League of credit brokers of Primorski Krai

On the grave situation in which the borrower on how the banks' debts knock "and" deceived co "in an interview with RIA Data" Deputy Chairman of the Primorsky branch of the Union of borrowers and depositors of Russia Yevgeny DETSIKA
«Data»: How do the financial institutions to cheat their customers? How is it done?

Such cases indeed exist, and we often hear about them. For example, some insurance companies have estimated the company, and through their insurers issuing smaller amounts than the damage suffered. Recently SZVR receiving a large number of downloads of Nakhodka, where it is rumored, «burst» credit cooperative, and this case - only the first swallow. A separate issue - «deceived co». Full cases where people have paid money, and build a house no. Experience in solving problems of equity participants, there is perhaps only in Moscow from Luzhkov, and even a few central areas.

Now we receive many requests from people that have mortgages for 14% of «floating» rates, which, after the crisis popolzli up and reached 33%. You want to have to ask the bankers: a person who earns 90 thousand a month, before the crisis paid 60, and now must pay 120? How do you conduct an assessment of the borrower? When they sold the mortgage, the customer is not saying that will have to pay twice as much. We are actively working with such treatment, and in June the first Court of the borrower and the credit institution, and we intend to win it.

There is still a great, beneficial for fraudsters bed - it imported life insurance companies and so-called hedzh funds. They work here, and the money they allegedly kept abroad. We have now treated a large group of customers of such pseudo-investment companies, which hold meetings in the hotel Hendai. Recently in Moscow we have a list of companies showing signs of financial pyramids, which are available to anyone.

«Data»: How come that a large number of inhabitants of the province was in «credit bondage»? After all, if I am not mistaken, the arrears primortsev banks exceeded 4 billion ...

E. Detsik: Many experts felt that the aggressive policies of banks, which took place in anticipation of the crisis will not lead to anything good. At the end of last year, and at the beginning of this, loans were given was not clear to whom and how is unclear - if only to sell. And it affects how the mortgage, and consumer, and auto.

This led to what we now have - 4 billion of overdue debts to banks of Primorye residents, and this is just the beginning. When the crisis began, people began to lose his job. To help us coming girls, single mothers, who for 20 years, with huge debts on the mortgage. There is already a question for the banks: where did they look when issuing loans? What happens next? The Bank should take the apartment, sell it, of course, but real estate prices fell, and people before the end of life will pay the debt for an apartment, which he did not have.

«Data»: So in this situation blame themselves, and financiers, who were disastrous credit policy?

It must be said that we have neither in school nor in the institutions do not learn how to align their financial lives. On this play, many unscrupulous managers of banks which are supported by advertising, by the savings on the risk assessment issue loans to those who do not then they will be able to pay.

Suppose that there are two banks, each issuing one billion of loans. The first kept the rate of 18%, he conducted a qualitative assessment of the creditworthiness, it provides loans only to people with good credit history, stable employment. A second bank has issued to all contractors, but only by 25%. So the first arrears less per cent, while the second - 10%. And the financial results is the same. Why? Because good second bank borrowers at higher rates of full payment of damages on the overdue debt.

And here it is necessary to pay attention to the social dimension: the rationale for a second bank? Building such a policy, he drive people «Credit slavery».

«Data»: How can people protect themselves, became the victim of fraud by the financial institutions? Чем ему может помочь ваша организация? How it can help your organization?

E. Detsik: First of all, there are specific state agencies which should protect the interests of citizens. For example, when the assistance comes in the «Union of borrowers and investors», we analyze the situation which occurred with the debtor. Then decide where you want to apply for protection of the rights of citizens: the Public Prosecutor's Office, a court or other regulatory authorities.

As part of our organization, we are actively monitors the market, looking at how to conduct various financial institutions in Primorye. Also we have a telephone hot line, 77-33-84, on which anyone can apply. We are negotiating with the Seaside Bar Association, and will attract qualified lawyers who can professionally help people. Before you enter into a contract, the future, though, can come to us, we will see a document, say, good or bad it is for him.

By the way, we are actively conducting round tables, increase the financial literacy of the population. For example, there are pension funds, but not all are aware of how they work.

Information: Non-Profit Organization «The Union of borrowers and depositors of Russia» (SZVR) was established in 2007 in Moscow. The purpose of the organization - to protect the rights and interests of citizens who are customers of financial institutions. In Primorsky Krai branch of «Union» has in the past year. The main directions of the organization - legal, counseling and psychological assistance.