Domestic financial organizations want to write off commissions and payments on loans from clients' accounts if they do not get in touch and banks cannot update information about them. This initiative, as Izvestia writes, belongs to the Absolut Bank. It has already been supported by Rosselkhozbank, Unicredit Bank, Rosbank.
What does it mean?
According to the so-called "anti-money laundering" law, each bank must update the passport data of its clients at least once a year. If a credit institution doubts the reliability of information about a depositor, borrower or salary client, it must contact the citizen within seven working days after doubts arise and clarify his data.
Banks are unhappy that they have no right to write off funds from a client's account, for example, for servicing a card, if his identification data has not been updated for more than a year. Financial organizations argue that the inability to write off money from "dormant" accounts is inconvenient for banks, since they lose money, and for clients - they accumulate debt.
On the other hand, it is difficult to imagine this mechanism in action: if the borrower stops making monthly payments on the loan, the bank is instantly connected by all available means (often all at once): the citizen starts to call from the service of overdue debts, send SMS messages, registered and e-mails. The non-updated personal data of the problem borrower does not prevent the credit institution from collecting the debt: in the end, the bank will go to court, which will allow the financial institution to write off money from any account of the debtor. This condition is spelled out in every loan agreement.
In addition, as a bank employee from the top 10 told AiF.ru, credit institutions rarely "doubt" the reliability of customer identification data and update them automatically. “Have you ever received a call from the bank asking you to confirm your passport details? Only fraudsters were interested in my passport details, ”she sneers.
Can the bank withdraw the deposit?
Our reader Helen a few years ago, she opened a deposit in one of the capital's banks: she does not withdraw money from it, but does not replenish it, and the financial institution silently prolongs the deposit when its validity period comes to an end. The bank has never contacted Elena to clarify her personal data. And can he withdraw the contribution of our reader?
According to lawyer Svetlana Burtseva, a financial organization has no right to misappropriate the money of its depositors, even if they do not remind of themselves in any way: the Constitution of the Russian Federation guarantees the right of ownership, and deposits are the same property as, for example, a summer residence or a car.
"Unclaimed deposits, which have been in the accounts of citizens for decades, can in fact be transferred to the bank, since after the expiration of time they are credited to the account" on demand "and can be stored indefinitely," explains Burtseva. However, as soon as the depositor wants to withdraw his money, the bank has no right to refuse to issue it.