What to do if: Trust has closed branches in your city. Trust Bank demands payment for servicing long-closed cards

I now have a deposit open in Trust Bank (agreement number: 05/24-0813/15, opening date: 06/26/2015, closing date: 01/21/2016). I opened a deposit at the bank’s office in Magnitogorsk. Last year, a bank employee called me and said that this only branch in my city was closing soon, and therefore if I waited until the deposit was completed, then I would not be able to receive my deposit at the bank’s cash desk in my city, and I would have to go to bank branches in other cities. In order for my money to be returned to me in Magnitogorsk, I needed to close the deposit ahead of schedule, or the employee offered me another option: open the Trust Online service in their bank, with the help of which I could then, after the end of the deposit, transfer my money via the Internet to my account in any other bank in Magnitogorsk, and the bank will not charge any commission for this transfer, since they have special conditions for depositors who were serviced in closing branches, and under these conditions I will be able to withdraw my deposit free of charge to my account at any bank.

After her call, I also visited our only bank branch in the city - on October 16, 2015 - so that I could definitely decide there: to withdraw my deposit ahead of schedule, or to open the Trust Online service. At the branch, the employee also confirmed to me that the withdrawal of the completed deposit will be commission-free for me when making an external online transfer to any bank. When I asked her to show me some document confirming this condition, she said that there was no such document yet, but the bank would draw it up soon, and there would be exactly the conditions that she was telling me about, and that they told me over the phone before. Then on the same day I opened the Trust Online service and decided to leave the deposit until the end of the term.

My deposit ends in a week. The branch in our city is already closed. Yesterday, I decided in advance to get information about the possibility of a free transfer of my deposit, and contacted the bank’s support service by phone at 8-800-200-1144 and explained my entire situation, but they told me that there would be no free transfer for me, since free transfers are possible only to Otkritie Bank (specifically only to the branches of this bank listed on the page: www.trust.ru/bank/). To verify this information, yesterday I also asked a similar question through the contact form " Online consultant"on the website www.trust.ru, where they also confirmed to me that now I will not be able to receive my deposit for free in my city, but I can make free transfers only to Otkritie Bank branches in other cities (on the page: www.trust. ru/bank/). Naturally, these branches are not suitable for me, because they are all in other cities, so it is unclear why the bank is offering this condition to depositors whose branches have closed - after all, the branches have closed in those cities where Otkritie Bank has branches. " also no.

It turns out that I was deceived twice by Trust Bank employees (by phone and in the office) when they told me what I could do free translation your deposit to your account in any bank. Although at that time I could still easily close the deposit ahead of schedule and take all my money from the branch’s cash desk. But employees of Trust Bank deceive depositors in order not to return money to people, and at the same time, they also make money on commissions, which they hide in words. And they hid this from me during an oral consultation also because the bank has daily limit for the amount of external transfers, which is many times less than the amount of my deposit, which means that in order for me to now receive my full deposit in the bank of my city, I will have to make many transfers for several days and pay a commission for each transfer many times. Therefore, it was beneficial for them to hide from me all these commissions on my a large amount and not give me my deposit, since I said that I do not have the opportunity to go to another city to receive money.

And in our city and region, the Trust offices were closed, we had to travel 200 kilometers. What is it connected with?

The mother came all worried that the Trust was closing its office, and she had a deposit there. Cries that she will lose him. What to do? Should he take it on the run, let the interest be lost, so at least he’ll take his money?

Which city? I didn’t pick up mine, I wrote a statement at the office, they said that after closing the deposit it would be transferred to the bank that I indicated in the statement. I advise you and your mother to go to the department, or at least hotline Call to find out everything before you panic. You can also connect to Internet banking.

Mirniy, in many areas the Trust has closed its branches. This is due to the fact that the bank is undergoing reorganization and Otkritie took it under its wing. Now the banks seem to be united and service will be through the Otkritie Bank cash desk. You can also do it through Trust Online, it’s very convenient and fast by the way, you just need to connect it in the office first.

Yulianna, so now this is one jar or two different ones? It’s just that nothing is clear at all and no one really explained it. I wanted to go to the branch and find out all the details, but it is already closed ((And I also don’t want to go 200 km to another branch, and then end up not getting answers to my questions.

Zadorozniy, that's two more for now different banks. Simply Otkritie is a bank sanatorium. Since 2015, Trust Bank has been part of the Otkritie Bank group. It is not the only such bank there. At one time, they also selected other banks for themselves.

On August 30, a branch of TRUST Bank closed in Vladimir, according to the official website credit organization. This is due to the reorganization of the network of bank offices and the merger of Otkritie Bank with TRUST. Since the end of last month, TRUST has stopped implementing cash transactions: Deposits and withdrawals. After the office was closed, money from clients’ accounts went to the Moscow branch. At the same time, the bank retained all its obligations to clients.

Please note that after switching to service at the branch of TRUST Bank (PJSC) in Moscow, the details of your accounts will be changed, except for bank card accounts and accounts for repaying loans under personal lending programs. All the bank’s obligations to you remain in force,” the bank’s press service reports.

The bank offers Vladimir residents to carry out their usual transactions through remote services banking services- Internet bank TRUST Online and mobile bank. Moreover, from September 5 in place former office"TRUST" (Mira-34, Vladimir) opened the office of PJSC Bank "FC Otkritie". TRUST clients can make cash transactions there.

At the above address, services will be provided to clients of TRUST Bank (PJSC), in particular, non-cash transactions on accounts and deposits in the standard mode, it is said on the bank’s website.

Detailed advice on further servicing can be obtained at the branch from TRUST Bank employees or by telephone numbers contact center: 8-495-587-90-44 for Moscow and 8-800-200-11-44 for the regions.

My deposit ends in a week. The branch in our city is already closed. Yesterday, I decided in advance to get information about the possibility of a free transfer of my deposit, and contacted the bank’s support service by phone at 8-800-200-1144 and explained my entire situation, but they told me that there would be no free transfer for me, since free transfers are possible only to Otkritie Bank (specifically only to the branches of this bank listed on the page: www.trust.ru/bank/). To check this information, yesterday I also asked a similar question through the “Online Consultant” contact form on the website www.trust.ru, where they also confirmed to me that now I will not be able to receive my contribution for free in my city, and I can only make free transfers to Otkritie Bank branches in other cities (on the page: www.trust.ru/bank/). Naturally, these branches are in no way suitable for me, because they are all in other cities, so it is unclear why the bank is offering this condition to depositors whose branches have closed - after all, the branches have closed in those cities where there are no branches of Otkritie Bank either.

It turns out that I was deceived twice by Trust Bank employees (by phone and in the office) when they said that I could make a free transfer of my deposit to my account at any bank. Although at that time I could still easily close the deposit ahead of schedule and take all my money from the branch’s cash desk. But employees of Trust Bank deceive depositors in order not to return money to people, and at the same time, they also make money on commissions, which they hide in words. And they hid this from me during an oral consultation also because the bank has a daily limit on the amount of external transfers, which is many times less than the amount of my deposit, which means that in order for me to now receive my full deposit in the bank of my city, I will have to make many transfers for several days and pay a commission for each transfer many times. Therefore, it was beneficial for them to hide from me all these commissions for my large amount and not give me my deposit, since I said that I did not have the opportunity to go to another city to receive money.

Dear Clients!

In April 2015, TRUST Bank (PJSC)¹ became part of Otkritie, the largest private financial group in Russia in terms of assets.

As part of the integration of TRUST Bank (PJSC) into the structure of Otkritie, measures are being taken to reorganize the network of Bank offices, in connection with which a number of operational offices stop conducting cash transactions and move to the territory of the operational offices of our partner - Otkritie Bank²:

From March 14, 2017 operational office in Ukhta, located at the address: 169313, A. Zeryunova Ave., 6,

From March 15, 2017 operational office in Volgograd, located at: 400087, st. Nevskaya, 13a,

From March 20, 2017 operational office in Volgograd, located at the address: 400026, Avenue named after. Heroes of Stalingrad, 48,

From March 22, 2017 operational office in Astrakhan, located at: 414000, Kirovsky district, st. Esplanadnaya, No. 37a / st. Kommunisticheskaya, No. 16a, letter A,

From March 23, 2017 operational office in Novosibirsk, located at the address: 630099, Kamenskaya street, 32,

From March 27, 2017 operational office in Taganrog, located at: 347900, st. Chekhova, 118a,

From March 28, 2017 operational office in Irkutsk, located at: 664025, blvd. Gagarina, 40,

From March 29, 2017 operational office in Penza, located at: 440000, st. Kirova, 55A,

From March 31, 2017 operational office in Ulyanovsk, located at the address: 432072, Ulyanovsky Ave., 28, premises No. 43,44,45.

New service addresses:

For an office in Ukhta (A. Zeryunova Ave., 6) - st. Oktyabrskaya, 14

For an office in Volgograd (Nevskaya St., 13a) - st. Krasnoznamenskaya, 18

For an office in Volgograd (Geroev Stalingrad Avenue, 48) - Avenue named after Heroes of Stalingrad, 40

For an office in Astrakhan (Kirovsky district, Esplanadnaya St., No. 37a / Kommunisticheskaya St., No. 16a, letter A) - st. Savushkina, No. 32b, letter G

For an office in Novosibirsk (Kamenskaya street, building 32) - st. Derzhavina, 14

For an office in Taganrog (Chekhova St., 118a) - st. Grecheskaya, 17/per. 1st Serf, no. 24

For an office in Irkutsk (Gagarina Blvd., 40) - st. Chkalova, 36

For an office in Penza (Kirova St., 55A) - Leninsky district, st. Moskovskaya, 3

For an office in Ulyanovsk (Ulyanovsky Ave., 28, premises No. 43,44,45) - st. Karl Liebknechta, 24/5A, building 1

Cash transactions for cash withdrawals clients – individuals will be able to conduct through the cash desks of the operational offices of Otkritie Bank.

Please note that non-cash transactions on accounts and deposits of clients of TRUST Bank (PJSC) will be carried out at new service addresses in the standard mode.

You can get detailed advice on further servicing and methods of depositing cash into accounts and deposits of TRUST Bank (PJSC), in a branch with employees of TRUST Bank (PJSC) or by calling the contact center phone numbers: 8 495 587 90 44 for Moscow and 8 800 200 11 44 for the regions.

We apologize for the inconvenience caused and look forward to further cooperation.

¹Public Joint-Stock Company National Bank "Trust". General license Bank of Russia No. 3279 dated August 26, 2015

²Public joint-stock company Bank "Financial Corporation Otkritie" (OGRN 1027739019208, code 30101810300000000985, BIC 044525985, General license of the Bank of Russia No. 2209 dated November 24, 2014). Operates under the Otkritie Bank brand

Hundreds of people came to Trust Bank and did not find it there. Found out what's going on

Trust Bank has been undergoing reorganization of Otkritie Bank for more than a year now, and it is gradually joining the Otkritie financial group. And this process implies some changes in the work of Trust Bank, which the bank’s clients did not like very much. Just imagine - you come to a bank called “Trust” and instead of the corresponding sign you see the name “Otkritie Bank”?

“The mother came all worried that the Trust was closing its office, and she had a deposit there. Cries that she will lose him. What to do? Should he take it on the run, let the interest be lost, so at least he’ll take his money?”, “Trust’s clients begin to panic.”

On the website BANKIREVIEW.RU on May 30, a whole bunch of comments appeared from users who were in confusion trying to find out how to live further. “What about the bank?” - this was the most popular question.

We decided to find out directly from the sanatorium - Otkritie Bank - what is happening and what actions clients should take or not take.

What's happening to Trust Bank?

First, let's answer the most pressing question - what's going on?

"Within integration processes A number of TRUST Bank offices are being gradually repurposed. Clients will be able to continue service at other bank branches or through the “TRUST ONLINE” system. At the same time, the offices of our partner, Otkritie Bank, continue to operate in many cities, serving private and legal entities. You can switch to service at these offices,” explained the press service of Otkritie Bank.

Bank offices are closing, what to do?

“I just heard that the branch of Trust Bank is no longer working in Anapa. Instead it is now an office of Otkritie Bank. What should I do with my money now? Where should I look for a deposit?” writes Snezhana Arakova on BANKIREVIEW.RU.

“And now Trust and Otkritie are the same bank? In Saratov, the Trust office is open only until June 19, then they offer to go to Otkritie for service. Does this mean my contribution will be transferred there? Or what?” Polina Zubrova echoes her.

Otkritie Bank explained to us that despite the reorganization of the bank’s office, all of the Trust’s obligations remain in force.

“If the cash desk of Trust Bank is closed, debit transactions (withdrawals from accounts and deposits) will be carried out through the cash desk of the Otkritie Bank office,” the press service explained, adding that after the reorganization of the TRUST Bank office, service can continue at the bank's representative office located on the territory of Otkritie Bank.

Their cash can be obtained in a number of ways:

Through the cash desk of the Otkritie Bank branch;

By transferring to your account in third party bank through the “TRUST ONLINE” system (the bank promised not to charge a commission for this operation);

Using a card at ATMs of TRUST Bank or Otkritie Bank;

What to do with deposits?

“I came to the office in Sochi on Gorky, 40. And now Otkritie Bank is there? True, they also provide advice on TRUST deposits. But the queue was long, I didn’t wait and ask everything... They only said that it would be possible to withdraw the deposit and interest through the Otkritie cash desk. What’s wrong with the bank?” writes Olga Medyanik.

The Otkritie press service told us that if a client wants to continue servicing at Trust Bank, then he can continue to be serviced in the TRUST ONLINE system to carry out transactions on accounts and deposits at a convenient time, including closing accounts/deposits and transfer of funds to your own account in a third-party bank without commission.

“If you do not plan to be serviced by the bank in the future, we recommend withdrawing funds and closing the account, or transferring the balance of funds to an account in another bank (you can transfer funds from an account/deposit either at the bank office or through the TRUST ONLINE system “),” the press service said.

If your deposit ends after the office closes, and you do not plan to use the TRUST ONLINE system, the press service recommends contacting the bank office before it closes and filling out an application to close the account/deposit and transfer funds on a future date (deferred date). Transfer of funds to an account in a third-party bank upon application will be made without commission.

What will happen to the interest?

“Is it worth making contributions to the Trust now? And then I see information on the Internet that they are closing their branches everywhere. This is alarming, but their interest offers are very tempting,” asks one of the users.

Another writes that he recently opened the “My People” deposit in Trust and is now worried about the interest. According to a representative of Otkritie Bank, interest will be retained and the entire deposit amount will be credited to the account specified in the agreement.

In the future, you will be able to receive your funds through the cash desk of the Otkritie Bank office or using a card at the ATMs of TRUST or Otkritie Banks.

“If you have the TRUST ONLINE system, you can transfer funds from your account/deposit to a special card account and subsequently withdraw funds from the card,” the press service explained.

Still problems

Despite the fact that in fact nothing threatens the funds of Trust Bank clients - they remain in the account - access to them has become significantly more complicated. Moreover, some bank branches are not re-registered as Otkritie, but are closed altogether.

And in our city and region, the Trust offices were closed, we had to travel 200 kilometers. What is it connected with?

Which city? I didn’t pick up mine, I wrote a statement at the office, they said that after closing the deposit it would be transferred to the bank that I indicated in the statement. I advise you and your mother to go to the department or at least call the hotline to find out everything before you panic. You can also connect to Internet banking.

Zadorozniy, these are still two different banks. Simply Otkritie is a bank sanatorium. Since 2015, Trust Bank has been part of the Otkritie Bank group. It is not the only such bank there. At one time, they also selected other banks for themselves.

Former clients of Trust Bank unexpectedly learned that they had incurred debts for SMS information services on cards that were closed several years ago. Over the years, holders of non-existent cards have accumulated substantial debts, however, according to lawyers, it will be quite easy to challenge them in court, writes Kommersant.

Trust confirmed that it had received several requests from clients who did not agree with the demands to pay off fees for using bank cards. In all cases, the use of cards due to expiration or closure on the part of the client was stopped even before the decision was made to reorganize Trust Bank (FC Otkritie Bank became a sanatorium at the end of 2014). At the same time, some clients, based on complaints, closed their cards about eight years ago. Over the years, the amounts, including fines for late payment, have accumulated quite large, for some clients up to 12 thousand rubles, and now the bank is trying to collect these debts.

“We are talking about a customer base that was formed even before the start of the process of financial rehabilitation of Trust; their cards expired, but the accounts were not closed - the bank does not have applications for closure,” the bank clarified. - We conduct a thorough check to understand each case and prevent violation of the interests of clients. If commissions were awarded in error, they will be canceled."

Trust clients received debit cards with free annual service mainly as an accompanying product to a deposit or loan. After the closure of the main products, there was no need for cards, and customers simply did not reissue them or closed them. However, card products have a peculiarity: an account is linked to the card, which remains open even after the card expires or is physically destroyed (if the card is returned to the bank, the employee usually cuts it in the presence of the client). In order to finally terminate relations with the bank, it is also necessary to write an application to close the card account, which many of the clients did not do. With time Additional services card accounts became subject to payment and resulted in debt.

The sanator of Trust Bank is Otkritie Bank, but due to changes in the composition of Trust employees, the bank was unable to explain whether clients were properly notified of the need to close card accounts.

Market participants agree that Trust and its sanatorium, Otkrytie, were negligent, allowing debts to accumulate over the years. Lawyers advise citizens to defend their interests in court. “We need to go to court and force the bank to prove the grounds for accruing these amounts,” says Daniil Kirikov, manager of the consulting company Kirikov Group. - Even if the bank proves that the citizen agreed to paid service, then in court it will still be possible to at least reduce the amount of the debt, since the bank did not inform the client about it.”

Advice from lawyers:

1. How to find out and close a credit card at Trust Bank if there is no branch. And you won’t get a certificate of closure.

1.1. The website has a hotline number as one of the options. Also according to the terms of your contract that came with the card.

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Not really

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1.2. You need to look for a successor bank, so you need to address this issue on the official website of Sberbank of Russia, there is all the information about this.

2. The trust bank does not return the dollars; they explain that they did not bring them to the branch.

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2.1. Complain to the territorial department of the Central Bank

3. There is a debt to Trust Bank, the bank sold Yugoria to collectors, there are no bank branches in the city (all have closed). Collectors send letters with twice the amount. Does the bank have the right to sell my debt to collectors?

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3.2. Of course it does. And the fact that they charge twice as much raises questions. Is there a representative office of Yugoria in St. Petersburg?

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4. I had a loan from Trust Bank, there were arrears because I lost my job. Then the bank branch was completely closed in our city. They called the collector, I told them that I had nothing to pay, then the bailiffs demanded the debt, I also didn’t pay it because I had nothing.
4 years have passed since the last payment, no one has bothered me all this time.
Now Inves Credit Finance is harassing me, allegedly Trust sold my debt to them. What should I do in this situation?

4.1. First, check the legality of the alleged sale of debt to another bank. Then determine the statute of limitations on the claims.

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4.2. Do the same as before. There is still no money to pay the debt.

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4.3. You should contact the bailiff, familiarize yourself with the enforcement proceedings and obtain copies of all documents enforcement proceedings.
With these documents, you can contact a lawyer for a personal consultation or send the documents by email.
Familiarization with the documents is necessary to answer the question about the statute of limitations.

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5. I took out a loan from Trust Bank, as usual this month I transferred the money to the account, after the money was credited to my Trust account, I find out that my loan was resold to Otkrytie Bank, I did not receive a notification about this. A branch of Trust Bank has closed in our city and now in order to transfer money to Otkrytie Bank I have to spend 2000 on a registered letter certified by a notary. Should I spend money because I fulfilled my obligations to the creditor, but I didn’t know that I had a new creditor?

5.1. Opening is the legal successor of the TRUST, as a result of which all obligations and rights have passed to it. Find out if there are Otkritie ATMs in the city; in many cities where TRUST branches were closed, Otkritie has installed ATMs. Also, to reduce the cost of transferring payments, you can transfer money to an account in Otkritie from an account (or in cash) of another bank. You can find the lowest cost for such a service on the websites of banks located in your city. Also, most likely, translation from yours will cost less. bank card(if you have one) to the Opening account through the ATM of the bank where the card was issued, find out the tariff for such a transfer. However, with such loan repayment, it is necessary to transfer money in advance, because the amount is considered repaid only on the date of receipt of money in the creditor's account. Unfortunately, I can’t recommend anything else for repaying this loan; the law does not contain an obligation to open a branch in the city where this was previously the case. There is another option that may suit you: arrange a restructuring (transfer) of the loan balance in another bank, which has a branch in the city.

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6. I paid off my credit card almost a year ago (Trust Bank), wrote an application at the bank branch to close the account in May, still only promises, twice 45 days have passed since writing, they purposefully don’t want to close it, and this It bothers me because I can’t take out another loan because... V credit history I can see that this credit card is not closed, and in addition, they once sent me a card by mail that I did not pick up or see, it is also active by the way!

6.1. According to Art. 859 Civil Code of the Russian Federation agreement bank account terminated at the request of the client at any time. If the bank does not fulfill its obligation to close the account, complaints can be submitted to the following authorities:
Association of Russian Banks and Financial Ombudsman. On a special page of the Association’s website you can submit any complaint against the bank. But it is worth remembering that the recipient of the complaint in this case will be not only the financial ombudsman (conciliator), but also the bank itself.

Rospotrebnadzor. This agency not only prohibits the import of products from countries that have suddenly become unfriendly, but also protects the rights of consumers. Banks are exactly the same business serving customers as any other, so they too should not violate consumer rights. You can write an appeal through the authority’s website. However, you will have to write it very briefly: appeals should be no longer than 2000 characters.
The Bank of Russia also accepts complaints; they can be submitted on the official website.

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7. Trust Bank is closing its branch in Kostroma from July 1, 2016. It offers to withdraw money without interest, or to receive a deposit with interest in another city. The deposit ends on July 14, 2016. How can I get a deposit with interest in my city without losses?

7.1. conditions bank deposit see if there are conditions that the bank offered you. no, that means we write a written complaint and then go to court.

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8. Is it possible to return insurance by credit card bank trust? If yes. then how to do this? We don't have a bank branch in our city.

8.1. you need to review the loan agreement, you can go to court at your place of residence

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9. I had arrears with the trust bank due to illness, the bank billed me the full amount with interest, I found the money, paid everything to the last penny (I paid at the bank branch through the cash register), 1.5 years have passed, now they call from the bank trust collection service and demand some kind of to pay off the debt, do you have only the payment receipt in hand? How to act in such a situation?

9.1. If they call or write to you, file a police report about extortion. Collectors have no rights, they just scare you. Otherwise they will keep calling. Or ignore, change numbers. They are obliged to go to court if they believe that they are owed something.

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9.2. 1. Contact the bank for a certificate of full repayment of the loan.
2. If you disagree with the answer (or no answer), go to court.

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10. Trust Bank has a credit card; to close the account, you need to write an application at a bank branch. I live in the Trans-Baikal Territory in the northern region, the nearest branch from me is in Krasnoyarsk. Can I make a power of attorney, executed by a notary, for my friend, who is traveling to Krasnoyarsk, so that he closes my account?

10.1. Yes you can. By proxy, the friend will close the account.

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11. I am now in the ATO zone. TRUST Bank demands repayment of the loan, but since this moment terminals and bank branches are not working, I cannot repay because I am not working at the moment. I pay 3000 a month to the bank, and receive a pension of 2400. The bank demands repayment of the loan and my number pension card to withdraw money from her. Tell me what should I do in this situation?

11.1. Write a letter to the head office asking for credit holidays.

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12. I have a question. I received a letter from TRUST Bank that since 2011 I have a debt of 180,000 rubles, I even have my passport details and signature and I claim that I have paid for the first 3 months, although I have never visited a bank branch. What should I do?

12.1. Contact your bank for clarification.

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13. I took a Trust Bank credit card for 50 thousand rubles. I only used 50 thousand. I returned the money on time. The bank added another 50 thousand, but I didn’t take more. Soon she became seriously ill and was unable to work for 2 months. pay dues. They called from the bank and said that I owed them 200 thousand rubles. I asked for an extract from one department, they say that I have 100 thousand, but in the end they say that it’s 200 thousand. What should I do?

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Consultation on your issue

Calls from landlines and mobiles are free throughout Russia

14. In December 2013, I opened a Trust-Leader 2013 deposit in a branch of Trust Bank for a period of 1 year. On December 18, 2014, the deposit period expired. I contacted the bank to receive the amount along with the accrued interest, but they refused, citing the lack of cash currency(Euro). They offered to come to the bank in 1 week, without guaranteeing that the money would be available.

14.1. There is no point in going there. Resolve your dispute in court (the claim is filed in court according to the rules of Articles 131, 132 of the Civil Procedure Code of the Russian Federation). Start with a written complaint.
Write a complaint to the Central Bank

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14.2. The Trust is having problems now, but they shouldn’t worry you. Write an angry complaint to the bank. But it’s best to transfer the money to another bank account

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15. Today I entered into an agreement with Trust Bank for the purchase of cosmetics in the amount of 60,000 rubles. When I came home, my husband collected complete information on this cosmetics and the company that sold it to me - a complete scam! What to do? Maybe the first thing to do is terminate the agreement with the bank - the day expires tomorrow at 12.00 local time? The problem is complicated by the fact that in my city of Kemerovo there is no branch of this bank. Thank you.

15.1. Read your loan agreement carefully (the section should be called TERMINATION OF THE AGREEMENT, or it can simply be written in the text without dividing into Sections). As a rule, Banks write in the agreement itself on what grounds and within what time frame the loan agreement can be terminated. The fact that you did not like the cosmetics does not concern the Bank; the Bank fulfilled its obligation to transfer funds to the Seller.
Most likely you will be able to terminate the Agreement tomorrow (by writing an application for termination loan agreement and sending it to the legal address of the Bank 105066, Russian Federation, Moscow, st. Spartakovskaya, house 5, building 1 ) You will not only have to repay the loan amount, but also pay interest for the actual use of the loan (1 day). It's better to check with the seller judicial procedure(in order to protect consumer rights) But first, it is better to close the loan (so that interest does not accrue), and deal with the Seller along the way. If you need more detailed advice, write in a personal message.
Good luck to you!

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16. I have a loan from Trust Bank... I haven’t paid the last 2 payments - NO WAY, they got me with calls, and today they also invited me to the bank branch to sort it out with me)) and why there are no answers to my applications asking to restructure the loan. How to behave there? What to fear?

16.1. don't be afraid of anything. They will threaten you with a statement to the police about extortion. The bank can only go to court with a claim to collect the debt from you. There is nothing more he can do.

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17. I received an SMS from the trust bank about an allegedly taken loan, they demand to pay interest, although they did not take out loans and did not transfer personal data, and in general there is no branch of the trust bank in our city.

17.1. Do not pay attention, these are illegal methods of influence of debt collectors to collect loan debts.

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17.2. Don't pay attention, they're scammers.

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18. At the trust bank branch there was a loan on the card, then I refinanced and another bank paid my debt, then it turned out that I had to pay an additional 2000 rubles, I paid an additional 3 days later, they told me to pay an additional 318 rubles, I paid an additional amount and the card was immediately cut in front of me. It took almost a month and They started calling me from the collection service and demanding that I pay another 2,500 rubles. How can this happen? How can a debt arise if I don’t have this card, please look into it.

18.2. Take details of your bank account to find out.

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18.3. Often banks demand unreasonable penalties, fines, etc., which may not be paid, but the amount of the principal debt will most likely have to be paid. To give specific recommendations for minimizing payments, you need to understand all this.

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19. Bank Trust. Credit card received through the post office. There is no contract, I didn’t sign anywhere. After some time, I learned from an outside organization that an overdraft was connected to the card and there was a debt. No documents were attached to the card. Is this legal?

19.1. You must have an affiliation agreement. Have you used the card? How was it activated? It is urgent to decide either to accept the conditions and fulfill the obligations, or to take measures to close the card.
The information you provided is not enough for a detailed consultation.

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19.2. In order to answer the question - is it legal or not, an in-person consultation will be necessary. On it, let's make Required documents to the bank, then, as events unfold, we will act further.

The sooner the request is made, the more quickly this situation will be resolved.

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20. Is it possible to change the payment date on a TRUST bank credit card. The payment date is the fourth day of each month, and wage I have interest on the 7th of every month... I called the hotline, the employee there says that it is possible and should go to the nearest bank branch, I contacted them, they said that their bank does not have such a service... HOW TO BE IN IN SUCH CASES? help me please.

20.1. apply for loan restructuring with the reason for the date change, it is better to attach a certificate from work (COPY), in 2 copies. and to the credit department. The bank must review your application within 30 days and make a decision. I think they shouldn’t have any grounds for refusal in your situation.

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21. Trust Bank demands from me a commission generated after judicial execution for refund of commissions. The debt is not displayed anywhere, and in the department they say it’s a program error and justify it as a debt, and constantly demand to pay 25,000 rubles, is this legal? Cherepovets.

21.1. no, it’s not legal, let them go to court, and you write an application to reduce the commission

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21.2. It is not clear from the question what the decision was, in favor of whom and about what. The bank can demand from you exactly as much as indicated in the court decision. You must pay any amounts after the court decision only to the bailiff and on the basis of the court decision. If something is not indicated in it, do not pay anything to the bank yourself. In general, you need to figure out what the amount is by studying the documents.

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22. I activated the card at Trust Bank. I contacted the bank branch to give me a table with a clear payment schedule, they said that they don’t give it to the card. How to pay if they give different amounts every month?

22.1. Go to court.

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23. A deposit was made in Trust Bank, but they did not give me personalized card for calculating interest on the deposit. Cash deposit I closed, and for possible future cooperation the card (it is without annual maintenance) left. During this time, they issued a personalized card and sent an SMS about the need to obtain it at a bank branch. But I don’t need this card at all and I never received it from the bank. Today I received an SMS saying that I must deposit funds for the annual maintenance of this card that I have not received. Is this legal and how can I submit an application to the bank to close the card that I did not receive and received when making a deposit?

23.1. Illegal

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24. My husband took out a loan from the Trust in 2014. Went out overdue. Then we agreed with a lawyer from the Trust to pay off everything in full. On this day, the husband drove up to the bank, deposited into the account exactly the amount that was reported at the branch and thought that he had repaid everything. A year later they started calling again and threatening me. After discussions with the management of the department, it turned out that the husband was told the wrong amount and the loan was not repaid in full, but was simply repaid within a year. Now the bank claims that he did not write an application for early repayment. At the moment, there is still a debt of 100 thousand. How to prove in court that the application was written and the bank reported the incorrect payment amount at the time of payment?

24.1. If, at the time of payment, you did not ask the bank employee for a copy of the application for early repayment of the debt and closure of the account, then you are unlikely to be able to prove this.

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25. The situation is like this:

March 20, 2013 between me and OJSC National Bank“Trust” entered into a loan agreement for emergency needs for a period of 24 months from interest rate in the amount of 62.9% annual amounts in the amount of 55,000.00 rubles. Full price The loan is defined by the Agreement as 89.07% per annum, the total amount payable is 99,253.04 rubles, including payment for repayment of the principal in the amount of 55,000.00 rubles and interest on the loan in the amount of 43,153.04 rubles. Required terms for issuing a loan under the Agreement was a one-time, direct deduction of the commission for enrollment credit funds to an account in the amount of 1100.00 rubles, as well as participation in the “voluntary collective insurance program for life and health, as well as against job loss” with a write-off of the fee for connecting to the insurance program in the amount of 5280.00 rubles and a write-off of the insurance fee in the amount 3300.00 rubles.

On February 21, 2014 I made an early repayment credit obligations in front of OJSC "NB TRUST" (Otradnoe branch, Moscow). According to the terms of the Agreement, this operation provides for clarification by the client sufficient for early repayment amounts from an employee of the bank’s “Customer Service Center” by phone. Submission of any applications to close a client account and terminate the agreement is not provided for by the terms of the Agreement. The required payment amount was determined by me in accordance with the above procedure, was rounded up, thus amounting to 75,000 rubles, after which it was deposited into the cash desk of the Otradnoe Branch of the Trust National Bank. An application was also submitted with a request to close all accounts opened in my name, terminate the Agreement and provide a certificate stating that NB Trust has no financial or other claims against me. The call to the “Customer Service Center” and the writing of the statement were made in the presence of a witness.

On November 22, 2014, I started receiving calls from the Trust Bank debt service. On December 6, 2014, I visited the Otradnoe branch of Trust Bank, where I repaid the loan, in order to understand this situation. According to the bank employee, the funds deposited by me to repay the loan were not written off, and the entire amount was written off in the form of mandatory minimum payments for several months until it was completely exhausted. Also, on December 6, 2014, at the Otradnoye branch of Trust Bank, I submitted an application requesting an inspection based on the arguments set forth in the application.

On January 13, 2015, a response to my application was sent to me, signed by the head of the department for resolving relations with clients of the Department for working with client appeals, Evlanova K.V., in which it was reported that an internal investigation had been carried out, during which the facts I had stated, and It was the bank employee’s provision to me of the amount for early repayment in the amount of 75,000.00 rubles that was not confirmed.

In January 2016, I became aware of the existence of a court decision in absentia to collect in favor of Trust Bank the amount of debt in the amount of 26,766.86 rubles through Federal service bailiffs. Due to the need to urgently go on a trip abroad with my family and to avoid the occurrence of additional expenses and problems with traveling abroad, on February 3, 2016, the required amount was fully transferred by me according to the information indicated in court decision details. On March 30, 2016, I received a decree ending enforcement proceedings against me to collect the amount of debt.

However, when I contacted the Preobrazhenskoye bank branch in Moscow on April 4, 2016, it turned out that I had a debt in the amount of 6272.62 rubles. On July 13, 2016, I wrote a statement with a proposal to consider the debt under the Agreement repaid, to which I received a refusal on July 21, 2016.

On August 19, 2016, at the branch of the National Bank "Trust" in Korolev, Moscow Region, I received another certificate No. 3579586-16 from the branch employee Natalya Kolosova indicating the payment amount for full early repayment (clause 2.4 of the certificate) in the amount of 2078.71 rubles This amount, as required by the terms of the loan agreement, was confirmed by Tatyana, an employee of the Customer Service Center No. 1247. Next, the above amount was deposited into the cash desk of the bank branch, in confirmation of which there is a cash receipt order No. 19972 dated August 19, 2016. In the immediate issuance of a certificate of account closure, termination of the contract and the absence of claims from Trust Bank, the branch employees told me refused with the explanation that the money will be written off towards repayment only on August 22, 2016, and the certificate I need can be obtained on August 24, 2016.

On August 22, 2016, I made a call to the Trust National Bank Client Service Center in order to control the debiting of the funds I deposited and the closure of my account. Operator No. 3010 Elena reported that the funds were still in the account and that she should try calling the Customer Service Center on August 24, 2016.

After this, I decided to contact the central office of the National Bank "Trust" in Moscow, which I did on August 24, 2016. There I received another certificate of debt No. 3582835-16, in which I entered on August 19, 2016. the amount already appeared as the amount of debt as of August 21, 2016 (clause 2.2 of the certificate) in the form of “the amount of interest accrued on the overdue portion of the principal debt.” The payment amount for early repayment (clause 2.4 of the certificate) was indicated as 0.00 rubles.

Since I presented a cash receipt order for payment of the amount that appeared in both of the last certificates, as well as coinciding with the information in the office database on this date, the employee of this department, Albina Lepshokova, accepted my application with a request to terminate the loan agreement and close the current account . Just like on my last visit to the branch of the National Bank "Trust" in Korolev, I was asked to contact any bank branch for a certificate about closing the account and terminating the contract after August 30, 2016.

On August 30, 2016, I contacted the branch of National Bank Trust in Korolev for a certificate finalizing our relationship with Trust Bank. Instead of a certificate, I was given a written response from the bank that the position on my application remained unchanged, and since the amount of 2078.71 rubles was credited to the account, the total amount of debt under the agreement is 4597.37 rubles. I also received another certificate No. 3586976-16, which indicates the amount of debt in the form of “the amount of interest on the overdue portion of the principal debt” (clause 2.2 of the certificate) in the amount of 4955.39 rubles, which differs from the amount indicated in the letter. The operator of the Customer Service Center No. 3346 Tatyana confirmed the existence of a debt amount under the contract in the amount of 4955.39 rubles, however, the operator of the Customer Service Center No. 3346 Tatyana refused to explain the situation with the changing amounts and justify these changes or provide a more competent employee to explain and resolve the situation, suggesting I should contact the National Bank Trust office.

On August 31, 2016, I submitted an application demanding that I be provided with an accurate and justified amount of expenses actually incurred by the bank, the terms and procedure for payment on the basis of Article 406 of the Civil Code of the Russian Federation. However, in the response from the bank dated September 6, 2016, no calculations were provided.

Consultation with an experienced specialist and representation in court is very necessary. What can be done here regarding termination of the contract, and is it possible to win back any money from the bank (commission, insurance, illegal use other people's funds, sufficiency for early repayment of the payment of 75,000, legality of receiving the amount through the FSSP, etc.

Sincerely!

Chernov V.S.

26.1. Ignore it, it’s still a deadline limitation period the bank missed it, if they go to court, it will be enough to declare the deadline missed in court

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26.2. first you need to figure out how this situation arose: 1) The debt arose from interest on your loan 2) The debt arose as a result of the actions of scammers
The first thing to do in such a situation is to contact the bank and find out exactly how the debt arose.
if 1) option, then demand full detail by months, days, hours and minutes if necessary, but as a result you should find out about every penny that was added to the original amount of debt. As a result of this you should find out:
What amount did you not repay initially?
What interest and fines have been added to the original amount over time. Practice shows that such situations most often end with the client still having to pay the entire amount of the debt with fines, interest and penalties.
If option 2), then all you have to do in such a situation is contact law enforcement authorities with a corresponding statement

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27. In June 2015, I contacted Trust Bank for consumer loan, a bank employee said that for a better reputation in the bank you need to create free card bank, put 1000 rubles there, and the next day you can withdraw them. Apparently the bank approves this way more often. They issued me this supposedly free card, but I was denied credit, and I completely forgot about the card. In December 2016, I received an SMS about a debt from this bank. It turns out that annual maintenance costs 600 rubles. It turns out that the bank employees deceived me by not agreeing on the terms of service in advance? For 1.5 years there has not been a single transaction on the card, why is the bank demanding money, for what kind of service? I contacted the bank branch and wrote a statement that I did not agree with the accrual of annual maintenance and fines. Why did the bank send an SMS about the debt only half a year later? The bank responded to the statement that it was necessary to pay for annual maintenance, period. I will write to them again. Which articles in the law should I refer to? Help me please. I’m unemployed, now I’m in a position where they call 100 times from 7 a.m. to midnight.

27.1. When issuing the card, you signed an agreement, which probably indicated the cost of annual service, payment terms and, accordingly, penalties. I agree that most likely this card was imposed on you, but by signing the application for the card and the agreement, you accepted the bank’s terms. But the fact of imposition in this case cannot be proven. Therefore, I recommend paying off the debt and closing the card to avoid further fines.

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