Russians who decided to take out a loan were warned about the new rule | Our newspaper Lawyer Irina Sivakova spoke about a court case in which a man refused to repay a debt of 135 thousand rubles to a microfinance organization (MFO). The MFO filed a lawsuit, but the man managed to prove that he did not sign a loan agreement to receive money. The MFO stated that the loan agreement was concluded online, the man went through the registration procedure and confirmed the code sent via SMS. However, the MFO was unable to prove that the man received the funds. In response to the court's request about how the money was transferred, the MFO did not provide any information. As a result, the court refused to collect the debt from the MFO. This precedent established a new rule: if the MFO cannot prove that the borrower received the money, then it will be impossible to collect the funds. It is important for Russians applying for loans to take this precedent into account. Source link Source link
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what to do if scammers took out a loan on you – Russia today Posting in CHAT: Russia Fraudsters use different methods to steal citizens' money. One of them takes out a loan in someone else's name. This can happen if a person has lost their passport or it has been stolen, or if fraudsters have managed to hack into an account, gain access to personal data and access the website of a bank or microfinance organization. How to act if fraudsters took out a loan or a loan in your name, including online, is in this article. Check your credit history To find out if you have other people's debts, it is important to check your credit history regularly. Banks and microfinance organizations (MFOs) transmit information about all credits and loans to the credit history bureaus (BKI). There are several such organizations in Russia. Therefore, you must first make a request to the Central Catalog of Credit History (CCH), where the BKI stores your credit history. Such a request can be made through State Services, credit organizations or microfinance organizations. Then you need to contact specific BKIs. The answers will indicate not only the number of open loans and the total amount of debt, but also details for each individual loan: from which organization, when, for what amount and under what conditions it was issued. Twice a year, BKIs are required to provide this information free of charge in electronic form (on paper - once a year). You will have to pay for subsequent requests. When to contact the police If you see answers in the BKI about a loan that you did not apply for, you should contact the police. The application must indicate all available information about the loan and provide as much evidence as possible that the loan was issued by foreigners. Statements from your bank accounts and cards indicating that the borrowed funds have not been received will be sufficient. If your passport is lost, please attach the relevant police certificate. A BKI credit report may show that scammers used someone else's mobile phone number. To confirm that you have a different mobile phone number, you must attach a certificate from your mobile phone to your application. Along with contacting the police, it is necessary to notify the creditor - a bank or microfinance organization - about the incident. Write a statement stating that you did not enter into an agreement, did not receive money or sign an agreement, or that you were not identified. If your passport is lost, please attach a copy of the police certificate. In addition, you can always contact the Bank of Russia through the online reception, attaching the necessary documents. Do not forget that microfinance organizations are members of self-regulatory organizations (SROs); This information is posted on the Bank of Russia website. You can contact the SRO for additional control over the actions of microfinance organizations. For non-compliance with basic and internal standards, the SRO has the right to make demands for the mandatory elimination of identified violations, impose a fine or apply other measures established by the internal documents of the self-regulatory organization. In this case, you can file a corresponding claim in court. Collect as many documents as possible about the loan and prove that you have nothing to do with it. In particular, from a bank or microfinance organization it is necessary to take certified copies of the loan agreement (loan agreement) and all appendices thereto, the borrower’s passport provided to the lender when applying for the loan, details of the bank account or card where the money was transferred, a cash order or withdrawal order money from the account. Try to find out the details of the employee who performed the contract and the address of the office where this took place. If it is impossible for you to obtain this evidence directly, it can be requested by the creditor from the court at your request. Financial security To reduce the risks of foreigners applying for a loan in your name, follow the basic rules of financial security: take care of your documents and immediately report to the police if you have lost your passport; do not allow your passport to be copied (photographed) without the grounds established by law for the processing of personal data; Install an antivirus on your devices and update it regularly; enable two-factor identification on all accounts; do not click on dubious links, so as not to pick up a virus program, save Internet pages that you regularly use in your bookmarks (the padlock must be closed on the browser, which means a secure connection); Do not share bank SMS codes or your account and card details with anyone. Source link Source link
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New production of microcircuits and chip modules was launched in Russia thanks to a loan from the Federal Investment Fund. Roman Kovrigin Posting in CHAT: Russia The production of microelectronics in Russia is gaining momentum. Existing chip manufacturers are developing and new equipment is being purchased. The Industrial Development Fund (IDF) announces another step in this direction. The largest Russian microelectronics manufacturer Mikron (part of the Element Group of Companies) launched at its location in Technopolis Moscow a special economic zone line for assembling microcircuits into plastic boxes, as well as an additional line for the production of chip modules for bank cards. . , electronic documents and SIM cards. The total investment in production development amounted to 1.35 billion rubles. Of these, 1.08 billion rubles were provided in the form of a preferential loan from the Federal Industrial Development Fund (IDF) for the purchase of 61 units of high-tech equipment. A VEB.RF guarantee was provided as security. “The Mikron plant launched the first assembly line for the production of new products - microcircuits in a plastic container. Production is organized in a full cycle format: from the manufacture of integrated circuits to packaging. Thanks to this, Russian electronics manufacturers will receive a stable supply of chips that do not depend on imports and will be able to increase the localization of their products. The Industrial Development Fund finances high-tech and import-substituting projects, and therefore provided the company with more than 1 billion rubles. “In the form of a preferential loan. The total investment amounted to 1.35 billion rubles. I would like to note that the Mikron project became the 800th in the general list of production facilities opened with financing from the Federal Investment Fund,” said the director of the Industrial Investment Fund, Roman Petrutsa: “Supporting the development of domestic microelectronics is an important area of activity for the development corporation. The project, which started about a year and a half ago, was launched despite serious difficulties. The main stage is ahead - production! Together we will work for common success!” This was stated by Vice President of VEB.RF Daniil Algulyan. “The project was implemented with the support of the Industrial Development Fund (IDF) and VEB.RF and is an important stage in the development of production to ensure the goals of technological sovereignty in relation to the control of critical end-to-end technologies. Among the first customers are manufacturers of the automotive industry, radio-electronic equipment and smart measuring instruments,” said Gulnara Khasyanova, General Director of Mikron JSC. The new plastic assembly complex will allow the production of up to 18 million packaged microcircuits per year. Among them is the first completely domestic microcontroller with a core based on the open RISC-V architecture MIK32 “Amur”, as well as electronic microcircuits, transistors, stabilizers, amplifiers and other electronic components. Plastic-packaged chips are widely used in consumer and industrial electronics, such as telecommunications equipment, auto electronics, Internet of Things and smart home equipment, electricity meters, automation, robotics, medical equipment and meters. The new line of chip modules will allow Mikron to double its production capacity for these products – up to 56 million units per year. They are used in the production of Mir bank cards, international passports, cryptographic information security tools, as well as SIM cards. The main clients are manufacturers of Mir bank cards, tokens and Goznak. Mikron carries out a full cycle of production of microcircuits and chip modules - from integrated circuits to product packaging. Roman Kovriginhttps://dzen.ru Source link Source link