What to do if your bank license revoked
Get Rich / / December 20, 2019
In recent months, we observe how the banks one by one, lose their licenses. Today, expert service "Circuit. Elba"Olya Avvakumova tell you how to choose a bank and what to do if he has still withdraw the license.
Black and white lists of banks - is, as a rule, product marketing structures of these same banks. That is why you should not pay attention to them. Instead, take the time to search for references to the audit or legal proceedings, reducing the financial performance or that the Bank temporarily does not make payments. If you follow the economic news, you probably already remembered in a bank now such problems.
Time noted by signs, or, for example, preventing a friend who works at the bank, save your time, money and frustration: You can easily change the bank without any consequences.
Action List for this intuitive:
- Open a new account in a safe bank. As a rule, only a passport is required for this certificate sole proprietorship, A certificate of registration with the tax and stamp, if any.
- Put the rest of the money to a new settlement account. Do not forget to notify all contractors about the change of details.
- Refer to the old bank with an application for cancellation of the contract and close the bank account of the former.
Anyone but contractors do not have to report the change of a current account. From regulatory bodies Entrepreneurs notice released back in May 2014!
If the bank has withdrawn the license
The fact that the license of the bank withdrew, you will know immediately. Maybe you're lucky and even the bank itself will notify you by SMS.
Here the main thing - to quickly calm down and react correctly.
1. Warn contractors and employees
The sooner you do, the less you have disputes arise. client money simply can not reach the account on time, and you have to understand where they are hung and whether the customer will return.
If you list the salaries of employees at the cards, let them know about possible delays. Note: if the delay in the payment really will have to charge compensation for each day of delay.
2. Seek redress
Money - up to 1.4 million rubles - all individuals, and since last year, and all IP insured. Usually within two weeks after withdrawal of the license, you can contact the insurance agency designated bank with a passport and a statement for their money. They will pay you immediately, together with interest accrued to the date of revocation of the license. On the issue of compensation for the money you need to contact for a month. All the information about the reception of applications you can also see yourself on the website of your bank to website insurance agency, or in the "Bulletin of the Bank of Russia."
Deposits in excess of 1.4 million rubles, will not have to rely on insurance. Voluntarily and in full the amount of money you will pay no one. That there was at least some hope, be sure to draw the creditor's claim. But keep in mind, even in the best case, the amount you receive is already in the last turn. In the worst case - do not get at all: wanting a lot, and money may simply not enough.
3. If you have company - Prepare the creditor's claim
Each bank is assigned a temporary administration with an active license. Once this happens, send her his creditor's claim. An exemplary form of requirements and a list of required documents for the application to have it in the sample on website DIA. Take care of them in advance.
The request to enter the amount of the debt. In addition to the amount on the account balance, you must return the money, which hung on the bank account. This could happen if you sent the payment, the money has been debited from your account, but did not reach the recipient.
Now just have to wait. In the best case - the completion of the liquidation procedure, then all your money back to you. In the worst, but more likely - the bankruptcy procedure: the results of its legal entities almost never return anything.
A few more important points with taxes
If at the time of withdrawal of the license you have time to send a payment to the tax or the RPF, but the money is "stuck" in the bank - do not worry. The tax will be considered paid, but you will have to pay a visit to the inspector. Since your money controlling authorities do not yet see, you just need to provide platozhku, account statement and explain that your bank license revoked.
When calculating the tax USN remember that the tax would have to pay under the general rules. Dangling payments and money lost can not be blamed.