?
So, what does the bankruptcy of a bank or the revocation of a license mean for a borrower of this bank:
In short, the bankruptcy of a bank is a complete uncertainty for the borrower, a possible change in lifestyle and other negative consequences. Nobody wants this.
How to calm your soul from doubts and what needs to be done so that the bankruptcy of a bank or the revocation of its license does not affect you in any way?
Sequencing:
ATTENTION! Usually, during the reorganization of a bank in Russia, a temporary administration is appointed in the form of another bank chosen according to unknown laws. Which then for some reason turns into a permanent administration (the bank being rehabilitated completely becomes the property of the sanator). This is privatization and redistribution of markets of influence in Russian. And you get transferred to another slave owner.
When a bank goes bankrupt or rehabilitated, a possible successor needs some time to solve technical issues, link new accounts, and so on, but if he does not intend to forgive the bank's debts, then he will not forget about them and after a certain time he will make claims to you.
Be alert! And once again, do not worry about the fact that they will forget about you, or that you have not made the next payment. Most often, a sanatorium forgives bank customers all fines and penalties for the time of disturbances, but the loan will still have to be repaid, only to the new owner of your obligations.
Legal advice:
1. Is it possible to return insurance from Russlavbank if the loan was taken out in 2013 and repaid early?
1.1. If the loan was repaid ahead of schedule, then you have the right to contact the insurance company and demand termination of the insurance contract if the term of the insurance contract has not yet expired. If the term of the insurance contract has expired, then it is unlikely that you will be able to return part of the money.
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1.2. Examine the contract (credit, insurance) and apply to the bank, insurance company, in case of refusal to file a lawsuit.
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2.1. In your case, you need to contact the State Corporation "Deposit Insurance Agency" for information, which you can find out the necessary details for paying the debt on the loan that you issued at Ruslslavbank"
Call Center Phone Deposit Insurance Agency
8 800 200-08-05
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3.1. Cash to pay off debt, including interest and principal on credits (loans), must be sent to the following details:
Details for non-cash repayment of loans in rubles:
Beneficiary: State Corporation "Deposit Insurance Agency"
TIN 7708514824, KPP 775001001
Address: 109240, Russia, Moscow, st. Vysotsky, 4
Beneficiary's current account: 40503810145250003051
Beneficiary's bank: GU of the Bank of Russia for the Central Federal District, Moscow 35
BIC 044525000
Purpose of payment: name (surname, name, patronymic) of the debtor (borrower), details of the loan agreement, account RSB 24 (JSC) with the Agency No. 76 / 11-0476 (MANDATORY) "
At the moment, credit organizations have been selected to provide services for receiving payments under loan agreements concluded with individuals, without commission: Tatfondbank PJSC, Payment Center RNCO, TRANSCAPITALBANK PJSC
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4.1. 1. Under a loan agreement, a bank or other credit organization (creditor) undertakes to provide funds (credit) to the borrower in the amount and on the terms stipulated by the agreement, and the borrower undertakes to return the amount of money received and pay interest on it.
2. The rules provided for in paragraph 1 of this Chapter shall apply to relations under a loan agreement, unless otherwise provided by the rules of this paragraph and does not follow from the essence of the loan agreement.
Submit a request.
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5.1. Check with the State Central Bank of your subject
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6.1. By making a request directly to the bank, Lyubov Mikhailovna.
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6.2. You need to contact the bank directly.
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7.1. Call the Central Bank, the hotline
GOOD LUCK TO YOU
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8.1. contact the bank with an application.
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9.1. in accordance with the terms of the contract
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10.1. Contact the territorial division of the Bank of Russia, they will tell you.
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11.1. Pay, otherwise there will be delays, the debt will grow like a snowball.
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12.1. Take a look at the website of the deposit insurance agency.
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13. Where can I request my loan agreement with Russlavbank and the history of loan payments from 2011 to 2015.
13.1. At the bank, writing an official appeal.
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Consultation on your question
call from landlines and mobiles is free throughout Russia
14. I took a loan in 2014, Russlavbank went bankrupt. In 2020, they called and said that T-project had all the rights. At my request, they sent my agreement and documents for assignment dated 02/25/2015 to Watsap. Where have they been for 5 years and is there any statute of limitations?
14.1. There is a statute of limitations of 3 years.
But the creditor has the right to demand payment of the debt even after the expiration of the limitation period. The statute of limitations applies only in court proceedings.
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14.2. Eleanor!
I will add an answer. If the collectors, in the future, will violate your rights. (For example, interacting with neighbors without your consent, contacting too often), then you can file a complaint against them with the regional service bailiffs. You can also send them an opt-out statement.
Good luck!
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15. I took a loan from Russlavbank in 2013, then they took away their license and I stopped paying, today in February 2020 some holding calls me and says that they have a business and asks to transfer money to them every month, what should I do?
15.1. Don't enter into conversations with anyone. if there were no letters, claims from the bank or successor, then the statute of limitations entered.
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15.2. an agreement on the assignment of rights (claims) was concluded, even if the limitation period has expired, then first of all they will apply to the world court for a court order to collect the debt.
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15.3. Your debt is most likely sold to debt collectors. Soon they will go to court, and then to the bailiffs. Solve the issue with them. Modet will be able to agree and slowly pay off the debt.
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16. In 2013, I took a loan from Russlavbank, then the bank was liquidated, I didn’t know where to pay, and now the decision has come, I need to pay 16 tons plus 9 percent in favor of Tagoma LLC. Is the court decision legal? Thank you.
16.1. Most likely you received a court order that needs to be canceled.
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16.2. If you receive a court order, you have the right to cancel it within 10 days from the date of receipt. And if this is an absentee decision, then you have the right to file an application for its cancellation within 7 days.
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17. They took a loan from Russlavbank on February 19, 2013, 260885.46, insurance 33265.98, paid 335600, total: 368865.98, all payments and checks are available. A demand came, through the court, for an additional payment of 37,000 rubles and 3,000 rubles for legal costs. Is this correct and what should I do next?
17.1. I can’t say how legal it is, because I didn’t see the lawsuit itself and the calculation of claims, you have to look and then you can say for sure.
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17.2. Not everything is clear from the question, what does the requirement through the court mean?
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18. In 2015, Russlavbank, which had my loan, had its license revoked!
The bank was closed, the hotline was told to wait for the receiver and new notice and details .. as a result, the third year of silence ...
A couple of days ago, they called from the court that a trial would take place on August 23, the DIA filed.
How to sue only the main debt? And another 70 thousand insurance, without it the bank at one time did not give a loan, the insurance was imposed.
18.1. It is necessary to file a response to the claim, in which you state your legal position on the claims, substantiate them with the norms of the law.
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18.2. in your case, it is necessary: to familiarize yourself with the case materials, write a response to the statement of claim, if there are grounds to declare in writing that the limitation period has been missed. To represent your interests in court, sign an agreement with a qualified lawyer. If the court refuses to satisfy the plaintiff's claims, claim the recovery of court costs. Good luck with business!
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19. A couple of years ago I took a cash loan at a Russlavbank branch. Didn't sign anything. They didn't even ask for a passport. They just gave me cash and I deposited the due amount once a month, I received an SMS about the deposit. The bank's license was taken away. Closed everywhere. So I don't have to pay? Since they did not ask for my documents and I did not receive any papers.
19.1. If there is no evidence that you ever took out a loan at all, then why did you pay in the first place?
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19.2. In order to avoid debt, contact the DIA or the website of the Central Bank and specify who, instead of your bank, is currently accepting payments on the loan.
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20. please tell me what to do? We took a loan 4.5 years ago from Russlavbank. Then he was deprived of his license, where I pay every month I don’t know. The numbers that were on the Internet do not answer. What to do? How to proceed?
20.1. Information letter of the Bank of Russia dated April 14, 2017 N IN-06-14/17
"On the placement of details for the transfer of funds in payment of debt on a loan issued by a credit institution before the revocation of a license"
The transfer of funds in payment of debts on loans issued by credit institutions whose banking licenses were revoked after 01/30/2017 is recommended to be carried out using the details posted:
- on the official website of the relevant credit institution on the Internet;
- on the official website of the Bank of Russia on the Internet in the "Liquidation of credit institutions"/"Announcements of provisional administrations" subsection of the "Information on credit institutions" section.
- on the official website of the State Corporation "Deposit Insurance Agency" on the Internet in the "Liquidation of Banks" section (from the day the State Corporation "Deposit Insurance Agency" was assigned the function of a bankruptcy trustee or liquidator).
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20.2. Apply with an official request to the Central Bank, in any case, they must pay even if the bank is liquidated. Good luck to you and all the best.
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21. I am Alexander Viktorovich Kvaskov, I want to fully repay the balance of the loan debt in Russlavbank, from whom can I find out the balance of the debt and in which bank in the city of Rostov-on-Don can I repay it.
21.1. You need to find the contacts of the bank to which you owe - they are obliged to tell everything by phone. If the bank no longer exists, contact the Central Bank of the Russian Federation and clarify to whom the rights of claim have been assigned
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22. I had a loan at Russlavbank using the contact system. The bank was licensed. Please tell me where and how to pay the loan now.
22.1. Contact the notary and make payment on the loan on his deposit. The notary will inform the recipient about the receipt of payments to his address.
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22.2. You need to call the hotline and find out who became the assignee of this bank
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23. Please, I have a loan from Russlavbank. The bank has closed. I received a letter from the insurer of this bank that you need to pay the entire remaining debt at once. Can I pay in installments? And for what details?
23.1. A bankruptcy letter should come, who is now the successor, and who will be paid further. If not, then don't pay yet.
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24. On March 12, 2014, she took out a loan from RUSSLAVBANK, on November 3, 2015 she deposited the balance of the debt into the account, and on November 10, 2015, the license was revoked from the bank. A letter came in May 2016 about overdue debt. It turns out that the bank did not close the contract, but varnished the account when the license was revoked and now offers to pay off the debt with interest for 35,000 rubles, and promises to return the deposited funds after paying off the debt. What to do? Thank you in advance!
