Man and woman 

DIA: On consideration of applications for disagreement with the amount of compensation for deposits of CB "Kansky" LLC. DIA does not return money, because I am not among the contributors Find out the status of disagreement in DIA

There are different opinions about how justified it is to turn to professional lawyers to protect your rights as a depositor in court, and what is the chance to win a lawsuit against the bank and the DIA. It seems to some that “it makes no sense to sue”, someone, on the contrary, is sure “only in court can you protect your rights”. Of course, the opinion of any person depends on his personality and experience. For a lawyer - from his own experience and confidence, for an ordinary investor - from the information that he owns by virtue of his legal literacy. Opinion also depends on the attitude of a person to the work of professionals. There are those who fundamentally in any situation trying to cope only on their own. But there are those who know the difference between inexperience and the work of professionals. Needless to say, even in the professional media one can hear diametrically opposed statements about the prospects for litigation with the Insurance Agency. And lately, for example, one often hears arguments about the difficulty of fighting DIA in the Tagansky District Court of Moscow.

Well, taking into account many factors, the choice of each individual person is made.

The experience of working on the protection of depositors in various district courts of Moscow and the huge amount of work with the analysis of open judicial practice that we carried out during the current year suggests that there is its own judicial statistics for each type of client cases.

The largest share of lost cases is in the protection of those depositors who carry out the "split" of deposits on the eve of the revocation of a banking license. As a rule, the DIA manages to convince the court to recognize these banking transactions as illegal, and as a result, the plaintiffs are denied inclusion in the payout registry. These cases, as a rule, are lost due to the established judicial practice and the fine-tuned line of defense of the DIA.

However, the main failed category of cases are the very cases when the plaintiff did not involve a lawyer in defending his legitimate interests or involved him, but the latter turned out to be incompetent. Such cases are lost for a variety of reasons, ranging from an incorrectly chosen defense strategy and erroneous references to legislation, ending with a lack of skill in dialogue with the judge and the defendant, as well as a lack of knowledge about the procedural order of the trial. Quite often, the errors of the defense reach the point of absurdity - for example, the necessary petition is not filed, as a result of which evidence is not attached to the case. The result is the same - the loss of the case in court and the lack of chances for a positive result when filing an appeal.

If you try to measure the "average temperature in the hospital", it turns out that there are more cases lost than won. However, here you need to take into account several additional factors that affect the statistics:

  • Sometimes when filing a lawsuit in court, the defendant (Insurance Agency), having received a copy of a professionally drawn up statement of claim, without waiting for a loss in court, voluntarily includes the contributor in the register of payments. Some of these claims are withdrawn as a result and do not fall into the general statistics.
  • In the judicial system, only a part of the decisions are published in the public domain. And one cannot be sure that positive and negative decisions are published in equal proportions. There is an opinion that cases in which the losing party is the contributor are published more often.
  • It is extremely difficult to collect all the cases available in the public domain, since the bases of court decisions are organized in different ways, there are no uniform standards. There are decisions that are almost impossible to find in the electronic archives of courts.
  • We do not disclose our own statistics on judicial work to protect bank depositors, but they are much more optimistic than the market average.

Intelligent Legal Assistance

After a thorough examination of court decisions, we divided all cases of depositors into types - depending on the circumstances of the case, taking into account the package of documents, adjusted for the current stage of the bank's liquidation and information about it, depending on the position of the DIA on certain issues of litigation and etc. This allowed us to optimize the templates and forms of documents used in the work, to substantiate each item of depositor protection in accordance with the law, the practice of its application and previous court decisions. We can say for sure that the circumstances of the case and the available documents can affect the tactics of judicial protection in the most significant way. We can protect two different clients of the same bank using a completely different approach. As well as two depositors of different banks, we can defend in a single strategy, using similar arguments in court.

We have our own formulas and puzzles for successful judicial defense in various legal aspects of the case, from which we assemble the right legal constructor for defending in courts. Is such knowledge and legal tools available to depositors without a lawyer or with a general lawyer? Of course not.

Like any other law firm, our own experience does not cover all types of investor litigation. We did not conduct some rare types of cases on our own, but we know the practice, which is reflected in the information bases of the courts. This means that there are types of complex cases that will require additional efforts of qualified lawyers to find a “clue” or apply a non-standard approach in judicial protection. Conditions for such cases are discussed with clients additionally and individually.

As for the most frequent schemes of bank fraud with depositors' money and documents, these are several subtypes:

  • the deposit agreement was unlawfully terminated and concluded again for a smaller amount
  • debit transactions were falsified on the deposit
  • information about the existence of obligations to the client is completely absent in the information system of the bank
  • the deposit is initially reflected in the banking system for a smaller amount
  • and others

Agency work

There is no doubt that the work of the DIA with banks with revoked licenses, in which accounting records are completely or partially falsified and in which some important information has been lost, is time-consuming and difficult. At the same time, it is impossible not to notice the DIA's aggressive judicial protection against depositors, which clearly indicates the Agency's unwillingness to voluntarily part with the money of affected bank customers. The most obvious manifestations of such a policy are those proceedings in which, in the personal absence of the plaintiff (or his representative) in court, at the request of the Agency, cases are safely left without consideration. And this is a lot of those very cases when, due to territorial remoteness, ill health and lack of financial ability, people could not come to court.

In each case, the DIA stubbornly proves that there are no grounds for including claims in the register under absolutely any circumstances in which a bank deposit arises. The court actively uses the procedural and legal errors of ordinary citizens, appeals to their ignorance of the law, etc. In general, representatives of the Agency do everything so that the depositor cannot win the court, regardless of the actual circumstances of the case.

Many depositors and their unqualified lawyers eventually tend to accuse the court of being biased, knowingly ruling in favor of the DIA and the bank. We cannot say, but, nevertheless, we believe that the desire to accuse the court is due to the incompetence of the plaintiff's legal defense, which failed to prove the depositor's right to be included in the register. Knowing how the judiciary works, it seems highly unlikely that a court would side with the Agency for any other reason than recognizing that the DIA's defense case is stronger than that of the contributor, given also established jurisprudence.

Key actions of the contributor

  • Submit a statement of disagreement with the payment to the DIA (preferably as soon as possible after the payments have begun).
  • Wait for a response (or 30 calendar days) from the date of registration of your application in the database of received applications from the DIA.
    Note: You can check the status of your statement of disagreement by following this link:
    https://www.asv.org.ru/insurance/claim/
  • If a negative response is received from the Agency, and often it contains such wording: “there are no sufficient grounds for including the applicant’s claims in the register of insurance payments”, “we recommend that you contact the district court at the location of the defendant to resolve the issue of establishing the amount of the bank’s obligations to you in court”, etc. - in this case, you need to file a lawsuit.

A negative answer (or the absence of any answer within 30 calendar days) is a signal that it is time to start protecting your own interests in court.

It remains for the investor to choose a qualified legal defender who will start work.

Remember, without professional lawyers, you have a ghostly chance of winning a court victory.

Your legal company "Legal Mill" (Legal Mill).

Updated 11/27/2016.

Most bank customers do not even suspect that they may be in a position where they need to prove the presence of a deposit. As often happens, as long as force majeure circumstances do not concern us personally, we are not interested in the situation.

However, very serious events have recently taken place in the banking system, which every depositor should be aware of. In just a month, the Bank of Russia revoked licenses from three banks that had so-called “notebooks”, i.e. off-balance sheet deposits. We are talking about LLC CB Miko-Bank, OJSC Joint Stock Commercial Bank Crossinvestbank, JSC Joint Stock Commercial Bank Stella-Bank, whose depositors did not find themselves in the Register for payment of insurance compensation.

Moreover, the scale of fraud is amazing, almost every depositor of these banks either did not find himself in the Register for payments at all, or the amount of insurance compensation due to him was noticeably different from the actual one:

In the case of Miko-Bank, the DIA stated that in general, all depositors of the bank's six additional offices are completely absent from the Register due to the dishonest work of bank employees:

And most importantly, for inclusion in the Register, the DIA sent Miko-Bank depositors straight to court. The DIA's official message to Krossinvestbank's depositors was not much different, where it was also stated that in the absence of data on the deposit in the Register, it is necessary to file a lawsuit in court to establish the composition and amount of claims against the bank.

The DIA statement on Stella-Bank differs somewhat from previous cases, the wording about the need for a trial has disappeared. But the DIA now requires original supporting documents:

A similar situation was with the “notebook” deposits of the Antala Group banks, where the depositors were included in the Register for payments without trial, based on the DIA analysis of supporting documents:

The DIA also demanded original documents from some depositors in Russtroybank (there were no notebooks, though, the DIA fought against fictitious deposits). As a result, the depositor's claims were included in the Register without trial:

True, it cannot be argued that the depositors of Stella-Bank were more fortunate than the depositors of Miko-Bank or Krossinvestbank, we will monitor the situation. In any case, it is not clear why the DIA behaves differently in such similar situations.

There is a very slippery point in providing the DIA with original supporting documents. If for some reason the originals of your supporting documents are lost, and the Bank (read, the DIA in the person of the temporary administration or bankruptcy trustee) refuses to include you in the Register for payment of insurance compensation, then there will simply be nothing to go to court with. Nothing can be proven in court without originals.

According to the feedback of Stella-Bank depositors, DIA employees say that the originals may not be handed over, but in this case you will be refused, and a court decision will be required to be included in the Register:

In general, so far we have the following: the depositors of Miko-Bank and Krossinvestbank were denied inclusion in the Register for insurance indemnity payments after filing an application for disagreement, which they made in the agent bank when trying to receive insurance indemnity. Stella-Bank's depositors are still waiting for action from the DIA.

How to prove the existence of a deposit in court

For many, the situation in which it is necessary to prove the presence of a deposit in court is absurd, because they have all the supporting documents, contracts, receipts, and extracts in their hands. In their opinion, it is already obvious that they are not scammers, but conscientious depositors, and the DIA is obliged to pay them insurance in the amount of 1.4 million rubles, since this right is guaranteed by the state.

However, you still have to prove that you are not a camel. There is no presumption of innocence in civil disputes; the claim that you are a bona fide depositor until someone proves otherwise is false.

Moreover, what is considered sufficient evidence and what is not, only the judge decides, and only for each specific case. Those. a depositor is never 100% sure that he will be able to prove the presence of a deposit, even if he has absolutely all the documents issued by the bank (deposit agreement, receipts, statements, certificates of the presence of a deposit). In addition, according to our legislation, the bank initially does not oblige anyone to put a seal on these documents.

So, what exactly do you need to do to include your requirements in the Register for the payment of insurance compensation.

First of all, you need to file a lawsuit. When drawing up a claim, you should decide on its content and decide to whom specifically to put forward your requirements.

In the statement of claim, it is necessary to indicate the name of the court, the plaintiff and the defendant, write what exactly the violation of rights consists of, the circumstances on which the plaintiff bases his claims, indicating the evidence of his position, the price of the claim and the calculation of claims (you can use), information about pre-trial settlement , if required, and a list of attached documents. The content of the claim must comply with Article 131 of the Civil Procedure Code of the Russian Federation:

BUT) Responsible - ASV.

The DIA pays insurance compensation in accordance with the Register of bank liabilities to depositors, which is compiled by the bank itself (Article 12 of the Federal Law of December 23, 2003 N 177-FZ (as amended on July 13, 2015) “On insurance of deposits of individuals in banks of the Russian Federation”):

In other words, from the point of view of the law on deposit insurance, the DIA operates within the framework of the law: not in the Register - refusal to pay. Therefore, claims directly to the DIA have very little chance. The Tagansky District Court takes the side of the DIA in almost all cases. You can verify this, for example, GAS "Justice" website. In the "search by cases and judicial acts" section, in the "Subject of the Russian Federation" field, select "Moscow", in the "court name" field - "Tagansky District Court", in the "participant in the process" field, enter "Deposit Insurance Agency", set the period you are interested in and estimate the number of refusals to satisfy claims against the DIA (here is a sample in general for all claims against the DIA, and not just for “notebook deposits”):

An appeal against the decisions of the Tagansky District Court in the Moscow City Court does not bring anything new to the plaintiff, almost always the Moscow City Court refuses to appeal against decisions and supports the position of the DIA.

We go to the website of the Moscow City Court in the section "Information on civil cases considered in the appellate instance of the Moscow City Court". We select the year, in the field "Court of First Instance" we enter "Tagansky District Court", in the field "participants" - "DIA":

However, it is still possible to file a lawsuit against the DIA, there are few winning cases, but they do exist. In this case, when drawing up a claim, the emphasis is on inaction on the part of the DIA, that, for example, it did not request the necessary documents from the bank (from the temporary administration). But, I repeat, in the Tagansky District Court very often decisions are made not in favor of depositors.

The amount of the fee for filing a claim with the DIA can be calculated, for example, on the website of the Moscow City Court in the section "State duty calculator" or directly on the website of the Tagansky District Court. We enter the amount of the claim in the appropriate field and get the amount of the state duty, for example, for a claim of 1.4 million rubles, the state duty will be 15,200 rubles.

Also keep in mind that there are categories of citizens who have benefits when applying to the Supreme Court of the Russian Federation, courts of general jurisdiction, and justices of the peace. You can view this information in the Tax Code of the Russian Federation (part two) dated 08/05/2000 N 117-FZ (as amended on 04/05/2016, as amended on 04/13/2016) (as amended and supplemented, entered into force from 05.05.2016), .

B) The defendant is a bank, DIA is a third party.

So, the bank, not the DIA, is to blame for the fact that you are not in the Register, therefore, you need to file a lawsuit against the bank with a non-property requirement to include you in the Register of the bank's obligations to depositors, the DIA will act as a 3rd person.

The claim is filed at the place of registration of the defendant, i.e. bank (in the case of Miko-Bank and Krossinvestbank, a lawsuit is filed with the Simonovsky District Court of Moscow). The state duty on a non-property claim is 300 rubles. It will be possible to track the progress of the claim directly Simonovsky court website .

Actually, this is exactly the option offered by the DIA, issuing a sample statement of claim to depositors who disagree with the amount of insurance compensation:

Please note that in the version of the statement of claim proposed by the DIA, before filing a claim, you need to wait for a negative response to the statement of disagreement with the amount of insurance compensation (it is drawn up directly at the agent bank, copies of the supporting documents you have are attached to it). In fact, you can file a lawsuit immediately after you find out that you are not in the Register, without waiting for a response from the DIA (in Miko-Bank, most depositors received a refusal from the DIA to file a complaint about the amount of the insurance payment, again on the grounds that there is no information about their contributions in the Register, despite the copies of the documents they have provided by the contributors). The procedure for pre-trial settlement of the issue is not mandatory (theoretically, the need for pre-trial settlement can be enshrined in the deposit agreement. However, such agreements, where it would be written that if the license is revoked from the bank and you are not included in the Register of Bank Obligations, the pre-trial procedure for resolving the dispute is necessary, I have not met).

The waiver looks like this:

If suddenly a miracle happens and the DIA pays you an insurance indemnity based on your statement of disagreement with the amount of the insurance indemnity, you can always withdraw your claim.

UPD: 05/13/2016
The Simonovsky court began to return claims with the wording: "the pre-trial procedure for resolving the dispute was not followed." For example, in the deposit agreement "Rozhdestvensky" ("Miko-bank") there is clause 6.1. on the mandatory pre-trial settlement procedure:

True, this item, in my opinion, is far-fetched, the requirement to be included in the Register is not a requirement within the framework of the deposit agreement.

For some depositors, claims were accepted without pre-trial settlement:

You can, of course, appeal the requirement for a pre-trial settlement, but it takes a long time. Still, it’s easier to play “according to the rules of the court” and write a claim to the head of the interim administration demanding to be included in the register, as well as request full information about the cash flow in your accounts. Sample documents can be downloaded below:

Here is the claim filed user with the nickname IYu1982 on the banki.ru portal (thank you very much for this):

Please note that in any case you keep the original documents with you, you attach copies of documents to the statement of claim (one copy for the court, the other for the defendant. If there are more than 1 defendant, then you need to attach additional sets of copies of documents), and you undertake to show the originals directly in court. Statements of claim, respectively, should be according to the number of persons participating in the case (court, defendant, third party). If you will submit the claim in person through the office of the court, then you need to take with you another copy of the statement of claim, on which you will be marked that the claim has been filed. You can also send a claim by registered mail with a description of the attachment and a return receipt.

It is worth noting that there are no two identical situations, so just copying a ready-made statement of claim is pointless, you need to draw up a claim individually for each case.

It should be noted that a non-property claim against a bank has a very serious drawback. Even if you win the court case, and the bank is obliged to include your deposit in the Register of the bank's obligations to depositors, the DIA may still not pay you insurance compensation for quite a long time, since the court did not directly oblige the DIA to pay you insurance. In addition, the bank itself may delay the implementation of the court decision and your inclusion in the Register. In other words, it is extremely difficult to achieve the fulfillment of non-property requirements.

IN) The defendants are the bank and the DIA.

It is also possible to file a lawsuit in which the Bank (represented by the temporary administration or the bankruptcy trustee) and the DIA will be co-respondents. Those. In your statement of claim, you ask the bank to include you in the Register, and the DIA to pay you insurance. In this case, the claim can also be filed with the Simonovsky District Court, at the location of one of the defendants (i.e., it is possible to avoid meeting with the Tagansky District Court, where the DIA has “everything under control”). The amount of the fee can also be calculated on the website of the Moscow City Court or directly on the website of the Simonovsky District Court, there you can also print the receipt for the payment of the fee.

If you have both the DIA and the Bank as defendants, then, in the event of a court decision in your favor, it will be faster to return your money, because. the court will oblige the DIA to pay you insurance (in the case of a non-property claim against the bank to include your claims in the Register, the DIA is a third party, and the court will not require anything from the DIA directly).

The variant of the claim, where the DIA and the Bank are co-defendants, can be seen below:

It must be borne in mind that there is no 100% guarantee of winning a case in court, so if any lawyer says that there is nothing to worry about, and he has no doubts about winning, you should at least be wary, but it’s better to look for another lawyer, who can tell you about all the risks. You also need to be patient, prove your case in court and return your money quickly will not work.

By the way, you should not be afraid of a large number of cases lost in disputes with the DIA, the statistics of won and lost cases do not show cases when the depositor's claims ended up in the Register during the course of the trial. Nobody needs negative statistics, especially the DIA, so the rights of the depositor are sometimes satisfied before the official decision of the court.

Everyone must decide for himself whether he can understand the laws and independently participate in the trial. In addition, you need to have enough free time to attend court hearings.

If you decide to resort to the help of professional lawyers (drafting a lawsuit costs about 3-6 thousand rubles, the services of a lawyer with full support of the case - 30-40 thousand rubles), it’s still better to understand the issue yourself a little so that no one hangs noodles on your ears .

Public response

In parallel with the quiet and measured upholding of one's rights in court, one can draw public attention to the problem. To coordinate their actions, the deceived depositors of Miko-Bank, Krossinvestbank, Stella-Bank created a Vkontakte group where you can get important information

Situations when the depositor is not satisfied with the amount of insurance compensation by the bank happen often. In this case, it is useful to have an idea of ​​​​how to find out about disagreement in the DIA. Since the number of applications that are submitted daily is about 1000, the waiting time for a decision is sometimes delayed up to 1.5 months. But it is impossible to answer the question exactly how long this will last, since it is not known how long applications of this kind will be submitted in the future.

If the depositor has claims regarding the amount of insurance compensation, he needs to apply with an application of a certain form to the Deposit Insurance Agency (DIA). In addition to the application itself, a small package of documents is needed:

  1. Contract.
  2. Incoming order.
  3. Account statements.

That is, any document that could confirm the requirements of the depositor.

Note! The disagreement form itself can be found on the DIA website in the "Forms" section.

The package of documents should be handed over to the representative of the agent bank that pays the funds. Another option is sending via the Russian Post to the address of the Agency.

  • Within 10 days from the date of receipt of the documents, the DIA submits them to the bank for consideration.
  • The financial institution has 10 more days to make adjustments to the register of bank liabilities.
  • After that, the bank itself has 10 days to inform the DIA about the results of the review.
  • The DIA has 5 more days to report the results to the contributor.

The decision of the bank can be in the following form:

  1. Accept the claim and pay the refund amount.
  2. Refuse refund. In this case, the depositor has the right to file a lawsuit in court.

Find out the status

You can find out at what stage of the consideration of the application on the DIA website in the "" section. Enter the following information in the appropriate lines:

  • Bank.
  • Surname.
  • Middle name is optional.
  • Series and number of the passport.
  • Captcha - necessary to confirm that the system is not a robot.
  • Be sure to check the box for consent to the processing of personal data via the Internet.

Important! It is worth noting that when sending information through this form through unsecured channels, which can lead to the acquisition of them by third parties.

Output

It is easy to find out the status of your application. You just need to have all the necessary details and access to the Internet.

The situation when a person finds out that his deposit is not on the bank's balance sheet is not so rare. This is evidenced by the numerous stories of depositors whose money was off the balance sheet, for example, Mosoblbank, Master Bank, Probusinessbank, Russian Credit Bank and others: their deposits were not included in the register of depositors for payments by the Deposit Insurance Agency (DIA) or they may be returned a smaller amount.

It is possible to find out how much a depositor of a bank without a license will receive only after the DIA starts paying out through an agent bank. When submitting an application for insurance indemnity, the client will see an extract from the register of obligations indicating the amount of his deposit.

What to do if your contribution was not listed in the register or a smaller amount of compensation is indicated?

If the amount is less than the amount of the deposit or the depositor is not on the list at all, he should write a statement of disagreement and attach documents confirming his words. The application can be submitted to the DIA independently or sent through an agent bank that will make payments.

What documents can be proof of the presence of a deposit and its exact amount?

This is a bank deposit agreement, savings book, cash receipt order, account statements.

The application must be accompanied by the originals of all these documents, not their copies. You also need to have your passport with you.

What to do if the depositor lost

or did not keep these documents?

Unfortunately, in this case, there is a high probability that the depositor will not be able to prove his case and he will be left with nothing. The only way out for a bank client with a revoked license, who was not included in the register of payments, and even lost the deposit agreement, is to go to court.

It is very important to keep the agreement and all documents, including checks after each deposit replenishment, until the deposit is closed. It would also be useful to ask the bank for an account statement certified by a seal every few months.

How long does it take for the DIA to review a complaint?

On average, a depositor’s statement of disagreement is considered within two to three weeks: during this period, the DIA will send a request to the bank, analyze the bank’s accounting data, check the documents and, based on the results of these actions, decide whether to include the depositor or the unrecorded amount of his contribution in the register or not .

How to find out about the ASV solution?

You can get data on the status of consideration of your application using a special online service on the DIA website (http://www.asv.org.ru/insurance/claim/), where you need to fill out a simple form indicating your full name. and passport information. If the decision has already been made, then you can find out about it using another service - in the "Insured events" section, by selecting the desired bank.

What should I do if the DIA has rejected the statement of disagreement?

The DIA may refuse if the depositor has provided a deposit agreement concluded in a non-standard form, or does not have supporting documents at all. The agency's decision can only be appealed in court.

What do you recommend?

When opening a deposit, you are obliged to receive an agreement and a cash receipt order from the bank for depositing money into the account or a payment order for a cashless transfer of money. These documents must be signed and stamped by the bank.

Demand a certified copy of the power of attorney of the bank employee who signs the agreement with you: it must indicate his authority to conclude deposit agreements.

All deposit opening operations must be performed at the bank premises, and funds must be deposited at the bank cash desk. All this will eliminate the risk of recognizing you as an unscrupulous depositor.

The DIA is trying by all means to delay payments to affected depositors.

Depositors of banks whose licenses were revoked by the Bank of Russia this fall have to remember how to fight for their money, although it seemed to everyone that they were protected by a special law on deposit insurance. Bank clients are again united in unions and committees, write collective and individual letters, complain and demand. And all this is due to the fact that the deposit insurance system, which seemed perfect and devoid of the human factor, has ceased to work normally in terms of data transmission. Now depositors, for the most part, elderly and not very healthy people, walk through the November slush to various authorities, for more than a month now, anxiously awaiting a decision on their fate.

According to forums and social networks, which have become for depositors of a number of banks (Rosinter, Arks-bank, VPB and others) platforms for discussing pressing problems, depositors face almost the same difficulties - full or partial write-off of funds from deposits. Why, it would seem, the perfect mechanism for reimbursement of insurance payments on deposits fails, no one can answer.

The management of banks with revoked licenses was removed from the management of credit institutions after the entry into them of a temporary administration under the leadership of the DIA. Employees in full subordination of the interim administration and under pain of dismissal without severance pay cannot communicate with customers without the appropriate permissions. The interim administration is unavailable due to "getting on track". Such a vicious circle of silence forces depositors to look for other legal ways to protect their rights.

Thus, according to groups of contributors in the VKontakte network, many people who discovered the absence of data on their deposits or a decrease in the amount began to write statements of disagreement in the DIA. By law, such disagreements must be considered on a mandatory basis and within 30 days they must be answered in a meaningful way. "Write a statement of disagreement with the amount of the contribution to the DIA. By law, the Agency has 30 days to consider your application. After the deadline, you can file a lawsuit, even if you have not received a response from the DIA yet," advises financial consultant Ekaterina Baeva. Depositors of some banks have created an autonomous contact center, by calling which you can leave an application for a collective appeal to the temporary administration of the bank to receive the missing documents on the deposit.

A prerequisite is the delivery in person to the office of the DIA against signature or sending by registered mail with acknowledgment of receipt. After the expiration of 30 days from the date of receipt of such applications, if no response is received, then you can go to court on 2 facts - violation of the deadlines for responding to an official request and to restore the contributor in the register for reimbursement. It is also worth going to court with a negative answer, if the depositor has all the documents on opening a deposit.

They know about the regulations in the DIA. Therefore, apparently unable to cope with the wave of appeals, they started a bureaucratic game with delaying the process of returning money to the affected depositors. Constantly there are some multidirectional changes in the registry. For example, a person is issued a certificate that he was included in the register, he applies to the agent bank for a payment, but he is not there again. Refusal. The depositor appeals to the DIA again, they answer him - wait, the response time has not come out, there is a lot of work. This is how unfortunate people toil between the state agency and agent banks in search of their money. Or, for example, what is the idea of ​​DIA with writing statements that the client did not withdraw money from his deposit. But these applications will be considered for 25 working days and this is again delays, nerves, tears of people.

How such a "system failure" became possible can now only be guessed at. Why has it not been possible to regulate the procedure for transferring correct depositor registers over the 12 years of the DIA’s existence, why banks with revoked or suspended licenses are first disconnected from the Automated Banking System and then required to transfer depositor registers, exactly how and in what form the data on depositors is transferred to banks -agents? Apparently, the leadership of the Bank of Russia also did not find answers to these questions. The conclusion about the competence of a number of high-ranking officials was personnel reshuffling in the "profile" bloc both in the Central Bank itself and in the DIA.

And now the new leaders of the blocks will have to deal with the situation in a fire order. And not only with depositors, but also with shareholders and heads of banks who dispute the valuation of the assets of their organizations at the time of revocation of the license. After all, according to the law, it is the assets that must cover the obligations, first of all, to the depositors. It can be assumed that, trying to reduce the requirements of depositors to the DIA and reducing the value of assets, the DIA is clumsily trying not to upset the Bank of Russia, which, according to various estimates, already owes from 1.2 to 1.8 trillion rubles for banks that are being rehabilitated and bankrupt. The question arises - is the recent introduction of 200 and 2000 ruble bills not caused by serious obligations to citizens and not provoked by earlier mistakes? And what will actually happen to inflation and exchange rates then? Isn't it too expensive to pay not only depositors who lose money, but also all the inhabitants of the country for the miscalculations of individual officials?

“We all know that the Central Bank has to print money for the DIA. This is simply necessary to cover the realized risks,” Nikolay Kashcheev, director of research and analytics at Promsvyazbank, said earlier to one of the specialized portals. “We believe that the monetary policy of the Central Bank will remain moderate tough for the next year or two."

But back to investors. Here are some quotes from social media:

“Out of 446,000, I received only 26. The thought immediately crept in that the DIA was sick. When the temporary administration was introduced, the money was in the Internet bank, and I took statements. But for some reason they were not in the DIA register,” says Nikolai T.

“I replenished the deposit on the third of September. The amount (of the deposit) coincided, but you still have to write a statement of disagreement. It is not clear on the basis of what the DIA decided to pinch 19 thousand rubles from me (from the accrued interest). They explained to me over the phone that these are obligations to the bank. What are the obligations? I didn’t take loans there. And in front of me, a man also wrote a statement of disagreement. In general, this epic seems to be for a long time, "- Anastasia Kh.

“In my presence, my grandmother tried to understand where her account for 900 thousand had gone. They gave it away for 400, but there was simply no second,” a former bank depositor observed this picture while receiving a refund at Rosselkhozbank. “They gladly transferred these 400 to a deposit, saying that "money should be kept only in the "savings bank", then nothing will be lost."

“Personally, I have only 80,000 rubles from the deposit amount of 800 thousand rubles in the DIA register. But I know cases when the accounts turned out to be empty at all,” the depositor complains.

“It’s just some kind of horror! I was hoping to withdraw money and pay taxes, put it aside to pay for my child’s education, buy gifts for my parents for the new year. They don’t return my money to me, but taxes, tariffs and prices are growing! passed, you can mock the people," the woman expresses herself emotionally with tears in her eyes.

It would seem that there are not many depositors who have inconsistencies in the register in each of the banks - 2-6 thousand people. But if they unite and apply for rallies of disagreement with the decision of the DIA in front of the Ministry of Finance and the Central Bank, as it happened repeatedly in 1998 and 2008, then, perhaps, in the pre-election year, the future presidential company may face a negative social background in one among the most sensitive groups are the elderly, who have entrusted their "coffin" to a system that cannot protect them even if there is a clear law "On deposit insurance".