Commercial Bank "Moscow Lights" began its activity in the territory of the Russian Federation in 1993, when he received a license to conduct banking operations, and after seven years - to attract deposits of individuals.The high level of professionalism evidenced by the membership of SWIFT, the Association of Russian Banks and ARBK.For a long time the financial institution offers a wide range of services to businesses and individuals.But in February this year, he started having problems.
first information about the problems
In April this year, announced the suspension of accepting deposits in the "Lights of Moscow".The Bank issues explained the technical difficulties.It was announced that developed a new deposit program, so accepting deposits temporarily suspended.Also, the credit institution does not make transactions between legal entities and individuals.Despite the official statement, already rumors that the problems were related to the prohibition of the Central Bank.
in February 2014 was carried out routine checks of the Central Bank, the results of which restrictions were imposed.12 million rubles - the maximum permitted total amount of deposits in the bank "Moscow Lights".Rating the credit institution up to this point has been quite low.The bank was in the second hundred (172 th) in terms of assets.During the first quarter of 2013 he received 142 million profit, and for the same period this year - 57 million of losses.As a result, two branches were closed - in Dubna and Podolsk - due to unprofitability.After this message, the reliability of the bank's "Lights of Moscow" in the eyes of many customers has fallen sharply.
license
Reviewed May 16, 2014 The Bank of Russia announced the withdrawal of the license of the two capital of credit institutions.One of them - the bank "Moscow Lights".The license was revoked due to the repeated non-compliance with rules and regulations.At the same time it was announced that the contributions will be paid no later than 27 May.This decision was taken by the Agency Deposit Insurance (DIA).For members of said system is license revocation insurance case.Under the contract the investor is entitled to 100% reimbursement of the deposit, but the total amount of compensation shall not exceed seven hundred thousand.Former clients of the credit organization have been actively interested in the registry to receive insurance payments.
Problems with the return of deposits in the DIA
Not all former clients of the bank found themselves on the list for compensation.Many claimed that they were denied the payment due to the fact that their names were not in the register of banking deposits.As it turned out, a transaction carried out without notifying the customers about the closing of the accounts.Responsible in these machinations - Bank "Moscow Lights".Customer reviews on forums confirm this.In the hands of depositors have statements that prove that they did not give consent for such operations.
There should always be a way
Despite the termination of the contract unilaterally, Bank pays interest on deposits, so the funds can be removed.The rest have to wait for the decision of DIA.The agency reported that are actively working to resolve the issue, and the problem with the payment should not be.Applications for payment of insurance compensation may be brought within two years.This is the average life of bank liquidation.
But investors who initially did not find itself in the registry of compensation, lawyers recommend the following procedure.To start to write a statement to the DIA for inclusion in the register of insurance payments.Next you need to write a statement to the police about this situation and submit a claim to court.If, within 30 calendar days of the DIA will not answer, you should file a second lawsuit - this time on the agency.This procedure should not be neglected.This may be the only way to recover the funds invested in the bank "Moscow Lights".Reviews of former depositors "Master-Bank", which withdrew the license in December 2013, it only confirms.Many customers still can not receive the response from the DIA.
Bank "Moscow Lights": customer reviews on procedure Refund
compensatory payments may be obtained through a branch of the Savings Bank.The financial institution returns the funds strictly on the roster DIA.The Bank is an intermediary between the client and the DIA if your data is not in the registry.Right in the department of the organization, you can write an application and submit all necessary documents to the roster.
After checking "Lights of Moscow" was found a number of operations that do not appear in the balance sheet and are absent in the banking system.This scheme is very similar to the situation with MOSOBLBANK and "Master-Bank".The first after signing the contract with the client and make the investor money into the account listed at night the same day to the accounts of related companies.On such operations and customers if they learned it was only by chance.The second bank was a separate VIP-group of investors whose funds do not pass through the general treasury.
What to do with the amount of customers deposit more than 700 thousand rubles
requirements of customers who have made the bank "Moscow Lights" contributions in the amount of 700 thousand rubles, to be satisfied first.After the withdrawal of the license the Bank of Russia appoints interim administration that will manage the credit institution before the court decision on the initiation of liquidation.
for filing their claims of creditors (the former depositors of the bank) must write a written statement, the sum specified therein and the details for the transfer of funds.The request must attach copies or originals of supporting documents.It can be:
- agreement with the bank;
- came into force a court decision;
- documents confirming the transaction to the account of a credit institution;
- account statement indicating the balance, preferably at the date of revocation of the license;
- other supporting documents.
Terms procedures for repayment of money
Interim Administration within thirty days from the date of receipt of the application shall inform the applicant of its requirements for inclusion in the register (wholly or partly) or to refuse.The latter may be closed no earlier than 60 days after publication of the notice of liquidation of the credit institution in the newspaper "News of the Bank of Russia."The exact date of the record will be indicated in the declaration.
order of customer satisfaction as follows.First served for individuals who have signed the contract of bank deposit and meet the obligations arising out of harm to life or health.Next - the requirements of the Bank of Russia, the obligation to pay severance benefits, according to the labor contract.Each subsequent group of requirements is satisfied after the full implementation of the commitments of the previous one.
Summary
Earlier it was reported that DIA could not find evidence that more than two thousand customers made deposits totaling one billion rubles in the bank "Moscow Lights".Guest, the former depositors of banks that have also withdrawn the license confirms that the procedure for the return of funds for some time.First, you need to collect all the documents proving that investment.With these transactions should contact the Savings Bank for insurance payment.If your last name in the register of the DIA is not found, you can directly through the Savings Bank to write a statement of the association and then wait for their decision.
