Interesting and Humour - page 3077
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https://www.youtube.com/watch?v=3wrDwbBNVwQ
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Interestingly, according to the bank rules, nothing can be rolled back! Only through the courts.
Or does Sber live by kitchen rules?
Interestingly, according to the bank rules, nothing can be rolled back! Only through the courts.
Or does Sber live by kitchen rules?
Like little children, you and that player. Grown-ups, but they believe in fairy tales. It is clear to everyone that there was a mistake. A normal person would not have gambled and would have called the bank and asked if everything was OK there.
The question is not about clarity, but about the fact that Sber should have gone to court to try to collect, not to drive the client into deficit.
No one owes anyone anything
Don't bullshit me.
I am writing about the instructions of the Central Bank, which are all our sacred.
There is a list of grounds to which quite certain documents correspond, on which the movement of money through bank accounts, including client accounts, is carried out.
The rules are as follows.
For example.
A client comes in and fills out a document with a mistake, and a teller accepted and executed such a document with a mistake. For example, crossed out what-lo and wrote a new one.
And then we follow the amazing logic of our regulator, the Central Bank of Russia.
An inspection by the Central Bank of the Russian Federation comes in and finds this incorrectly filled in document. The amount indicated in this document is deducted from the bank's turnover, which skews the bank's balance sheet. The CBR concludes that the CBR has been submitting inaccurate statements throughout the period between CBR audits. And unreliable reporting is the main basis for license revocation. If you crawl on your belly and are convinced that there was an isolated incident, the CBR imposes license restrictions as a preventive measure. If the document is not properly drawn up by a private individual, you will probably get a licence restriction on private transactions. Once a licence is restricted, regardless of the financial condition of the bank (the reporting is not reliable!), a pre-bankruptcy state (!) is introduced, to exit from which an action plan must be developed and approved by the CBR. Naturally, such an action plan must include measures that will prevent the acceptance of incorrectly executed payments, as in my example. But in addition to this we will have to make up another 200 pages of measures with justifications and calculations....
Naturally, the Central Bank will be ordered to correct the bank's accounts by an amount (even a few kopecks) and to replace the reports. For each new report, a fine will have to be paid which is calculated on the amount of the bank's own funds. Today, the average bank's own funds are several hundred million roubles. Since the bank submits statements every day, you pay for each day that you have this erroneous amount on your balance sheet. After that, you forget about the "technical overdraft" for the rest of your life.
And God forbid you open your mouth with any "technical overdraft"! The smell of introducing temporary administration into the bank will become very apparent.
At the beginning of the 90s someone deposited a huge sum of money into my company's account, not just for me. So the head of the operations department just wailed for me to sign a payment slip and send the money back. As at the time I was in the position of "technical overdraft" I refused, but when it was explained to me that the money could be stolen... and I became an accomplice... I immediately signed.
I am writing all this in such detail on purpose.
Sitting without any rights in the kitchens and extrapolating these orders to the entire financial system. And everything I've described shows that all these VCs have nothing to do with finance, horse racing, racetrack, no-holds-barred fighting...
So, men, you just have to know your rights and understand who you are dealing with.
PS.
Money on the account of the client is his property, to dispose of this money can only the client, drawing up its orders in the form of strictly defined in the form and content of documents, or the bailiff in the presence of a court decision.
СанСаныч Фоменко:
I am writing this in such detail on purpose.
Sitting in kitchens without any rights and extrapolating these orders to the entire financial system. And everything I have described shows that all these VCs have nothing to do with finance, horse racing, racetrack, no-holds-barred fighting...
So, men, you just have to know your rights and understand who you are dealing with.
PS.
The money in the client's account is his property, only the client can dispose of this money, making out his orders in the form of strictly defined in form and content of the documents, or the bailiff in the presence of a court decision.