In exchange for the abolition of additional fees and fines

In exchange for the abolition of additional fees and fines

U Rospotrebnadzora again wake keen interest in the banks. Head Office Gennady Onishchenko, dissatisfied with the fact that not all followed the example of the "Russian Standard" and renounced the commissions, market participants promised massive checking on the complaints of borrowers and monitoring of total lending conditions. If pressure officials will be just as effective as in the case of the "Russian" standard, not all banks face a liquidity crisis, experts predict.

11 December in Rospotrebnadzore Advisory Council held a meeting to discuss the situation with the protection of consumers of financial services. The outcome of yesterday's meeting, read a department head Gennady Onishchenko. He said that despite the positive steps "Russian Standard" to lift the additional commissions, other banks example of the market leader, did not follow. As a result, "despite the measures taken, the situation in the area of consumer credit issuance of the population remains tense" - conveyed the words "Interfax" Mr. Onishchenko. In this regard shortly agency intends to hold "purposeful checks for banks, leading to part violations of the law in the area of consumer rights." Onishchenko plans are based, he said, on the growing support for the courts "Rospotrebnadzora legal position on the assessment situation in the banking sector of the issuance of consumer loans citizens want."

The legal position is the recognition Rospotrebnadzora illegal charging banks with loan borrowers additional fees and penalties for early repayment of the loan and overdue payments on it. For the first time, it manifested itself in summer 2006, when disco ruled an administrative violation against Home Credit and Finance Bank. Trying to challenge him, the bank has lost in three instances. In spring 2007 the department Gennady Onishchenko served in several peer-party lawsuits borrowers to banks filed with the help of the public organization "checkpoint". The culmination of the struggle officials with the banks became initiated Rospotrebnadzorom checking Genprokuraturoy Bank "Russian Standard": as a result of the bank completely abolished commission not only on new, but also on previously issued credit. Rospotrebnadzor parallel with a mixed record from about a dozen banks, which attempted to challenge his claim.

Yesterday's statement by Gennady Onishchenko indicative of a new surge of interest in health departments in the banking sector, after three months of quiet, during which the department apparently tried to assess the effect of pressure on the "Russian Standard". But he was not as significant as expected. Besides HKF Bank, part of the unwilling dopkomissy (see yesterday '), other banks have been slow to adopt similar measures. "Despite the refusal of dopkomissy, the reputation of the two market leaders rather podporchena confrontation with the authorities, and many borrowers under the influence of the prevailing stereotype go to other banks, even if there dopkomissy" - analyst believes the agency "buy" Belozerova Victoria.

"It seems Gennady Onishchenko again took on the case and intend to save borrowers from the Commissions and fines - Top Manager notes major Russian bank .- If methods impact will be the same as in the case of the 'Russian Standard', some banks may not survive "liquidity crisis. From a secondary examination and not insured banks that Rospotrebnadzor already tried it. 'As explained chairman of the International Confederation of Consumer Societies Dmitry Yanin, in the Law on the Protection of Rights and business entity in the state has a clause allowing an unlimited number of unannounced inspections of complaints made by citizens, while at the initiative of Prosecutor verification of the same businesses can take place only every two years.

The situation for banks exacerbated by the fact that banks alone inspection leaders on the number of complaints from borrowers Gennady Onishchenko did not intend to be limited. 'As reported by a member of the consultative council, who attended the meeting in the office, in conjunction with inspections Rospotrebnadzor will begin monitoring retail products and credit agreements leading banks, regardless of whether they received complaints from borrowers or not.