The banking license was revoked from the credit institution Commercial Bank "Russian Slavic Bank" (joint stock company) BANK RSB 24 (JSC) (reg. No. 1073, Moscow) from 10.11.2015.

The decision to apply an extreme measure of influence - revocation of a banking license - was taken by the Bank of Russia in connection with the credit institution's failure to comply with federal laws governing banking activities, as well as Bank of Russia regulations, repeated violations within one year of the requirements provided for in Articles 6, 7 (with the exception of Clause 3 of Article 7), 7.2 of the Federal Law "On Combating the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism", and the application of the measures provided for by the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)", taking taking into account the existence of a real threat to the interests of creditors and depositors.

BANK RSB 24 (JSC) pursued a high-risk lending policy and did not create provisions adequate to the accepted risks for possible losses on loans. In addition, the bank did not comply with the requirements of the legislation in the field of countering the legalization (laundering) of proceeds from crime and the financing of terrorism, including in terms of the timely sending of reports to the authorized body on transactions subject to mandatory control, as well as the procedure for identifying customers in the implementation of non-cash payments on their behalf. At the same time, the credit institution was involved in conducting dubious transit operations in large volumes.

In accordance with the order of the Bank of Russia No. OD-3096 dated November 10, 2015, a temporary administration was appointed to BANK RSB 24 (JSC) for a period of validity until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of a bankruptcy trustee or appointment in accordance with Article 23.1 Federal Law "On Banks and Banking Activity" of the liquidator. The powers of the credit institution's executive bodies have been suspended in accordance with federal laws.

BANK RSB 24 (JSC) is a member of the deposit insurance system. The revocation of a banking license is an insured event provided for by Federal Law No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation” in relation to the bank's obligations on deposits of the population, determined in accordance with the procedure established by law. The specified Federal Law provides for the payment of insurance compensation to bank depositors, including individual entrepreneurs, in the amount of 100% of the balance of funds, but not more than 1.4 million rubles in total per depositor.

Date: 02/01/2016

By the decision of the Arbitration Court of Moscow in case No. А40-244375/15, the operative part of which was announced on January 26, 2016, Commercial Bank "Russian Slavyansky Bank" (joint stock company) (BANK RSB 24 (JSC), OGRN 1027739837366, TIN 7706193043, registration address: 129090, Moscow, Prospekt Mira, building 3, building 3) was declared insolvent (bankrupt), and bankruptcy proceedings were opened against him. In accordance with the Federal Law "On Insolvency (Bankruptcy)" dated October 26, 2002 No. 127-FZ. The functions of the bankruptcy trustee are assigned to the State Corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency).

We hereby inform you that funds to pay off debt, including interest and principal debt on credits (loans), must be sent to the following details:

in rubles:

Recipient: State Corporation "Deposit Insurance Agency"

TIN 7708514824, checkpoint 775001001

The address: 109240, Russia, Moscow, st. Vysotsky, 4

Beneficiary's current account: 40503810145250003051

payee's bank: Main Directorate 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) "

Requisites for non-cash repayment of loans in US dollars:

Requisites for non-cash repayment of loans In Euro:

Cash payment can be made at the box office at the address: Moscow, st. Lesnaya, 59, building 4, from Monday to Thursday from 9.30 to 17.00 (lunch from 13.00 to 13.45), Friday from 9.30 to 11.00, as well as in the terminals of JSCB "Russian Capital" (PJSC), established by addresses: Moscow, st. Vysotsky, 4 (former Upper Tagansky dead end, 4); st. Lesnaya 59, building 2. (when paying at terminals, take into account the receipt of funds on the next day from the date of payment).

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. Upon the start of accepting payments, an additional announcement will be posted.

To the attention of bank borrowers who also have deposits in the bank and apply for insurance compensation on deposits

According to Part 7 of Article 11 of Federal Law No. 177-FZ of December 23, 2003 “On insurance of deposits of individuals in banks of the Russian Federation”, if the bank in respect of which the insured event has occurred also acts as a creditor in relation to the depositor, the amount of compensation for deposits is determined on the basis of the difference between the amount of the bank's obligations to the depositor and the amount of counterclaims of the given bank against the depositor that arose before the day the insured event occurred.

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, 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:

• they revoke the license and bankrupt the bank in Russian (the legal entity of the bank is closed, all more or less valuable assets are “sawed” by interested people, the rest is written off), this happens if the bank, according to the Central Bank, is not at all interested in the industry as a whole
• revoke the license, bankrupt the bank, and appoint the DIA as the bankruptcy manager
• revoke the license and improve the bank () in order to save it from natural bankruptcy, and another bank appointed by the Central Bank of the Russian Federation steers the reorganization process

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 of 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:

• while there is uncertainty about the fate of the bank, the borrower is approaching the time to pay the loan, or maybe it has already come and there is a delay
• such a delay is not caused by the borrower, but a delay is a delay
• and delay is fines and penalties for each day of missed payment, this is damage to the credit history, these are possible problems in the future with obtaining a loan or in general problems with collectors to knock out debts
• if the borrower has a mortgage for which he paid for 10 years, then what will happen to the apartment, maybe it will be taken away
• there is a speculation among the people that when revoking a license from a bank, the Deposit Insurance Agency may require a bank to be rehabilitated (unfortunately this is not speculation)
• and many borrowers have hope deep in their souls - maybe the loan will not have to be paid at all

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.

What should be done

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:

• follow the news of the bank, how the situation develops
• check the official website of the DIA (in the first place, information about the future of the clients of the burned-out bank will appear there)
• try to contact bank employees, consult with them (during such periods, bank employees themselves do not know anything, and are completely inundated with calls from people like you)
• if time does not wait and you need to make a payment, do not rush, if the situation has not cleared up in any way, and no one gives specific information, wait some more
• otherwise (if you made a payment to the old details), it may go to waste (bank details may already be blocked), and when the situation settles down, you will be required to make a payment for the same period
• in general, endure for a while, usually any such uncertainty always ends - do you need to pay a loan now, to whom and to what accounts
• in most cases, when a license is revoked, the following happens - in just a couple of days, the Central Bank of the Russian Federation decides who will now be the temporary administration, and new payment details appear on the DIA website
• in the future, there is a possibility that the new owner will invite you to re-sign the loan agreement (if the bank is sanitizing another bank), and the new agreement will already be issued to a new legal entity, that is, to him
• the terms of the current loan rarely change
• but the new bank can offer you a super advantageous offer (in quotation marks) on different terms

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.

As you know, the vice-president of the bank, Andrey Mironov, and a group of people are suspected of conducting illegal banking operations, which is why 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.

The management of the financial institution provided full assistance to the employees of the investigating authorities and provided them with access to all the requested information and documents. According to representatives of Russlavbank, law enforcement agencies have no claims against the credit institution in the framework 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 branches and offices of the banking institution operate as usual.

Earlier, the media reported that 15 Russian and foreign banks suspended cooperation with the Contact money transfer service, including: Binbank, Probusinessbank, Interkommerts and banks that are part of the Life financial group.

As reported in the press service of Russlavbank, the presented list of credit organizations makes up about three percent of the partner network of the 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, 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. Monthly, the Mironov group carried out a cash turnover of 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 is: in no case stop paying off the loan debt. In most cases, only payment details change. Sometimes some action is required.

Who and where to pay now

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 come to the bank branch in person and clarify this issue.

Under what conditions to continue to pay

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.

What about payments before the bank closes?

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 closure of the account and full repayment of the loan.

It makes sense to keep debt payment receipts for 3 years, after which their 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 Russlavbank clients, 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.

Where to pay on the loan after the revocation of permission

After the license was revoked by the decision of the Moscow Arbitration Court on the insolvency of RSB24, 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.

Agent banks

1. Transcapitalbank
2. Tatfondbank
3. RNCO "Payment Center"

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 account of a bank 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.

How to get answers to questions

1. Make an application in our system
2. Fill out a short form
3. Specify the questions you are interested in
4. Leave your contact details

You will be able to get answers to any question that interests you in a short time. We directly cooperate 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 on an individual basis. 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.

Outcome

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 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, 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:

• they revoke the license and bankrupt the bank in Russian (the legal entity of the bank is closed, all more or less valuable assets are “sawed” by interested people, the rest is written off), this happens if the bank, according to the Central Bank, is not at all interested in the industry as a whole
• revoke the license, bankrupt the bank, and appoint the DIA as the bankruptcy manager
• revoke the license and improve the bank () in order to save it from natural bankruptcy, and another bank appointed by the Central Bank of the Russian Federation steers the reorganization process

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 of 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:

• while there is uncertainty about the fate of the bank, the borrower is approaching the time to pay the loan, or maybe it has already come and there is a delay
• such a delay is not caused by the borrower, but a delay is a delay
• and delay is fines and penalties for each day of missed payment, this is damage to the credit history, these are possible problems in the future with obtaining a loan or in general problems with collectors to knock out debts
• if the borrower has a mortgage for which he paid for 10 years, then what will happen to the apartment, maybe it will be taken away
• there is a speculation among the people that when revoking a license from a bank, the Deposit Insurance Agency may require a bank to be rehabilitated (unfortunately this is not speculation)
• and many borrowers have hope deep in their souls - maybe the loan will not have to be paid at all

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.

What should be done

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:

• follow the news of the bank, how the situation develops
• check the official website of the DIA (in the first place, information about the future of the clients of the burned-out bank will appear there)
• try to contact bank employees, consult with them (during such periods, bank employees themselves do not know anything, and are completely inundated with calls from people like you)
• if time does not wait and you need to make a payment, do not rush, if the situation has not cleared up in any way, and no one gives specific information, wait some more
• otherwise (if you made a payment to the old details), it may go to waste (bank details may already be blocked), and when the situation settles down, you will be required to make a payment for the same period
• in general, endure for a while, usually any such uncertainty always ends - do you need to pay a loan now, to whom and to what accounts
• in most cases, when a license is revoked, the following happens - in just a couple of days, the Central Bank of the Russian Federation decides who will now be the temporary administration, and new payment details appear on the DIA website
• in the future, there is a possibility that the new owner will invite you to re-sign the loan agreement (if the bank is sanitizing another bank), and the new agreement will already be issued to a new legal entity, that is, to him
• the terms of the current loan rarely change
• but the new bank can offer you a super advantageous offer (in quotation marks) on different terms

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.

Telephone consultation 8 800 505-91-11

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Credit in Russlavbank

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 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 Articles 200,196 of the Civil Code of the Russian Federation, the general 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.

I'm 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 there is none, 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 supposedly they were given the right 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 court. 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 the limitation period expired or expires?

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, 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, the hotline was told to wait for the 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 to state your legal position on the claims, justify the norms of the law.

Good afternoon, 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!

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...
A little later I paid again.
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 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.

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. 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 Department 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 of the Russian Federation on this issue. In writing, during this period of time, in order not to receive delays and not pay penalties and penalties, you can pay 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 DIA free 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 term 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. A credit lawyer will help you to correctly use the norms of the law and get rid of credit debt. Today, there are many legal ways to write off debts: from terminating a loan agreement to declaring a citizen 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, while 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 in 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. The last payment was in February, when Russlavbank's license was taken away. 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: GU 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, without commission: Tatfondbank PJSC, Payment Center RNCO, TRANSCAPITALBANK PJSC »

I have a loan at Russlavbank, they paid for 15 months, but they still 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, you need to clearly understand that the closure of a 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 a bank where the borrower has an outstanding loan should be the reason for the debtor to take the following steps: contact the central office of the 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 revocation of 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 may be collected. Credit debts are “not forgiven” and “not forgotten”, they are transferred to another organization. The conclusion is obvious: in order to have a positive credit history, to exclude the accrual of fines and penalties, you need to conscientiously treat loan repayments. 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 that I want to focus on 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 notify the recipient of 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 information about 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 for early repayment of the loan in connection with the delay in payments as of February 4, 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.

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