More recently, blocking casesfunds of individuals who were found guilty or suspected of extremist activity. At the same time, "salary" and "social" cards also came under the distribution. What do customers who have frozen a bank account?
Legislation
The legal basis is laid down in Federal Law No. 115 "Onanti-money laundering ". In part 1 of Art. 7 of this document states that banks are required to freeze funds of persons suspected of involvement in extremist activities. In this case, the basis for including a person in such a list is the relevant court decision. In other cases, do not worry about whether they will freeze accounts in banks. Commercial organizations perform these operations without communicating with the client, but on the basis of entering his data into the list of suspects. As practice shows, the filing of complaints and the application does not lead to the release of funds.
Roughly speaking, the law prohibits a "suspect"use his money. But the same document says that benefits and pensions guaranteed by the state, as well as salaries that are regulated by the Labor Code, should not fall under the law. But practice shows that if a bank account is frozen, then a person will not get access to them until they are excluded from the list of Rosfinmonitoring. The origin of the funds is not taken into account.
The bank froze the account: what to do?
In accordance with the Regulation on Rulestransfer "benefits, guaranteed by the state, which the elderly receive by mail, do not apply to non-cash settlements. Another thing is that many pensioners today receive money on the credit institution's card. If a person has frozen an account with a bank, it is necessary to write an application to the PF branch with a request to deliver the allowance through the postal organization. If the registration address does not coincide with the place of residence, then this information must also be conveyed to the state body.
For "extremists" who receive moneybenefits through the FSS ("decree", "sick leave", etc.), you must follow the same steps: write an application to the Social Insurance Fund asking for payment through post offices. Then it does not matter whether they freeze accounts in banks. Guaranteed by the state money a person still receive.
If it does not work
First, it must be remembered that non-receiptBenefit for 6 consecutive months leads to a suspension of payments. Therefore, if the scheme described above did not work, it is necessary to immediately apply to the department of the state agency at the place of service, and report this problem. In practice, there have not been such cases.
Do not give out a salary
This issue is resolved even faster.The Labor Code of the Russian Federation says that remuneration for work is paid at the place of work in cash. The transfer of funds to the card must be justified by an appropriate application or an employment contract. Therefore, if the bank account was frozen, in the first case it is necessary to write an application addressed to the employer with a request to receive a salary from the cashier's office. The copy number and date of fixation are indicated on the copy of the paper. The application can also be sent by registered mail with notification of delivery. In the second case it is necessary to write a paper addressed to the director with a request to make changes to a specific point of the TC of the latest edition. It is accompanied by a draft agreement, the text of the amended paragraph. The employer has the right to refuse the employee in this request. Then you need to close the "salary" account. The employer will not be able to fulfill his duty, and will be forced to sign an additional agreement. In extreme cases, will have to go to court. Such a decision will definitely have consequences for the employee.
Foreign regulations apply
A few months ago, the Spanish authorities closedaccess to the means of the Russians. Why do banks freeze accounts? Citizens of the Russian Federation did not explain the origin of capital in time. Under the law of the country, foreigners are required to justify the emergence of income invested in real estate or assets. Under the sanctions were people who did not respond in time to the relevant requests of the authorities. The authorities also pledge to declare property outside of Spain. Violators face a fine of 10 thousand euros. But many victims do not even try to correct the situation, because they are afraid to require such certificates in Russia.
What is the reason
Persons belonging to the category of "rich" shouldpay the difference between income tax in Russia and Spain. And this is 13% and 52% respectively. The basis for the calculations is a certificate of income. Hence all the problems. If a person has frozen a bank account in order to return access to funds, it is necessary to bring a certificate, respectively, to notify the authorities about owning property abroad, pay a tax in the Russian Federation and the difference in the budget of Spain.
Conclusion
Rosfinmonitoring makes a list of persons whosuspected of carrying out extremist activities or terrorism. It is regularly reviewed by credit institutions, and if there are coincidences, they block access to funds. At the same time, all proceeds to the card are distributed to the card. The good news is that a person can restore access to a pension, allowance and salary. Which banks have frozen accounts, in this case it does not matter. These payments are guaranteed by the state and the labor code, and therefore do not fall under the law on money laundering.
