"Consent" (NPF): feedback from customers and employees. OAO NPF "Consent" - how to terminate the contract?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The non-state pension fund "Consent" has been operating in the insurance services market since 1994, and during this time more than 176 thousand people have become its clients. Since 2010, in addition to pension agreements, OAO NPF Soglasie has been providing services for insurance and indexing of future savings under OPS. How did it happen? In 2011, the profitability of NPF "Consent" was the highest in the country - over 33%. In 2015, the company ceased its activities in pension provision and insurance as a result of the cancellation of the license by the Central Bank. Until that time, customer feedback on the activities of the company "Consent" (NPF) was negative due to the overly commercial policy of the management, the main purpose of which was only the sale of insurance products.

Company Information

For 22 years of experience in the market of pension and insurance services, the company JSC NPF "Soglasie" has become widely known among both customers and competitors due to the firm's active policy of entering into newcontracts. The pension savings of depositors were protected by the deposit insurance system, that is, clients had a guarantee of 100% return of the funded part upon retirement.

During the existence of the organization, more than 176 thousand people transferred their savings to NPF "Consent". The address of the company (the head office of Moscow), the official website and additional offices from 2015 to the present do not respond to customer requests and are not relevant. It is worth considering why this happened.

Despite the fact that the license of NPF Soglasie was already revoked last year, as of the end of 2014, 29 people managed to receive payments under the OPS agreement in the amount of 858,61 thousand rubles. Under agreements that provide indexation of additional insurance premiums for non-state security, payments were accrued to 1,168 customers in the amount of more than 3,170 thousand rubles.

Lump-sum payments, taking into account high indexation, represent the fulfillment of obligations to depositors, and within the framework of activity, this is almost a unique case for the company, since for the most part the reviews of contributors are far from flattering about the "fields" of the company "Consent" (NPF).

Participation in rankings of expert agencies

By taking part in the ratings of independent expert services, companies rely on the fact that they can confirm their solvency and the ability to meet their obligations to investors. In addition, a high level indicates a stable financial position and increases loy alty.fund clients and potential policyholders who are more likely to apply to a trusted institution.

In 2014, the influential ranking firm Expert RA awarded NPF Soglasie a high reliability rating of A. The following year, this indicator was confirmed until the fund's license to provide pension services was revoked. The basis for such a decision of the Central Bank, as a rule, is a gross violation by the fund of the terms of the pension insurance contract - insufficient financial coverage that provides future payments to depositors who entrusted the indexation of the company's pension savings, complaints from customers, untimely transmission of information about the company's activities.

The fund's policy, which provides for an active increase in clients, was directly aimed at attracting new investors by any means, due to which most of the reviews about NPF Soglasie OJSC are negative.

Personal account of NPF "Consent"

Unlike other funds that provide information to contributors only when they personally visit a branch or by e-mail, the non-state fund "Consent" has a remote access channel to the state of the client's pension savings - the "Pension terminal" of the contributor.

In order to find out the information of interest about pension savings, the client needs to register on the NPF website by filling in the necessary data about himself (full name, passport, SNILS, etc.). After registration, the client can receive onlineaccount information. In addition, the user can connect SMS-mailing, which will notify about each new receipt of funds and account changes. The depositors who, when transferring the funded part, received a card to enter the "Pension Terminal" from the fund, are satisfied with the service. This is a rare case when customer feedback on the activities of OAO NPF Soglasie was advisory in nature.

Opinion from within. Work in NPF "Consent"

Working in any large company that is actively selling products to the public is primarily aimed at making a profit and increasing the number of new customers. Non-state pension funds are no exception.

On the Internet, in addition to the complaints of deceived investors, you can also find comments by former employees of the NPF "Consent". Feedback from employees about the activities of the company coincides with the opinion of customers - a tough policy of attraction, an increase in the number of sales of insurance policies of OPS and NGOs by any means (including through deception), unconditional fulfillment of planned targets. According to the comments of managers and insurers, the company's management was indifferent to everything except the design of new products. Neither he alth problems nor family circumstances were extenuating circumstances in case of non-fulfillment of sales for NPF "Consent".

Reviews of agents are unanimous: the work in the company was intense, requiring stress resistance, arrogance, the ability to promote the service even to those customers who were not interested in its design and directly stated this. In addition to heavyinternal atmosphere - constant delays in payments and bonuses for concluded contracts, lack of guarantees and support from management, moral dissatisfaction with one's activities.

Forbidden reception, or How NPF "Consent" expanded the client flow

From 2010 (from the beginning of active sales of new products and the duties of agents to fulfill high plans for promoting insurance policies) and to the present, comments of contributors appear on the Internet, who were fraudulently forced by managers to transfer pension contributions for OPS and NGO to “Consent (NPF). Reviews of deceived people about the promised harmony between the company and its customers repeat each other with amazing similarity and are extremely negative.

Since it was not possible to attract the required number of clients who were ready to transfer to an unfamiliar company with a non-transparent policy in an honest way, a special plan was developed by the most active agents, which was a huge commercial success for the company, but was a direct fraud for new participants programs. The essence of the idea was as follows: insurance agents under the guise of employees of the Pension Fund made door-to-door rounds, forcing the owners to issue a special card to enter the “Personal Account” of the Pension Fund of the Russian Federation. According to the legend, this “pass” for the site should have been obtained by all clients at the PFR department, and for a long time, but for some reason this was not implemented. After that, the client is provided with a package of documents for signature, allegedly confirming the issuance of this document.cards, and the fund's employees tried to slip the contracts at the most inopportune or inconvenient moment for the depositor, so that he would not have the opportunity to study it. Having received the desired signature, the agents sought to escape as soon as possible.

As a result - a copy of the agreement (and even then it was not given to all clients) with the fund, an outdated employee phone number, a feeling of deceit and disappointment and negative statements about the activities of the Consent company (reviews on forums and websites about pensions citizens of Russia).

Another legend is false employment

In addition to the stories of deceived depositors about how they slipped contracts to transfer to the NPF right in their apartment, the Internet contains a huge number of comments on the topic of an unsuccessful job placement, when, when accepting a package of documents, they demanded to transfer to the NPF "Consent". Customer reviews are unanimous: a warm welcome, prompt preparation of documents supposedly confirming employment, the promised "mountains of gold". And instead of all this - an application for transfer under the OPS program to a non-state pension fund.

In other words, this is a new fraud scheme, which is based on the desire of potential employees to choose the option that suits them (since only favorable employment conditions are necessarily indicated in the advertisement). As a rule, clients' doubts about the correctness of their act arise almost immediately after leaving the office, when the notorious contract with NPF "Consent" is in their hands. Reviews are soare similar to each other, that there is no doubt that this was not just an isolated case, but a developed strategy for attracting new investors.

How did the agents receive copies of documents from the client to transfer to NPF "Consent"?

Considering the activities of NPF "Consent", the reviews of people served in this non-state fund, you can find that everything indicates that when concluding contracts with the company, agents took photographs of documents on their mobile phones in order to conclude contracts as soon as possible contract with a new client. That is, the depositor had only a few minutes to realize what was happening, and if in this short period he did not have time to figure out what he was signing, the funded part of future contributions was transferred promptly to the NPF office, and after confirmation by the client (who called the SMS code to the operator, also not particularly understanding what was happening) finally transferred to a non-state pension management company.

How is the transition from the FIU to the non-state company "Consent" carried out?

After signing the documents confirming the transfer under the OPS agreement to the NPF, many depositors were worried about the question of how long and how the final transfer to another fund is carried out. For all private organizations (management companies, non-state funds, including "Consent" (NPF), reviews of which indicate a lack of customer awareness of the procedure for transferring the funded part of the pension), the same rule and method of transferring the pension apply: after sendingagreements signed by the client, and copies of his documents within a few days, the operator must call the participant in the OPS program and request confirmation of the desire to change the fund. As confirmation, it will be necessary to once again indicate the data of the documents (SNILS and passports) and a special code that comes in the form of an SMS message after the manager enters information about the new client.

Without personal confirmation or in case of refusal to provide the necessary information, the funded part of the employee's pension will remain in the previous fund. However, information is published on the Internet about unprecedented cases of switching to another NPF without mandatory notification, which (if the client disagrees) is a violation on the part of the beneficiary company and can be considered as fraudulent actions. The transition in this way can be carried out only in case of compromise of the client's data and fraud of insurance agents, indicating as the phone number to which the notification should be received, their SIM card or any other available number (obviously not belonging to the depositor himself).

Non-state fund "Consent": termination of the contract

Clients who were fraudulently forced by insurance agents to transfer their pension savings from one fund to another, after realizing what happened, they are immediately interested in questions about how to exit NPF Soglasie, how to terminate the agreement on the transition to NPF.

Before panicking and spewing negativity at the call center employees, the contributor mustmake sure in which pension fund his savings are now. To do this, you need to call the PFR free hotline and dictate the data of the documents (passport and SNILS). As a rule, a transfer to an NPF can only be made after confirmation by the program participant himself, who must provide the code from the SMS message and the relevant information (except for the cases of fraud by NPF employees mentioned above). If no notification was received on the client’s phone, or if he refused to transfer when he called from a specialist, then the accumulative part of future pension contributions will remain in the previous fund.

If the client nevertheless managed to confirm the transfer, then his deductions will be transferred to the management company from the 1st quarter of the next year, and before the end of the time period they will be indexed taking into account the profitability of the operating company. Accordingly, after confirmation, in case of unwillingness to transfer to a new fund, you need to contact the PFR department to transfer your savings back by writing a corresponding application. However, it should be borne in mind that at the beginning of the 1st quarter of the next year, the application that was received first will be accepted. Accordingly, there is a risk of switching to another company if the application is sent out of time. In addition, according to the legislation, citizens of the Russian Federation have the right to change the pension fund no more than once a year.

So, you want to break off all relations with NPF "Consent"? How to terminate the contract, the following will tellinformation: you can make a return of the funded part (subject to a recent term of conclusion) by contacting the official website of the company. However, due to the revocation of the license, the fund's web page is not updated, and accordingly, this method of transition is not relevant today.

NPF "Consent": how a good company "fell apart"

Wishing to get a good pension increase, the working population of the country, which is actively interested in the state of their account in the Pension Fund, has been trying since 2006 to increase future state payments. The transition to the NPF for many clients is the only way to receive decent benefits and not limit themselves in financial expenses in old age.

NPF "Consent" at the initial stages of its activity, the main development priority was customer satisfaction with the quality of service and a guarantee of high profitability. And indeed, not a single pension fund in the country could boast of such indexation (over 30% per annum). However, as a result, the desire to receive more than to give overpowered the “correct” paths of development and led to the fact that contracts for the transfer of pensions began to be concluded in huge numbers. The company's profit grew, the number of participants increased exponentially, but few of them made the transition to the NPF of their own free will.

Negativity, frustration, and outright disagreement with the agents' deceitful practices have led to an ever-increasing customer dissatisfaction index, and as a result, more and more confirming information appeared on the sites. Reviews of deceived clients continue to appear on the Web at the present time, as the fund's activities have become widespread. Who is to blame for this situation?

Firstly, insurance agents were obliged to conclude contracts in huge numbers, regardless of the reluctance of customers, by management, which, in their opinion, set ambitious goals, motivating employees with bonuses and additional bonuses. But in practice, the opposite turned out - the agents were deceived by their own firm, which repeatedly allowed delays in payroll and unreasonable denials of payments.

Secondly, the huge competition in the pension services market often leads to the fact that non-state funds are forced to work on the principle of “survival of the fittest”, therefore, in order to stay afloat, they strive to overtake their rivals by concluding corporate pension programs for entire organizations or offering fabulous conditions (extreme returns, additional contributions from the firm itself, employment).

The working population, who is not indifferent to the fate of their future social contributions, already needs to take care of which company the pension will be in. And when choosing a fund, special attention should be paid to the experience of the company, the reliability rating, customer reviews and their total number. It is not necessary to be a "silent person", afraid of being left without a pension in the future - the state guarantees the safety of contributions through the insurance system, and the level of profitability of the Pension Fund is much lower than that of the NPF.

Howeverdo not fall for the tricks of scammers, which ultimately became the agents of NPF "Consent", and sign documents in a hurry, without studying or in case of doubt about the honesty of the manager. The loss of accrued interest and going through the authorities is not the most pleasant, and submitting an application yourself, having studied all aspects and features of the activities of a non-state fund, will not be difficult and will not take much time.