Bank "Moscow Lights": reviews. Reliability of the bank "Lights of Moscow"

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

Commercial bank "Ogni Moskvy" began its activities in the Russian Federation in 1993, when it received a license to carry out banking operations, and seven years later - to attract deposits from individuals. The high level of professionalism is evidenced by membership in SWIFT, the Association of Russian Banks and ARBK. For a long time, the financial institution provided a wide range of services to legal entities and individuals. But in February of this year, he started having problems.

First information about problems

In April of this year, it was announced that the acceptance of deposits in "Ogni Moskvy" was suspended. The bank attributed the problem to technical difficulties. It was announced that a new deposit program is being developed, so the acceptance of deposits is temporarily suspended. Also, the credit institution did not carry out transactions between legal entities and individuals. Despite the official statement, even then there were rumors that the problems were related to the ban of the Central Bank.

In February 2014, a scheduled inspection of the Central Bank was carried out, as a result of which restrictions were introduced. 12 million rubles - the maximum allowablethe total amount of attracted deposits in the bank "Moscow Lights". The rating of the credit institution up to this point was rather low. The bank was in the second hundred (172nd place) in terms of assets. For the first quarter of 2013, he received 142 million profits, and for the same period of the current year - 57 million losses. As a result, two branches were closed - in Dubna and Podolsk - due to unprofitability. After this announcement, the reliability of the Ogni Moskvy Bank in the eyes of many customers has declined sharply.

Revocation of license

On May 16, 2014, the Bank of Russia announced the revocation of licenses from two capital credit institutions. One of them is the bank "Lights of Moscow". The license was revoked due to repeated non-compliance with rules and regulations. At the same time, it was announced that deposits would be paid no later than May 27. This decision was made by the Insurance Deposits Agency (DIA). For the participants of the said system, the revocation of a license is an insured event. Under the agreement, the depositor has the right to 100% refund of the deposit, but the total amount of compensation should not exceed seven hundred thousand rubles. Former clients of the credit institution began to actively take an interest in the registry for receiving insurance payments.

Problems with DIA when returning deposits

Not all former clients of the bank saw themselves on the lists for compensation payments. Many stated that they were denied payment due to the fact that their names were not in the bank register of deposits. As it turned out later, transactions were carried out withoutnotifications to customers about account closures. Responsible for these frauds is the Ogni Moskvy bank. Customer reviews on the forums confirm this. Depositors have extracts in their hands, which prove that they did not consent to such operations.

There must always be a way out

Despite the unilateral termination of contracts, the bank accrued interest on deposits, so part of the funds can be withdrawn. The rest will have to wait for the decision of the DIA. The agency said that they are actively working on resolving this issue, and there should be no problems with compensation. Insurance claims can be submitted within two years. This is the average time for banks to liquidate.

For those contributors who did not initially find themselves in the register of compensation payments, lawyers recommend following the following procedure. To get started, write an application to the DIA for inclusion in the register of insurance payments. Next, you need to write a statement to the police about the situation and file a lawsuit. If within 30 calendar days the DIA does not give an answer, then a second claim should be filed - already against the agency. This procedure should not be neglected. This may be the only way to return the funds invested in the Ogni Moskvy bank. Feedback from former depositors of Master Bank, whose license was revoked back in December 2013, only confirms this. Many of the clients still cannot get a response from the DIA.

Bank "Moscow Lights":customer feedback on the refund process

Compensation payment can be received through the branch of Sberbank. The financial institution returns the funds strictly according to the DIA register. The bank is also an intermediary between the client and the DIA if your data is not in the register. Directly at the branch of the organization, you can write an application and provide all the necessary documents for inclusion in the register.

After checking the "Lights of Moscow" a number of transactions were discovered that were not displayed in the balance sheet and are absent in the banking system. This scheme is very similar to the situation with Mosoblbank and Master Bank. The first, after signing contracts with the client and depositing money into the account by the depositor, transferred funds to the accounts of related companies at night of the same day. If clients learned about such operations, it was only by accident. The second bank had a separate group of VIP depositors, whose funds did not go through a common cash desk.

What to do for clients with a deposit amount of more than 700 thousand rubles

Requirements of clients who have made deposits in the amount of more than 700 thousand rubles to the Ogni Moskvy bank must be satisfied first of all. After the license is revoked, the Bank of Russia appoints an interim administration that will manage the credit institution until the court decision on the commencement of the liquidation procedure.

To present their claims, creditors (former bank depositors) must write a written application, indicate in it the amount and details for transferring funds. To the statementcopies or originals of supporting documents must be attached. These could be:

• agreement with the bank;
• completed court decision;
• documents that confirm transactions to an account with a credit institution;
• Account statement indicating the balance, preferably on the date of license revocation;
• other supporting documents.

Terms of the refund procedure

The Provisional Administration, within thirty days of receipt of the application, must notify the applicant of the inclusion of his requirements in the register (in whole or in part) or of refusal. The latter may be closed not earlier than 60 days after the publication of the announcement of the liquidation of the credit institution in the Vesti Bank of Russia newspaper. The exact closing date of the registry will be indicated in the announcement itself.

The procedure for meeting customer requirements is as follows. First of all, individuals who have entered into bank deposit agreements are served, and obligations arising as a result of harm to life or he alth are satisfied. Further - the requirements of the Bank of Russia, obligations to pay severance pay, according to the employment contract. Each subsequent group of requirements is satisfied after the full fulfillment of obligations under the previous one.

CV

Earlier it was reported that the DIA could not find confirmation that more than two thousand customers had made deposits totaling one billion rubles inBank "Lights of Moscow" Feedback from customers who were depositors of banks, whose license was also revoked, confirms that the procedure for returning funds is quite long. First you need to collect all the documents confirming the fact of investing funds. With these papers, you need to contact Sberbank to receive an insurance payment. If your name was not found in the DIA register, then you can write an application to the association directly through Sberbank and then wait for their decision.