On June 17, 2019, SKB-Bank PJSC, Polevskoy Subsidiary Subsidiary Seversky, applied to close the account and cancel the card, and there was a debt on the card, although I did not connect any services to it, I paid the debt on the spot. My application was accepted by senior specialist L.N.V. on June 17, 2019 at 1:24 p.m. At the same time, she cut the card in front of me and threw it away. In the month of August, I received a call that there was a debt on the card, through the Internet bank I paid off the debt again, as it was not possible to get to the bank. On September 23, 2019, when I came to the bank, I found out that I was in debt again and the card was not closed, and some expensive package was connected to the card. I paid the debt for the third time and wrote a statement. This time my application was accepted by specialist H.R.R. It's September 25, 2019, and the card is still not closed, hotline They tell me to contact the bank, but I’ve been there twice. How is the card closed, until when will I pay for it??

25.09.2019 17:33

Bank representative's response

Dear Dmitry, hello!
We are very sorry that such an incident occurred. Your agreement for the issue and servicing of international banking debit cards No. 12*******69 was closed on 10/01/2019, the bank returned the overpaid commission to your account.
We apologize for the inattention of our employees. The office carried out explanatory work

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Dmitry, your complaint has been sent to the bank.

7 years ago I connected a salary overdraft to my salary card at SKB Bank, I don’t remember the exact amount. According to the loan agreement, the money had to be debited from my account by bank employees, that is, I did not pay in cash. During these 7 years, money was received on my card every month, it was my only card, all my salaries, vacation pay and other payments were received only on this card. I was confident that the bank would write off my debt every month. I didn’t evade payment, all my data is in the bank, but during this time, for 7 years, no one called me, wrote me, and I did not receive any notification letters about any debt. And then yesterday I received a message that my card was blocked. I went to the bank and found out the reason for the blocking. But they don’t explain to me the court order on the basis of which they blocked my card; they don’t explain it to me for any period of time. I was left without a livelihood with a two-year-old child in my arms. I can’t pay for kindergarten, utilities and generally have nothing to live on. I called the bank's hotline, but I did not receive a specific answer. What kind of attitude towards people??? I have never been in debt to banks, and now my credit history is ruined. Forced to go to court and recover all material and moral costs. And immediately after this issue is over, I will leave this bank; I don’t want to deal with illiterate employees and bank managers. I will no longer trust my funds to this bank, rating SKB bank is falling dramatically, many of our employees are leaving this bank.

17.05.2019 11:15

Bank representative's response

Dear Galina Viktorovna, hello!
We inform you that you can receive a response to your request by contacting the SKB Bank office at the address: Volzhsky, st. 7th Highway, 6, and presenting for identification a document proving your identity in accordance with the legislation of the Russian Federation.

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Galina Viktorovna, your complaint has been sent to the bank.

Complaint / Sender not identified / Verified

Today I contacted SKB Bank in Smolensk to close the card and account. I was refused. In accordance with Art. 859 of the Civil Code of the Russian Federation, my right was violated. I will take action and contact Rospotrebnadzor and the Central Bank.

05/11/2019 12:28 / Sergey

Bank representative's response

Dear Sergey, hello!
First of all, we would like to note that you were not refused to close your card or card account. Since May 11 is one of the days off during the May holidays, the office staff did not have the technical ability to perform this operation on that day. The employees informed you about this, and also expressed their readiness to close the card and account on the first working day after the holidays - which was done on May 13: based on your application, the card was canceled.
In addition, we draw your attention to the fact that termination of the agreement for the issue and servicing of international bank debit cards is carried out within 45 days from the date of submission of the application.
If you have any additional questions, call us at 8 800 1000 600, we will be happy to help you.

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Sergey, your complaint has been sent to the bank.

Bank review / Sender identified / Verified

Upon registration loan agreement for a consumer loan from 02/08/2019. The bank violated clause 15 of the loan agreement: “services provided by the lender to the borrower for a fee and necessary for concluding an agreement, their price or the procedure for determining it, as well as the borrower’s consent to provide such services are not applicable.” However, a Subscriber Service Agreement with Legal Systems Integrator LLC was attached to the loan agreement for me to sign and payment for these services imposed by the bank in the amount of 20 thousand rubles was transferred from my loan account. In fact, I received a loan in the amount of 100 thousand. rubles, and the loan agreement was drawn up for 120 thousand rubles. Moreover, the additional services of Legal Systems Integrator LLC were presented to me by the bank’s credit inspector as services for insuring the borrower, which can be refused and the insurance premium returned in accordance with Article 958 of the Civil Code of the Russian Federation and the Instructions of the Bank of the Russian Federation no. 3854-u, but later it turned out that this the organization has nothing to do with insurance and upon request to terminate the Subscription Agreement with a return of 20 thousand rubles. refused. In response to my appeal to PJSC SKB-Bank, a response was received for number 220.1-52231c dated March 20, 2019, here is an excerpt from it: “... this agreement was concluded without the participation of the Bank.” I didn’t expect such a “trick” from PJSC SKB Bank, because... last summer I took out a consumer loan from this bank and the conditions for obtaining the loan were transparent and did not infringe on the rights and interests of the borrower in order to obtain additional benefits. Now I am preparing documents to submit to the court.

04/08/2019 16:51 / Valentina

Bank representative's response

Dear Valentina Yuryevna, hello!
We would like to draw your attention to the fact that the loan agreement concluded between SKB Bank and you on 02/08/2019 does not contain any conditions imposing on you the obligation to conclude a subscription agreement with Legal Systems Integrator LLC. We would also like to note that the registration of subscription agreements is carried out on a voluntary basis and is not a prerequisite for obtaining a loan. The client independently decides whether or not to use additional services that may be offered to him at the bank branch, and the client always has the opportunity to carefully study all the documents before signing the contract.

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Valentina Yuryevna, your complaint has been sent to the bank.

Complaint / Sender not identified / Verified

Invited to the bank for registration consumer loan, and they themselves said what documents to bring. I work by verbal agreement, so I came with a certificate in the form of a bank, a passport and a driver’s license. Filled it out. They called everyone. At the end of the working day, an employee called and said that the loan was approved, but first the bank’s security service wanted to talk to me and ask a couple of questions, to which I answered well and that I would wait for a call. In the morning the girl never called back. A day later an SMS comes with a refusal. That's it. I forgot about it when two weeks later I got a call from the police. The police officer said that the bank allegedly conducted its investigation and found that I had lied about everything about work and that I had generally come to take possession of their money and not return it. Although I have a credit history and there are no late payments or non-payments. And now I have a small loan, which I also pay on time. But they called the store where I work in the village and they didn’t recognize me by my last name, since I got married and everyone in the village knows me by my maiden name. But without understanding it, they immediately label it... a fraudster and a person who cannot pay. They started calling my manager and threatening her, if she doesn’t confess to something incomprehensible, then she will face charges. And this is not done by police officers, but by the security service of this bank in Omsk. The security team at this bank are evil people. They take on too much. Apparently they wanted a bonus. They think they can make money from me. Do not contact this bank. SKB-Bank is just terrible. And after reading the reviews I am horrified. You can not do it this way. They comb people under the comb of those who really throw... and people who are capable, guys. He is. And health to you all who participated in this. And anyone who wants to complain, write to SKB Bank.

The security service that did this should be punished.

03/08/2019 17:30 / Irada Comments: 1

Bank representative's response

Dear Irada, hello!
We inform you that your application has been reviewed by the bank. If any questions arise and to obtain the necessary information, the bank will contact you additionally.

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Irada, your complaint has been sent to the bank.

Complaint / Sender Identified / Verified

LLC (hereinafter also referred to as the Company) has been a client of the NGO “St. Petersburg” of the Delo Branch of PJSC SKB-Bank (hereinafter also referred to as the Bank) since January 2019 under a bank account agreement. The opening of an account with the Bank was preceded by negotiations with the Manager of the St. Petersburg Public Association, which guaranteed all assistance on all issues related to servicing and maintaining the Company’s account. 01/31/2019 The company was faced with a situation where its current account was blocked. Negotiations with the Manager of the NGO "St. Petersburg" did not lead to any result - no information was received about the reasons and necessary measures to unblock your account. On 02/06/2019, the Bank’s Customer Care Service by calling 8-800-5000-700 did not receive information about the reasons for the blocking. Due to this blocking, the Company was unable to fulfill its obligations to counterparties in full and is obliged to return them cash. In a telephone conversation, an employee of the Customer Care Service explained that it is necessary to contact the Bank branch with a payment order for on paper, which was done by the Company on 02/06/2019 ( payment order No. 8 of 02/06/2019) On 02/07/2019, a notification was received in the Internet client system about the refusal to carry out the operation with reference to clause 11 of Art. 7 Federal Law No. 115-FZ and information about the right to provide documents to the Bank stating that there are no grounds for making a decision to refuse to execute an order to perform a transaction. In order to find out the specific list of documents that must be provided to the Bank, the Company again contacted the Bank’s Customer Care Service and received a response that unblocking the account was impossible due to the failure to provide the Bank with information on the request for activity, which was sent on January 30, 2019 and “was closed” on January 31, 2019. Thus, the Bank provided the Company with only 1 (one) day to provide information. At the moment, even with all its desire, the Company does not have the physical opportunity to even familiarize itself with this request, because it "was closed." Additionally, it is worth noting that the Company did not receive any request from the Bank, including via SMS message. The only SMS message that the Company received contained the information: “The capabilities of Internet banking are limited. Detailed information by phone 8-800-5000-700.” Currently, Bank employees recommend opening a current account in another bank and closing the account in Delo Bank. However, apparently due to the current situation, the Company cannot do this, because receives refusals to requests to open accounts in other banks. Thus, a situation has been artificially created on the basis of which the LLC must close the account with the transfer of funds with a Bank commission of 10%. LLC regards these actions of the Bank as unfriendly and sees in this an abuse of right on the part of the Bank (Article 10 of the Civil Code of the Russian Federation), as well as an attempt to obtain additional profit in the form of a commission of 10%, including taking into account the actually provided 1 (one) day for provision documents on the request, which the Company did not have the opportunity to review during the period January 30-31, 2019, and the actual impossibility of reviewing and responding to this request at the present time. The above also applies to the actions of the Manager of the St. Petersburg Public Association, who promised assistance in resolving emerging issues, but in fact - a complete failure to fulfill these promises and redirecting the Company, as a client of the Bank, to the Customer Care Service. In accordance with Art. 309 of the Civil Code of the Russian Federation “Obligations must be fulfilled properly 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.” By virtue of Art. 310 of the Civil Code of the Russian Federation “Unilateral refusal to fulfill an obligation and unilateral change of its conditions are not allowed.” According to Art. 858 of the Civil Code of the Russian Federation “restrictions on the disposal of funds in the account are not allowed, with the exception of the seizure of funds in the account or the suspension of operations on the account, including blocking (freezing) of funds in cases provided for by law” - without a court decision and in the absence of enforcement proceedings. The provision of paragraph 2 of Art. 845 of the Civil Code of the Russian Federation, which guarantees the client’s right to freely dispose of funds. In violation of paragraph 2 of Art. 6 of Federal Law No. 115-FZ of 08/07/2001 (as amended and supplemented), transactions with funds are subject to mandatory control if at least one of the parties is a person in respect of whom there are received in the manner prescribed by law about their involvement to extremist activities or terrorism. There is no such information regarding the LLC and its counterparties, and therefore the Bank has no right to restrict access to either money or account management.

Based on the above, I ask: 1. To understand the current situation and the legality of actions on the part of the Delo Branch of SKB-Bank PJSC. 2. Assist in unblocking the LLC account and related further normal activities of the Company. 3. Oblige the Delo Branch of SKB-Bank PJSC to provide clients with more time to familiarize themselves with and respond to requests. 4. Eliminate the possibility of the Delo Branch of SKB-Bank PJSC putting clients in the situation of having to pay increased commissions when conducting client transactions (including when the Bank recommends closing an account). Please send an electronic response by email. Sincerely, General Director Valery Alexandrovich.

02/11/2019 14:11 / Valery

Bank representative's response

Dear Valery Alexandrovich, hello!
We inform you that the bank has considered your appeals, as well as the appeal addressed to the Office of the Consumer Rights Protection and Accessibility Service financial services Bank of Russia.
Official responses on the merits of your requests have been sent to the postal address of TECHNOPARK LLC.

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Valery Alexandrovich, your appeal has been sent to the bank.

Complaint / Sender Identified / Verified

Good afternoon. I received an offer from the bank that I had been pre-approved for a certain amount of money from SKB Bank. I decided to take advantage of this offer and contacted the bank branch, which is located in the Tyumen region in the city of Tobolsk. Provided a package of documents required by the bank. I received a response of approval for a certain amount. I was invited to sign and receive of this loan. Arriving at the branch, the manager of this branch called me and asked me to provide an account statement from the bank, since I am individual entrepreneur. Having gone to my bank, I took the statement and brought it to the manager of SKB bank, to which he replied that he had sent this statement to his manager for consideration and said to wait for an answer. After waiting for more than one hour, the answer never came and I was told to contact me on January 5, 2019. I just can’t understand why my loan was approved and not issued on the same day when I was invited to receive and sign the loan documents?

I ask you to find out why they are misleading people and wasting the client’s personal time. I believe that if the loan was approved, then it should be issued on the day when I was invited to receive the loan, and not fool people. I spent two days on this bank.

12/29/2018 19:30 / Akiv

Bank representative's response

Dear Akiv Latif oglu, good afternoon!
We would like to clarify that the decision to issue a loan in each case is made on the basis of a detailed analysis financial situation the borrower, taking into account all the circumstances that may affect the servicing of the loan, since we are interested both in ensuring that there are no overdue debts on loans, and in ensuring that our clients are satisfied with the bank’s products.
We also draw your attention to the fact that the bank may refuse to conclude a loan agreement for a client without giving reasons.
We regret that your loan application was denied.

Sincerely, SKB-bank

Response from the editors of the ARB website

Dear Akiv Latif ogly, your appeal has been sent to the bank.

Complaint / Sender Identified / Verified

Stop calling. Repeatedly there is an automatic call that supposedly was left by me loan application, with a request to come to the bank. I have never left a request on your site. I ask you to sort it out and stop calling.

02.11.2018 15:46

Bank representative's response

Dear Natalya Anatolyevna, hello!
As the audit showed, on October 30, 2018, on behalf of a person with the same full name as yours, a loan application was registered on the partner website of SKB Bank, and the client indicated your phone number.
Calls to your number have been stopped. We regret that we were misled and apologize for the inconvenience caused.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Dear Natalya Anatolyevna, your complaint has been sent to the bank.

Complaint / Sender not identified / Verified

YOUR BANK HAS ONE BRANCH IN OUR CITY, WHICH EMPLOYS TWO PEOPLE. SERVICE IS SLOW AND CORRECT ADVICE IS IMPOSSIBLE TO OBTAIN. SO I WAS TOLD AT THE BANK BRANCH THAT A NAMED DEB CARD IS OPENED AND ISSUED IN THE BANK WITHIN 5 MINUTES. IN THE BASEMENT THEY SEEM TO BE RELEASED BY SCRATCHING THEIR INITIALS WITH A NAIL. IN FACT WE WERE SITTING IN QUEUE FOR ALMOST 2 HOURS.. IF IT WERE NOT FOR PAYMENT FOR STUDIES THROUGH YOUR BANK, THEN WE WOULD NEVER CONTACT YOUR BANK. SPECIALISTS WORK SLOWLY.

15.10.2018 05:07

Bank representative's response

Dear Tatyana, hello!
We regret this situation. Based on your feedback, the office conducted an inspection and explanatory conversations. We will take your comments into account in future work. We apologize for any inconvenience caused. In addition, we would like to clarify that within 5 minutes an unnamed instant card, for registration personalized card it takes more time. When your card is ready, we will immediately notify you and invite you to the office.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Dear Tatyana, your complaint has been sent to the bank.

Complaint / Sender Identified / Verified

I have opened a legal entity current account at SKB Bank since 2016 and I don’t understand the picture that emerged at the end of the third quarter. The bank, without notifying me, blocked the Internet bank and the funds in the current account, verbally explaining to me that I did not respond on time to the letter that the bank sent me, and the letter said that I needed to provide a loan agreement within three days, which I did on the third day I sent it, but the operator told me that I had to send it before 12:00 on the third day, but this was not indicated in the letter. To which the bank blocked the Internet bank, without notification. After which I contacted the bank branch where I was served and asked to explain the reason, after which the head of the customer service department of D/O "Malyshevsky", Yekaterinburg, called somewhere and told me that the account needed to be closed without explanation. no reason! I wrote an application to close the account on September 26, 2018, and the funds in the account wrote a statement to which account should be sent, but the funds were never sent! Also without explanation and I don’t understand how to submit reports to the tax office and what to tell my clients, that the bank is behaving this way, playing cat and mouse with me! And one more thing is that the bank closes the account within 7 working days and does not send the money; it doesn’t even let you make statements for the quarter! That is, he illegally uses other people’s money and gets profit into his own pocket at the expense of other people’s money and does not pay any penalties!

09.27.2018 15:18 / Oksana

Bank representative's response

Dear Oksana Yurievna, hello!
First of all, we would like to draw your attention to the fact that, according to the current legislation of the Russian Federation, banks are required to request information and documents from clients confirming the activities of the enterprise, and the client must provide the requested documents to the bank within the prescribed period.
The bank informed you about the results of submitting the requested documents to the bank in response 41283c dated September 26, 2018.
We also want to clarify that, in accordance with Art. 859 of the Civil Code of the Russian Federation, the balance of funds from the account is issued to the client or transferred at his direction to another account no later than 7 days after receiving the client’s written application.
On 10/02/2018, the bank, according to your application, transferred the balance of funds to the details you specified. On 10/02/2018 the account was closed.
You can receive an account statement at any branch of the bank by pre-paying the commission according to the bank's Tariffs.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Dear Oksana Yurievna, your complaint has been sent to the bank.

Complaint / Sender Identified / Verified

Good day to all! I previously worked at SKB Bank in Yekaterinburg, I had a salary card, which I later did not close (I admit, it was my mistake). As a result, a debt arose due to charges for servicing the card. Although I previously worked in other banks and none of them charged for service after dismissal (including Sberbank). I learned that the debt was overdue on my own initiative almost two years later. The bank made no attempts to notify. In two years! The question is why? Why didn't anyone call? Didn't send an SMS? Or a written notification to the address? When even mobile operators even send a notification by mail for 15 rubles in debt. And here's the bank financial institution after all. Maybe because the bank is not interested in wasting time on such small debts? After all, if the overdue debt is large, they will call and notify everyone, even their client’s neighbors, because the bank needs it, the bank is interested! And he doesn’t care how it will affect the client? But as a result, I have problems finding a new job (the security service won’t let me through) and, as I understand it, it will also be difficult to get some kind of loan, given that the delinquency has been dragging on for two years. The hotline can’t even tell you the amount to repay. Disgusting service! Just disgusting!!!

08/22/2018 15:22 / Natalya

Bank representative's response

Dear Natalya, hello!
We would like to clarify that according to the bank’s Tariff Guide, a monthly fee of 150 rubles is charged for servicing your card, and a fee of 90 rubles for the “SMS-informing” service. After your card has ceased to be salary card, the tariff has automatically changed. The list of standard operations that the bank provides on a general basis for all clients, as well as the amount of commissions for services, is determined by the Tariff Guide, which can be found at any SKB Bank office or on the website: www.skbbank.ru
In addition, we inform you that the client receives an SMS message in the following cases:
- cash withdrawals using a card from an ATM or at a cash desk;
- payment by card for purchases and services;
- payment for cell or home phone, utilities, loan repayments and other payments;
- receiving services through an ATM;
- balance request;
- receiving a statement through an ATM;
- conducting transactions via the Internet;
- refusal to perform an operation.
The bank does not provide the SMS notification service about commissions accrued to clients.
We also inform you that the amount of debt under your agreement is 3,073.58 rubles.
To terminate the agreement or refuse services within its framework, you must contact the bank's head office at the address: Ekaterinburg, st. Kuibysheva, 75, with a document proving your identity in accordance with the legislation of the Russian Federation, having previously paid the debt.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Dear Natalya, your complaint has been sent to the bank.

Complaint / Sender Identified / Verified

On August 21, 2018, I received a response to my August 13 complaint about your employee making inappropriate calls to me at work. I note that this response can safely be called a formal unsubscribe. On August 20, 2018, a bank employee called me again and began asking questions in a completely incorrect and offensive manner. As far as I understand, all conversations are recorded on your part and you can verify this. As for the answer to my previous complaint, maybe you and I exist in two parallel realities, but I exist in a reality in which, in addition to my responsibilities, I also have rights enshrined in the constitution Russian Federation. Once again, I would like to draw your attention to the fact that I am fully and fully aware of the fact that I violated the terms of the loan agreement and in no case refuse to pay. I am making deposits and trying to get on track with my payments, and I am fully aware of the consequences I may suffer due to this situation. But the fact that I violated the terms of the loan agreement does not make me a powerless being who must humbly endure the blatant antics of your employees. Once again, I would like to draw your attention to the fact that a bank employee does not have the right to call telephone numbers not specified by me when signing the agreement and find out the cell phone number of my immediate supervisor and use this fact as psychological pressure in a conversation with me. I also ask you to listen to the recordings of my conversations with a bank employee to identify the fact of incorrect and offensive treatment. I am sending a copy of this appeal to all regulatory authorities.

21.08.2018 12:54

Bank representative's response

We inform you that during the re-check carried out on your requests, facts of incorrect communication when phone calls were not confirmed.
In addition, we would like to once again draw your attention to the fact that the bank, in accordance with the terms of the loan agreement, is obliged to notify borrowers by any telephone numbers specified in the application form about upcoming payment deadlines, as well as about the presence of overdue debt in the period from the moment of its occurrence until the moment its repayment. Calls are made at the frequency established by law, using any means of available communication, the use of which is provided for in the loan agreement.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Complaint / Sender Identified / Verified

Good afternoon. Today, August 13, 2018, I received a call from an employee of the overdue debt department. During the conversation, I outlined to the employee the circumstances and timing of my debt repayment. In a rude response, the bank employee informed me that if the debt was not repaid today, calls would be made to my immediate supervisor at work. A phone number I didn't provide. The full names of my mother and deceased father were also given, to whom the bank employee also promised to call and ask them to pay off my debt. After the conversation, this employee called me at work and asked my colleague for the phone number of my manager.

I ask you to consider this complaint and take measures to stop violating the law on non-disclosure of data to third parties. This complaint, as well as a printout of telephone calls, was sent to the Central Bank of Russia.

13.08.2018 14:00

Bank representative's response

Dear Andrey Valerievich, hello!
We would like to draw your attention to the fact that the bank, in accordance with the terms of the loan agreement, is obliged to notify borrowers about upcoming payment terms, as well as about the presence of overdue debt in the period from the moment it arises until the moment it is repaid - at any telephone numbers specified by the client in the application - application form for a loan. We remind you that the method of information exchange between the bank and the borrower is defined in clause 16 individual conditions the loan agreement concluded with you. Calls are made at intervals established by law to the contact numbers specified in your loan agreement
At present, you have not repaid the overdue debt under the loan agreement. We kindly ask you to comply assumed obligations in strict accordance with the terms of the contract, without delay.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Dear Andrey Valerievich, your complaint has been sent to the bank.

Complaint / Sender Identified / Verified

I, Elena Vitalievna, through my friends (to the phone numbers of my acquaintances) receive calls, SMS notifications from various numbers of SKB Bank, asking me - Elena Vitalievna. They call with threats and demands to return the money, while naming my personal data, trying to get information about Konstantin, with threats of joint liability, as well as insults to me as a person. It turned out that the bank knows all my personal data, and this is not only mine contact number , as well as my age, my financial status. I have not entered into loan agreements with SKB Bank, nor with any other, and I am also not a client. On the social network “Contacts” there are mailings about the search for Konstantin Alekseevich, not only for me, but also for my relatives, colleagues, acquaintances, in violation of Art. 23 of the Constitution of the Russian Federation: everyone has the right to privacy, personal and family secrets, protection of their honor and good name. The law provides for criminal liability for: 1. Illegal collection or dissemination of information about the private life of a person, constituting his personal and family secrets, without his consent. 2. The same acts committed by a person using his official position (Article 137 of the Criminal Code of the Russian Federation) In addition, I, Elena Vitalievna, never gave my consent to the processing of my personal personal information by SKB Bank. In accordance with the Federal Law of July 27, 2006 N 152-FZ “On Personal Data,” personal data is any information relating to a directly or indirectly identified or identifiable individual (subject of personal data). The processing of personal data is carried out with the consent of the subject of personal data to the processing of his personal data. At the same time, the processing of personal data is any action (operation) or set of actions (operations) performed using automation tools or without the use of such tools with personal data, including collection, recording, systematization, accumulation, storage, clarification (updating, changing) , extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data. In addition, I also do not know when the bank executed a loan agreement with Konstantin Belov, I learned about this from telephone calls from bank employees, which I also consider a violation of bank secrecy on the part of SKB Bank employees. In accordance with Article 3 of the Federal Law "On Personal Data", personal data is any information relating to a directly or indirectly identified or identifiable individual (subject of personal data), including information constituting bank secrecy. Moreover, according to Article 7 of this law, operators and other persons who have access to personal data are obliged not to disclose to third parties or distribute personal data without the consent of the subject of personal data, unless otherwise provided by federal law. Thus, the transfer of information constituting a bank secret of an individual to third parties (except for the persons mentioned in Art. 26 of the Federal Law "On Banks and banking"who have the right of access to the specified information in the cases and in the manner provided for by this article) is permitted only with the written consent of the individual. This position is also confirmed by judicial practice (Resolution of the Sixth Arbitration Court of Appeal dated February 14, 2013 N 06AP-41/2013 in case No. A73-12065/2012).

In connection with the above, I ask: 1. To protect from the above-mentioned illegal influences on the part of SKB Bank employees, 2. To hold the bank employees accountable under the law for the illegal influence provided, 3. To oblige the bank employees to act within the framework of the law of the Russian Federation.

09.08.2018 17:21

Bank representative's response

Dear Elena Vitalievna, hello!
As the check showed, the phone number you sent was left by the bank client when drawing up the loan agreement as his contact number. Facts of incorrect communication were not confirmed during the inspection.
Your number has been removed from the call database. We apologize for the inconvenience caused.

Sincerely, SKB-bank
[email protected]
Tel. 8-800-1000-600

Response from the editors of the ARB website

Dear Elena Vitalievna, your complaint has been sent to the bank.

Complaint / Sender not identified / Verified

Hello. Requirements were taken from me. loans from SKB-Bank DO "Yuzhny", st. Military-1a, I refinanced them almost 2 months ago. And just yesterday the collectors called my mother and said that I have a debt on my loans in the amount of 12,750.76. I went to the branch to find out and it turned out that they gave me certificates on June 4, for which they also ripped off money from me, and another bank credited the funds on June 13, and during this period of time interest accrued from SKB for the use of their funds!!! But No one bothered to inform me about this!!! Is it possible that if I knew that this could happen, I would not have foreseen how to act correctly. I’ve been paying off a loan from another bank for two months now, I live in peace and I don’t suspect that I’m accruing any interest there; they haven’t even called me or written to me. I paid this interest so as not to spoil my credit history. Moreover, I repaid the loan ahead of schedule and they refused to return the imposed insurance premium, citing the fact that they are only intermediaries, and when they said that we would not give a loan without insurance, who were they!!! I am very unhappy with this attitude and work! !!

I demand that the employees of this subsidiary be fined for their unprofessional attitude to work and negligent attitude towards bank clients, and that they return my money, which I don’t have at all to spare!!!

Currently, most of the population in Russia takes out loans. People who live without loans are less common than those who have loan obligations. SKB Bank can also act as a lender.

Often, these are loans for various needs of the population and the amount of the loan taken varies depending on the desires and needs of the borrower. The main thing for the borrower is to get a loan, and the last thing the borrower thinks about is what methods and means he will repay it later.

After all, it always seems that “now I can give a certain amount from my salary, and then, when the time comes, I’ll think about it”

There are so-called bona fide borrowers who take their loan obligations responsibly.

And there are unscrupulous people who first repaid the loan on time and in the required amount, and then stopped fulfilling their obligations due to various unforeseen circumstances and understand all the consequences of non-payment.

Or those who did not intend to repay the loan, believing that in this way they were punishing SKB Bank or did not consider it at all in principle, because they do not care about the loan they once took and they do not consider themselves responsible to anyone and about the consequences don't think.

So, let's look at several legal ways to avoid paying a loan to SKB Bank.

Repayment of an existing debt under a loan agreement issued by a credit organization SKB-Bank or several loans taken from one or more banks by issuing a new loan from a bank with a loan rate lower than the rate of one or more existing loans.

Free consultation with a lawyer on CREDIT DEBT!

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These conditions are suitable for those borrowers who repay the loan on time and in the required amount according to the schedule, and issuing a new loan will allow the borrower to reduce the debt burden both while maintaining the loan repayment period and by increasing the loan repayment period.

It all depends on the desires and capabilities of the borrower.

This method is very convenient for borrowers and allows you to reduce the debt burden, as well as pay off loans that are unprofitable for the borrower. Recently, in light of credit institutions reducing interest rates on loans, this option is most relevant for borrowers.

Insured event on SKB-Bank loan

Almost all credit organizations, when issuing a loan and concluding a loan agreement, issue an insurance policy to borrowers, and SKB Bank is no exception.

The main insured events for borrowers, as a rule, are:

• loss of employment due to staff reduction or liquidation of the organization,
• loss of health (disability), accident.

When advancing insured event the borrower has the right to apply to insurance company for receiving insurance compensation. At the same time, the borrower provides the insurance company with a set of documents so that the insurance company can make a decision on payment of insurance compensation.

Insurance compensation is paid either to the borrower himself or directly to the credit institution, depending on the beneficiary designated by the borrower under the loan agreement.

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Of course, at first glance, many try to “dismiss” insurance and may even agree to an increased interest rate on a loan, just not to take out an insurance policy (after all, this may reduce the amount of the loan received by the borrower).

But, unfortunately, none of the borrowers think about possible consequences, which may occur regardless of the behavior of the borrower himself. after all, if financial difficulties arise and there is no insurance policy, no one will solve his problems with loan repayment for the borrower.

Thus, it is beneficial for the borrower to take out an insurance policy when issuing a loan from the SKB-Bank organization, and in the event of an insured event, the borrower will not face financial difficulties.

Restructuring of the borrower's debt (deferment of payment)

This is an opportunity to reduce the debt burden on a loan issued by SKB Bank for a certain period of time.

Exist different ways restructuring:

• reducing the loan payment amount by increasing the loan term,
• reducing the loan payment amount by repaying only the interest on the loan and postponing their payment to the last day of the loan agreement,
• deferment (installment plan) of loan repayment until a later term of the loan agreement,
• deferment (installment plan) of repayment of overdue loan debt,
• suspension of the accrual of fines on the loan,
• other.

Restructuring of loan debt is possible only if the borrower encounters financial difficulties when repaying the loan

At the same time, in order for a credit institution to carry out loan restructuring, the borrower needs to prepare full package documents confirming his difficult financial situation, and the borrower must meet certain requirements (conditions) that are established credit institution for possible loan restructuring. The borrower's application for loan restructuring is not enough.

"Credit holidays" SKB-bank

Some credit organizations, including SKB-Bank, provide borrowers with so-called “ credit holidays" The borrower, upon the occurrence of certain circumstances or simply if desired, may not make the next loan payment.

To receive such a service, the borrower must deposit a certain amount into the account of the credit institution before the date of the next payment (as a rule, the amount is insignificant) and not make the next payment on the loan.

At the same time, this loan payment can be made either on the last day of the term of the loan agreement, or the term of the loan agreement can be increased by this particular payment (depending on the lending conditions established by the credit institution).

Bankruptcy of an individual

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If the borrower faces a very difficult financial situation, the latter may initiate bankruptcy proceedings.

Bankruptcy is possible under the following circumstances:

• the borrower's debt is over 500,000 rubles,
• overdue loans for more than 3 months.

When initiating a bankruptcy procedure, a citizen must evaluate all the circumstances and consequences to which this may lead. So:

• the procedure is quite expensive, since it will be necessary to pay for the services of a financial manager, and the debtor will also have to provide a security deposit in a certain account for procedural expenses;
• the property is assessed by the financial manager, and all debts are repaid through the sale of valuables;
• within 3 years, the financial manager has the right to invalidate any transaction involving money carried out by a citizen declared bankrupt;
  – all expenses of the debtor are under the control of the financial manager;
  - other.
  After completion of the bankruptcy procedure, all debts that the borrower had to creditors are considered repaid.

Limitation period for SKB-Bank loan

1. On September 19, 2019, in the process of applying for a consumer loan at SKB-Bank PJSC, I purchased a certificate for comprehensive subscription services from the company.
Drive Assistance LLC. On September 19, 2019, funds in the amount of
70,000 rub. to an account at Drive Assistance LLC as payment for a subscription fee under an agreement concluded with Drive Assistance LLC. I hereby declare that when applying for a loan, a bank employee informed about the need to purchase such a certificate as one of the conditions for issuing a loan. In addition, I was not familiar with the offer for the specified certificate. I was not warned that in reality I was not purchasing individual insurance, but was joining a group insurance contract. In addition, according to the offer, the range of services under the “Financial Protection” program, which implies this connection, does not cover the entire loan term, which is not reflected in the certificate issued to me. I claim that this service was imposed on me when receiving a loan, and therefore I turned to Drive Assistance LLC and directly to the policyholder, LLC
"AlfaStrakhovanie" "Money for Health +" with an application for refusal of comprehensive subscription services, connection to the collective insurance program and return of the insurance premium. In case of refusal, I will be forced to contact the regulatory authorities.
Since the specified certificate was issued in my name by an employee of PJSC SKB-BANK, in the office of the specified bank, using the bank’s information resources and when concluding a loan agreement with the specified bank, I believe that PJSC
"SKB-BANK" is an interested party in these legal relations. Due to this:
I officially announce the initiation of actions to refuse comprehensive subscription services, connect to the collective insurance program and return the insurance premium. I ask PJSC SKB-BANK to assist in making a positive decision on this issue in a pre-trial manner.

1.1. Oksana, in order to return its cost, you must submit a written claim based on the norms of the Civil Code and this must be done urgently.

Lawyer Kiseleva M.V., 75 answers, 46 reviews, on the site from 09/23/2019
1.2. You need to apply for refusal of services not to the bank, but directly to the organization with which you entered into an agreement. If this is an insurance company, then you can refuse insurance within 14 days from the date of conclusion of the contract. If it is another organization, then you must refuse on the basis of Article 32 of the Law on the Protection of Consumer Rights.

2. There is an old loan, the amount of which has long been fixed in court (i.e. the debt is already with the bailiffs).

A representative of Alfa-Bank called me (as he identified himself) and offered a discount on repayment (minus 70% of the loan), saying that the Agreement was potentially being sold to another collection agency and now there is an opportunity to repay it with a 70% discount within a limited time frame (a week).

An employee invited me to a meeting at the office on Altufevskoye Highway 1/7. This building is either Sentinel (SKB) or Alfa Bank. There they explained to me that Alpha swallowed Sentinel back now. Alpha is lit everywhere on the sign, but you can only go up to the office if you meet an office employee below.

I went to the meeting. Representative of the collection department of Alfa-Bank - Nominkhanova Natalya Dzhirgalovna. He speaks correctly and does not force anyone to do anything. The entire conversation was recorded on a voice recorder with my consent. She said that everything was valid, but she could not document it.

Also, the bank employee confirmed that I can drive up to the Alfa-Bank branch and, by calling her in advance, the branch manager will confirm that there is such a discount for me

When asked why they can’t give an official piece of paper, he answers that then all debtors will run to ask for repayment with a 70% discount. This was offered to me because the bank understands that it is impossible to write off my debt.

Question 1 – where’s the catch? Judging by the reviews on the Internet, Alpha has not seen such generosity. There are quite a lot of negative reviews. There are literally only a few positive ones. There are fears that the bank so wants to extract at least 30%, and then the Bank will forget about the discount, citing the fact that there was no agreement on paper or its terms were different (at the discretion of the bank).

Question 2 - if I record and videotape all the promises of Alpha employees, I ask them to say out loud all the discount and contract numbers. Can this be documentary evidence for me? Or, in the best case scenario, will they fire the employees and hush up the matter?

In general, how should one act in this situation if no one wants to give papers?

Lawyer Kalashnikov V.V., 188671 answers, 61686 reviews, on the site since 09/20/2013
2.1. 1. The catch is that no one signs anything. Promises are just words. Without any guarantees. But you can’t attach words to action. An additional agreement MUST be signed (Articles 450, 452 of the Civil Code of the Russian Federation)
2. The video will not confirm anything. The written form must be followed.
How to proceed: Don’t pay anything without paperwork.

Lawyer Sadykov I.F., 49435 answers, 26528 reviews, on the site from 10/11/2017
2.2. 1) The catch may be that the additional agreement will not be signed. agreement (Article 452-453 of the Civil Code of the Russian Federation) on changing the original obligation. You will pay part of the amount, and they will still demand the rest.
2) Words cannot be attached to action. And even if they have already filed a lawsuit, these words will not change the amount of the obligation and will not cancel the court decision that has entered into legal force (Article 13 of the Code of Civil Procedure of the Russian Federation).
Require additional agreements to change the amount of the obligation.

Lawyer Karavaitseva E.A., 57763 answers, 27411 reviews, on the site from 03/01/2012
2.4. A discount is essentially forgiveness of part of the debt. The debt forgiveness agreement must be in writing and signed by both parties.
According to Art. 162 of the Civil Code of the Russian Federation, failure to comply with the simple written form of a transaction deprives the parties of the right in the event of a dispute to refer to witness testimony to confirm the transaction and its terms, but does not deprive them of the right to provide written and other evidence.

Lawyer Cherednichenko V.A., 193263 answers, 73802 reviews, on the site from 05/12/2015
2.5. There is no trick here. You just need to read carefully settlement agreement which you will sign. If everything is done correctly, there will be no deception. And further, in accordance with Article 439 of the Code of Civil Procedure of the Russian Federation, a settlement agreement is the basis for termination of enforcement proceedings.

Lawyer Derevyanko S.Yu., 155781 answers, 56963 reviews, on the site from 08/15/2012
2.6. 1-No one will most likely pay off anything. This is a standard scheme, and the Alfa Bank employee seems to be in the know. Moreover, they will not issue any official paper. I advise you to refrain from this proposal. The catch is that this way you will restore the deadline limitation period(196 Civil Code of the Russian Federation) or they will withhold at least some part from you, and then begin to demand a new one.
2-It is not a fact that the court will later add this evidence (55 Code of Civil Procedure of the Russian Federation). I advise you not to give anything away.

Lawyer Urvantsev V.L., 1783 answers, 1231 reviews, on the site from 10/17/2018
2.7. Hello. Moneylenders, in pursuit of profit and return of funds, are ready for all sorts of schemes that outwardly seem quite justified.
In accordance with Article 153 of the Civil Code of the Russian Federation
Transactions are the actions of citizens and legal entities aimed at establishing, changing or terminating civil rights and responsibilities.
A transaction that can be concluded orally is considered completed in the case when his will to complete the transaction is clear from the person’s behavior, but since the loan agreement was drawn up in writing, any agreements, additions, changes in it require a similar form of agreement.
Due to this:
1. Without written documentation there is no reason to believe that there are any discount offers.
2.Video-audio without a properly executed written agreement will not be evidence.
Good luck to you.

Lawyer Shabanov N.Yu., 20164 answers, 9651 reviews, on the site from 03.23.2017
2.8. The catch is that this is, simply put, an ordinary scam, many banks do this, if they write off part of the loan to you, they must enter into an additional agreement to the loan agreement to change its conditions of the Civil Code of the Russian Federation Article 452. The procedure for changing and terminating the agreement
1. An agreement to amend or terminate a contract is made in the same form as the contract, unless otherwise follows from the law, other legal acts, contract or customs. Those. The terms of your contract will not change and the creditor will still have the right to demand from you full amount debt, especially since you already have enforcement proceedings, or let them refuse their demands by submitting an application to the FSSP, but they won’t do this, don’t sign anything, this is a common trick of bankers.

Lawyer Mingazov Yu.S., 47110 answers, 14033 reviews, on the site since December 24, 2009
2.9. We used a similar scheme, the bank sells bad debts for which it can no longer collect, so it sells for approximately 13% of the debt (as you write), it is more profitable for it than selling to collectors for 3-5%. BUT with You have to be careful with papers. We had a scheme for assigning the right of claim, that is, the bank sold the debt (with all the documents) to an acquaintance of the debtor, that is, the acquaintance became the creditor, well, it is clear that the debtor himself contributed this 13%, there were several such transactions, everything was clean. We paid 15% of the debt amount.

Civil Code of the Russian Federation Article 388. Conditions for assignment of claims
(as amended by Federal Law dated December 21, 2013 N 367-FZ)

1. Assignment of a claim by a creditor (assignor) to another person (assignee) is permitted if it does not contradict the law.
2. Without the consent of the debtor, assignment of a claim under an obligation in which the identity of the creditor is of significant importance for the debtor is not allowed.
3. Agreement between the debtor and the creditor to limit or prohibit the assignment of claims under monetary obligation does not invalidate such a concession and cannot serve as a basis for termination of the contract from which this claim arose, but the creditor (assignor) is not released from liability to the debtor for this violation of the agreement.
(as amended by Federal Law dated 03/08/2015 N 42-FZ)
(see text in the previous edition)
4. The right to receive non-monetary performance may be assigned without the consent of the debtor, if the assignment does not make the fulfillment of his obligation significantly more burdensome for him.
An agreement between the debtor and the assignor may prohibit or limit the assignment of the right to receive non-monetary performance.
If the contract prohibited the assignment of the right to receive non-monetary performance,

3. I am writing to you with a request for legal assistance: against me (62 years old, working pensioner), SKB Bank filed a claim for the recovery of 463,500 rubles as non-payment of a loan (over the entire period I paid about 700 rubles) in addition to the claim and scheduling a court hearing for On August 13, 2019, the court issued a ruling on securing the claim as early as July 23, 2019 and sent performance list before the court decision comes into force bailiffs, to seize cash accounts in banks and other property. Based on the above, I ask you to help me clarify the situation: 1) since I am a working pensioner and according to my calculations judgment will come into force no earlier than September 13, 2019, and until then I will receive wage and pension, it turns out that all my accounts will be frozen and I won’t be able to use a penny of the money? Or will 50% be arrested and withheld according to the law? Or will nothing be withheld until the court comes into force? 2) how can I challenge this claim and what grounds can I cling to in my case? 3) now a question regarding real estate: I had two apartments, which I transferred in advance at the end of 2018 to a close relative (donation agreements), now I don’t own anything, could there be any negative consequences for me in this regard? Thanks in advance.

Lawyer Frolov S.V., 6139 answers, 3327 reviews, on the site since 02/15/2018
3.1. No money will be collected until the court decision and its entry into legal force..., . but you will also be given 50% of all income... That's why they are interim measures... try to appeal the ruling... but the court did not violate anything, as can be seen from the question... as for donations... the bank has the right to appeal these transactions and cancel them... most likely this will happen... one of the apartments will go off the market...

4. I took out a loan from SKB Bank in 2011. While I had a job, I paid it until 2013. When I lost my job, I stopped paying the loan. The bank did not call me or send me any letters. Now, in June 2019, I received a call from the NSV (national collection service) and was told that the bank was demanding repayment of the debt. And if I return 17,500 rubles, then the bank forgives me the rest of the amount. I agreed to deposit this money through the cash desk of SKB Bank. I deposited the money, but the calls from NSV continue and they say that the bank does not see the money. And naturally the bank does not close the agreement. How should I deal with this situation and what should I do?

Lawyer Astsatryan N.V., 41,725 ​​answers, 23,573 reviews, on the site from November 24, 2016
4.1. You can simply ignore them.

Also, keep in mind that today there are many ways in which you can legally get rid of loan obligations or at least make it impossible to collect the debt under the loan agreement. These include termination of a loan agreement, recognition of the transaction as invalid, challenging the terms of the agreement as contrary to the law (Article 168 of the Civil Code of the Russian Federation), recognition of the transaction as enslaving (clause 3 of Article 179 of the Civil Code of the Russian Federation), bankruptcy individuals and the end of enforcement proceedings on the grounds of Art. 46 ZF "On enforcement proceedings" To understand your situation directly, you need to see documents that can be sent electronically.

27. My name is Gulnara. A month ago I received remittance via Western Union at the SKB Bank branch. Today I received a call from this bank and said that a letter had arrived in my name from the Western Union head office. Please write, does the Western Union head office send letters to its clients and why did it come to the bank and not to the address? And what is the content of such letters? It’s just that when I received transfers before, I never received any letters. Isn't this a scam? And can I refuse to receive this letter? The fact is that I live in a small town and getting to this bank branch is problematic for me.

Lawyer Stepanov V.I., 36189 answers, 15922 reviews, on the site from 10/15/2011
27.1. You may not receive it; proper notification is considered only by sending a letter to the registration address.

Sincerely, lawyer – Stepanov Vadim Igorevich.

28. The bank closed the loan early and does not return the insurance. He says that I paid it immediately and it was not included in the credit. I contacted the computer. Alpha insurance with which SKB Bank works. I was told that the insurance is not refundable according to the contract. But I have fear in my contract. There is no such point. They even agree that they are violating Article 958. What to do.

Lawyer Kuzminykh S.V., 34959 answers, 13803 reviews, on the site from 09/24/2013
28.1. Is it possible to demand a portion of the insurance in proportion to the time of its use, does this require a written claim based on the norms of the Civil Code, is the insurance individual or collective?

Lawyer Teterin A.V., 1345 answers, 692 reviews, on the site from November 27, 2016
28.2. Good afternoon.

In some cases, when early repayment loan, it is possible to return part of the insurance for the unused period. But not in all cases. Depends on insurance conditions. You need to look at the documents.

29. I had this situation, 4 years ago I had a loan from SKB Bank due to an employee’s mistake, the amount was 30,000, now they are threatening me but there is no way, how can I pay monthly for 2000 or 3000

Sincerely, financial lawyer – Stepanov Vadim Igorevich.

30. In October 2013, I took out a loan from SKB Bank for five years. Now the finish line is approaching the closing of the loan. Can I get my loan insurance back? I contacted the bank, but they are not very willing to talk about this topic. They answered briefly: “Contact the insurance company!” That's all. What should I really do? And how can I get my insurance refunded? Thank you.

Lawyer Kriukhin N.V., 157614 answers, 69086 reviews, on the site from 07/14/2011
30.2. Hello.
I'm sorry, but you have no chance of getting your insurance back, and only a scammer can offer to return it.
This is the trick of banks - imposing unnecessary insurance.

loan debt from SKB Bank and received the best answer

Answer from Nadezhda Kochergina[guru]
Who, finally, will prohibit the poor from taking predatory loans if they have no brains? . I took it at 100% per annum...

Answer from 2 answers[guru]

Hello! Here is a selection of topics with answers to your question: loan debt from SKB Bank

Answer from RED DIRECTOR[guru]
Judging by your question, you have not yet specifically talked with the bank on such an issue as debt restructuring (if the clerk-boy-girl disagree, this does not mean the bank disagrees). Submit a corresponding written request to the BANK MANAGEMENT, explain the reasons for the delay, attach, if any, copies of documents (dismissal from work, illness, non-payment of wages and other reasons). Banks, as a rule, do not leave such issues without consideration, and therefore can offer you various options - deferment (“payment holidays”), interest reduction, installment plans with a reduction in the payment amount, cancellation of penalties, etc. All “conversations” with the bank should only be in writing, do not accept any oral promises or assurances. And if the bank still becomes stubborn, then you can file a lawsuit using Art. 451 of the Civil Code of the Russian Federation on a significant change in the circumstances of a party to the contract. Sometimes the very fact of going to court will make the bank flinch and make concessions to you (banks really don’t like dealing with the courts). If not, feel free to go to the court hearing. Provide all possible and impossible facts, say whatever you want in your defense. And the courts in most cases (about 98 out of 100) take the side of the “poor borrower” and not the “rich banker”. The court will cancel all penalties, fines and penalties, obliging you to repay only the “body of the loan,” that is, the principal debt and interest on it. Moreover, this will be expressed in hard monetary amount, after which the bank will not dare to credit you an extra penny. So take action. And listen less to any skeptics.

Answer from Anna Anna[guru]
you have nothing to sue about... unfortunately... just try to AGREE....

SKB Bank is a company in Yekaterinburg and offers a wide range of credit products for your clients. However, a credit history for this bank is a weighty argument, and at SKB Bank a borrower will not be able to get a loan with a bad credit history.

Depending on his rating, he can at most qualify for a card with a small limit or a targeted loan for the purchase of a specific product. Therefore, for many potential borrowers and those who took out a loan from the company, information regarding the work of the collection service and the lender’s collectors is important.

Can you count on a loan with a bad CI?

For most creditors, CI is a weighty argument and one of important indicators solvency. At SKB Bank difficult to get a loan with negative credit history . However, if the client has no debt, but there are late payments, the company meets its borrowers halfway.

The absence of CI also remains a significant indicator, since the bank is not able to obtain objective information about the applicant. And a number of companies equate the lack of CI with negative. To remedy the situation, you can take advantage of offers for small loans. Having fulfilled all the conditions, the borrower will establish himself as reliable and will have a chance to take advantage of the loan program.

What is necessary to get a loan with a bad CI from SKB Bank?

If the CI is damaged due to the fault of the client and the possibility of a technical failure is excluded, then after filling out the application, it is worth supplementing it with written explanations regarding the fact of the current rating. The bank will evaluate the applicant's honesty and take into account the arguments when considering his application.

The number of documents required to obtain a loan with bad story at SKB Bank or availability, you should provide:

1. Passport.
2. Certificate of income. It is necessary to take into account that the bank has a specially designed certificate form.
3. Confirmation of work experience (work book).

• If the client claims a larger amount, documents confirming ownership of the collateral property are required.
• If a client contacts a specific bank branch, he must confirm registration of residence in this region.

Bank loyalty

At SKB Bank high level loyalty to its clients, and even provides loans without history. That's why, chances of getting the required amount, there is always. The lender, in this regard, has its own advantages:

• Transparent lending conditions. After applying, the borrower immediately has an idea of ​​the interest rates, terms and amounts of overpayments.
• The rates are much lower on mortgage loans.
• Providing a loan for a long period at small rates - a suitable offer for those who benefit from receiving money for a long time.

SKB can provide a loan without collateral or guarantors, but you must be prepared for high stakes, which cover the lender's risks.

Opinions of SKB borrowers

Those who have debt to the bank face almost the same problems. Among the most common opinions, it is worth highlighting:

• If there is a debt, bank employees call regularly, without complying with the requirements of current legislation, which limits calls to 1 time during 24 hours. Calling times are also provided by law and are from 8.00 to 22.00.
• As a result of the work of the collection service, people face different attitudes. There have been cases of threats and boorish behavior. Visiting debtors is carried out in violation of the requirements, which involves one visit per week. NVS collectors, with whom SKB Bank works, in most cases exceed their authority.

Taking into account all the current nuances in the company’s work, we can draw the following conclusions:

• By loyalty the bank ranks first among potential borrowers compared to its competitors. Despite the risks, the company is ready to provide loans, even to clients with a negative history,
• According to loan terms with a poor CI, it is in the same ranking as its competitors. But it is worth noting that when approving, the bank takes into account a number of points and approaches approval individually.
• Working with debtors, there are a lot of negative reviews, which indicates a low rating of the lender in comparison with other banks.

How to check debt at SKB Bank?

Before submitting an application, you can independently obtain a certificate of your credit rating (download an example). To do this you should:

• Leave a request with organizations that provide such services.
• Order an extract from the BKI on a specialized website.
• Make a request to the Central Control Committee.

If a client encounters problems with payments, it is better not to hide, but to try to notify the lender about this. SKB Bank is loyal and often meets its borrowers halfway, looking for alternative options debt repayment.

When choosing SKB Bank, it is important to carefully study reviews, read the terms of the specific product you want to receive and independently weigh your financial capabilities. Only after carefully analyzing the information should you make an informed decision.

Take a short survey and receive a list of bank credit institutions that you can contact to obtain a statement based on the state of your credit history.