The lawyer named the rules of action when blocking accounts and transfers by the bank

When blocking a bank card and account, it is important to promptly register a request to the bank and consistently defend your rights. Albert Anufriev, lawyer and managing partner of Forseti&Ting LLC, told Izvestia on April 7 about the algorithm of actions in such a situation.

"Firstly, when blocking, it is important to contact the bank's support service. However, this must be done not verbally, by talking on the phone with a certain operator, but through messages that you can write in the appropriate application of the regulator. This is necessary so that you have proof that you have made the appropriate request. In the text of your messages, it is important to clearly formulate the question of providing you with information about the reasons for blocking your account and bank card," the expert explained.

Next, it is recommended to prepare a written request to the bank in two copies: one is handed over to the employee, the second should have a note of acceptance indicating the date, position and signature. If the document is refused, it can be sent by a valuable letter with an attachment list.

Head to the stop: card blocking may increase by 25% due to new Central Bank measures

Why can transfers to oneself become a reason for additional checks by the bank

Anufriev recalled that the relationship between the bank and the client is regulated by the law "On Consumer Rights Protection", according to which the bank is obliged to provide a response within seven days. Violation of this deadline may result in liability.

At the same time, the expert advises sending a complaint to the Central Bank of the Russian Federation with a request to verify the legality of the blocking. If there is no response from the bank or it does not contain reasonable reasons, the next step should be to contact the prosecutor's office.

"In jurisprudence, the principle of legal truth applies, and in a simple saying it sounds like this: "In jurisprudence, it's not what you know that matters, but what you can prove." Contacting a competent specialist will help you correctly collect the necessary information to determine a strategy for protecting your rights, as well as select the necessary legal tools, for example: a complaint to the Central Bank of the Russian Federation, a pre—trial claim directly to the bank, a complaint to the prosecutor's office, a statement of claim to the court," the lawyer noted.

According to Anufriev, even in difficult situations, it is important to act consistently and document every step, since any problem can be solved with a competent approach.

Ekaterina Kosareva, managing Partner of the VMT Consult agency, told Izvestia on March 27 that even small and regular transfers can be recognized by banks as illegal or suspicious, which threatens to block accounts and proceedings with law enforcement agencies. Special attention is paid to large-scale transfers to "myself" through the SBP system, followed by sending funds to third parties with whom there was no interaction before.

All important news is on the Izvestia channel in the MAX messenger.