Even if your bank is already controlled by the temporary administration, this does not mean that it is impossible to get your savings out of the bank. It's just that in each case you need to apply all possible methods. Of course, it is better to seek the help of a lawyer to choose the best option. As soon as you hear about the problems in your bank, withdraw the deposit without waiting for a temporary supervisory authority to be introduced.
Instructions
Step 1
Method 1. File a lawsuit. Even in the case of a moratorium on the issuance of deposits, there are a number of loopholes in the legislation that allow you to draw out savings. Although banks are trying to delay the consideration of the case in court, they file appeals to higher authorities, article 85 of the Law on Banks and Banking gives depositors a real chance to get their money back. The article stipulates that the impact of the moratorium is not extended to the satisfaction of creditors' claims arising in connection with the bank's obligations during the period of the temporary administration.
Step 2
Method 2. Open an account with another bank, then ask your bank to transfer the amount from the deposit to the new account by bank transfer. This will work if interim control has not been entered yet.
Step 3
Method 3. Take a medical certificate about a serious illness that requires a serious amount for treatment. At the beginning of the crisis, a large number of creditors managed to withdraw their investments through fake certificates. Today, the relevant services carefully check the information. Although they still pay hospital bills from deposits. The fact is that there is a certain list of diseases, approved by the ministry, for which the bank is obliged to issue a deposit, bypassing the conditions of the moratorium. So, when resorting to this option, remember that your application will be considered on a case-by-case basis.
Step 4
Method 4. Exchange the deposit for a loan. It will work if you take out a loan from the same bank where your deposit is. Usually, such agreements go through without problems on the part of the bank. Another thing is to repay other people's loans. This is a very dangerous combination that has gone into the arsenal of scammers. You, as a problematic depositor, will be offered to repay someone's loan at the expense of your deposit and will promise to give cash, albeit without bank interest. Then these people will hide from your city, and you will not see the miserable amount in your bank account. If the loan belongs to another person, at least you need to conclude a corresponding agreement.
Step 5
Method 5. Exchange the deposit for collateral, which the state confiscated from the debtors. It is especially easy to pull off such an operation with banks that have participated in construction projects. Now they are taking away unpaid apartments everywhere.
Step 6
Method 6. The most complicated and new scheme is to repay the developer's loan to the bank by exchanging his apartments for customer deposits.
