Banks that do not work with bailiffs. How often do bailiffs make requests to banks? How do bailiffs find out which bank the account is in?

The execution of a court decision first provides for a notification procedure, notifying the citizen of the need to repay the debt, and then a forced procedure if the person refuses to pay the required amount within the allotted time.

The procedure for the bailiff's actions is quite standard and is prescribed in the current legislation. First of all, seizure is imposed on bank accounts. Moreover, funds are equally debited from accounts in rubles or in foreign currency. Some citizens, knowing that they have debt, try to avoid such a measure of influence and are interested in the question of which banks do not cooperate with bailiffs in 2019. Today we will try to give a clear answer and explain the situation with the arrest of accounts.

The answer to this question lies in the provisions of Russian legislation. According to the law, in response to any request received from a government agency, a bank or other organization is required to provide complete information about the debtor, indicating the following information:

• about whether the debtor has accounts and the amounts on these accounts in rubles and foreign currency;
• on the storage of any other valuables, for example, deposits.

Banks are given about seven days to complete this action. In this case, the financial institution is obliged to draw up an appropriate document and send it to the address of the request. Some banks do not provide data to bailiffs. In case of refusal to perform such an action, a serious fine is imposed on the banking institution. In connection with all of the above, we can conclude that it is quite easy to obtain information about which banks do not transmit information to bailiffs, if you focus on the number of penalties that were applied to banks in this regard.

How to find out which banks do not cooperate with bailiffs?

By law, every bank is required to provide information to bailiffs. Therefore, we can say with confidence that when such a request is received, a large bank that has a certain reputation in the lending market will definitely provide the necessary information, which will subsequently lead to seizure. It is important to note that bailiffs can send requests not only to commercial, but also to government agencies.

Even if the bailiffs do not send official requests to the bank about whether a citizen has valid accounts, information of this kind is stored at the tax office. At the FMS you can find out about all financial and credit institutions that work with bailiffs. Taking into account such circumstances, the best chance of hiding your savings from bailiffs is to open accounts in the following institutions:

• small commercial establishments, since requests are sent to large and government organizations first of all;
• electronic payment systems, since online wallets are very difficult to track. In fact, at the end of 2017, more than 100 banking and credit organizations had already signed a corresponding agreement on full document flow in the FSSP. The list of such companies is expanding almost daily.

A citizen can try to determine which specific banks bailiffs most often work with and where they send requests first. Such institutions include Sberbank, VTB24, Gazprobank. Another significant point is that only an organization that has the right to do so can exercise the right to collect debt from the debtor’s account. To do this, you will need to enter a special register created by employees of the Federal Bailiff Service.

From what accounts can money not be written off by bailiffs?

Within the scope of Art. 70 and 81 Federal Law No. 229 of October 2, 2007, restrictions are established in relation to some cash savings of citizens. That is, collection on these funds cannot be made. We are talking about the following means:

• savings in foreign currency, provided that ruble savings are sufficient to pay debts and satisfy claims;
• money held in the referendum fund accounts;
• funds in a special election account.

The listed rules were introduced only in the spring of 2016 after amendments were made to the basic law.

What to do if your account is frozen?

Even if restrictions have been imposed on the account, it is worth first inquiring about the current situation and then acting in accordance with the available information. If there is a disagreement with the amount or other points, the citizen can file a claim in court.

The process can be easily won if the bailiff violated the law or the evidence presented by the applicant is sufficient to lift the arrest. 10 days are allotted for making such a decision, and then another 10 days for direct removal of the encumbrance.

Conclusion

Each bank is required to provide bailiffs with information regarding the availability of accounts and funds on them in relation to a certain civilian or company. This is necessary so that service employees can impose a penalty and receive from the debtor the funds that he is obliged to pay by law. If the law is violated, a fine is imposed on the bank.

January 2019

When interacting with banking structures, the executors put forced collection of debts on stream. Every year, more and more banks actively cooperate with bailiffs and provide them with all the necessary information upon the first request. In order to avoid getting into an unpleasant situation when a certain amount is suddenly written off from your account, for example, for a forgotten unpaid fine, it is very useful to know which banks cooperate with bailiffs and which do not.

How is funds seized from the debtor’s accounts?

Russian legislation has regulated the debiting of funds from debtor accounts by bailiffs since 2007. However, this procedure used to be much more difficult for them than it is now. Since 2011, in accordance with the legislation introducing electronic signatures and electronic document management, the bailiff service has drawn up a standard agreement with banking organizations, which allows sending requests electronically to write off funds.

Now the exchange of information between banks and bailiffs occurs using special software through a dedicated Internet channel. This greatly facilitates the work aimed at collecting debts from citizens.

The principle of interaction between bailiffs and banks is as follows:

1. After the court decision enters into force, the bailiffs submit a request for the availability of accounts for a particular citizen to the required banking organization.
2. In response to this request, banks provide information to bailiffs.
3. After this, the FSSP sends a collection order to the financial organization - it indicates the debtor’s account from which the funds should be withdrawn.
4. Ultimately, funds in a certain amount are simply debited from the debtor’s account. Moreover, there are often cases when write-offs occur without prior notice and orders from the bailiffs, which is completely contrary to legal norms.

This algorithm can be used to write off all administrative debts that are within the sphere of influence of bailiffs - for example, loan debts, unpaid alimony, traffic fines, taxes or debts for housing and communal services, and so on.

How do bailiffs find out about bank accounts?

So, how is this procedure performed? Bailiffs look for debtors' bank accounts in the following way - an application is submitted to search for the debtor's accounts. This application is sent to all financial institutions. But since there are quite a large number of credit institutions on the territory of the Russian Federation, it is likely that the request will not reach everyone.

The larger the bank, the higher the likelihood that it will receive a corresponding request and, upon first request, provide all the information necessary to the bailiffs, and subsequently write off the funds from the debtor’s account. Sberbank undoubtedly takes the lead among all banks actively cooperating with bailiffs. If legal proceedings are initiated against a person, as a result of which a fine is imposed, then the funds from the Sberbank account of such a citizen will be written off with almost 100% probability.

In such a situation, it may be advisable to open a reserve debit account in some medium-sized non-governmental credit institution. This will reduce the likelihood of sudden withdrawals. However, the larger the amount that the bailiffs want to seize, the more likely it is that the funds will be written off (even in a small banking institution).

Which banks do not provide information to bailiffs?

According to the law, every credit institution operating on the territory of the Russian Federation is obliged to provide the necessary information to bailiffs. If a particular bank has developed a serious reputation in the financial market, then it will certainly comply with the legal requirements of the bailiffs.

Performers can send a request to both commercial and government agencies. As of 2018, more than a hundred financial organizations have already signed an agreement with the FSSP regulating full document flow. Moreover, the list of such credit institutions is updated almost daily.

Here are the 4 largest banks that work most closely with bailiffs:

• Sberbank
• Gazprombank
• Promsvyazbank

Unfortunately, it is not possible to say for sure which bank does not cooperate with bailiffs. Since the demands of the performers are completely legal, any organization that receives a request is obliged to react and provide the necessary information, otherwise it will be subject to serious penalties. And no bank wants to pay a large fine.

However, it is much easier to hide your own savings from bailiffs if you cooperate with:

• small non-state banks;
• electronic payment systems (it’s very easy and quick to create such a wallet, and it doesn’t have to be for yourself, but tracking it is very problematic).

These cards are blocked less often by bailiffs

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Which accounts cannot be seized in 2019?

In accordance with Articles No. 70 and No. 81 of the 229th Federal Law “On Enforcement Proceedings,” taking into account the changes and additions that came into force on December 5, 2017, the following cannot be written off:

1. Funds located in a specialized election account.
2. Savings held in foreign currency (if ruble savings are enough to pay off the debt).
3. Money held in the referendum fund accounts.

Bailiffs do not seize the above categories of funds. In other cases, banks write off money at the request of bailiffs, and the bailiffs do not always comply with the necessary notification procedures.

What to do if the bailiffs seized the account?

You can always go to court if there is any disagreement with the amount of funds written off. It is possible to win a lawsuit if the bailiff drew up a statement in violation of legal norms, or if the evidence provided by the plaintiff is insufficient.

Removing a seizure from an account without going to court takes place according to the following algorithm:

1. After a notification SMS message about the seizure of the account, you need to call the call center of the financial institution or visit a bank branch.
2. The result of this should be to obtain the necessary information about the amount of debt and how and where to repay it.
3. After 6-8 hours (maximum 24 hours), the arrest should be removed from the account.

Video on the topic

Sberbank was the first to sign such an agreement, which is why the most complaints from its clients can be found in the public domain. VTB24 is doing the same thing: the mechanism is being worked out on the basis of the Presnensky Department of the Federal Bailiff Service of Russia in Moscow, Deputy Director of the Operations Department of VTB24 Valery Mendus told reporters. The connection of other large banks with state participation is not far off.

The situation is somewhat alleviated by the fact that debtors’ funds are not written off from credit cards, but by mistake, write-offs can also affect them. The issue of paying fines and executing a court decision is not an issue for a law-abiding citizen.

Can a bank withdraw money for debts?

The current practice is that some banking institutions write off money for debts from those clients who did not even suspect that they had any debts.

Sometimes people don’t even know about traffic violations that are recorded by external surveillance cameras, but some banks, in conjunction with bailiffs, promptly write off fines from the account.

Initially, representatives of the banking segment flatly refused to carry out such procedures - due to precedents for incorrectly identifying account owners, banks did not want to work under such a system.

Banks are beginning to actively cooperate with bailiffs

If the debtor does not have funds in his account, the bank undertakes to monitor their receipt and will write them off as they are credited.

The powers to automatically write off debts for banks appeared a long time ago, back in 2007, but since the entry into force of the relevant legislative norm it has practically not been used, because banks were previously not willing to cooperate with the FSSP.

Which banks' accounts cannot be seized?

wow, I thought they were just writing off the money and that’s it... but they also block the card... it’s a shame that the bailiffs don’t seize the accounts. you need to pay the fine and go to the traffic police (if the fine is from there) to show them that you paid.

for them to note. We already had this too. but our accounts are not seized. the paper arrives at work or this amount is withdrawn from the bank account.

like from anyone if they know for sure that you have an account there.

Is there a bank where they won’t seize accounts?

The situation with anonymous wallets in electronic payment systems is still better; they are more difficult to track. There is a risk, of course, I wrote about it) I myself have several legal proceedings. I’ve been using the Alfabank card for a couple of years. No one has been arrested yet)) And the fact that the bailiffs do not always get to the accounts, then this is a question of the creditor’s interest in collecting the debt.

Prompt creditors themselves hand over to the bailiffs all the information about the debtor’s accounts and property, or even submit a writ of execution to the bank themselves.

And from which cards of which banks can the bailiffs not withdraw?

Another question is which ones will be difficult for them to find, definitely not in Sberbank

This is an email request.

So we have to offline all the goats (banks) in full (across the entire federal database) and interrogate them.

Deputy Director of the FSSP of Russia Tatyana Ignatieva clarifies that the full electronic document management system (all requests, responses, and procedural documents are sent electronically) works with five banks - VTB24, MDM Bank, Zapsibkombank, Bank of Moscow and Sberbank. Another 13 banks, including UralSib and Alfa Bank, are currently testing this system.

In general, the FSSP already works with 82 banks using an electronic document management system. True, most of them are not yet able to electronically process the main documents of the service - orders of bailiffs on the collection and seizure of funds.

If the amount in all the debtor's accounts is less than the amount of the debt, the bank transmits to the bailiffs the numbers of all the client's accounts indicating the balance for each.

And if there is no money for them at all, the bank begins to track them.

In a nutshell, this amendment boils down to the following: representatives of the Federal Bailiff Service have the full right to “freeze” bank accounts of debtors. Exactly until the amount in the seized account equals the total debt!

How often do bailiffs make requests to banks?

Hello, the frequency is the same, only during the period until the enforcement proceedings are completed and the writs of execution are not returned to the applicant, essentially once every 20 days, after the end of the enforcement proceedings and receipt of the writs, after 6 months you again have the right to submit writs of execution to the bailiffs, the case will be again initiated and a new search for the debtor's accounts and property will be carried out according to the law, 5 days for acceptance and 20 days for enforcement actions, then everything again until the debt is collected.

Which banks do bailiffs send requests to?

After this, the bailiff sends a decree to seize funds in the current account, and any bank, regardless of its form of ownership (commercial or state), is obliged to comply with it. Therefore, up to 50% of your income from the account opened to receive it can be withheld in absolutely any bank in the Russian Federation.

Which banks do bailiffs make requests to?

In which bank can you hide your account from the court? bailiffs after the end of the enforcement proceedings and receipt of the writs, after 6 months you again have the right to submit writs of execution to the bailiffs for the proceedings, the case will be reopened and a new search will be carried out. Can you learn to be smart with money? credit cards. Bailiff's requests to banks are divided into two types: 1 requests to banks for individuals 3 Legal basis for making a request to a bank in accordance with Federal Law 229 On enforcement proceedings The regional bailiff service has summed up the work for the first half of the year. Isn't everyone required to do this? ?

How bailiffs find out about bank accounts

The simplest and most effective method is to pay off all debts and start using your salary account again. But such an opportunity is not always available. You can also go to the creditor and ask him to withdraw the claim from the court, but this will most likely require partial repayment of the loan.

How do bailiffs search for debtors' bank accounts?

As for accounts, including settlement accounts, no one will seize them. The penalty is applied directly to the founder's share. Regardless of whether he owns 100% or less. The process of society's work itself does not change in any way. At least until the sale and appointment of a new owner.

Which banks do not cooperate with bailiffs?

Even if the bailiffs do not send official requests to the bank about whether a citizen has valid accounts, information of this kind is stored at the tax office. At the FMS you can find out about all financial and credit institutions that work with bailiffs. Taking into account such circumstances, the best chance of hiding your savings from bailiffs is to open accounts in the following institutions:

Which banks do bailiffs not seize accounts?

What financial instruments are immune from forced lien? To do this, it is necessary to establish how bailiffs determine the maximum amount of recovery by court decision, and what part of the proceeds can be withdrawn without the consent of citizens?

Bailiffs find out the debtor's place of work

The practice of debt collection is as follows: if the debtor changed his place of residence and job after he took out a loan, he fully understands that he can evade payments on the existing debt. The situation is often aggravated by the fact that the debtor can work without official employment and receive wages in cash. It seems that everything is fine, and no one will bother you, but sooner or later every person owns property, such as residential premises, country houses or cars. When registering them in his name, the debtor is automatically “exposed” and ends up in the general database of Russians, who can always be found by first name, last name and patronymic. Registration databases today are uniform throughout Russia.

About banks and finance

The debtor must be prepared that his salary card may also be seized. Indeed, before writing off money, the bailiff must make sure that he has the right to do this. Since the law does not allow everything to be written off, there are certain types of income that are inviolable. In practice, a sequence of questions appears. For example, at legal forums they are discussing the situation at a time when bailiffs blocked not only salary cards, but also credit cards.

Very often in my practice I have to deal with a situation where, after a long trial, the plaintiff receives the coveted writ of execution and it seems that the goal has already been achieved, but that was not the case.

Why? Because in order to get something, you also need to find something.

Banking and credit organizations must, within 24 hours of receiving the seizure order, suspend all operations on the debtor’s accounts.

If the amount in the account exceeds the amount of debt under the writ of execution, then the removal of the seizure from the excess is carried out only by order of the bailiff.

Return to list

Which account cannot be seized by bailiffs

Forced withholding of citizens' funds must be carried out in strict accordance with the law. To find out which accounts bailiffs cannot seize, you need to know the intended purpose of the proceeds to citizens.

Grounds for seizure of assets in banking organizations

In which banks do bailiffs not seize accounts? The only basis for seizing the assets of citizens in financial organizations will be a resolution that can be issued by bailiffs after receiving documents from the claimant. The decision and writ of execution will indicate the amount to be withheld from a person’s income until the debt is fully repaid.

Every resident of the country has the right to use any financial instruments in domestic and foreign banks, as well as issue debit and credit cards. Restriction of such a right by law is not permitted. If, during enforcement proceedings, the debtor's assets are seized, this requirement applies to assets placed in bank accounts.

In which bank should I open an account without being arrested by the bailiffs? This depends on the nature of the actions of FSSP officials, who have the right:

1. carry out search activities regarding the property and finances of debtors;
2. send a request to seize assets in the bank where the finances of these persons have been identified;
3. control whether the ban is imposed in accordance with the legal requirement.

Thus, if the bank receives a legitimate request from an FSSP employee, it is obliged to fulfill it in strict accordance with the instructions - to impose a restriction and carry out forced write-off.

What happens if the bailiffs do not know which banks the debtor has chosen to store or receive his income? This situation may well exist in practice, because banking organizations in the country number in the thousands, and FSSP employees, even if they want, cannot send documents to every bank.

Consequently, even choosing a specific bank will not avoid withholding if FSSP officials find out about the presence of a person’s assets in it. The most reasonable choice would be to choose a credit institution in another region, or one that is not on the list of banks most in demand among the population.

Which accounts can avoid seizure of funds?

Clients of credit institutions have the right to open any bank accounts provided for by its internal rules. However, they may have a specific purpose for receiving strictly defined payments or transfers. The nature of the proceeds will determine whether the funds can be seized.

What financial instruments are immune from forced lien? To do this, it is necessary to establish how bailiffs determine the maximum amount of recovery by court decision, and what part of the proceeds can be withdrawn without the consent of citizens?

Important! The law establishes that a person does not have the right to withhold more than 50% of his income. Moreover, there are certain types of income that are not subject to restrictions under any circumstances.

What types of payments cannot be seized in financial institutions? Such transfers include:

1. payments for the child: alimony, benefits, compensation for treatment, etc.;
2. payments related to compensation for harm to the health and life of citizens;
3. compensation and social benefits;
4. other similar types of translations.

Such income has a specific purpose that does not allow the general rules of enforcement proceedings to be applied to them. If bailiffs seize such proceeds, the debtor has every right to file a complaint with the court or addressed to a higher-ranking FSSP officer.

How will the designation of such payments affect the restriction of bank accounts?

How bailiffs find bank accounts

If a client of a financial organization indicates, when opening or preparing a card, its purposeful nature (for example, to receive alimony from the second parent), this will be the basis for exemption from the imposition of prohibitions.

Is it necessary to notify authorized persons or employees of a credit institution about the inadmissibility of forced withholding of funds from these types of assets? Citizens do not have such an obligation, however, in order to avoid the risk of illegal withdrawal of funds, they need to send a corresponding letter to the specified authorities.

How to return illegally withdrawn money

What should you do in a situation where your card is illegally seized, to which payments are transferred, from which deductions should not be made at all? In this case, you need to file a reasoned complaint with the enforcement service or the court.

To apply, you need to collect the following package of documentation:

1. certificates confirming the special targeted nature of payments;
2. forms indicating the actual transfer of these funds;
3. statements from a banking organization certifying the fact of imposing a restriction or actual withdrawal of money.

Note! A bank statement must confirm the intended purpose of the open instrument, which did not allow for the possibility of forced debiting of money in favor of the creditor.

You can file a complaint either to a higher official of the bailiff or directly to the court. It is recommended to indicate in the text of the appeal the illegal nature of the procedural measure, which violates the legitimate interests of the applicant.

Based on the results of the consideration, the court will determine the illegality of the procedural actions and will cancel the imposed ban. At the same time, the decision of the employee of the enforcement agency is subject to cancellation, and the applicant receives the right to return the withheld funds.

To receive money, you must obtain from the court a certified extract from the decision, as well as a writ of execution. These documents must be presented to the executor service for voluntary transfer of withdrawn payments. If such actions are not completed, the claimant can contact the local department of the federal treasury to receive money from the state budget.

You might be interested

Every year the number of property claims that entail the recovery of funds from the losing party is growing. The largest part, about 70% of the number of debtors, are individuals and representatives of small businesses. Collection of debt from a legal entity (organization), in the case of its current status and the absence of bankruptcy proceedings, is a straightforward process, since information about bank account details is publicly available information. In this article I want to touch on a more complex aspect of enforcement proceedings, such as searching for the debtor’s accounts in the presence of a writ of execution.

How can I help the bailiff search for the debtor’s accounts?

For many years now I have been keeping statistics of citizens’ appeals in order to identify the most pressing issues. Over the past three years, the number of appeals at the stage of enforcement proceedings has increased sharply.

How bailiffs find out about bank accounts

This is due to the fact that searching for the debtor’s accounts in the presence of a writ of execution is the task of the bailiff directly, but without the active participation of the debt holder, the process may stop at the very beginning.

Let's look at the bailiff's work regulations in detail to understand exactly where we can provide assistance and achieve the desired result.

• When initiating enforcement proceedings, the bailiff is obliged to send requests to all cellular operators to establish contacts for the debtor.
• In addition to requests from mobile operators, requests are sent to 2-3 of the most popular banks and other organizations at the discretion of the bailiff.
• When contacts are established, the debtor is called for an appointment at the department.
• If the debtor ignores the call of the bailiff, then a decree on the summons is issued.
• Regardless of whether the conversation took place or not, the bailiff is obliged to visit the place of residence and place of registration of the debtor.

At what stage should the holder of the writ of execution intervene and speed up the collection process? Of course, at the stage of sending requests. To do this, we are compiling a list of organizations:

• A request to the debtor’s place of work is required to establish the following data: Taxpayer Identification Number, SNILS and the bank through which payroll payments are made.
• Next is a request to the Federal Tax Service, especially if the debtor is a legal entity. Data from the Federal Tax Service will help to establish all the objects of taxation of a debtor individual, and, therefore, draw a conclusion about his property status. Data on a legal entity, in addition to taxable items, contains information about the organization’s current accounts.
• Request to the Pension Fund. If the debtor hides the place of his second job from us, then according to the information from the Pension Fund it will be quite easy to identify all employers.
• Requests to the maximum possible number of banking and credit organizations. Get ready to offer your services to deliver requests to their destination. To do this, the bailiff must issue you a corresponding order.

All accounts of the debtor, if there is a valid writ of execution, are subject to seizure. The exception is the list of accounts established by law.

Active actions of the holder of the writ of execution.

For a beautiful conclusion to such a sad topic, I want to tell you the story of how I was looking for a debtor’s account on behalf of one famous restaurateur, let’s call him M. The debtor was once his supplier, but a significant violation of the terms of the contract resulted in a high-profile lawsuit and the issuance of an executive order to M. leaf. For several months, the bailiffs informed him that they were diligently searching for the debtor’s property and accounts, but their efforts had not yet been crowned with even the slightest success. At the same time, M. knew that the debtor continued to conduct business successfully and was not hiding from anyone. What did I do first when I joined the process already at the stage of enforcement proceedings? I went online and found the debtor’s TIN, since information about legal entities is publicly available. Further, on the website of the Federal Tax Service there is a service that allows you to find out whether a given legal entity has a tax debt to the Russian Federation. In the event of demands for payment of taxes from a legal entity, transactions on all known accounts are suspended, and all credit and banking organizations in which the debtor's account has ever been opened are displayed. That's all. Of course, then there were requests from bailiffs to the organizations we indicated, but this is a completely different matter than firing a cannon at sparrows when requests are sent to randomly selected institutions.

Therefore, once again I want to focus your attention on the active actions of the holder of the writ of execution, because first of all, the most interested person is you yourself.

BONUS! You can ask all your questions about the collection of receivables in the chat on Telegram. The best specialists will answer you - t.me/getdolg!

Return to list

Every year the number of property claims that entail the recovery of funds from the losing party is growing. The largest part, about 70% of the number of debtors, are individuals and representatives of small businesses. Collection of debt from a legal entity (organization), in the case of its current status and the absence of bankruptcy proceedings, is a straightforward process, since information about bank account details is publicly available information. In this article I want to touch on a more complex aspect of enforcement proceedings, such as searching for the debtor’s accounts in the presence of a writ of execution.

The bailiff has sent a request to locate the accounts (respond urgently!)

How can I help the bailiff search for the debtor’s accounts?

Very often in my practice I have to deal with a situation where, after a long trial, the plaintiff receives the coveted writ of execution and it seems that the goal has already been achieved, but that was not the case. Why? Because in order to get something, you also need to find something.

For many years now I have been keeping statistics of citizens’ appeals in order to identify the most pressing issues. Over the past three years, the number of appeals at the stage of enforcement proceedings has increased sharply. This is due to the fact that searching for the debtor’s accounts in the presence of a writ of execution is the task of the bailiff directly, but without the active participation of the debt holder, the process may stop at the very beginning.

Let's look at the bailiff's work regulations in detail to understand exactly where we can provide assistance and achieve the desired result.

• When initiating enforcement proceedings, the bailiff is obliged to send requests to all cellular operators to establish contacts for the debtor.
• In addition to requests from mobile operators, requests are sent to 2-3 of the most popular banks and other organizations at the discretion of the bailiff.
• When contacts are established, the debtor is called for an appointment at the department.
• If the debtor ignores the call of the bailiff, then a decree on the summons is issued.
• Regardless of whether the conversation took place or not, the bailiff is obliged to visit the place of residence and place of registration of the debtor.

At what stage should the holder of the writ of execution intervene and speed up the collection process? Of course, at the stage of sending requests. To do this, we are compiling a list of organizations:

• A request to the debtor’s place of work is required to establish the following data: Taxpayer Identification Number, SNILS and the bank through which payroll payments are made.
• Next is a request to the Federal Tax Service, especially if the debtor is a legal entity. Data from the Federal Tax Service will help to establish all the objects of taxation of a debtor individual, and, therefore, draw a conclusion about his property status. Data on a legal entity, in addition to taxable items, contains information about the organization’s current accounts.
• Request to the Pension Fund. If the debtor hides the place of his second job from us, then according to the information from the Pension Fund it will be quite easy to identify all employers.
• Requests to the maximum possible number of banking and credit organizations. Get ready to offer your services to deliver requests to their destination. To do this, the bailiff must issue you a corresponding order.

All accounts of the debtor, if there is a valid writ of execution, are subject to seizure. The exception is the list of accounts established by law.

Active actions of the holder of the writ of execution.

Banking and credit organizations must, within 24 hours of receiving the seizure order, suspend all operations on the debtor’s accounts. If the amount in the account exceeds the amount of debt under the writ of execution, then the removal of the seizure from the excess is carried out only by order of the bailiff.

For a beautiful conclusion to such a sad topic, I want to tell you the story of how I was looking for a debtor’s account on behalf of one famous restaurateur, let’s call him M. The debtor was once his supplier, but a significant violation of the terms of the contract resulted in a high-profile lawsuit and the issuance of an executive order to M. leaf. For several months, the bailiffs informed him that they were diligently searching for the debtor’s property and accounts, but their efforts had not yet been crowned with even the slightest success. At the same time, M. knew that the debtor continued to conduct business successfully and was not hiding from anyone. What did I do first when I joined the process already at the stage of enforcement proceedings? I went online and found the debtor’s TIN, since information about legal entities is publicly available. Further, on the website of the Federal Tax Service there is a service that allows you to find out whether a given legal entity has a tax debt to the Russian Federation. In the event of demands for payment of taxes from a legal entity, transactions on all known accounts are suspended, and all credit and banking organizations in which the debtor's account has ever been opened are displayed. That's all. Of course, then there were requests from bailiffs to the organizations we indicated, but this is a completely different matter than firing a cannon at sparrows when requests are sent to randomly selected institutions.

Therefore, once again I want to focus your attention on the active actions of the holder of the writ of execution, because first of all, the most interested person is you yourself.

BONUS! You can ask all your questions about the collection of receivables in the chat on Telegram. The best specialists will answer you - t.me/getdolg!

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A credit history database has been created for everyone who applied to banks for loans. There are several such organizations where all information about borrowers is stored (NBKI, BKI, etc.). From any credit history bureau, every person once a year can request information about themselves completely free of charge; to do this, you just need to contact any bank with a passport. Banks, when issuing a loan, also make inquiries to the credit history bureau. All information about issued loans and even loan applications is stored there. There is also information on how the borrower fulfills his obligations, and whether he has been late on the loan. Therefore, it becomes more and more difficult to take out a loan.

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Banks are in close contact with each other, pay attention to everything, marital status, income, age, number of children, ownership of movable and immovable property, look at your credit history and even pay attention to how you filled out the loan application form. loan before, what place of work they indicated, what income and even telephone numbers. All this is verified. But somehow I went off topic; I can write in detail about the work of banks later.

And now about that amount of 100 rubles on the author’s Sberbank card. Bailiffs can seize any card or even all of them at once, depending on the amount.

Since there were not enough funds on this card, and there were only 100 rubles, they could also seize this amount on another card. As soon as this amount appears on this card, the debt will be written off.

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In which banks do bailiffs seize accounts?

• about whether the debtor has open accounts and the amount of funds in rubles or other currencies;
• about storage of any other valuables.

Failure to provide the information requested by the executive body within seven days may result in a fine. Therefore, when finding out which banks do not provide information to bailiffs, we can say with confidence that if a request is received, not a single credit organization, commercial or government, has the right to hide such information if there is a court order to search for the debtor’s accounts.
Information about the banks servicing the debtor can be easily obtained from the tax service for subsequent contact with a specific organization.

There are no banks on the list that do not work with bailiffs. But they do not always make the appropriate request. Accordingly, there is a greater chance of hiding savings from bailiffs by collaborating:

• with small commercial banks, because requests are sent to large credit organizations first;
• with payment systems, because electronic wallets in Russia are difficult to track.

Note: by the end of 2017, more than 100 banking and credit organizations had already signed an agreement on electronic document management with the Federal Bailiff Service. Through a dedicated Internet channel, information is exchanged and funds are automatically written off from accounts to pay off existing debts. The list of organizations connecting to the system is constantly growing. At the same time, it is possible to determine which banks bailiffs cooperate with in 2017-2018.

Which banks do not cooperate with bailiffs?

Bailiffs will be able to quickly acquire information about the availability of receipts, bank cards, securities, safe deposit boxes, and information about loans issued to the debtor.

Attention

In addition, the bailiff will become aware of any movement of funds on receipts of debtor citizens.

If a penny dropped somewhere, it would be noticed. The project in the Northern capital is just the beginning: we have a large number of banks, and so do debtors.

The law prohibits bankers from covering clients who are in debt.
Important

Accounts can be seized, but if there is not enough money, you can wait.

Or, as lawyers say, accumulate funds. Under such conditions, the account becomes a kind of trap for the debtor’s money: what comes in, does not go away. As the director of the Federal Bailiff Service, Artur Parfenchikov, said then, the department is already working to introduce a similar system in other banks.

Which banks do bailiffs cooperate with and which ones do not?

Another significant point is that only an organization that has the right to do so can exercise the right to collect debt from the debtor’s account.
To do this, you will need to enter a special register created by employees of the Federal Bailiff Service.

But in practice this is almost impossible, because... This register is compiled by the bailiffs themselves and each region has its own banks.

Federal Law - 229 dated October 2, 2007, restrictions are established in relation to some cash savings of citizens.

That is, collection on these funds cannot be made. We are talking about the following means:

• savings in foreign currency, provided that ruble savings are sufficient to pay debts and satisfy claims;
• money held in the referendum fund accounts;
• funds deposited in a special election account.

About banks and finance

The execution of a court decision first involves a notification procedure, notifying the citizen of the need to repay the debt, and then a forced procedure, when a person refuses to pay the required amount within the allotted time. The procedure for the bailiff's actions is quite standard and is prescribed in the current legislation.
First of all, seizure is imposed on bank accounts. Moreover, funds are equally debited from accounts in rubles or in foreign currency.

How to quickly seize an account in a new bank

Some citizens, knowing that they have a debt, try to avoid such a measure of influence and are interested in the question of which banks do not cooperate with bailiffs in 2018.
What requests do bailiffs send to banks? The answer to this question lies in the provisions of Russian legislation.

Banks that do not work with bailiffs

VTB24 is doing the same thing: the mechanism is being worked out on the basis of the Presnensky Department of the Federal Bailiff Service of Russia in Moscow, Deputy Director of the Operations Department of VTB24 Valery Mendus told reporters.
The connection of other large banks with state participation is not far off. The situation is somewhat alleviated by the fact that debtors’ funds are not written off from credit cards, but by mistake, write-offs can also affect them. The issue of paying fines and executing a court decision is not an issue for a law-abiding citizen. Can a bank withdraw money for debts? The current practice is that some banking institutions write off money for debts from those clients who did not even suspect that they had any debts. Sometimes people don’t even know about traffic violations that are recorded by external surveillance cameras, but some banks, in conjunction with bailiffs, promptly write off fines from the account.

Banks not cooperating with bailiffs

Personal consultation With what application? Similar questions Which banks do not cooperate with bailiffs? I didn’t give the decision to the bailiffs, the magistrates said that they would revoke the previous decision that was not in my favor, which was. What companies exist to resolve the issue of discrepancies in settlements with the bailiffs, that is, they count one from my account (plastic card) for my pension in Sberbank funds in the amount of 9,350 rubles were illegally written off.

yt banks cooperating with bailiffs

The site's lawyers do not call you first! Personal consultation The bailiff blocked my card without sending a resolution to initiate enforcement proceedings. Is this legal? question number No. 9994503

• reviews: 14,490 Hello! apply to the bailiff. There are no hopeless situations at all, or rather, they are only a consequence of the human tendency to consider every difficult case hopeless.

In connection with all of the above, we can conclude that it is quite easy to obtain information about which banks do not transmit information to bailiffs, if you focus on the number of penalties that were applied to banks in this regard. How to find out which banks do not cooperate with bailiffs? By law, every bank is required to provide information to bailiffs. Therefore, we can say with confidence that when such a request is received, a large bank that has a certain reputation in the lending market will definitely provide the necessary information, which will subsequently lead to seizure. It is important to note that bailiffs can send requests not only to commercial, but also to government agencies.

Even if the bailiffs do not send official requests to the bank about whether a citizen has valid accounts, information of this kind is stored at the tax office.

Banks not cooperating with bailiffs 2017

At the FMS you can find out about all financial and credit institutions that work with bailiffs. Taking into account such circumstances, the best chance of hiding your savings from bailiffs is to open accounts in the following institutions:

• small commercial establishments, since requests are sent primarily to large and government organizations;
• electronic payment systems, since online wallets are very difficult to track. In fact, at the end of 2017, more than 100 banking and credit organizations had already signed a corresponding agreement on full document flow in the FSSP.

  The list of such companies is expanding almost daily.

A citizen can try to determine which specific banks bailiffs most often work with and where they primarily send requests.

Such institutions include Sberbank, VTB24, Gazprobank.

Banks not cooperating with bailiffs 2016

Is there a bank where they won’t seize accounts? The situation with anonymous wallets in electronic payment systems is still better; they are more difficult to track.

There is a risk, of course, I wrote about it) I myself have several legal proceedings. I’ve been using the Alfabank card for a couple of years. No one has been arrested yet)) And the fact that the bailiffs do not always get to the accounts, then this is a question of the creditor’s interest in collecting the debt.

Prompt creditors themselves hand over to the bailiffs all the information about the debtor’s accounts and property, or even submit a writ of execution to the bank themselves.

And from which cards of which banks can the bailiffs not withdraw? Another question is which ones will be difficult for them to find, definitely not in Sberbank. This is an electronic request.

So we have to offline all the goats (banks) in full (across the entire federal database) and interrogate them.

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