What is the name of ji money bank now. Reviews of a modern commercial bank

Credit card. Naturally, the interest in the bank is insane, but the money was urgently needed, and, of course, you have to pay high interest for the speed and ease of issuing. I will not deny the usefulness and necessity of such loan products, there really is a demand for them, and demand creates supply ... And although I myself would never take such a loan, simply because I can take a much cheaper loan, and I just don’t like to be indebted to someone ... And although when issuing a loan, the percentage could not really be voiced, but only powdered the brain, the conversation here will not be about the fact that it is inhumane to issue expensive loans. And about the quality of service and attitude towards customers in the wonderful Ge Money Bank.
So, in the bank everything is set in such a way that:
1. Any way to drag the client. Well, I have no complaints on this point.
2. To do everything possible for the client to use the loan, to maximize his debt on the loan, even if he does not need borrowed money. And even more so if the client repaid the loan and wants to terminate all relations with the bank.
3. Mislead the client in every possible way, literally mock with conflicting information from different mouths, thereby creating conditions that make the process of early repayment of the loan as difficult as possible, as well as stimulating reuse of the loan, even if the client does not have such a need.
So, in order not to be unfounded, I give the story of the relationship with Ge Money. The dates may differ from the real ones, although I tried to keep the chronology and restore all the events in my memory ...

A long time ago... Petersburg received a credit card. The stated interest rate is about 40% per annum. In the process of issuing a loan, it is not voiced, because the salesperson cannot justify in a human way why the rate is high. Although the wife already understood that the interest would be high, she was ready to pay interest, given the speed of issuing money.

About a year ago... The bank unilaterally increases the interest on the credit card. The bank considers it unnecessary to notify customers of an increase in the interest rate to 56%.

Early April 2010 G. The wife brings to the bank branch on Sennaya (in St. Petersburg), along with the next payment, documents confirming the change of surname in connection with marriage. To which the girl in the bank says that you can not change anything, since this does not affect anything. As it turned out later, it does not only affect the ability to get into debt to the bank, any other operations are not available.

May 03, 2010 My wife asks me to pay another installment, since she herself cannot do this in view of the recent appearance of a child with us. I delve into the situation and understand that we don’t need such football (at that time I was only thinking about overpayments on interest) - after which I decide to pay off the entire loan in full and terminate all relations with the bank. The wife calls the bank in order to find out everything that is required for this, including explaining the situation that it is not her, but her husband who will come. The operator states that she cannot tell the final amount of interest over the phone, but the bank will inform her husband of this information.

May 04, 2010 I come to the bank branch on Prospekt Mira (Moscow) to pay off the entire loan (although I understand that in order to terminate the contract, I still have to drag my wife there). After standing in line for about 50 minutes, instead of information about the percentage, I get the surprised eyes of the girl and a request to show a notarized power of attorney, without which no one will give me such information. However, calling on the phone with such a question is also useless. They offer me to stand in another line at the cashier (fortunately, it only lasted 10 minutes), and put some money in reserve, in the end I threw about 1,500 rubles on top and left not so dissatisfied yet (well, it seems that the girl at the call center made a mistake, he himself understood what it was disclosure of bank secrecy...)...
Quite by chance, I recognize an awesome thing at the cash desk: since I am depositing money blindly with a decent margin - in order to return the difference - it will not be enough for me to withdraw this difference at an ATM (the first thing that comes to mind for a sane person) - I have to stomp with a passport to the cashier. And if you withdraw from an ATM, then you will get into a loan again, and your previously overpaid money will remain lying!!! Why and how - I still didn’t understand the confused explanations of the cashier, who made herself very smart, and with her whole appearance made it clear that I didn’t understand anything about it, although I didn’t seem to be completely stupid, and I have a diploma of higher education with specialization "Banking" and, it seems, the top five in banking.

May 05, 2010 We come to the bank with my wife. We get hit in the face again: in order to change the client's surname, you need the original marriage certificate (which another employee of this wonderful bank did not want to take in April!). In the meantime, the old name is listed in the bank - any operations, except for withdrawing money to increase immersion in credit relations with the bank, are not available. I start to make a fuss and demand the head of the department. Half an hour after lunch, a girl-receiver appears (the chief boss rests on Saturdays). Which sends us anywhere, referring to the mythical rules that no one has ever seen (well, of course, they are in the bank). Stamps in passports, a facsimile copy of this certificate, of course, they fit! Well, why do good to customers, when the longer we can’t terminate the contract, the more kopecks we get for service ... By the way, forging a stamp in a passport is the same article of the Criminal Code as forging the certificate itself, what to do, if you get confused by the question, in the modern world it’s elementary. So what for then torturing normal clients?! After all, scammers can't be stopped anyway!
No persuasion or threats help. When asked to enter into a position (a child is 2 weeks old at home, and it is extremely difficult to leave him to his wife), he replies that a notarized power of attorney must be made. From a legal point of view, of course - an iron answer! I ask who is in charge in general (not only in the department) - give his contacts. She replies that they don't have anyone. That is, departments of the type work on their own, there is no centralized control?! Either lying, or a complete mess ...
At the same time, I find out why they change interest rates without notifying customers. I get this answer: "What do you want, the bank cannot warn all its customers! Letters of the type were sent, but they might not reach!". That is, you can send SMS about the next payment, but about an increase of 15% per annum in the interest rate - it's a pity for the bank to spend 2 kopecks on SMS !!! As a result, the unsuspecting client uses the loan, and the monthly payments grow exponentially.

May 06, 2010 We come again, this time with a marriage certificate. In order not to tear off anyone's head (and anger is already boiling over the third trip), I decide to stay in the car for the time being. The wife comes out, says - everything was closed, the card was destroyed, 590 rubles of overpayment were returned through the cash desk. I look at the documents - they only gave an application for termination of the contract, where there is no information that the bank confirms that there are no debts, including interest. This was confirmed to Zhenya only, again, in words (which it is not possible to trust, since each employee in this bank tells all things in his own way), that in 48 days everything will be closed. But I’m wondering if some paper will come there again, that we still have to come and pay interest ?!

Summary. It is possible to take expensive loans if there is a rational grain in this, depending on the situation. But I would not recommend contacting Ge Money Bank if you do not want to make yourself hemorrhoids.

Today I will tell you about the experience of communicating with CJSC "JI Money Bank".

Today, GI Money Bank formally no longer exists, and I am sincerely glad about this. Although, I'm afraid, the methods of work have not changed much.

This bank has changed its name several times. So, since 2001 it was called "DeltaBank", and since the middle of 2006 - "JI Money Bank", because. at that time it was controlled by the notorious General Electric Corporation (in principle, this can be seen even from the bank's logo). In February 2014, this credit institution came under the control of OJSC Investment Commercial Bank Sovcombank (usually known simply as Sovcombank) and was later renamed CJSC Modern Commercial Bank. Currently, the process of transferring branches of the Modern Commercial Bank under the Sovcombank brand is underway, and a complete merger is planned. I have never come across Sovcombank, but I sincerely hope that it will positively influence the former GI Money.

And now, actually, the story itself.
Around 2009, I suddenly received a letter from G.I. Money Bank addressed to my wife (married in 2008) demanding payment of credit card debt. Since my wife never talked about the existence of such a card, and by agreement with her, I was in charge of all family finances, I was very surprised and began to find out what it was.

It turned out that even before our wedding, my wife had a credit card, then still "DeltaBank". At some point, the debt on it was repaid and the wife tried to close the card.
3 trips to the bank branch did not help. Moreover, the wife went with her friends, then with her mother, and therefore there were witnesses (albeit interested) who could confirm what was happening.

And there was a visit to the bank office according to the same scenario: the wife came, sat in line, got an appointment with an employee and declared her desire to apply for closing the card. And all 3 times she was refused under various far-fetched pretexts. For example, “our system hangs and we cannot accept the application”, or “the last repayment will be made in the system within 7 days, then come back.” In general, in the end, the wife got furious, wrote in front of the bank employee on a blank A4 sheet an application to close the card in free form and simply left it on the counter in front of the employee. After that, the wife did not communicate with the bank, and the bank itself did not show itself in any way.

The card expired, the bank silently re-issued it, sent it to a certain branch and it lay there, and then, as far as I could find out, it was destroyed due to lack of demand. The bank did not consider it necessary to notify my then-future wife about all this. At the same time, the bank wrote off the amount for the annual service, which brought the card balance "in the red", waited for the delay in its payment and sent the very letter from which the story began.

My wife asked me to call and sort it out. I really disliked dealing with such organizations. The call center employee refused to communicate with me on this topic and, in principle, was absolutely right, because. I did not appear in the agreement drawn up between my wife and the bank. However, the refusal was not expressed in a civilized way, but in an extremely boorish, if not to say rough manner. The wife, of course, also talked to the call center, but the communication was reduced to accusing her of refusing to fulfill her obligations.

We wrote an application to the bank through the form on the website and waited for a response. At this time, the wife began to be pestered by phone calls with direct threats if she did not pay the debt (about 1,500 rubles, if memory serves). It would seem that the amount is not large, but there was already a question of principle.

Oddly enough, the answer of the bank eventually came. A lot was written, but it all came down to the meaning of “you are a fool, and we are all in white, so pay or we will sue.”

Here I was already furious (my wife had long been trying to go to the department and yell at the employees, but I tried to dissuade her, because it didn’t work). On behalf of my wife, I wrote a complaint to the Moscow Main Territorial Administration (MGTU) of the Central Bank through the form on their website. In the complaint, I described the situation in detail, listed, according to my wife, the dates of arrival at the office with attempts to write an application for closing the card, described, from her own words, the place in the office where the employees who refused to accept the application were sitting. Well, I didn’t forget to describe the answer “JI Money”.

While we were waiting for an answer, my wife continued to call and run into, especially one employee who tried to either threaten or appeal to conscience (“how can you deceive the bank ???”). And then suddenly a miracle happened. My wife called me at work and told me that the same employee had just called her and in an unctuous voice almost begged her not to complain anywhere else, because. GI Money "on its own initiative, once again studied the complaint and decided to satisfy it." We were very surprised, but after a few days everything became clear. We received a response from the Bank of Russia, in which it was said that our complaint had been submitted to GI Money and the Central Bank was waiting for a response from the bank. From my experience at Russian Standard, I know that when such a letter with a question comes from the Central Bank, everyone in the bank starts to move very actively and issues that have not been resolved for months are resolved.

Literally in 2-3 days we received a new response from GI Money Bank. In it, the bank tried to save face, but most importantly, it satisfied our complaint. It was written in the letter (I am retelling the general meaning, not verbatim) that, having considered again the complaint of my wife, the bank considers that she did not fulfill the terms of the contract, because. did not close the card correctly. But since the bank is socially oriented and generally white and fluffy, but at the same time, because the bank does not have a wife’s signature on receiving a re-issued card, which has also been destroyed by the bank by that moment, GI Money decided to pay off the accumulated debt for non-payment from its own funds annual card maintenance and close the account.

This is where the story ended. A lot of nerves were spent, but the main thing is that we managed to achieve a result. Later, while studying the reviews for this bank on the banki.ru portal, I found out that our situation is almost typical for GI Money and several dozens of similar situations have been described. Bank employees, under various pretexts, in every possible way refused to accept an application for closing a credit card, and then the bank wrote off any service fee and began to accrue interest on the debt.

February 2014 took out a loan from GE Moneybank No. 1050755574 (at a branch on Baltiyskaya Street in Moscow). The loan was repaid remotely, by automatically debiting funds on the required loan payment date from my account in another bank, because I love remote control.

In the summer of 2014, I decided to gradually repay the loan ahead of schedule, for which I had to personally come to the bank and write an application (I don’t like personal visits to banks, because it’s a pity for time, I prefer to manage remotely). He successfully made several early repayments, each time visiting the bank and filling out the relevant documents, however, in September 2014, when he once again came to the bank’s office to deposit a large amount of money and fully repay the loan, there was some kind of overlap and the loan was not written off to this day.

I found out about the problem only a month later, in mid-October, when I received an SMS notification that supposedly I had another payment debited on the loan payment date, although I thought that the loan had already been closed.

Having extensive experience working with banks, I knew for sure that after closing any loans, you need to come to the bank and receive supporting documents on closing (payment schedule or statement, etc.), but because In the past I had no problems with banks (but my friends had problems), then I, being a very busy person, constantly put off going to the bank to receive supporting documents for closing the loan.

In October 2014, as soon as I received an SMS notification about the next payment being debited, I contacted the bank's call center with a claim about why my loan was not closed in September 2014. Unfortunately, my issue was considered for about 3 weeks and as a result, its consideration was suspended, in another SMS I was asked to bring to the bank branch where the incident occurred, a written statement about the incident and a statement about the full early closure of the loan. Most likely, I still had the documents, but I had to look for them, they can be both in the office, in the car, at home or in the country.

After receiving an SMS about the suspension of my issue, I turned to the former office of GE money bank (now Sovcombank) on Baltiyskaya Street and saw an announcement there that in case of problems with the quality of service, you can contact the higher management, who are personally ready to take part in resolving the issue.

The next day I sent my written application to the addresses indicated in the announcement I saw of the management of Sovcombank, and three days later my issue was resolved with a positive outcome for me.

Moreover, I also noticed that since October 2014. Sovcombank has changed its policy on early repayment of loans on the payment date, and now, if I want to repay the loan ahead of schedule on the next payment date, then there is no need to come to the bank and write an application for early repayment of the loan, it is enough to transfer / deposit the desired amount of money into the account , and it will be completely written off as an early repayment of the loan on the payment day - this is very convenient, although it is a pity that such an opportunity is available only on the date of the next payment, and not on any day!

From wishes:
1) I would like to advise the bank to realize the possibility of early repayment of the loan not only on the day of payment, but also on any other day when customers deposit funds to a special account to repay the loan, it would be even more convenient for customers.
2) It would be nice if Sovcombank would implement the ability to automatically send a new payment schedule after partial early repayment of the loan to the client’s e-mail, so that clients do not waste their time or the time of bank employees to come to the bank and receive a new schedule payments. (other banks provide this service, in particular, this service is provided to me for one of the mortgage loans, but at the same time I still have to go to the bank to apply for early repayment).

1. In 2009, she took out a loan from Gia Money Bank, after a while she lost her job and had to restructure for 5 years. I made regular payments for 4 years, but then the bank disappeared. For 5 years there were no calls, no notifications. In July 2019, they called from the collections department of Sovcombank and informed me that I had missed a payment. 5 years? ! The employee raised his voice, and when I said that I would only communicate with them through the court, he said that there were other methods of influence. Tell me, please, how to competently negotiate with them, and is it worth writing a statement to the police? Thank you.

Law firm Helios LLC, 12588 responses, 7097 reviews, online since 03/01/2019
1.1. Hello! In this case, the police will not decide anything. Let the bank go to court, where you declare that the limitation period has been missed.

Lawyer Bulankina S. N., 69552 responses, 25122 reviews, online since 12/28/2015
1.2. So far there are no grounds for statements to the police.
There will be threats - record conversations.
As for the time limit, the general rule is three years. Art. 196 GK.

2. I took a loan from CJSC GI Money Bank in November 2013. Throughout January-December 2014, the bank underwent transformations and mergers with Sovcombank (CJSC, LLC IKB, OJSC, PJSC - three different TINs). Under the assignment agreement, I was transferred to Sovcombank in May 2014. I was fired in June 2014. I began to decide on changing the terms of the loan. Contracts during 2014, 2015, 2016, 2017, 2018. Refused. In November 2018, the court issued a court order. They canceled my request. District in April. The court made a decision to pay my debt to the bank - 403 thousand rubles, canceled the penalty of 80 thousand rubles. To pay me 330 thousand rubles, incl. state duty to the bank 7 thousand rubles. In the process of correspondence with the bank, it turned out. That the bank changed my credit number twice. Agreement (referring that the change of the agreement number in the bank's computer does not matter to me), I changed it in the attachment to my loan. The contract did not provide a clause on fines for violations on my part in payment, the bank did not provide the number of the loan account on my application. I paid off the debt, the bank provided me with a certificate of no debt on a different credit number. An agreement that supposedly doesn't matter to me. She asked me to indicate in the certificate information about the closure of my account (indicating its number), the absence of debt and the termination of the contract with me. The bank does not give such a certificate, indicates a different contract number. What can I do in this case? It turns out that the bank changed my contract number and the clause on fines, and the court turned a blind eye to this in the appeal.

2.1. File a cassation and recognize the contract as invalid. When did you have an appeal? Restore the deadline due to new circumstances in the case.

3. I took a credit card in 2008.
Then in the same year I went to jail
3 months after I took out a loan.
Bank CJSC GII MONEY BANK.
In the same year, this bank sent to exist and transferred my debt to the collectors of EOS LLC, they sued me more than once.
For the position
But I served my sentence. Last trial was 2016
But the court decided in 2016 that I should pay
Duty. I got free 2018
And they immediately punched my phone number. And they started calling and offering to pay 50,000 tons at once.
In place of 80,000 tons.
Then the calls stopped after a while. It's been 11 years
What to do?

Lawyer Shinyaev N. M., 1348 responses, 958 reviews, online since 03/01/2019
3.1. You need to overturn the judgment.

4. In 2010, I took a credit card from Ji Money Bank. I paid constantly. Ji Money Bank transferred powers to Sovcombank. In 2015, due to a decrease in wages, there was a delay. Since August 2018, payments have resumed and I pay regularly. Sovcombank filed a lawsuit in the world court. I wrote a waiver. The case was closed. On February 9, 2019, I received a letter from the Lublin District Court stating that I was supposed to appear in court on January 31, 2019. Tell me what my actions should be. The letter states that it has not been paid until October 2018.

Lawyer Shramova M. E., 918 responses, 577 reviews, online since 02/03/2019
4.1. You need to analyze all your documents and try to write an application for debt restructuring. When did you receive the summons? The decision of the court can also be appealed.

4.2. Hello! The first step is to find out if the case has been decided or not. if not, prepare written objections to the statement of claim.

Lawyer Filyuk V.P., 13684 responses, 5089 reviews, online since 01/06/2009
11.2. In the event of filing a claim, you or your lawyer can file an objection to the claim with the court, if there are grounds to file a counterclaim.
By attaching documents on the amount of the pension, the cost of paying the rent, you and the lawyer can ask to reduce the amount of the penalty, fine by several times.
If you disagree with the court decision within a month, you and the lawyer can appeal the court decision.
After the entry into force of the decision, attaching the documents, you and the lawyer can ask the court to grant you a deferment of the execution of the judicial act for a year or an installment plan of execution.
The bailiff can recover 50% of your pension to enforce the court order.

12. A letter "kef" came allegedly since 2013 the debt of ji Money Bank has not been paid. Signature in general finance express bank signed by a certain Klyukin A C what to do in this situation?

Lawyer Senkevich V. A., 45190 responses, 16993 responses, online since 08.10.2015
12.1. Hello! Send them to court. The statute of limitations has passed, you can declare this in court and the claim will be denied. Good luck to you and all the best!

Lawyer Vanteeva M.V., 49212 responses, 19417 reviews, online since 11/23/2009
12.2. Nothing. These are collectors. Never mind. If they call, send them to court and try not to communicate anymore. Otherwise, they'll finish it. In court, let them figure out who owes whom and how much.

Lawyer Karasov S. P., 87834 responses, 44849 reviews, online since 08/08/2015
12.3. Hello! Don't do anything. Pay nothing and sign nothing. If you file a lawsuit to recover a debt, then declare that the statute of limitations has passed.

Lawyer Gribov Yu.V., 56581 responses, 27609 reviews, online since 02/06/2015
12.4. In your case, in accordance with Articles 196, 200 a of the Civil Code of Russia, the three-year statute of limitations for filing claims has expired.
Therefore, when collectors go to court, you can calmly make a statement there about the application of the limitation period, and the claim will be denied.

Lawyer Titova T.A., 113285 responses, 49840 reviews, online since February 17, 2012
25.4. If the claim has not even been filed with the court yet, then no one can come to your house demanding the seizure of property, this is a violation of the right to the inviolability of the home. Don't let anyone into the house.
As for the consideration of a lawsuit in court - ask to recalculate interest - the correctness of their accrual on the body of the loan, and not on interest. Ask to reduce penalties - art. 333 of the Civil Code and payment by installments - art. 203 Code of Civil Procedure.

26. I took a loan from JimMoney Bank in 2012, then I didn’t have the opportunity to pay, I was left without work, the bank closed now, creditexpress collectors are calling, they demand the debt to pay off the documents, they refuse to provide text messages that I’m wanted, how to be.

Lawyer Senkevich V. A., 45190 responses, 16993 responses, online since 08.10.2015
26.1. Hello! Do not respond to the collectors, they will not be able to do anything else, they only scare. Good luck to you and all the best!

Lawyer Erkaev S.S., 106513 responses, 47954 reviews, online since 08/05/2014
26.2. Hello! Ignore the collectors completely. They do not have any serious powers, all they are capable of is to compose fairy tales about criminal liability and about their supposedly super-exclusive powers to "confiscate property", "take away children", etc.

Lawyer Syrova A. M., 34982 responses, 13187 reviews, online since 11/17/2015
26.3. Hello! Don't pay collectors anything. Let them go to court. In court, ask for a reduction in the penalty in accordance with Art. 333 of the Civil Code of the Russian Federation, this will reduce the amount of debt. Collectors will threaten contact the police, the prosecutor's office.

27. In 2014, she paid off a loan in jii money bank ahead of schedule. After 4 months, they called me and said that I had a debt, because. I did not write an application for early repayment and this is already Sovcom Bank. Not Jimmy Bank. I refused to pay. 2 years have passed and collectors from credexspres keep calling me and threatening me. I demand that they file a case with the court, they are rude and refuse to do it, and calls and SMS do not stop. What to do?

27.1. Ignore collectors and do not communicate with them. Pay nothing.

Lawyer Kromskaya A. V., 202 responses, 61 reviews, online since 09/05/2016
27.2. They have the right to claim, but it will be possible to break up their claims in court.

28. I paid off the debt on the loan from JI MONEY BANK in 2014, and now the EOS company is calling me and says that I owe more. What should I do? If you can call tomorrow after 1600

Lawyer Kugeiko A.S., 86702 responses, 38690 reviews, online since 05.12.2011
28.1. We don't call anyone back.
And you don't have to pay anything.

Lawyer Kostenko O.V., 47227 responses, 20248 reviews, online since May 17, 2014
28.2. Paying nothing is a scam

29. I have such a question, I took a loan from Gia Money Bank. A credit card in the amount of 123 thousand rubles was constantly paid off the debt. The last payment was in January 2014. Nobody bothered me all that time. 2 years have passed. In recent days, they began to call me and demand that I pay my debt to CreditExpress Finance LLC. Gia Money Bank was closed .. now allegedly Sovcombank bought it out. But no one calls from Sovcombank and does not bother .. Thank you.

Lawyer Akhmedov T.F., 51335 responses, 24319 reviews, online since 04/21/2016
29.1. Hello! Don't pay anyone anything. Send them to court. In court, you can reduce interest on the basis of Article 333 of the Civil Code of the Russian Federation.

Lawyer Smirnova N.V., 10611 responses, 4475 reviews, online since 03/28/2011
29.2. Hello!
Say that you will compensate in court, and let that company provide documents on succession there. In addition, at the time of filing a lawsuit, the statute of limitations may have passed.

Lawyer Matushanskaya I.V., 13781 responses, 6289 reviews, online since 11/27/2015
29.3. These are collectors. If you think you have fulfilled your obligations, do not pay. The statute of limitations will expire in January 2017. If they go to court, present receipts for payment, but they most likely will not do this, but only call - send them to court.

30. An SMS message was received from AktivBK: in connection with the refusal to pay the debt to the bank, the bank has the right to claim your real estate in court on account of repayment. Before it was an SMS: that a lawyer would come to receive a written refusal to pay the debt, but I’m not at home now, I’m away and I’ll be back only in 10 days. What property is the bank entitled to claim? How is the procedure? Bank GMoney Bank transferred my loan to another bank after the reorganization, without my consent without notifying me in writing. I slowly started to pay the next installment. There were financial difficulties with the treatment of a loved one. Now the situation is leveling off a bit. I have been a client of this bank for many years and there were no delays. Tell me how should I proceed?

Lawyer Gataullin A.R., 12643 responses, 4896 reviews, online since 01/24/2013
30.1. These SMS are just psychological pressure. The bank is not entitled to claim anything without a court decision. No lawyers have the right to demand from you any written refusal to pay the loan, and if they come home, you can not let anyone in and not communicate with anyone.

Dear Ekaterina,
You have been sent a Notice of the assignment to Sovcombank in May 2014 of the rights to claim on credit obligations to G&I Money Bank, which each client of G&I Money Bank had the opportunity to receive when contacting the former office of G&I or Sovcombank. This Notice states that an agreement has been concluded between the said Banks, according to which the rights of claim under your agreement have been transferred to a new creditor (Sovcombank).
The concession was made in the manner prescribed by paragraph 2 of Article 382 of the Civil Code of the Russian Federation. At the same time, the consent of the borrower is not required for the transfer of the rights of the creditor, and the current legislation of the Russian Federation on banking secrecy does not provide for a restriction on the assignment of the rights of claim to another credit institution.
In accordance with paragraph 23 of Section II of the General Conditions, “The Client grants the Bank the right to transfer to a third party the rights (claims) belonging to him under the Agreement (change of person in obligation), including a person who does not have a license for the right to carry out banking activities.”
We also remind you that by signing the Questionnaire, you agreed that you are familiar with the text of the Questionnaire, which states that you grant the Bank the right to transfer data to "third parties who, for any reason, have transferred the rights of claim under the contract."
The terms of the agreement under the Assignment of Rights of Claim agreement are a commercial secret, therefore the agreement itself between legal entities cannot be provided to you.
However, we inform you that this agreement was carried out as part of a full-scale and rather lengthy procedure for the merger of G&I Money Bank with Sovcombank, which was successfully completed on 12/05/2014. During the period of the restructuring, the following changes took place:
- in February 2014 IKB Sovcombank LLC completed the acquisition of 100% shares of GM Money Bank CJSC;
- in May 2014 LLC IKB Sovcombank concluded agreements on assignment of rights of claim under loan agreements of borrowers of CJSC GM Money Bank;
- in May 2014, GM Money Bank CJSC registered in the charter a change in the name to Modern Commercial Bank CJSC, as well as a change in the location address;
- in December 2014, Modern Commercial Bank CJSC (formerly GM Money Bank CJSC) ceased to exist as an independent organization due to the completion of the reorganization procedure in the form of a merger with IKB Sovcombank LLC;
- in December 2014, LLC IKB Sovcombank, due to the changes in the Civil Code of the Russian Federation that came into force (based on No. 99-FZ of 05/05/2014), brought the name of the company in the Constituent Documents into line - it was renamed into Public Joint Stock Company Sovcombank (PJSC "Sovcombank").
Thus, Sovcombank PJSC (formerly IKB Sovcombank LLC) is the full assignee of all rights and obligations of Modern Commercial Bank CJSC (formerly GM Money Bank CJSC), and you are a debtor for credit obligations to Sovcombank PJSC . All contracts and agreements previously concluded by JI Money Bank retain their legal force and are binding. It is not required to re-execute agreements previously concluded by JI Money Bank and sign additional agreements to the agreements.
We hope that the above clarifications are sufficient for further fruitful cooperation.
We recommend that you make payments under the loan agreement on time and in full in order to avoid the accrual of penalties under the agreement.