Find out the status of disagreement in asv. How to find out the status of the application for disagreement with the amount of compensation in the DIA

For more than 10 years, the so-called deposit insurance system has been operating in Russia. Before the introduction of this system, no one could guarantee the safety of depositors' savings.

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The bank went bankrupt or its license was revoked - that's it, the money is irretrievably lost. But that was before, now there is nothing to be afraid of. You can safely invest in any bank that has the appropriate accreditation from the DIA.

What it is

Proper functioning of the system is ensured. In pursuance of the requirements of this Federal Law, the state created a corporation called the Deposit Insurance Agency (abbreviated as DIA).

It happened in January 2004. Since then, the systematic involvement of Russian banks in the insurance system has begun.

The purpose of creating a corporation is to ensure the functioning of insurance at the state level.

In order to fulfill the legislative requirements, the DIA is entrusted with the following functions:

• making compensation payments to depositors in the event of an insured event;
• maintaining an official register of credit institutions participating in the insurance system;
• control over the formation of the insurance fund;
• management of the insurance funds of the insurance fund;
• other functions that directly or indirectly ensure the proper functioning of the system as a whole.

Official statistics for 2020:

Which deposits are considered insured

According to 177-FZ, funds in rubles and foreign currency that were placed by individuals in banks located on the territory of the Russian Federation and included in the insurance system are subject to insurance.

The basis for the placement of funds should be:

• or a deposit agreement;
• or account agreement.

Important! Insured are not only the money deposited initially, but also the accrued (capitalized) interest.

Insured events

The right of the depositor to apply for monetary compensation arises in the event of an insured event. There are only two of them:

• revocation of a license from a bank for banking operations;
• bankruptcy (insolvency) of a credit institution.

The procedure for reimbursement of deposits in the DIA

So, in relation to the bank in which the individual had a deposit, an insured event occurred. What to do?

There is a certain sequence of actions:

• clarify whether a citizen has the right to receive a payment (first of all, who he is - the depositor himself, his representative or heir);
• then you need to find out who is responsible for making insurance payments - the DIA itself or the agent bank (the DIA can entrust the payment of insurance to other banks due to the territorial factor for the convenience of citizens);
• check the deadlines when it is still possible to apply for compensation - in case of bankruptcy of the bank, the depositor can exercise his right until the day the insolvency procedure is completed, inclusive;
• collect documentation (more details below) and submit to the DIA or agent bank;
• expect the transfer of funds in the time and manner established by 177-FZ (for more details, see below).

Required Documentation

When visiting an agent bank or DIA directly, the depositor or heir will need to provide:

• identity documents;
• for the heir - documentation proving the right to inherit.

Note! Details of the identity document must match those specified in the bank account/deposit agreement.

That is why it is important to notify the bank in which there is a deposit about the replacement of the passport. Otherwise, it may be more difficult to get insurance.

Important! In addition to the above documents, the representative of the contributor must submit a letter stating the right to receive a refund.

Procedure for payment of compensation

Payment of insurance is carried out according to the official register of the bank's obligations to creditors (depositors).

Standard payout period:

• after 2 weeks from the date of the insured event;
• but no later than 3 days from the date of submission by the applicant of a complete set of documentation.

In exchange for the documents provided, the DIA or the agent bank issues to the depositor an extract from the register of obligations of the credit structure indicating the amount of compensation.

Compensation payments are made in two main forms:

• cash;
• non-cash payment (to a bank account or bank card).

Which method to use is up to the investor to decide. All the information you need about the procedure for paying compensation can be clarified by the Agency's toll-free number.

Amount of compensation

The insurance amount is:

• 100% of the deposit amount;
• but not more than 1.4 million rubles.

This amount of compensation is valid if the insured event occurred later than 29.12. 2020. Previously, there was a reduced maximum amount - only 700 thousand rubles.

The above is true for one deposit in one credit structure. But how is insurance calculated if a citizen has several deposits in the same financial institution?

In this case, the calculation is carried out in proportion to the size of the available deposits. However, the total amount of compensation still cannot exceed 1.4 million rubles.

Example. The depositor has 5 deposits in a bankrupt bank:

Solution. The total amount of investments is 1.5 million rubles. However, compensation will be paid only in the amount of 1.4 million rubles. It turns out that the citizen will lose 100 thousand rubles.

Insurance is paid only in Russian rubles. If the deposit (deposits) were in a foreign currency, the conversion into Russian rubles is carried out at the rate of the Central Bank established on the day of the insured event.

How to calculate it

To find out how much the DIA will pay, you can use the calculator located on the website of the state corporation.

For this:

• go to the DIA website;
• in the left menu, click "Deposit insurance";

• on the page that opens, we find the “Insurance Compensation Calculator”.

The calculation form is simple and unpretentious - you need to enter the date of the insured event, the amount of deposits in one bank, the amount of the counterclaim (if the depositor had loans, liabilities are deducted from the insurance) and click "Calculate". In the field “Amount of compensation” the final amount of insurance will be presented.

Example:

How to check the status of a complaint

If the depositor does not agree with the amount of insurance, he can apply to the DIA or an authorized agent bank.

Tracking the status of consideration of the application is available on the official website of the Agency. At the same time, in the complaint, the contributor must indicate that he wants to receive relevant information on the Internet.

To get information about the status of your application, you should:

• go to the DIA website in the “Deposit insurance” section;

• click "Check status";

• fill out the depositor's details form:
  • Name of the bank;
  • series, passport number.

After filling in all the required fields, you should enter the code from the image, agree with the personal information processing policy and follow the further instructions of the system.

Questions and answers

Q: Does debit card funds cover insurance?

A: Any debit card usually has a bank account. Accounts are subject to opening on the basis of an account agreement. According to the law, the funds placed on the basis of such an agreement are insured. This means that insurance also applies to debit plastic cards.

Q: Are unallocated metal accounts insured?

A: No, the insurance system ensures the safety of only cash, and metal accounts do not take into account money, but precious metals.

Q: Tell me, are the interest insured?

A: Yes, but only if they are added to the deposit (that is, they are capitalized). If the income is paid to the depositor, such interest is not subject to insurance.

V.: Several deposits were opened in the same bank, but in different offices (branches, representative offices). How much will the insurance pay out?

A: Deposits in different branches of the same bank = Deposits in the same bank. Accordingly, compensation will be paid in the amount of 100% of the amount of all deposits, but not more than 1.4 million rubles.

Q: My spouse has a deposit and so do I (in the same bank). What will be the insurance?

A: Each spouse will receive the reimbursement separately.

Q: What if I miss the application deadline?

A: The Board of the DIA can restore missed deadlines, but only in cases established by the Federal Law. These can be, for example, a long illness, being on a business trip, etc.

The DIA is a state institution whose main purpose is to ensure the safety of the financial resources of citizens held on deposit accounts in Russian banks.

The insurance system is controlled by the state - there is a separate Federal Law, which spells out all the nuances related to the operation of the system.

Video: All about deposits. Marina Komarova

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

Good afternoon. I carefully read your article, but did not find an answer to my question in it.

I am a client of the Moscow branch of Talmenka-Bank, whose license was revoked at the beginning of the year. I applied to the DIA, wrote a statement of disagreement at the agent bank, attached photocopies of the deposit agreement and the incoming cash order to it.

But the answer really surprised me. I simply did not appear in the register of contributors! How is this possible? How to protect yourself from such situations in the future? I have a deposit in Tinkoff Bank, maybe I'm not in the register there either?

And what should I do now? Look for other failed contributors? Go to court?

The DIA letter does not shed any light on the situation:

Hope you can help.

Michael, we sympathize with your situation.

Ekaterina Morozova

Tinkoff Bank lawyer

If the client of the bank does not agree with the amount of compensation for deposits, the procedure for his actions is prescribed in paragraphs. 7-10 Art. 12 of the law on insurance of deposits of individuals.

The situation when information about the client's deposit is not in the bank's register is not regulated by law. But in this case it makes sense to proceed by analogy. Disagreement with the amount of compensation is the same as disagreement with the absence of you as a depositor in the bank register and with the fact that you are entitled to a refund of 0 rubles.

The only way to get a deposit refund- make changes to the register of contributors. To do this, the victim or his representative must send an application to the DIA for inclusion in the register of contributors. All documents you have must be attached to the application, which confirm that you had a deposit in this bank. This includes bank statements, bank statements, SMS from the bank, and so on.

I advise you to send copies of documents certified by a notary to the DIA. Keep the originals for court.

DIA is obliged to forward your application to the bank that has lost its license. The bank, in turn, is obliged to consider your application within 10 days and, if it is justified, correct its register.

1,4

million rubles - the maximum amount of the deposit to be reimbursed by the DIA

Court. Since you have already received a refusal from the DIA, I advise you to go to court and file a lawsuit against the DIA and the bank (represented by the temporary administration) to establish the composition and amount of the relevant requirements, as well as the reimbursement payable on deposits. In this case, the DIA and the bank will act as co-defendants, that is, in the statement of claim, you ask the bank to include you in the register, and the DIA to pay out insurance. To this statement of claim, attach the originals of all documents that confirm the presence of a deposit in the bank, as well as the refusal of compensation that the DIA sent you.

Read more about how to file a claim in the articles of Tinkoff magazine:

Timing. In accordance with Art. 7 of the law on insurance of deposits of individuals, you have the right to apply to the DIA from the day the insured event occurs until the day the bankruptcy proceedings are completed. If the Bank of Russia imposes a moratorium on satisfying the claims of creditors, then until the day the moratorium expires. If you missed this deadline, you can try to restore it on the grounds provided for in the law (clause 2, article 10 of the law on insurance of deposits of individuals). The term for applying to the court is 3 years from the date of the occurrence of the insured event.

deposits in other banks. Until the license is revoked, banks do not keep a register of depositors. Banks form various registries to work with depositors and do portfolio analysis, but these registries are not intended to be transferred to the DIA in case of license revocation. The register for the DIA is formed only after the occurrence of an insured event.

Therefore, you will not be able to check whether you are on the DIA registry at any other operating bank, despite having deposits.

In order to protect yourself from such situations in the future, I advise you to keep all bank documents until the end of the deposit term. Do not throw away account statements, do not erase SMS from the bank on your phone - all this can come in handy. Such documents play a key role when considering the inclusion of a contributor in the register.

If you have a question about personal finances, expensive purchases or a family budget, write to: [email protected] We will answer the most interesting questions in the magazine.

01/30/2018 \ Financial sector news

By orders of the Bank of Russia dated December 13, 2017, the banking license of the credit institution CB Kansky LLC was revoked and a temporary administration was appointed to manage the credit institution.

Since December 26, 2017, the State Corporation "Deposit Insurance Agency" has been paying insurance compensation to bank depositors through PJSC Sberbank (agent bank). During this time, insurance compensation in the amount of 1.63 billion rubles. 3.2 thousand depositors were paid out, which amounted to 90.1% of the Agency's insurance liability.

At the same time, during the formation of the register of the bank's obligations to depositors by the temporary administration, which includes employees of the Agency, facts of unauthorized debiting of funds (in whole or in part) from the accounts (deposits) of individuals, as well as operations to receive funds without crediting to accounts (deposits) of the entire deposit amount or part of it. Incoming and outgoing cash documents were found that did not have the signature of the depositor, other gross violations of the procedure for accounting for transactions with deposits were revealed.

In addition, the bank's management, in violation of the requirements of the law, did not fully transfer primary banking documents and an electronic database on the bank's operations to the provisional administration.

On January 5, 2018, on the computer of one of the bank employees, the Provisional Administration found a file with a spreadsheet containing unsystematized information about about 800 depositors and the amounts of money allegedly debited from the accounts of depositors without their instructions, or not credited to their accounts. There is no information about these operations in the accounting system (balance sheet) of the bank.

The specified table, taking into account the explanations of the bank employees about the origin of the information contained in it and the reasons for their absence in the balance sheet, will be used when considering applications received from depositors on disagreement with the amount of insurance compensation for deposits (accounts) in conjunction with the documents submitted by them confirming the amount of the deposit , and documents found in the bank. The amount of obligations to depositors will be established on the basis of documents submitted by them confirming the size of the deposit (account), as well as information and documents found in the bank. If necessary, the Agency will conduct special studies, examination of documents, surveys of depositors.

At present, the interim administration appointed by the Bank of Russia and the Agency are taking measures to restore the information on the bank's real obligations to depositors in the bank's accounting records, the result of which will be the introduction of appropriate changes in the register of the bank's obligations to depositors.

The Agency intends to carry out out-of-court measures to restore the principal amount of deposits in the accounting as soon as possible, and then proceed to restore the rights to interest on deposits.

At the same time, depositors who will receive insurance compensation for the principal amount of the deposit do not need to send additional applications and documents to the Agency in order to receive compensation for interest.

Depositors will be notified about the possibility of receiving insurance compensation, both for the principal amount of the deposit and for interest, by sending SMS notifications.

If the documents previously attached by the depositor to the statement of disagreement are not enough to establish the amount of the bank's obligations, the Agency will send the depositor an appropriate message.

The Agency is sympathetic to the situation in which depositors found themselves as a result of the illegal actions of the former management and owners of the Bank, and will make every effort to minimize negative consequences and restore information about depositors in the register. The Agency expects to complete the main part of this work within 2 months.

Depositors can obtain additional information on the procedure for paying insurance compensation on the official website of the Agency in the section "Deposit insurance / Insured events / CB Kansky LLC" and by calling the Agency's hotline (8-800-200-08-05) (calls within Russia free).

The situation when a person finds out that his deposit is not on the bank's balance sheet is not so rare. This is evidenced by the numerous stories of depositors whose money was off the balance sheet, for example, Mosoblbank, Master Bank, Probusinessbank, Russian Credit Bank and others: their deposits were not included in the register of depositors for payments by the Deposit Insurance Agency (DIA) or they may be returned a smaller amount.

It is possible to find out how much a depositor of a bank without a license will receive only after the DIA starts paying out through an agent bank. When submitting an application for insurance indemnity, the client will see an extract from the register of obligations indicating the amount of his deposit.

What to do if your contribution was not listed in the register or a smaller amount of compensation is indicated?

If the amount is less than the amount of the deposit or the depositor is not on the list at all, he should write a statement of disagreement and attach documents confirming his words. The application can be submitted to the DIA independently or sent through an agent bank that will make payments.

What documents can be proof of the presence of a deposit and its exact amount?

This is a bank deposit agreement, savings book, cash receipt order, account statements.

The application must be accompanied by the originals of all these documents, not their copies. You also need to have your passport with you.

What to do if the depositor lost

or did not keep these documents?

Unfortunately, in this case, there is a high probability that the depositor will not be able to prove his case and he will be left with nothing. The only way out for a bank client with a revoked license, who was not included in the register of payments, and even lost the deposit agreement, is to go to court.

It is very important to keep the agreement and all documents, including checks after each deposit replenishment, until the deposit is closed. It would also be useful to ask the bank for an account statement certified by a seal every few months.

How long does it take for the DIA to review a complaint?

On average, a depositor’s statement of disagreement is considered within two to three weeks: during this period, the DIA will send a request to the bank, analyze the bank’s accounting data, check the documents and, based on the results of these actions, decide whether to include the depositor or the unrecorded amount of his contribution in the register or not .

How to find out about the ASV solution?

You can get data on the status of consideration of your application using a special online service on the DIA website (http://www.asv.org.ru/insurance/claim/), where you need to fill out a simple form indicating your full name. and passport information. If the decision has already been made, then you can find out about it using another service - in the "Insured events" section, by selecting the desired bank.

What should I do if the DIA has rejected the statement of disagreement?

The DIA may refuse if the depositor has provided a deposit agreement concluded in a non-standard form, or does not have supporting documents at all. The agency's decision can only be appealed in court.

What do you recommend?

When opening a deposit, you are obliged to receive an agreement and a cash receipt order from the bank for depositing money into the account or a payment order for a cashless transfer of money. These documents must be signed and stamped by the bank.

Demand a certified copy of the power of attorney of the bank employee who signs the agreement with you: it must indicate his authority to conclude deposit agreements.

All deposit opening operations must be performed at the bank premises, and funds must be deposited at the bank cash desk. All this will eliminate the risk of recognizing you as an unscrupulous depositor.

This is rare, but still happens, with the help of "gray" schemes, not all deposits or deposits are not displayed in full on the bank's balance sheet, which is revealed after the license is revoked. In this situation, some clients may not be included in the Deposit Insurance Agency's (DIA) depositor's register or may receive a lower amount. At the end of 2015, depositors of NST-Bank and Maximum Bank faced such a problem. Sravni.ru will tell you how to act in such cases.

What should a depositor do if his name is not in the register of obligations of a bank with a revoked license or he does not agree with the amount of compensation?

You can find out how much a depositor of a bank without a license will receive only two weeks after the withdrawal, when the DIA starts paying out through an agent bank. Then, when submitting an application for receiving insurance compensation, the client will see an extract from the register of obligations indicating the amount of the deposit.

If the amount is less than the deposit, despite the fact that it does not exceed the 1.4 million rubles insured by the state, or even worse, the depositor is not on the list, then he will need to write a statement of disagreement and attach documents confirming his words.

The application can be sent to the DIA through the agent bank, which makes payments, or you can transfer it yourself.

What documents can serve as proof of the deposit and its exact amount?

Documents that confirm the validity of the depositor's claims:

• bank deposit agreement, savings book;
• incoming cash order;
• account statements.

The application must be accompanied by the originals of these documents, not copies. You also need to bring your passport with you.

If the depositor lost or for some other reason did not keep these documents?

“The deposit agreement is also in the bank itself - when opening a deposit, the document is signed in two copies. And in case of loss, the credit institution simply finds its copy and, based on it, works further. If the bank has a problem, that is, its license has expired or been revoked, it is in the process of reorganization, and the contracts have been withdrawn, then the problem is unlikely to be solved. In this case, the investor has the only way out of this situation - to bring an agreement, otherwise he is left with nothing, ”Daniil Kirikov, managing partner of Kirikov Group, commented to Compare.ru.

It is very important to keep the agreement and all documents, including checks after the next deposit replenishment, until the deposit is closed. Experts also advise every few months to ask the bank for an account statement certified by a seal.

Of course, a client of a bank with a revoked license, who was not included in the register of payments (or a smaller amount is indicated in the register) and also lost the deposit agreement, has the opportunity to go to court.

“He needs to contact the police or the prosecutor’s office, write a statement, they must find the elements of a crime there - that is, it must be known for sure that the bank withdrew deposits from the balance, then an investigation, and the court is very long. Few people, firstly, will do this, and, secondly, even here the probability of a positive decision is a big question,” Daniil Kirikov warns.

How many days does the DIA consider a statement of disagreement?

On average, a depositor's statement of disagreement is considered within two to three weeks. During this period, the agency will send a request to the bank of its temporary administration, analyze the bank's accounting data, check the documents and, based on the results, make a decision whether to include the depositor or the unrecorded deposit amount in the register or not.

How to find out about the ASV solution?

You can get data on the status of consideration of the application using a special one on the DIA website. It is enough to fill out a simple form with your full name and passport data. If the decision has already been made, then you can find out about it using another service - in the section, by selecting the desired bank.

What should I do if the DIA has rejected the statement of disagreement?

The DIA may refuse if the depositor has provided a deposit agreement concluded in a non-standard form (for example, the document does not indicate the balance account number) or if the client split his large deposit before revoking the license, reissuing it to several people - each with a deposit within the sum insured. The agency's decision can only be appealed in court.

How can a repentant "crusher" of deposits correct the situation?

Suppose that a large depositor (more than 1.4 million rubles on deposit) found out about the problems in his bank in advance - someone from his acquaintances said, stumbled upon material on the Internet. In a panic, he runs to the office of a credit institution and wants to withdraw his money, and the bank employee reassures him: “What are you afraid of? You can simply divide the deposit into several parts, each within the limits of the insurance indemnity, and issue these parts to your relatives - then each of them will receive insurance in case of anything, and you will not lose anything!