Theory of everything. Binbank review - fraud, incompetence, lack of control, collection lawlessness Will Binbank sue

Do you think you are Russian? Born in the USSR and think that you are Russian, Ukrainian, Belarusian? No. This is not true.

You are actually Russian, Ukrainian or Belarusian. But you think you are a Jew.

Game? Wrong word. The correct word is "imprinting".

A newborn associates himself with those facial features that he observes immediately after birth. This natural mechanism is characteristic of most living beings with vision.

Newborns in the USSR for the first few days saw their mother for a minimum of feeding time, and most of the time they saw the faces of the maternity hospital staff. By a strange coincidence, they were (and still are) mostly Jewish. Reception is wild in its essence and effectiveness.

All your childhood you wondered why you live surrounded by non-native people. Rare Jews on your path could do anything with you, because you were drawn to them, while others were repelled. Yes, even now they can.

You cannot fix this - imprinting is one-time and for life. It is difficult to understand, the instinct took shape when you were still very far from being able to formulate. From that moment, no words or details have been preserved. Only facial features remained in the depths of memory. Those traits that you consider your family.

System and Observer

Let us define a system as an object whose existence is not in doubt.

An observer of a system is an object that is not a part of the system it observes, that is, it determines its existence, including through factors independent of the system.

From the point of view of the system, the observer is a source of chaos - both control actions and the consequences of observational measurements that do not have a causal relationship with the system.

An internal observer is a potentially achievable object for the system in relation to which the inversion of the observation and control channels is possible.

An external observer is even an object potentially unattainable for the system, located beyond the event horizon of the system (spatial and temporal).

Hypothesis #1. All-seeing eye

Let's assume that our universe is a system and it has an external observer. Then observational measurements can take place, for example, with the help of "gravitational radiation" penetrating the universe from all sides from the outside. The capture cross section of "gravitational radiation" is proportional to the mass of the object, and the projection of the "shadow" from this capture onto another object is perceived as an attractive force. It will be proportional to the product of the masses of objects and inversely proportional to the distance between them, which determines the density of the "shadow".

The capture of "gravitational radiation" by an object increases its randomness and is perceived by us as a passage of time. An object that is opaque to "gravitational radiation", the capture cross section of which is larger than the geometric size, looks like a black hole inside the universe.

Hypothesis #2. Internal Observer

It is possible that our universe is watching itself. For example, using pairs of quantum entangled particles spaced apart in space as standards. Then the space between them is saturated with the probability of the existence of the process that generated these particles, which reaches its maximum density at the intersection of the trajectories of these particles. The existence of these particles also means the absence of a sufficiently large capture cross section on the trajectories of objects capable of absorbing these particles. The remaining assumptions remain the same as for the first hypothesis, except:

Time flow

External observation of an object approaching the event horizon of a black hole, if the “outside observer” is the determining factor of time in the universe, will slow down exactly twice - the shadow from the black hole will block exactly half of the possible trajectories of “gravitational radiation”. If the determining factor is the “internal observer”, then the shadow will block the entire trajectory of interaction and the flow of time for an object falling into a black hole will completely stop for a view from the outside.

Also, the possibility of combining these hypotheses in one proportion or another is not excluded.

1. G. Kurchatov, Kursk region April 12, 2018
2. Kurchatov city court of the Kursk region as part of the presiding judge Kovaleva M.V.,
3. under the secretary Babkina Yu.A.,
4. having considered in open court a civil case on the statement of claim of the joint-stock company "BINBANK Digital" against Vera Vladimirovna Strashnova for the recovery of debt under a loan agreement,

5. Installed:

6. Joint Stock Company BINBANK Digital (hereinafter referred to as JSC B&NBANK Digital) filed a lawsuit against Strashnova V.V. on the collection of debt under a loan agreement, stating in support that, in accordance with agreement No. No. dated February 18, 2014, concluded between the parties, the defendant received credit cards from BINBANK Digital JSC (former CJSC MCB Moskomprivatbank, CJSC Binbank credit cards) , JSC "BINBANK Credit Cards") a credit card with an obligation to pay interest for using the loan in the amount of per annum on the amount of the balance of the debt on the loan. The fact that the defendant received a loan is confirmed by her signature on the Application Agreement. The terms of the loan agreement establish that the loan agreement consists of a borrower's application, conditions and rules for the provision of banking services and tariffs. According to the terms of the contract Strashnova The.The. obligated to make a monthly minimum payment on the loan. However, in violation of the norms of the current legislation and the terms of the loan agreement, the defendant improperly fulfilled the obligations assumed, as a result of which a debt was formed for the period from 06/06/2016 to 12/09/2017 in the amount of 137,744 rubles 20 kopecks, of which 103,432 rubles 26 kopecks - debt on the principal debt, 34 311 rubles 94 kopecks - debt on interest for the use of the loan, as well as legal costs associated with the payment of state duty in the amount of 3954 rubles 88 kopecks.
7. The representative of the plaintiff did not appear at the hearing, he was duly notified of the date and time of the hearing, in the application he asks to consider the case without his participation.
8. defendant Strashnova The.The. at the hearing was not, the place and time of the hearing duly notified. In the application submitted to the court, she requested that the case be considered in her absence.
9. After examining the written evidence, the court comes to the following.
10. According to the Civil Code of the Russian Federation, obligations must be properly performed in accordance with the terms of the obligation and the requirements of the law, other legal acts, and in the absence of such conditions and requirements, in accordance with customs or other usually imposed requirements.
11. In accordance with the Civil Code of the Russian Federation, a unilateral refusal to fulfill an obligation and a unilateral change in its terms are not allowed, except for the cases provided for by this Code, other laws or other legal acts.
12. By virtue of the Civil Code of the Russian Federation, if an obligation provides for or allows you to determine the day of its performance or the period during which it must be performed (including if this period is calculated from the moment the other party fulfills obligations or the occurrence of other circumstances provided for by law or contract) , the obligation is due on that day or, as appropriate, at any time within such period.
13. According to the Civil Code of the Russian Federation, the borrower is obliged to return to the lender the received loan amount on time and in the manner prescribed by the loan agreement.
14. If the loan agreement provides for the return of the loan in installments (in installments), then if the borrower violates the deadline set for the return of the next part of the loan, the lender has the right to demand early repayment of the entire remaining loan amount together with the interest due (Civil Code of the Russian Federation).
15. In accordance with the Civil Code of the Russian Federation, under a loan agreement, the bank undertakes to provide funds (credit) to the borrower in the amount and on the terms stipulated by the agreement, and the borrower undertakes to return the amount of money received and pay interest on it.
16. As follows from the case file, 18.02.2014, Strashnova The.The. applied to CJSC MKB Moskomprivatbank with an application for a payment card. According to the application form for accession to the Terms and Conditions for the provision of banking services in CJSC MCB "Moskomprivatbank" Strashnova V.V. agreed that the application, together with the Client's Memo, the Terms and Conditions for the provision of banking services, as well as the Tariffs, constitute an agreement on the provision of banking services between it and the bank. Conditions and Rules for the provision of banking services were provided by Strashnova V.V. in writing, she was acquainted with them and agrees, about which there is a signature in the application form.
17. In accordance with the terms of the agreement No. No. dated February 18, 2014, concluded between CJSC MKB Moskomprivatbank and Strashnova V.V. the latter received a credit card with an obligation to pay interest for the use of a loan in the amount of the balance of the debt on the loan in the amount. The fact of obtaining Strashnova The.The. credit card is confirmed by her signature on the application. Thus it is between Strashnova The.The. and CJSC MKB Moskomprivatbank signed a loan agreement. According to the Terms and Conditions for the provision of banking services in the direction of credit cards, the Bank charges interest for using the loan in the amount established by the Bank's tariffs.
18. In accordance with the changes made to the Charter on the basis of the decision of the Extraordinary General Meeting of Shareholders of BINBANK Credit Cards JSC dated January 30, 2017, the bank was originally established with the name of CJSC MCB Moskomprivatbank as a result of reorganization in the form of transformation of MCB Moscomprivatbank, bringing in accordance with the current legislation of the Russian Federation”, subsequently, in accordance with the decision of the general meeting of shareholders, the name of the Bank was changed to CJSC BINBANK Credit Cards, and then to JSC B&NBANK Digital, which is the full legal successor of the reorganized bank in terms of all rights and obligations.
19. Assessing the foregoing, the court considers that since there was only a change in the name of the Bank, therefore, it does not entail any changes in the rights and obligations of the Bank in relation to its customers. There is no need to re-execute contracts using the new name of the Bank, since all contracts and agreements concluded by the Bank earlier remain valid.
20. As follows from the submitted materials, Strashnova The.V. did not duly fulfill the assumed obligations, as a result of which, for the period from 06/06/2016 to 12/09/2017, a debt was formed in the amount of 137,744 rubles 20 kopecks, of which 103,432 rubles 26 kopecks - debt on the principal debt, 34,311 rubles 94 kopecks - debt on interest for using the loan.
21. After evaluating the documents presented at the court session, the court recognizes them as relevant, admissible and reliable evidence, and in the aggregate sufficient to resolve the dispute, since they are relevant to the case, signed by the relevant officials, contain the necessary details and the court does not cause doubts.
22. The calculation of the overdue principal debt, interest for the use of the loan, presented by the plaintiff's representative, was verified by the court and found to be reasonable.
23. In view of the foregoing, analyzing the evidence examined by the court in their totality, the court recognizes as justified the claims of the plaintiff for the recovery of debt on a loan in the amount of 103,432 rubles 26 kopecks, as well as debt on interest, based on the annual rate in the amount of 34,311 rubles 94 kopecks, since the materials of the case established the fact of improper performance by the defendant of obligations under the loan agreement, which is expressed in non-payment Strashnova The.The. debt on the loan and interest on the loan for a long time. The indicated interest for the use of borrowed funds, provided for by the agreement at the annual rate, is not subject to reduction by virtue of the law. There were no demands for the recovery of penalties by the bank.
24. In accordance with the Code of Civil Procedure of the Russian Federation, court costs consist of a state fee and costs associated with the consideration of a case. According to the Code of Civil Procedure of the Russian Federation, the court awards the party in whose favor the court decision was made to reimburse all court expenses incurred in the case on the other side.
25. When filing a claim, the plaintiff paid a state fee in the amount of 3,954 rubles 88 kopecks (payment order No. dated DD.MM.YYYY and No. dated DD.MM.YYYY), which is recoverable from the defendant in full.
26. Based on the foregoing, guided by the Code of Civil Procedure of the Russian Federation, the court

27. Decided:

28. Satisfy the claims of the joint-stock company BINBANK Digital against Vera Vladimirovna Strashnova for the recovery of debt under the loan agreement.
29. Collect from Strashnova Vera Vladimirovna in favor of B&NBANK Digital Joint-Stock Company under credit No. No. dated February 18, 2014 for the period from June 6, 2016 to December 9, 2017, a debt in the amount of 137,744 (one hundred and thirty-seven thousand, seven hundred forty-four) rubles 20 kopecks , of which: 103,432 (one hundred and three thousand four hundred and thirty-two) rubles 26 kopecks - principal debt; 34,311 (thirty-four thousand, three hundred and eleven) rubles 94 kopecks - interest for the use of the loan, as well as legal expenses for paying the state fee in the amount of 3,954 (three thousand, nine hundred and fifty-four) rubles 88 kopecks.
30. The decision can be appealed on appeal to the Kursk Regional Court through the Kurchatov City Court within a month from the date of the decision of the court in final form.
31. Judge M.The. Kovaleva

Binbank review - fraud, incompetence, uncontrollability, collection lawlessness.
I accuse Binbank of using fraudulent schemes, complete internal chaos and incompetence of the staff and cooperation with insane collectors.
Opened a card in Privat-Bank. (Subsequently, the Russian division of Privat was bought and became part of Binbank.) At the bank branch, they told me that there were no debit cards, but a credit card with a zero credit limit is exactly the same. I clarified that there is no maintenance fee and the credit limit is "o" - i.e. it is impossible to get into the minus and opened the map. I was persuaded to take insurance of the amount on the card for 60 rubles. per month, specifying that if there is no money on the card, then insurance is not charged, and if there is, it is automatically debited from the balance to zero. I agreed. To activate the card, at the request of the bank, I deposited 100 rubles into the account. I did not use the card anymore, there is not a single transaction on it.

A year later, I was suddenly informed that I had a debt of 600 rubles. Of course, I was surprised, because. debt even hypothetically had nowhere to come from. Came to the branch and checked. It turned out that the bank with 100 rubles. I wrote off 60 insurance, and the next month, in order to continue writing off, I took it and increased my credit limit (I don’t even know by how much). And then the bank began to cheerfully pay money for insurance by writing it to me as a loan. This scam is pure SCAM. At the same time, in order not to substitute the "honest" name of the bank for these operations, the bank created a gasket in the form of "Binbank Credit Cards" - a subsidiary with a name confusingly similar. It is clear that Binbank is still responsible for fraud.

On March 25, 2015, I wrote a statement at the bank office demanding to provide all the source documents, contracts and grounds for accruing a debt to me. The operator could not explain anything to me, only accepted the application and said that the answer would be within a month. As of 04/16/2016, there is still no answer.
At the same time, from 600 rubles of debt, the bank began to accrue interest on 04/05/2016, they indicate to me a debt of 12,000 rubles. To my demand to explain exactly how interest is calculated, representatives of the bank cannot explain.

In parallel, the bank transferred my debt to a collection agency and for several years their representatives have been trying to terrorize me. Calls and SMS, including in the early morning on weekends, notifications that they will come to my house to sort it out (so that I don’t go to work), threats and forms on the inventory of my property ... When talking with collectors, with representatives of the bank, with the security service Bank, after listening to the story, almost everyone agrees that I owe nothing, but at the same time they say that they do not have the authority to influence the situation in any way, and they don’t know who can influence it. And the calls continue.
From this I conclude that there is total incompetence and complete internal chaos in this bank.
Please do not contact this organization under any circumstances.

We continue to analyze the beloved credit letters of happiness, which I hope will soon become less in connection with the signing of the law by Vladimir Vladimirovich Putin, which does not allow misleading the borrower. But while there are such letters and I will have to sort them out, and today Bin-Bank will dilute the dominance of Alfa-Bank and we will consider new old scarecrows already from another bank. Go.

The essence of the situation

Important! It should be borne in mind that:

• Each case is unique and individual.
• Careful study of the issue does not always guarantee a positive outcome of the case. It depends on many factors.

To get the most detailed advice on your issue, you just need to follow any of the proposed options:

First comes a scribble not much different from the others, which is called NOTICE, but begins with a DEMAND. Bin Bank repeatedly demands to pay off the overdue debt within five days, and due to the fact that he does not know why we made a delay, he decided to conduct a pre-trial check and send requests to the relevant organizations - to the tax office, to the Pension Fund and the employer.

And I must say that having made a request to the tax office or to the Pension Fund, Bin Bank will not receive any answer, because these bodies are not required to provide this information - this has already been discussed in the case of Alfa-Bank, look at the link. Well, if such a request is made to the employer? Let's see what kind of request they attached.
Again, it seems that the request to the tax office is more likely addressed to the borrower and contains standard scarecrows:

Bin-Bank is doing due diligence and will soon be initiating foreclosure proceedings - but we know how to deal with that because we have the School of Revitalization, right? There are all the instructions to secure the property and source of income from foreclosure. Bin-Bank is still frightening by the fact that in the event of a violation of the loan agreement, the borrower will have taxable income and they will report it to the tax office - and this is true, but there is not much difference between not paying loans and not paying taxes. And if you don’t pay the loan at all, then you will be charged only 13% tax, and this, in my opinion, is a good opportunity to redeem the debt on your loan in a veiled form, huh?

Well, we already talked about the fact that the tax office will not give Bin-Bank information about your property and place of work in the article about the request to the tax office from Alfa-Bank and realized that this is not scary. Well, writing such a request to an employer is pointless, although there are employers who are afraid of everything and do not like it when an employee has problems with loans. Unfortunately, there are many such employers and the only thing you can do is to have a conversation, as I said in the article earlier - see the link.

What to do?

So, let's sum it up:

• The demand for urgent payment of arrears is not terrible
• Request to tax fabulous

What to do step by step:

1. Secure property and source of income according to the instructions in the School of Revival
2. Calmly wait for the court and remember why the court is beneficial for the borrower
3. Laugh at Bin-Bank's threats and wish him good luck, good mood, but complain that there is no money and advise him to stay there.
4. Like if it was helpful
5. Share with friends on social networks, all of a sudden they also have loans in Bin-Bank and they have already run to re-borrow money, frightened by requests to the pension, tax and employer
6. Write a comment and share your scarecrows from Bin-Bank

BinBank can, but get them right. And it’s better not to waste time and, because there are a lot of nuances. But if you want to find out yourself, then here:

Article 15

1. When performing actions aimed at extrajudicial repayment of the debt that arose under a consumer credit (loan) agreement, the creditor and (or) legal entity with which the creditor has concluded an agency agreement providing for the performance by such a person of legal and (or) other actions, aimed at repaying the debt that arose under a consumer credit (loan) agreement (hereinafter referred to as the person carrying out activities to repay the debt) has the right to interact with the borrower and the persons who provided security under the consumer credit (loan) agreement using:

1) personal meetings, telephone conversations (hereinafter referred to as direct interaction);

2) postal items at the place of residence of the borrower or the person who provided security under a consumer credit (loan) agreement, telegraph messages, text, voice and other messages transmitted over telecommunication networks, including mobile radiotelephone communications.

2. Other, with the exception of the methods specified in Part 1 of this article, methods of interaction with the borrower or the person who provided the security under the consumer credit (loan) agreement, at the initiative of the creditor and (or) the person carrying out debt recovery activities, can be used only when the presence in writing of the consent of the borrower or the person who provided the security under the consumer credit (loan) agreement.

3. The following actions are not allowed on the initiative of the creditor and (or) the person carrying out activities to repay the debt:

1) direct interaction with the borrower or the person who provided the security under the consumer credit (loan) agreement, aimed at the borrower's fulfillment of the obligation under the agreement, the due date for which has not come, unless the right to demand early fulfillment of the obligation under the agreement is provided for by federal law;

2) direct interaction or interaction through short text messages sent using mobile radiotelephone networks on weekdays from 22:00 to 08:00 local time and on weekends and public holidays from 20:00 to 09:00 local time at the place of residence the borrower or the person who provided security under a consumer credit (loan) agreement, which is indicated when concluding a consumer credit agreement (an agreement that ensures the execution of a consumer credit (loan) agreement or about which the creditor was notified in the manner prescribed by the consumer credit (loan) agreement).

4. The creditor, as well as the person carrying out activities to repay the debt, is not entitled to take legal and other actions aimed at repaying the debt that arose under a consumer credit (loan) agreement with the intention to harm the borrower or the person who provided security under the consumer credit agreement (loan), as well as abuse the right in other forms.

5. When interacting directly with the borrower or the person who provided security under a consumer credit (loan) agreement, the creditor and (or) the person carrying out activities to repay the debt are required to report the last name, first name, patronymic (the last one, if any) or the name of the creditor and ( or) a person engaged in debt collection activities, or location, last name, first name, patronymic (the last one, if any) and position of an employee of the creditor or a person engaged in debt collection activities that interacts with the borrower, location address for sending correspondence to the creditor and (or) a person carrying out activities for the return of debt

Consequences of violation by the borrower of the deadlines for repayment of the principal amount of the debt and (or) payment of interest under a consumer credit (loan) agreement

1. Violation by the borrower of the terms for repayment of the principal amount of the debt and (or) payment of interest under the consumer credit (loan) agreement shall entail liability established by federal law, the consumer credit (loan) agreement, as well as the emergence of the right for the creditor to demand early repayment of the entire remaining amount of the consumer credit (loan) together with the interest due under the consumer credit (loan) agreement and (or) termination of the consumer credit (loan) agreement in the case provided for by this article.

2. In the event that the borrower violates the terms of the consumer credit (loan) agreement in relation to the terms for repaying the amounts of the principal debt and (or) paying interest for a duration (total duration) of more than sixty calendar days during the last one hundred and eighty calendar days, the creditor has the right to demand early repayment of the remaining amount consumer credit (loan) together with interest due and (or) termination of the consumer credit (loan) agreement by notifying the borrower in the manner prescribed by the agreement and setting a reasonable term for repaying the remaining amount of the consumer credit (loan), which cannot be less than thirty calendar days from the date of notification by the creditor.

3. In the event that the borrower violates the terms of the consumer credit (loan) agreement concluded for a period of less than sixty calendar days, on the date of repayment of the amounts of the principal debt and (or) payment of interest for a duration (total duration) of more than ten calendar days, the creditor has the right to demand early repayment the remaining amount of the consumer credit (loan) together with the interest due or termination of the agreement by notifying the borrower in the manner prescribed by the agreement and setting a reasonable period for repayment of the remaining amount of the consumer credit (loan), which cannot be less than ten calendar days from the moment the creditor sends notifications.

4. The borrower cannot be held liable for violation of the terms for repayment of the principal amount of the debt and (or) payment of interest, if the borrower complied with the terms specified in the last schedule of payments under the consumer credit (loan) agreement sent by the creditor to the borrower in the manner provided for by the consumer credit agreement. credit (loan).