Bank "Fires of Moscow": reviews. Reliability of the "Moscow Lights" bank

Commercial Bank "Fires of Moscow" began its activity in the territory of the Russian Federation in 1993, when it received a license to conduct banking operations, and seven years later - to attract deposits from individuals. Membership in SWIFT, Association of Russian Banks and ARBK testifies to the high level of professionalism. For a long time, the financial institution provided a wide range of services to legal entities and individuals. But in February this year, he began to have problems.

First information about the problems

In April of this year, it was announced that the deposits in the Moscow Lights had been suspended . The bank of the problem explained by technical difficulties. It was announced that a new deposit program is being developed, so the acceptance of deposits is temporarily suspended. Also, the credit institution did not carry out transactions between legal entities and individuals. Despite the official announcement, even then there were rumors that the problems were related to the ban of the Central Bank.

In February 2014, a planned inspection of the Central Bank was carried out, according to the results of which restrictions were introduced. 12 million rubles - the maximum permissible total amount of deposits attracted to the "Moscow Lights" bank. The rating of the credit institution up to this point was rather low. The bank was in the second hundred (172nd) in terms of assets. In the first quarter of 2013, it received 142 million profit, and for the same period of this year - 57 million losses. As a result, two branches were closed - in Dubna and Podolsk - because of unprofitability. After this message, the reliability of the "Moscow Lights" bank in the eyes of many customers has dropped dramatically.

Revoking a license

On May 16, 2014, the Bank of Russia announced the revocation of the license from two metropolitan credit institutions. One of them is the "Moscow Lights" bank. The license was withdrawn due to repeated non-compliance with rules and regulations. At the same time it was announced that the deposits will be paid no later than May 27. This decision was made by the Insurance Deposit Agency (DIA). For the participants of this system, revocation of the license is an insurance event. Under the agreement, the depositor has the right to 100% refund of the deposit, but the total amount of compensation should not exceed seven hundred thousand rubles. Former clients of the credit institution began to be actively interested in the register for receiving insurance payments.

Problems with DIA on the return of deposits

Not all former clients of the bank saw themselves in the lists for compensation payments. Many claimed that they were denied payment due to the fact that their names were not in the bank's deposit register. As it turned out later, transactions were conducted without notifying customers of the closure of accounts. Responsible in these frauds - the Bank "Lights of Moscow". Customer feedback on the forums is confirmed. In the hands of depositors there are extracts that prove that they did not consent to such operations.

There must always be an exit

Despite the cancellation of contracts unilaterally, the bank accrued interest on deposits, so some funds can be withdrawn. The rest remains to wait for the decision of the DIA. The agency was informed that they are actively working to resolve this issue, and there should be no problems with compensation. Claims for payment of insurance compensation may be submitted within two years. This is the average period of liquidation of banks.

To those investors who did not initially find themselves in the register of compensation payments, lawyers recommend adhering to the following procedure. To begin, write an application to the DIA to include in the register of insurance payments. Next, you need to write a statement to the police about the situation and file a lawsuit. If within 30 calendar days the DIA does not give an answer, then you should file a second claim - already on the agency. This procedure should not be neglected. This may be the only way to return the funds invested in the bank "Lights of Moscow". Reviews of former depositors of "Master Bank", whose license was revoked in December 2013, is only confirmed. Many of the clients still can not get an answer from the DIA.

Bank "Fires of Moscow": customer feedback on the procedure for refunding money

Compensatory payment can be obtained through the branch of Sberbank. The financial institution returns the funds strictly according to the DIA registry. The bank is also an intermediary between the client and the DIA in the event that your data is not in the register. Directly in the office of the organization you can write an application and provide all the necessary documents for inclusion in the register.

After checking the "Moscow Lights", a number of operations were found that were not displayed 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 the signing of contracts with the client and the depositing of money into the account by the depositor transferred funds to the accounts of related companies at night on the same day. About such operations, customers, if they did, only by chance. The second bank had a separate group of VIP-investors, whose funds did not pass through the cash register.

What to do to customers with a deposit amount of more than 700 thousand rubles

The requirements of clients who made deposits to the amount of more than 700 thousand rubles to the "Moscow Lights" bank must be satisfied first of all. After the license is revoked, the Bank of Russia appoints an interim administration, which will manage the credit institution before the court's decision to commence the liquidation procedure.

To present their claims, creditors (former depositors of the bank) must write a written application, indicate in it the amount and details for the transfer of funds. The application must be accompanied by copies or originals of supporting documents. It can be:

• Contract with the bank;
• A court decision that came into force;
• Documents that confirm transactions to an account with a credit institution;
• An extract from the account with indication of the balance, preferably at the date of revocation of the license;
• Other supporting documents.

Terms of the procedure for the return of money

The interim administration shall, within thirty days from the receipt of the application, notify the applicant of the inclusion of its requirements in the register (in whole or in part) or about the refusal. The latter can be closed no earlier than 60 days after the publication of a notice on the liquidation of a credit institution in the newspaper Vesti Bank of Russia. The exact date of register closure will be indicated in the ad itself.

The order of satisfaction of customers' requirements is as follows. First of all, individuals are serviced who have concluded bank deposit agreements, and liabilities that result from harming life or health are met. Further - the requirements of the Bank of Russia, the obligation to pay severance pay, according to the employment contract. Each subsequent set of requirements is met after full fulfillment of obligations under the previous one.

Summary

Earlier it was reported that the DIA could not find evidence that more than two thousand customers had deposited a total of one billion rubles in the bank "Lights of Moscow." The testimonials of customers who were depositors of banks, who also withdrew the license, confirm that the procedure for the return of funds is quite long. To begin with, you need to collect all the documents that confirm the fact of investing. With these securities, you need to contact Sberbank for an insurance payment. If your name is not found in the DIA registry, you can directly write through the Sberbank to the association and then wait for their resolution.