The financial situation today is unstable, therefore, situations often arise when banks refuse to return a deposit. Our legal ignorance can play a cruel joke on us: in a panic, mistakes can be made. Let's get ready for the situation and find out how to get the deposit back from the bank.
It is necessary
Statement, claim
Instructions
Step 1
Banks with financial problems are becoming more common. We open a legal banking educational program.
Problems with the return of a bank deposit are possible in three cases:
1. The bank's license was revoked.
2. The bank delays the payment of the deposit or postpones it in time.
3. Return of Soviet bank deposits of Sberbank.
Step 2
If your bank's license has been revoked
The first thing that comes to mind in a situation like this: the deposit is insured. If your case is eligible for insurance, it's already quieter: you need to apply for insurance compensation for the deposit at the place of insurance. The amount of compensation cannot exceed 700 thousand rubles.
Step 3
What not to do: do not give the bank original documents for bank debts and do not terminate the deposit ahead of schedule. By doing this, you relieve the bank from the responsibility of calculating interest on your deposit, i.e. losing your money.
Step 4
If the bank delays the issue of the deposit or issues it partially
There is only one way out - submit an application to the bank with a request for the issuance of a deposit (leave the second copy of the application with the incoming bank mark to yourself as proof of your actions). If the bank refused to issue a deposit or there is no answer at all, contact the Central Bank of the Russian Federation with a complaint.
Step 5
The last action to return the deposit is a lawsuit: you need to challenge the illegal actions of the bank. As a rule, the conflict is settled by the bank before the trial, because the depositor has a 100% guarantee to win the court session.
Step 6
How to return the Soviet deposit of Sberbank
This information is owned only by Sberbank of Russia - they have clear payment plans for these deposits. All that is required from you is a statement.
