Two years after joining the Crimea to the Russian borrowers living on the peninsula seems to have lost their special position. still have to start paying on loans taken earlier in the Ukrainian banks Despite the loud statements by the authorities, residents of the Crimea in the very near future. Law of the relevant rules were introduced at the end of 2015, but so far to implement them is not reached, in order to prevent social tension in the region.
The site of the Crimea to protect depositors Fund (FZV) there is a list of organizations that through FZV got the right to collect from the citizens of Crimea debts on loans purchased from Ukrainian banks. To date, three such organizations: LLC "SK" Legal Initiative "" (Krasnodar), JSC "The stock Converse Centre" (Moscow) and OOO "DJ Finance Rus" (St. Petersburg). According to the Deposit Insurance Agency (DIA parent company FZV), the total amount of claims on loans Crimean acquired by these organizations in Ukrainian banks (Fidobank, OTP Bank, Alpha Bank), - a little less than 1 billion rubles. The biggest claimer is a joint-stock company "Stockonvers center "with the volume requirements to 19.5 thousand citizens in the amount of 818.2 million rubles from the Ukrainian Alfa-Bank's total, according to the DIA in FZV addressed the 15 organizations -... the purchasers rights requirements on loans to Ukrainian banks Crimeans but 12 of them were refused because of failure to complete the package of documents. however, to apply, they can unlimited number of times, so that the number of claimants to the Crimean Ukrainian debt through FZV may increase. since the departure of the Crimea Ukrainian banks in the spring of 2014 no large-scale practical actions to recover loans granted to Crimean residents are not taken.
At the time of the annexation of Crimea to the Russian debt on loans to Ukrainian banks, according to the Crimean authorities were about 350 thousand. Crimeans. And according to the Independent Association of Ukrainian Banks, on February 1 2014 (more recent data are not available) provided to borrowers Ukrainian banks Crimea loans amounting to 16.6 billion hryvnia. In terms of rubles, based on the rate of the Central Bank on March 18, 2014 (on the date fixed by the size of the debt in accordance with the law), it isIt amounted to 62.77 billion rubles. Data about how the amount of claims on loans to Ukrainian banks Crimeans purchased by Russian companies, and what are the potential volume recovery in DIA did not have.
FZV was entitled to settle their differences in collecting debts from Ukrainian Crimean on loans according to a law passed at the end of 2015 - 422-FZ. He found that demand repayment of loans to Ukrainian banks to the annexation of Crimea to Russia, may only Russian company that purchased debt from the original creditors. The obligation to control the collection process (unless the parties agree otherwise do) the law was given to FZV. More than a year FZV avoided claimants registration, referring to the inconsistency of their appeals the law. According to the source "b" familiar with the situation, it was important to avoid social tensions, which could provoke a debt collection through FZV, before the elections (Duma elections in Russia were held in September this year), but then refuse to accept applications was no longer possible .
The fact hto recover from the Crimean Ukrainian debt for loans with the help of state structures will cause protests, experts no doubt. "I think that the citizens of the peninsula, inspired by the special situation of the region and the various benefits could calculate that these debts will eventually be forgiven, - says deputy director of audit and consulting company" Finexpertiza "Natalia Borzova.- Many borrowers are likely to be disappointed by this turn events. Psychologically, people are likely to have become accustomed to the fact that these debts in the past. " The feeling that the debts of the Ukrainian banks will disappear along with the annexation of Crimea to Russia, was produced by the inhabitants of the peninsula from the date of its accession. So, in April 2014 Vladimir Putin during a straight line, answering the question of Crimean resident, how to deal with credit taken in Private Banking in the car, he said: "Well, ride quietly do not want Mr. Kolomoisky (principal owner of Privat-Bank. .- "b") with Finkelstein (head of the Crimean Privat-banka.- "b") to receive the money from you - that's their business. "
Actively encouraged not to pay the debts in UkrainianAin banks head of the Crimea Sergey Aksenov. "No refund Ukrainian banks, and those who bought their debts, we will not accept any normative and legislative acts to a Crimean it was not possible to force to recover these amounts.", - He assured the citizens in March 2015.
Adoption of the law, which determined the order of repayment of debts of citizens, provoked a storm of discontent in the Crimea, but, given that the specific steps to deal has not yet been reached, it quieted down pretty quickly. And representatives of the Crimean authorities do not forget to encourage the citizens. For example, just recently a State Duma deputy from the Crimea Andrew Kozenko assured that the problem will be solved with loans. "Today Crimea appeared a serious team of representatives in the State Duma, and I really want our citizens no longer have to worry about the Ukrainian credit - we are able to protect the Crimean people", - he said.
Against this background, with the collection of debts by Ukrainian Crimean loans even with the participation of FZV it looks difficult doable task. "Annexation of the Crimea there were more than two and a half years ago. Not far off after three yearshis limitation period. This circumstance must also be taken into account in assessing the chances "-. Said partner BMS Law Firm Denis Frolov," The most important thing in this situation - to make sure that the contracts were written right of the creditor to transfer debts to third parties, because that's what this is, room for legal maneuvering and possible disputes, - continues Andrey partner Lidings Zelenin.- it is understood that some of the borrowers will be unhappy that the debts still have to put out, while, perhaps, was the expectation that this issue will be resolved once . "But the fact that it was not possible to extinguish the loans are not exempt from duty, but only from the payment of fines and penalties, he concludes.