Some banks are very reluctant to part with the amounts invested by clients, especially when they are withdrawn ahead of schedule. If you needed to withdraw your deposit from the bank earlier than stipulated by the documents, you have the right to return the money upon termination of the contract.
Instructions
Step 1
The relationship between the bank and the client is governed by Part 2 of Ch. 44 of the Civil Code of the Russian Federation. It says that regardless of the type of deposit, the bank is obliged to return the depositor the amount of his deposit on demand. In this case, the type of contribution is completely unimportant. But you should know that you lose the interest set by this type of deposit. In this case, only those interests can be accrued on the amount of the deposit, which meet the conditions of the deposit "on demand". They tend to be the lowest of all types of deposits.
Step 2
The basis for the termination of the contract is your application. Write it to the name of the bank manager. Write the text of the application in any form. Print it in 2 copies and take it to the bank. On your copy, the bank employee must put a mark that the application was accepted and indicate the date of acceptance. Art. 859 of the Civil Code of the Russian Federation establishes a seven-day period for refunding money after the bank has accepted your application. If a bank employee refuses to accept your application or put a mark on registration, send this document to the bank's address by registered mail with notification.
Step 3
In the event that there was no reaction to your application and a week later you did not receive an invitation to come to the bank for money, file a complaint with the Central Bank of the Russian Federation. Attach a copy of your application with the date of acceptance stamped to your complaint, or a copy of the acknowledgment of receipt if the application was sent by mail. In the event that your bank has refused you in writing, please attach a copy of this refusal. The central bank is obliged to consider your complaint, deal with the situation and notify you of the results of the proceedings.
Step 4
In parallel with the appeal to the Central Bank, apply to the court at the place of legal registration of the bank. In the application, refer to Art. 44 of the Civil Code of the Russian Federation and demand the fulfillment of the bank's obligations. In this case, you have the right to demand not only the return of the deposit amount, but also compensation for moral damage. Go to court only after receiving a written refusal from the bank or if the seven-day payment deadline is not observed.
