Payments after bank liquidation. In the event of bank bankruptcy, what amount is returned to the individual?

In Russia there is a mechanism for compulsory insurance of household deposits. The specially created Deposit Insurance Agency (DIA) will return your money even if your bank goes bankrupt. The maximum amount that the DIA will return is 1 million 400 thousand rubles. The main points here are as follows.

What deposits are covered by insurance?

Previously, insurance only covered individual deposits. Recently it was extended to all citizens' bank accounts. Moreover, the funds of individual entrepreneurs are now also insured. Exceptions: unallocated metal accounts (OMA), bank deposits to bearer and money transferred to the bank for trust management.

Do all banks have DIA insurance?

In all that are participants in the deposit insurance system. But if the bank does not participate in this system, then it does not have the right to accept deposits from the public. The likelihood that you will be outright deceived when accepting money is not high, but it is better to clarify this point with your bank.

Are foreign currency deposits also insured?

Foreign currency deposits are also insured and the insurance amount is the same, 1.4 million rubles. at the Central Bank rate. For deposits in foreign currency, the amount in rubles is returned at the exchange rate of the Central Bank of the Russian Federation on the day of the insured event (i.e. revocation of the bank’s license).

The percentage will also be returned

The DIA returns not only the deposit amount, but also the accrued interest. Moreover, according to the law, at the time the license is revoked, interest will be accrued to you even for part of the month or quarter in which the license was revoked. It turns out that the investor does not lose a single ruble from the interest due under the agreement.

How quickly will the deposit be returned?

According to the law, already two weeks after the license is revoked, the depositor can contact the DIA and receive the deposit within 3 days. In real life, despite the lines of upset depositors and the crowds, people get their money quickly enough; they don’t have to wait for months. The worse situation is when the insured event did not occur, i.e. The Central Bank has not yet revoked the bank’s license, but the bank is already half-dead and has stopped returning deposits. In this case, depositors are in limbo: the bank does not give money, and there is no right to demand from the DIA, the insured event has not yet occurred.

How to distribute deposits so that they are all covered by insurance

The DIA insurance limit is taken for one bank. That is, if you have two deposits in one bank, then 1.4 million will not be counted for each deposit, but for their sum. But place deposits up to 1.4 million rubles in different banks. In each case, no one prohibits it, which the population actively uses by choosing banks that give high interest rates. Therefore, you should not put more than 1.4 million rubles in the bank; you should divide your savings between several banks.

In this material:

Throughout its history, the Russian banking sector has improved, developing new tools to protect the interests of ordinary depositors from unexpected bank bankruptcy. As a result of the tireless review of the prospects and possibilities of banking regulation, the state decided to form a unified deposit insurance system for legal entities and individuals in order to guarantee the return of deposits in the event of license revocation and depositors were not afraid to use the services of banks, and also did not worry about their savings. How does insurance compensation for deposits work in 2020, and what should depositors pay attention to?

Each banking organization that wants to raise money from legal entities (companies) and individuals must take part in the general system of insurance of bank deposits. Insurance payments are also made on a regular basis.

Payment of deposits upon revocation of a license for insured bank deposits is carried out by the state Deposit Insurance Agency (DIA).

State deposit insurance

According to the current legislative framework, the following types of deposits are subject to compulsory insurance:

• Funds of wards, which are listed in the accounts of guardians and trustees;
• Demand deposits, as well as time deposits denominated in foreign currency and Russian rubles;
• Funds stored on salary and debit cards;
• Since 2014, money placed by entrepreneurs in special accounts has been insured;
• Money in escrow accounts that were opened for transactions under contracts for the purchase and sale of real estate at the time of registration in Rosreestr (since April 2020).

The following are not subject to reimbursement by the state:

• Money placed in specialized notary accounts opened directly for his professional activities;
• Funds in businessmen’s accounts (individual, opened before 2014);
• Funds placed in branches of Russian banks located in other countries;
• Electronic money used without opening an account with a banking organization;
• Bearer deposits;
• Deposits placed outside a banking organization (microfinance organizations, pyramid schemes, credit cooperatives);
• Funds transferred by the client under the terms of trust management;
• Unallocated metal accounts (UMA).

Are all deposits subject to insurance?

Unfortunately no. You will be able to receive compensation for ordinary deposits opened in your name, for salary, pension and other accounts intended to receive all kinds of payments.

What will not be insured by the state:

It should also be remembered that not all financial organizations cooperate with the DIA, because this is a paid service, and investors of not all companies can receive payments. Banks, when receiving a license to carry out their activities, are required to become a part of the CER, but all kinds of cooperatives, microfinance organizations and other small firms are not required to insure the money of their clients.

Therefore, if you are planning to open a deposit in 2020, be sure to ask a specialist whether your deposit will be insured; a list of such banks can be found on the official website of the Central Bank of Russia.

Therefore, if you are planning to open a deposit in 2020, be sure to ask a specialist whether your deposit will be insured; a list of such banks can be found on the official website of the Central Bank of Russia.

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“Question-answer” section

2019-09-29 21:02
Lesya

Hello, please tell me, if a default occurs, does the bank return the money that is on deposit (in rubles)?

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Consultant

Lesya, if there is a default in the country, this means that our state cannot pay either external or internal debts, the banking system is collapsing. This won’t happen in Russia, don’t be afraid

2019-07-31 20:19

Alla

If a client has several dollar accounts with Sberbank, then in case of default he receives insurance of 1,400,000 rubles in total or 1,400,000 from each account?

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Consultant

Alla, we already wrote in the article that the maximum payment amount is considered for one client in one banking organization. Therefore, if you have large savings, it is better to divide them

2019-08-17 13:05

Irina

If there are several deposits in different banks, the compensation in each of them will be 1 million 400, or in the total amount in all banks？

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Consultant

Irina, the amount for each bank is taken into account. That is, if one has lost his license, you will be paid within the guaranteed amount, if the second one has lost his license, then you can also count on compensation

2016-11-24 00:37

Igor

Good afternoon. I have a deposit of 700,000 rubles, if the bank goes bankrupt, how much money will I receive in total? Thank you in advance.

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Consultant

Igor, funds up to 1.4 million rubles are considered insured. In your case, you will receive the initial funds you deposited into the account plus accrued interest

We invite you to familiarize yourself with: Sample order for salary indexation

2016-12-05 16:49

Maria

Hello, I only had three thousand lying around, a trifle, but nice. Can I somehow get them from a connected bank?

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Consultant

Maria, if you have questions about receiving insurance compensation, you must contact the DIA agency, number: 8-800-200-08-05. Calls within Russia are free

If you want to know where to invest your money to make money this year, then go to

this link

.If you are interested in deposits, then you can check out the best offers from banks

Here

.

Reimbursement by debit cards

The funds that were on the plastic card (debit) at the time of deprivation of the bank’s license are also subject to insurance compensation from the state corporation DIA.

Deposit insurance compensation: affordable refund amount?

According to the current legislation (law of December twenty-tenth, 2014 No. 451 - Federal Law, amendments to Article 11 “On insurance of deposits in Russian banks”), a depositor whose bank deposit is subject to deposit insurance compensation has the opportunity to receive a maximum compensation of up to 1,400,000 rubles

If at the time of deprivation of the bank’s license the deposit was more than one million four hundred thousand rubles, then the remaining amount will have to be recovered as part of bankruptcy or liquidation of the bank. If the bank deposit was opened in a foreign currency (US dollar, euro), then insurance payments will be made in the national unit of account (rubles). Recalculation is made at the current exchange rate at the time of deprivation of the bank's license.

If the insured event occurs before changes are made to the legislation, compensation for bank deposits reaches the full amount, but not more than seven hundred thousand rubles. Experts working in the banking sector advise against keeping all your funds in one bank, even though it offers the highest interest payments. It is best to keep funds in several banks, dividing them so that in the event of bankruptcy of the organization you do not lose a single ruble.

What should the borrower do?

The borrower initially needs to clarify the details for transferring funds. To do this, contact the DIA or a dedicated hotline for interaction with clients of the bankrupt bank.

All that remains is to make payments in the same amount and in accordance with the schedule.

Representatives of the temporary administration must provide details for loan repayment to the borrower. The relevant information is posted on the bank's website. But if such information is not available, payments must be made using the same details.

It is imperative to keep all payment documents confirming the fact of payment in case of disputes.

If a payment to the bankrupt is not credited to the account for any reason, then the Civil Code provides for the following way out of the situation. The borrower needs to continue to deposit money according to the schedule for the notary's deposit.

Then the accrued penalties will be canceled, and your credit history will remain impeccable.

After the bank is declared bankrupt and its final liquidation, all payments must be made to the DIA. The agency posts new details in the “Liquidation of Banks” section on the official website of the bankrupt bank. Information should appear no later than 10 days after the start of liquidation.

The liquidator also sends new payment details to all bank borrowers. Payments to the DIA can be made without commission at the terminals of the Russian Capital Bank, but they should not exceed 15,000 rubles.

What to do if financial problems arise not only with the lender, but also with the borrower himself? He has several options.

Firstly, he can contact the new creditor bank or the DIA with a request to revise the current debt repayment schedule or provide a credit holiday. If the application is approved, the new lender will restructure the debt by increasing the loan term. As a result, the monthly payment is minimized. Typically, for restructuring, the borrower is required to have valid reasons for the deterioration of his financial situation: loss of job, serious illness, birth of a child, etc.

Secondly, with collateral lending, the collateral is seized and sold. Typically, real estate, cars and securities are used as collateral. The proceeds go to pay off the debt, and the balance (if any) is returned to the borrower.

If none of these options is acceptable: the restructuring was refused, and there is no liquid property, then the borrower can declare bankruptcy. This opportunity has become available to individuals since 2020.

To initiate bankruptcy, the loan debt must exceed 500 thousand rubles, and the overdue period for obligations must be three months.

The initiative to declare a borrower bankrupt can come not only from the borrower, but also from the bank or DIA. If the court considers the claims of an individual or his creditors to be justified, it will propose a restructuring schedule (only if the borrower has a permanent income) or appoint a manager. The duties of the manager include the inventory and sale of all property of the debtor at auction.

All proceeds will be used to pay off the loan debt. If they are not enough, the borrower is declared bankrupt and all obligations are removed from him.

The state became concerned with the problem of safety of individuals' funds back in 2004. This was reflected in the creation of the Deposit Insurance Agency (DIA). For us, it is valuable because if the bank is closed, the state guarantees the return of the invested money within a certain limit.

Initially, this amount was 400,000 rubles (in 2004), then it grew and grew and currently stands at 1.4 million rubles. This amount is refundable if it is in the same bank. Accordingly, if you plan to keep more than this amount in the bank, then it is more advisable to divide it and store it in several different banks, with the condition that each bank will not exceed the established limit (1.4 million) and in case of bank closure you will be able to receive the entire amount.

You can return not only the bank deposit, but also the accrued interest. But there is one nuance here. It is necessary to understand literally “ accrued interest”

". Typically interest is accrued at the end of the deposit term. And accordingly, if the bank closes (is closed) 1 day before the expiration of your deposit, you can forget about returning unaccrued interest.

Initially, a deposit with monthly (quarterly) interest capitalization will help you get away from this situation.

Foreign currency deposits opened in dollars, euros, etc. are also subject to return. You will receive the amount, of course, in rubles, at the official exchange rate on the day the bank’s closure was announced.

Is interest on deposits covered by the insurance system?

Based on the current legislative framework, amounts of interest accrued are subject to compulsory insurance if they were added to the deposit in accordance with the terms of a bilateral agreement between a banking organization and its client.

According to Article Twenty of the Law “On Banks”, from the moment of revocation of the license to conduct financial transactions, the time for fulfilling his obligations to all depositors is considered to have arrived. All interest payments are added to the main amount of money placed on the deposit and are included in the insurance compensation system.

For example, on July 1, 2013, a bank client deposited fifty thousand rubles (for one year) with the condition of quarterly accrual of ten percent per annum through capitalization. No money was withdrawn from the deposit. Consequently, at the time of the occurrence of the insured event on November 2, 2013, the liabilities of the banking organization, which are included in the calculation of mandatory compensation, will amount to 51,695.64 rubles. Fifty thousand rubles of the initial deposit and 1260.27 rubles of interest accruals for three months and 435.36 rubles of accruals for the unfinished quarter on the day that preceded the moment of revocation of the license.

The investor does not agree with the amount of insurance compensation: what can be done?

The volume of insurance compensation is calculated by specialists of the national corporation DIA on the basis of the accounting report of the liquidated banking organization. If the investor believes that the amount of funds being returned to him is insufficient, he can receive an undisputed amount of money, and then send to the DIA an additional package of documents that would confirm his case.

The documents will be reviewed by DIA specialists over the next ten days from the date of receipt of the application, after which a response and, possibly, additional payments will be provided.

Payment of deposits upon revocation of a license: procedure for the depositor

After depriving a banking organization of a license to conduct further financial transactions, the depositor should go to the official web resource of the state corporation DIA. The website publishes a list of all banks that are subject to liquidation or have been deprived of their license. You need to find your bank in this list.

DIA hotline number

Insurance payments are issued first of all:

1. Clients to whom the organization bears a certain responsibility for their health;
2. Individuals who are creditors of the bank under agreements concluded with it (bank accounts).

By law, a state corporation begins payments to depositors of a liquidated bank no less than fourteen banking days later. In order to find out when you can apply for a refund, you should subscribe (on the official DIA website) to updates on the liquidated bank.

Before the start of insurance compensation, the DIA specifically publishes a message where all DIA agent banks are registered, where depositors will be able to withdraw their savings. For example: “All depositors of the Cherepovets Bank Capital can apply for insurance payments from June 2, 2020 to June 2, 2020 at Rosselkhozbank.”

When contacting an agent bank of a state corporation, you must have the following documents:

1. An identification document or a copy thereof (for example, a passport);
2. Notarized power of attorney, if the money from the deposit will be received by someone else (wife, husband, or children who have reached the age of majority);
3. Supporting documents (in case of changes in passport data);
4. Application for compensation under the compulsory insurance system (possible directly at the bank).

Procedure and amount of compensation for deposits

To protect the financial interests of citizens and the stable functioning of the banking system, it was adopted. A state program was created to insure the deposits of individuals placed in Russian banks in the country.

Clients of participating banks can feel comfortable and not worry that their savings may disappear if the bank goes bankrupt or is liquidated. Payment of deposits and refunds are required by law. The blacklist of banks for this year is presented

The essence of the insurance system is as follows: if an insured event occurs with a bank (bankruptcy, revocation of a license, liquidation procedure), the DIA assumes responsibility for fulfilling its obligations.

Today, 485 banks are members of the Deposit Insurance Agency. Depositors whose savings are in participating banks do not have to worry about their savings: the funds are considered automatically insured, so there is no need to go through an additional procedure when making a deposit.

Before deciding to open a deposit with a bank, it is important to make sure that this financial organization is a member of the DIA.

Insolvency procedure for banking organizations

Consequently, at the time of the occurrence of the insured event on November 2, 2013, the liabilities of the banking organization, which are included in the calculation of mandatory compensation, will amount to 51,695.64 rubles. Fifty thousand rubles of the initial deposit and 1260.27 rubles of interest accruals for three months and 435.36 rubles of accruals for the unfinished quarter on the day that preceded the moment of revocation of the license. The investor does not agree with the amount of insurance compensation: what can be done? The volume of insurance compensation is calculated by specialists of the national corporation DIA on the basis of the accounting report of the liquidated banking organization. If the investor believes that the amount of funds being returned to him is insufficient, he can receive an undisputed amount of money, and then send to the DIA an additional package of documents that would confirm his case.

Payment of deposits upon revocation of a bank's license

Individuals who have opened deposits or had card accounts in a bankrupt bank, and, more recently, individual entrepreneurs, can count on compensation payments. Legal entities cannot count on payments from the DIA; their only hope is the sale of the bank's liquid property or voluntary settlements with creditors. A client of a bankrupt bank can apply for insurance payment within 14 days after the occurrence of an insured event (revocation of a license).

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Which banks are on the verge of bankruptcy 2020 – payments in bankruptcy

According to Part 2 of Article 11 of the Federal Law “On Insurance of Individuals’ Deposits in Banks of the Russian Federation,” the depositor is guaranteed a return in the amount of 100% of the amount of deposits in the bank, but not more than 700 thousand rubles. So, the first piece of advice: do not place deposits in one bank in an amount exceeding 700 thousand rubles. Further from Article 12 of this law it follows that in case of bankruptcy of a bank, payment of compensation for deposits is made by the DIA within 3 working days from the date the depositor submits to the Agency the documents provided for in parts 4 and 5 of Article 10 of the Federal Law “On Insurance of Individual Deposits in Banks of the Russian Federation , but not earlier than 14 days from the date of the insured event. I'll tell you how it was from my own experience.

Insured amount of bank deposit in 2020

We remind you that according to the law “On insurance of deposits of individuals in banks of the Russian Federation”, if a banking organization is deprived of a license to carry out credit operations, depositors will be returned their investments in 100% of the amount, but not more than the insured amount, i.e. 1,400,000 rubles.

If the total amount of funds in your accounts and deposits with this banking company exceeded this amount, then you get in line. After the property owned by the bank is sold and debts to first-priority creditors are repaid, additional payments may be made.

If the depositor had several accounts in one bankrupt bank, then compensation will be paid in proportion to their sizes. Regardless of the currency, payments are made in rubles, and they usually begin no later than 3-4 weeks from the date of the insured event.

There are several changes that have occurred since 2020:

• If your deposit was opened in a foreign currency, then compensation payments will be made in rubles at the Central Bank exchange rate, which is in effect on the day the client applies;
• Payments are now made not only to individuals, but also to legal entities;
• The insurance amount includes not only the down payment, but also accrued interest;

How much will the state return in case of bank bankruptcy?

Despite this, the reliability of banks in our country is under threat. In the article we will tell you in more detail which banks are at risk of going bankrupt in 2020, how much money can be returned if a financial institution goes bankrupt, etc.

• 1 Banks on the verge of bankruptcy 2018

• 1.1 Bankruptcy of Deutsche Bank
• 1.2 Bankruptcy of Platinum Bank
• 1.3 Alfa Bank bankruptcy 2018
• 1.4 Bank Trust
• 1.5 Renaissance Bank bankruptcy

• 2 What amount is returned in case of bank bankruptcy?
• 2.1 Payments to depositors in case of bankruptcy
• 2.2 What documents are submitted to the Arbitration Court in the event of bank bankruptcy?

Banks are on the verge of bankruptcy 2020 According to the Central Bank of the Russian Federation, the list of bankrupt companies in 2020 will not be published on the official website; the measure was taken to avoid the outflow of deposits and loss of customers.

Sberbank bankruptcy

Advice from lawyers:

1. Sberbank does not issue a debit card after bankruptcy; this bank had no debts.

1.1. There is a single database that banks access. So in your case, it doesn’t matter which bank you owe money to. Now all banks will know about your bankruptcy.

Did the answer help you?YesNo

1.2. What's the question? Arbitration/financial manager Vitaly Snytko.

Did the answer help you?YesNo

Consultation on your issue

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2. Can a Sberbank employee file for bankruptcy?

2.1. Good afternoon. In fact, within the framework of the law, only the court declares a citizen bankrupt; apply for bankruptcy to the Arbitration Court at your place of residence.

Did the answer help you?YesNo

2.2. You can file for your bankruptcy, REGARDLESS OF THE AMOUNT OF DEBT AND THE PRESENCE OF DELAY, to the arbitration court if there are signs of bankruptcy. If you have a salary or pension, depending on the amount of income, the cost of living in the region, and the presence of dependents, it is possible to introduce a debt restructuring procedure within three years with payment from the source of income and writing off the outstanding amount. If there is no source of income, a procedure for selling property is introduced. But all this is associated with serious costs for the bankruptcy process (140 thousand rubles in the simple version). You should start by understanding whether this procedure is right for you. For example, answer the following questions for yourself: - what will happen as a result of your application, which of the three types of bankruptcy procedures? — if there will be debt restructuring within three years, do you need it? — what property will you lose? — what property transactions may be under threat recently? — how long does the procedure take? — what do you expect as a result? — will the entire debt be written off or not? — what costs are necessary for the bankruptcy procedure? - Which financial manager will take care of you? Etc. and so on. This is best determined in consultation with a lawyer who specializes in banknotes or an arbitration (financial) manager. Arbitration/financial manager Vitaly Snytko.

Did the answer help you?YesNo

3. Can Sberbank file for bankruptcy on a loan.

3.1. Yes, if there is a three-month delay in the amount of more than 500,000, or after three months have passed from the date of notification of early repayment of the loan, again, provided that the amount of the principal debt is more than 500,000.

Did the answer help you?YesNo

4. After the bankruptcy of the Post Office Bank, the bank does not want to close credit accounts and regulates it with internal regulations. Although Sberbank software closed everything. What to do in such a situation?

4.1. It is illegal. Contact the prosecutor's office.

Did the answer help you?YesNo

5. This is the situation: there was bankruptcy of an individual, the case was terminated due to the repayment of the claims of creditors included in the register. Sberbank did not have time to be included in the list of creditors, although this bank only has a current debt on a mortgage loan for 4 months, due to the fact that the bank itself does not accept payments in connection with the bankruptcy procedure. Can Sberbank itself now initiate the procedure for an individual?

5.1. Right if duty allows.

Did the answer help you?YesNo

6. Lender Sberbank debt 800 thousand and creditor individuals. the person is also 800 thousand. Will the bankruptcy estate be distributed equally or does the bank have an advantage?

6.1. If they are in the same queue, then equally.

Did the answer help you?YesNo

6.2. Equally distributed.

Did the answer help you?YesNo

7. Within what maximum period of time, after sending an email with a bankruptcy determination attached, should the collection be removed from the card and deleted from the database. I sent a letter to the collection agency on June 3, the operators were notified as of June 1 of this year. The Sberbank card was foreclosed on a loan from 2017, bankruptcy was completed in 2019

7.1. If you send them a ruling that has entered into force on completion of the sale of property and release from fulfillment of obligations, then they must immediately remove all penalties. The only thing that confuses me is sending the definition by email. As a rule, such a determination on paper, certified by the seal of the court, has legal force. Banks usually have strict requirements; for them, a definition in electronic form is not enough. Regarding deletion from the database, your entry will most likely be archived.

Did the answer help you?YesNo

8. I have a loan from Sberbank for 250,000 rubles. from March 2 this year. Monthly I have never made a payment; there is no way. ! Is it possible to write off this loan through bankruptcy proceedings? If possible, under what conditions?

8.1. The bankruptcy procedure is not suitable for your case, because... the amount of debt is less than 300,000 rubles.

Did the answer help you?YesNo

8.2. Not yet. Currently, the amount for filing for bankruptcy is 500 thousand.

Did the answer help you?YesNo

8.3. The answers given by non-experts are incorrect. Technically, the amount of debt does not matter when filing for bankruptcy. But you have a very small amount of debt, and bankruptcy proceedings are a costly undertaking. Arbitration/financial manager Vitaly Snytko.

Did the answer help you?YesNo

9. I want to buy a house through bankruptcy, but I don’t understand whether it’s possible to remove the deposit. Because property pledged to PJSC Sberbank. The title borrower is the ex-husband who lives there. The debtor is a co-borrower.

9.1. Good afternoon Well, of course it is possible, Sber software, as soon as it finds out that you intend to buy out the collateral property, bank employees will analyze the situation and most likely agree. Accordingly, the debtor will pay off the debt with the money received from you and the pledge will be removed.

Did the answer help you?YesNo

9.2. The collateral is almost always removed when the collateral property is sold during the banknote procedure. Engage a qualified lawyer to support such a transaction. Arbitration/financial manager Vitaly Snytko.

Did the answer help you?YesNo

9.3. The pledge is then removed in court or voluntarily upon submission of a joint application by the pledgor and the pledgee.

Did the answer help you?YesNo

10. 08.17 a loan was taken out, in November 2020 a difficult situation developed. An offer was received from the same bank (Sberbank). I took out another loan, a larger amount, to cover the first one. But the 2nd personal income tax certificate provided was not original. I have not changed my job for the last 3 years. Those. working officially, but with a black salary, he provided a deliberately false certificate. Now I am planning to file for bankruptcy, because... There is no way to repay the loan, what consequences could there be if you go to court?

10.1. According to the law, this is a sufficient basis for not applying the exemption rule to you. However, in my practice there have been cases when such cases were resolved in favor of the Debtor.

Did the answer help you?YesNo

10.2. Hello, Anton. There are risks that you may not be released from your loan obligations. If the debt is significant, you can save official income (salary, pension, etc.) and property (within the framework of the law on enforcement proceedings) or carry out bankruptcy proceedings. Consult personally with a specialist in the field.

Did the answer help you?YesNo

11. There is NO court ruling on my bankruptcy. Why, as a disabled person, am I not given a Sberbank debit card to receive subsidies? I had cards, why didn’t they give me them? Maybe scammers and deceitful managers are appointing me about my bankruptcy... The FSB has no answer to me.

11.1. Hello. It’s not clear who doesn’t give you a card? Write in clarification.

Did the answer help you?YesNo

12. I have 12 loans - 260 thousand, 1 loan from Sberbank 190 thousand and 2 credit cards alpha 29 thousand and tenki 36 thousand, I have 25% ownership in the apartment, there is a rent agreement but between relatives, how will the court consider this in bankruptcy? Where can I find such a solution?

12.1. It will not be the court, but the financial manager who will analyze your financial situation. Accordingly, much will depend on his mood and desire to reveal something. But in general, no one is interested in household property at all; no one checks what you have. www.bankiram.net is part of my practice, you can read it. Sincerely, lawyer in Moscow - Stepanov Vadim Igorevich.

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12.2. Your question and what you want to know are unclear. It is better to consult personally with a specific arbitration manager or bankruptcy lawyer. Arbitration/financial manager Vitaly Snytko.

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12.3. The court will look for all your assets, so you need to approach the bankruptcy procedure carefully.

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13. I went on maternity leave in 2013 and received a monthly allowance to care for a child up to 1.5 years old only up to a year, then the organizations closed the account and she filed for bankruptcy. I applied to the FSS, the court, and Sberbank with a request to return the remaining money for 6 months, but they refused everywhere. The organization has already been liquidated, can I somehow get this money now? After all, if an organization is liquidated, the money should return back to the FSS?

13.1. Good afternoon, Yulia! You need to file a lawsuit in accordance with the CASS RF procedure, because... The Social Insurance Fund was required to pay you benefits until the child reached the age of 1.5 years.

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Consultation on your issue

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14. Passed the bankruptcy procedure. The trial was on March 10. Determination from March 17. 2020. Due to self-isolation, I received an electronic court ruling from the financial manager. What should I do to get my accounts unblocked? I went to Sberbank to unblock accounts with an extract from the court. New cards were issued. I went online to Sberbank and there was minus 40 thousand in my accounts for some reason. I don't understand anything. I did not apply for any loans from savings banks. Where does minus 40 thousand come from?

14.1. Send an online request to the bank for account information.

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15. I have debts to Zapsibkombank of 1.5 million rubles. I don't work anywhere. Debt for more than 5 years. Former entrepreneur. I want to file for bankruptcy. But I have a mortgage on non-residential premises from Sberbank. I won't be able to file for bankruptcy? Will the store be put up for auction? But it belongs to Sberbank.

15.1. Hello. The store belongs to YOU, it is simply pledged. You can't go bankrupt. You need to look at the loan agreement and payment schedule; perhaps the statute of limitations has expired for the entire amount or part of it.

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15.2. No mortgage is just the right of the mortgagee to foreclose on the property. The owner is you. If Sberbank submits its demands to the register in time, the premises will be sold at auction. The mortgage is terminated only by making an entry in Rosreestr.

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15.3. Hello, there are several options, you need a personal consultation. The bankruptcy procedure itself is quite expensive (from 80 tr in simple cases) and long (within a year). Consult personally with a specialist in the field.

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16. I filed for bankruptcy in January 20. The first meeting will be held soon. And I receive these SMS from Sberbank and they come knocking on my apartment! I'm afraid! Information about overdue debt *** RUB under loan agreement No. *** dated June 27, 2018 was transferred to the on-site collection group. Do not leave your locality and stay at home after 18:00. More details by number. Sberbank. What to do? Help me please!

16.1. After the court hearing and the appointment of a financial manager, notify the bank that you have been declared bankrupt and the procedure has been opened, after which all actions of this “group” will be illegal.

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16.2. Hello Katya Such actions as you describe are illegal. If there is a threat to life or health, call the police.

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17. An application for bankruptcy of an individual was filed with the Arbitration Court. persons, tomorrow is the due date for payment on a credit card at Sberbank, if I pay, the bank will probably not allow you to withdraw cash after paying interest, because it has been notified of the client’s desire to begin bankruptcy proceedings. The question is to pay or not to pay.

17.1. Hello! You can't pay! Otherwise, the procedure will not be started against you if you do not comply with the bankruptcy conditions.

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17.2. After submitting the application, you cannot pay money to creditors, because this can be challenged, as well as obtaining new loans and withdrawing funds using credit (not debit) cards. It’s strange that the financial manager didn’t explain this to you.

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18. Is it legal for Sberbank to write off funds (alimony and benefits) to repay the loan if I am going through bankruptcy proceedings (sale of property). and if it is illegal, within what time frame must the money be returned?

18.1. If you have already been declared bankrupt, then you have been assigned a financial manager who can manage almost all the funds coming into your account... if you need more information on your issue, interact with the financial manager. manager

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18.2. A bank's withdrawal of funds during bankruptcy proceedings without the permission of the financial manager and bypassing the priority order is not legal (especially alimony and benefits). The financial manager must submit a corresponding application to the bank for a refund. Obliged to return within a short period of time!

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19. There was a bankruptcy procedure, I received an SMS that the accounts were Unblocked, but when I tried to log into Sberbank online they wrote that the card was blocked. Why is that?

19.1. Good afternoon If the bankruptcy procedure is completed, then you need to provide the bank with a certified copy of the Arbitration Court’s ruling on the completion of the bankruptcy procedure and write, or they will write to you, a corresponding application for lifting restrictions on a specific account or accounts in this bank in connection with the completion of the procedures. Perhaps only after this will all restrictions really be lifted for you and you can use the account to the fullest.

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19.2. Cards are re-issued after completion of the procedure. In this case, the bank must be presented with a judicial act confirming the completion of the sale of the property.

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20. On February 19, 2020, the arbitration court issued a decision on bankruptcy, and the stage of property sale began. How long will it take for the arbitration manager to receive a copy of the decision so that he can withdraw travel money from the Sberbank card?

20.1. Good afternoon. Honestly, it varies, from 1 week to 2 months. It depends on the court specialists. You have to send a petition, call the judge’s specialists and demand a blue seal of the judicial act.

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At the moment we are going through the bankruptcy procedure, and the amount of 41,860,994.19 rubles appeared on the Sberbank card, how do we understand this? Is this some kind of technical amount? Or what?

My bankruptcy was filed on May 16, 2020, and on December 30 I received an SMS that SIRIUS LLC

I bought an apartment with a mortgage in 2013, in 2020, when I was on maternity leave, Sberbank filed an arbitration court order to declare me bankrupt due to late payments.

1.5 months ago I completed the bankruptcy procedure as an individual, my Sberbank accounts were unblocked and the arrests were lifted.

Due to the bankruptcy of my enterprise and loss of my job, I had an insured event on 2 loans.

3 Sberbank loans without arrears, 1 Vostochny Bank loan overdue for 3 years,

Sberbank withdrew the salary from the salary card to pay off the loan debt on another account 25.

And he can’t cope with several loans, now he wants to file for bankruptcy, can Sberbank take away the apartment? There were no delays on the mortgage.

A week ago I filed for personal bankruptcy. The first meeting was scheduled for the end of January.

The card was seized and 12,000 rubles were withdrawn. There is a lawsuit, I found out about it

For me, the bankruptcy procedure has been completed, November 12, 2019, the determination is already in hand.

Deposit insurance: guaranteed return amount

Is interest on deposits covered by the insurance system? Based on the current legislative framework, amounts of interest accrued are subject to compulsory insurance if they were added to the deposit in accordance with the terms of a bilateral agreement between a banking organization and its client. According to Article Twenty of the Law “On Banks”, from the moment of revocation of the license to conduct financial transactions, the time for fulfilling his obligations to all depositors is considered to have arrived. All interest payments are added to the main amount of money placed on the deposit and are included in the insurance compensation system. For example, on July 1, 2013, a bank client deposited fifty thousand rubles (for one year) with the condition of quarterly accrual of ten percent per annum through capitalization. No money was withdrawn from the deposit.

Does the state guarantee the return of our deposits in the event of a bank bankruptcy?

If the bank deposit was opened in a foreign currency (US dollar, euro), then insurance payments will be made in the national unit of account (rubles). Recalculation is made at the current exchange rate at the time of deprivation of the bank's license. If the insured event occurs before changes are made to the legislation, compensation for bank deposits reaches the full amount, but not more than seven hundred thousand rubles. Experts working in the banking sector advise against keeping all your funds in one bank, even though it offers the highest interest payments. It is best to keep funds in several banks, dividing them so that in the event of bankruptcy of the organization you do not lose a single ruble.

How much does the bank return to individuals in case of bankruptcy?

• publications in the EFRSB;
• publications in the magazine “Kommersant”;
• services of independent professionals;
• postage;

There are incidents in which the Central Bank can, but does not have to, revoke a license.

• publications in the EFRSB;
• publications in the magazine “Kommersant”;
• services of independent professionals;
• postage;

Prices for the bankruptcy function are formed from these costs.

This means improving the financial condition of the organization. Bank Trust will operate as before during this event.

Clients don't have to worry about their money. Renaissance Bank insolvency The fact that Renaissance went bankrupt became clear back in December 2020.

• Next, you will need to select an arbitration manager for the case.

The first is related to the provision stating that in bankruptcy the interests of all parties are taken into account.