Recently, cases of blocking of funds of individuals who were convicted or suspected of extremist activities.At the same time, under the distribution fell as "salary" and "social" card.What clients who have frozen the bank account?
legislation
Legal framework laid down in the Federal Law № 115 "On Combating Money Laundering".In Part 1 of Art.7 of the document stated that banks are required to freeze the funds of persons suspected of involvement in extremist activities.At the same time the basis for inclusion of a person in such a list is a relevant court decision.Otherwise, do not worry about that, freeze any bank accounts.Commercial organizations perform these operations without communicating with the client, based on the introduction of its data in the list of suspects.Practice shows that the complaints and appeals process does not result in the release of funds.
Roughly speaking, the law prohibits the "suspect" to use money belonging to him.But in the same document states that benefits and pensions, which are guaranteed by the state, as well as salaries, which are governed by the Labour Code, shall not be subject to the law.But experience shows that if a frozen bank account, then the person will not get access to them until they will be excluded from the list of Federal Financial Monitoring Service.The source of funds is not taken into account.
bank froze the account: what to do?
In accordance with the "Regulations on the rules of the transfer 'benefits guaranteed by the state, that the elderly receive in the mail, do not apply to non-cash settlements.Another thing is that many pensioners today receive money on the card of the credit institution.If such a man froze a bank account, you need to write a letter to the department asking FS to deliver benefits through the postal organization.If the address does not match the registration place of residence, then that information is also necessary to convey to the public body.
for "extremists" who receive cash benefits through the Social Insurance Fund ("fiat", "hospital", etc.), you must perform the same action: to write an application to the Fund of Social Security with a request to receive payments through the maildepartment.Then it does not matter whether the freeze bank accounts.Guaranteed state money a person will still receive.
If that does not work
Firstly, it must be remembered that the non-receipt of benefits for 6 months in a row results in the suspension of payments.Therefore, if the above-described scheme has not worked, you should immediately contact the branch of the public agency at the place of service, and to report on this issue.In practice, such cases have not yet been.
not give salary
This problem is solved faster.In the Labour Code states that remuneration is paid at the place of work in cash.Transfer of funds to the card must be justified appropriate statement or contract of employment.Therefore, if a frozen bank account, in the first case you need to write an application addressed to the employer asking to get paid from the cash businesses.For a copy of the paper indicates the number and the date of fixing.The application can also be sent by registered letter with acknowledgment of receipt.In the second case you need to write a paper to the Director with a request to make changes to a particular item of TC last version.To it is applied draft additional agreement, the text of the amended paragraph.The employer has the right to refuse the employee in the request.Then you need to close the "salary" account.The employer can not fulfill its duty and will be forced to sign a supplementary agreement.In an extreme case, it is necessary to go to court.Such a decision would clearly have implications for the employee.
Abroad has its own rules
few months ago, the Spanish authorities have closed access to the means of the Russians.Why banks froze the accounts?Citizens of the Russian Federation is not time to explain the origin of capital.According to the law of the country, foreigners are required to prove the appearance of revenue invested in real estate or assets.Under the sanctions were people who just did not respond to requests of the authorities.The government is also committed to declare the property outside of Spain.Violators face a fine of 10 thousand. Euro.But many victims do not even try to correct the situation, because they are afraid to request such help in Russia.
What is the reason
Persons belonging to the category of "rich" must pay the difference between the income tax in the Russian Federation and Spain.A is 13% and 52% respectively.The basis for calculation is the income statement.Hence, any problems.If a person has frozen the bank account to recover access to the means necessary to bring a certificate, respectively, to notify the authorities about the ownership of property abroad to pay tax in the Russian Federation and Spain, the difference to the budget.
Conclusion
Rosfinmonitoring is a list of persons who are suspected of carrying out extremist activity or terrorism.He regularly review credit institutions, and the matching block access to the media.At the same time fall under the distribution of all revenues at stake.The good news is that people can regain access to pensions, benefits and wages.Which banks have frozen the account in this case does not matter.These payments are guaranteed by the state and the labor code, and therefore the scope of the law on money laundering do not fall.
