"Consent" (NPF): feedback from customers and employees. OAO APF "Soglasie" - how to terminate the contract?

The non-state pension fund "Soglasie" in the insurance services market has functioned since 1994, and over this time its clients have become more than 176 thousand people. Since 2010, in addition to pension agreements, OAO NPF Soglasie has provided insurance and indexing services for future accumulations under the OPS. How did this happen? In 2011, the yield of APF Soglasie was the highest in the country - over 33%. In 2015, the company terminated its pension and insurance operations as a result of the cancellation of the license by the Central Bank. Until that time, customer feedback was negative about the activities of Soglasie (APF) due to the overly commercial policy of the management, whose main goal was only sales of insurance products.

Information about the company

For 22 years of experience in the pension and insurance services market, OAO NPF Soglasie has gained wide popularity among customers and competitors, thanks to the company's active policy to conclude new contracts. Pension savings of depositors were protected by the deposit insurance system, that is, customers had a guarantee of 100% recovery of the funded part upon retirement.

For all the time of existence of the organization more than 176 thousand people have transferred their savings to APF "Soglasie". The address of the company (head office of Moscow), the official website and additional offices from 2015 to the present, do not respond to customer requests and are not relevant. It is worth pondering why it happened.

Despite the fact that last year the license was already withdrawn from APP "Soglasie", at the end of 2014, 29 people managed to receive payments under the agreement of the TSO in the amount of 858.61 thousand rubles. Under contracts providing the indexation of additional insurance premiums on non-government provision, payments were made to 1,168 clients in the amount of over 3,170,000 rubles.

Lump-sum payments, taking into account high indexation, represent fulfillment of obligations to depositors, and in the framework of activities this is almost a unique case for the firm, since in the majority of its reviews about the "consolations" of the company "Soglasie" (NPF), the reviews of investors are far from flattering.

Participation in ranking of expert agencies

Taking part in the ratings of independent expert services, the companies count on the fact that they can confirm their solvency and the ability to answer for obligations to depositors. In addition, a high level speaks of a stable financial position and increases the loyalty of the clients of the fund and potential insurers, who are more likely to contact the audited organization.

In 2014, an influential Ranking firm "Expert RA" awarded APF "Soglasie" a high reliability rating - A. The following year, this indicator was confirmed until the fund was revoked a license to provide pension services. The basis for such a decision of the Central Bank, as a rule, is a gross violation of the terms of the pension insurance contract by the Fund - insufficient financial coverage ensuring future payments to depositors who entrusted indexation of the company's pension savings, complaints from customers, untimely transfer of information about the firm's activities.

The policy of the fund, which provides for an active increase in customers, was directly aimed at attracting new investors by any means, due to which the majority of negative reviews about OAO NPF Soglasie.

Private office of NPF Soglasie

Unlike other funds that provide information to depositors only on a personal visit to the office or via e-mail, the non-governmental fund "Soglasie" has a remote access channel to the state of the pension savings of the client - the "Pension terminal" of the depositor.

In order to find out the information on pension savings, the client needs to register at the NPF's website, filling in the necessary data about himself (name, passport, SNILS, etc.). After registration, the client can receive information on the status of the account online. In addition, the user can connect an SMS-mailing, which will notify about each new receipt of funds and change of account. The depositors, who transferred the funded part of the card to the entrance to the "Pension Terminal" from the fund, are satisfied with the service. This is a rare case when the clients' reviews were of an advisory nature about the activities of OAO NPF Soglasie.

Opinion from within. Work in APF "Soglasie"

Work in any large company that actively sells products to the population is primarily aimed at making a profit and increasing the number of new customers. Non-state pension funds are no exception.

On the Internet, in addition to the complaints of defrauded investors, one can also find comments from former employees of APF Soglasie. Employees' feedback on the firm's activities coincides with the opinion of the clients - a strict policy of attracting, increasing the number of sales of insurance policies of TSOs and NGOs by any means (including through deception), unconditional fulfillment of planned targets. According to the comments of managers and insurers, the management of the company was indifferent to everything, except the design of new products. Neither health problems nor family circumstances were mitigating circumstances in case of non-fulfillment of sales for APF Soglasie.

The responses of the agents are unanimous: the work in the company was tense, requiring stress-resistance, impudence, the ability to promote the service even to those clients who were not interested in its design and directly stated this. In addition to the heavy internal atmosphere - constant delays with payments and bonuses for concluded contracts, lack of guarantees and support from management, moral dissatisfaction with their activities.

Prohibited reception, or How the APF "Consent" has expanded the client flow

Since 2010 (from the beginning of active sales of new products and agents' duties to carry out high plans for the promotion of insurance policies), and up to the present time, there are comments on the Internet by contributors who were deceived by fraudulently transferring pension contributions to OPS and NGOs to Soglasie (APF) . Reviews of deceived people about the promised harmony of the company with clients with surprising similarity repeat each other and are extremely negative in color.

Since it was not possible to attract the necessary number of clients who were ready to transfer to an unfamiliar company with an opaque policy, the most active agents developed a special plan, which had a huge commercial success for the company, but was a direct deception for new participants of the program. The essence of the idea was as follows: insurance agents under the guise of employees of the Pension Fund made a bypass detour, forcing the owners to issue a special card for entering the Personal Cabinet of the Russian Federation. According to the legend, this "pass" for the site was obligatory in the FIU branch to get all customers, and for a long time, but for some reason this was not done. After that, the client is given a package of documents for signing, allegedly confirming the issuance of this card, and the fund's employees sought to put the contracts in the most unsuitable or inconvenient for the investor moment, so that he did not have the opportunity to study it. Having received the desired signature, the agents sought to hide as soon as possible.

As a consequence - a copy of the contract (and it was not issued to all clients) with the fund, the employee's telephone number, a sense of deception and frustration and negative statements about the activities of the company "Soglasie" (reviews on forums and websites about pension provision of Russian citizens).

Another legend - lying job

In addition to the stories of defrauded depositors about how they were slipped into agreements on the transfer to APF directly from their apartment, the Internet contains a huge amount of comments on the topic of an unsuccessful job, when they received a request to transfer to APF Soglasie when they received the package of documents. Customers' opinions are unanimous: welcome reception, prompt preparation of documents allegedly confirming employment, the promised "golden mountains". And instead of all this - an application for transfer under the OPS program to a non-state pension fund.

In other words, this is a new scheme of fraud, which is based on the desire of potential employees to choose a suitable option for them (since in an advertising announcement only beneficial terms of employment are indicated). As a rule, clients' doubts about the correctness of their actions arise almost immediately after leaving the office, when in their hands is the notorious agreement with NPF Soglasie. The reviews are so similar to each other that there is no doubt about the fact that this was not just an isolated case, but a developed strategy for attracting new investors does not arise.

How did the agents receive copies of the documents from the client for transfer to APF Soglasie?

Considering the activities of the APP "Soglasie", the feedback of people serving in this non-public fund, you can find that everything indicates that when entering into contracts with the company, agents took photographs of documents on their mobile phone in order to conclude a contract with a new client as soon as possible. That is, the depositor had only a few minutes to realize what was happening, and if during this short period he did not have time to figure out what he was signing, the cumulative part of future contributions was transferred operatively to the APF office, and after confirmation by the client (who called the SMS code to the operator, also Especially not understanding what is happening) was finally transferred to a non-state pension management company.

How is the transition from the FIU to the non-state company "Soglasie" carried out?

After signing the documents confirming the transfer under the agreement of NSOs to NPFs, many investors were worried about the question of how long and how the final transfer to another fund was effected. For all private organizations (management companies, non-state funds, including "Soglasie" (APF), whose reviews indicate insufficient awareness of clients about the procedure for transferring the funded part of the pension), the same rule and method of transferring the pension applies: after the sending of contracts signed Client, and copies of his documents within a few days prior to the participant in the TSO program, the operator must call the operator and ask for confirmation of the desire to change the fund. As a confirmation it will be necessary to specify once more the document data (SNILS and passports) and a special code that comes in the form of an SMS message after the manager enters the information about the new client.

Without personal confirmation or in case of refusal to provide the necessary information, the funded part of the employee's pension will remain in the previous fund. However, information on unprecedented cases of transfer to another APF without mandatory notification is published on the Internet, which (in case of client's disagreement) is a violation by the beneficiary company and can be considered as fraudulent actions. Transition in this way can be carried out only in the event of compromise of customer data and fraud of insurance agents indicating their SIM card or any other available number (obviously not belonging to the depositor himself) as the phone number to which the notification should come.

Non-State Fund "Soglasie": termination of the contract

Clients whose insurance agents were deceived forced to transfer their pension savings from one fund to another, after realizing what happened, are immediately interested in questions about how to withdraw from OAO NPF Soglasie, how to terminate the agreement on transfer to APF.

Before you panic and spill out the negative on the employees of the CALL-center, the investor must make sure in which pension fund his savings are now. For this it is necessary to call the free hotline of the FIU by phone and dictate the data of the documents (passport and SNILS). As a rule, transfer to APF can be carried out only after confirmation by the participant of the program, which should name the code from the SMS-message and the relevant information (except for the above cases of fraud by NPF employees). If there was no notification on the client's phone, or when he called a specialist, he refused to transfer, the cumulative part of future pension contributions will remain in the previous fund.

If the customer still managed to confirm the transfer, then his deductions will be transferred to the management company from the 1st quarter of the next year, and until the end of the time period, they will be indexed taking into account the profitability of the operating company. Accordingly, after confirmation, in case of unwillingness to transfer to a new fund, you need to contact the FIU office to transfer your savings back by writing the relevant application. However, it should be taken into account that at the beginning of the first quarter of the next year, the application that was received first will be accepted. Accordingly, there is a risk of moving to another company if the application is not sent in time. In addition, under the law, Russian citizens have the right to change the pension fund not more than once a year.

So, you want to break off all relations with NPF Soglasie? How to terminate the contract, the following information will prompt: you can make a refund of the funded part (subject to a recent term of imprisonment) by applying to the official website of the company. However, due to the revocation of the license, the page of the fund on the web is not updated, accordingly, this way of transition to date is not relevant.

APP "Soglasie": how the good company "collapsed"

Wanting to get a good increase to the pension, the working population of the country, which is actively interested in the state of its account with the FIU, has been trying since 2006 to increase future state payments. Transition to NPF for many clients is the only way out to receive decent benefits and not limit oneself to financial expenses in old age.

APF "Soglasie" at the initial stages of its activities, the main priority of development was customer satisfaction with the quality of service and the guarantee of high profitability. Indeed, this indexation (over 30% per annum) could not boast of any pension fund of the country. However, as a result, the desire to receive more than give away has overcome the "right" ways of development and has led to the fact that contracts for the transfer of pension began to be in huge quantities. The company's profit grew, the number of participants increased exponentially, but few of them made the transition to the APF at their own will.

Negative, frustration and absolute disagreement with the deceptive principles of the work of agents led to the fact that the index of customer dissatisfaction was constantly increasing, and as a result, more and more confirmation information appeared on the websites. Reviews deceived customers on the Web continue to appear and now, as the activities of the fund has become widespread. Who is to blame for this situation?

First, to conclude contracts in huge numbers, regardless of the unwillingness of clients, insurance agents were obliged by management, which, in their opinion, set ambitious goals, motivating employees with bonus and additional bonuses. But in practice it turned out the opposite - agents were deceived by their own firm, which repeatedly allowed delays in calculating wages and unreasonable refusals in payments.

Secondly, the huge competition in the pension services market often leads to the fact that non-state funds are forced to work on the principle that "the strongest survive"; therefore, in order to stay afloat, they are trying to outrun their rivals by concluding corporate pension programs to entire organizations or offering fabulous terms Extraordinary profitability, additional contributions at the expense of the firm itself, employment).

The working population, who is not indifferent to the fate of their future social deductions, already now it is necessary to take care of the company in which the pension will be located. And when choosing a fund, special attention should be paid to the firm's experience, reliability rating, customer reviews and their total number. It is not necessary to be "silent", fearing to remain without a pension in the future - the state guarantees the safety of contributions through the insurance system, and the level of profitability of the FIU is much lower than that of NPFs.

However, one should not succumb to the tricks of swindlers, which eventually became agents of APF Soglasie, and sign documents in a hurry, without studying or in case of doubts about the honesty of the manager. The loss of accrued interest and circulation at instances is not the most pleasant, and it is not difficult and time-consuming to apply independently, having studied all aspects and peculiarities of the non-state fund's activities.