Yuri Fraud Score: 1

Received approval from the TRUST bank for a loan in the amount of 150,000 rubles. After a call from a bank employee, I found out that the card was issued and I can receive it on the same day. But a condition was set to pay 5350 rubles to the account of this card as insurance.

After I transferred the money, they received a call that the card was blocked and it was necessary to pay another triple insurance. I didn't think I would face such a bank divorce. A real scam.

I express my special ingratitude to banki.ru from whose submission I went to this bank.

Yuri, hello!
You are faced with scammers, not Trust Bank employees. Bank Trust itself has been undergoing rehabilitation at Otkritie Bank since 2014 and does not lend to individuals on its own behalf. You need to report fraud to the police.

Sincerely,
Topbanki.ru editorial office

Anna Service for individuals Rating: No

Good afternoon. Today I took an extract from the BKI and there I saw that I owed the bank 2160. There is this bank in closed loans (although I do not remember when I took it there). Redeemed 2 loans for 28000. Where the remainder of 2160 I can not understand. And where can I get the details to pay off this amount? And why did the bank never call and say about the debt?

Disgusting cameraman Biketova Lyudmila! I ask her questions, she doesn't know anything.

Ekaterina Service for individuals Rating: 1

Disgusting cameraman Biketova Lyudmila! I ask her questions, she doesn't know anything. She answers rudely, and at the end of the conversation she generally started yelling.

Lyubov Vasilievna Credit Cards Rating: 1

Sheer swindle! Some years ago. I was given a card for 50 tr without my desire. I didn’t take a dime. As a result, she owed 150,000. Since the bank was withdrawing payments from the card within 2 years to pay off the interest. And two years later, when the money on the card ran out, they demand payment for all this disgrace.

They conducted the trial without my presence, they did not invite me to the court. As a result, almost half of the pension is deducted from 10,000 to pay off what I did not take. I wrote an application at the central office to close the loan - they say that I did not write anything.

I do not know what to do. If anyone came out of ...
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Several years ago I was applying for a loan, and then I had to get another loan. They helped a lot. It left a good impression.

Larissa Service for individuals Rating: 5

In St. Petersburg, a few years ago, I applied for a loan, and then I had to apply for another loan. They helped a lot. It left a good impression. The bank was then located on Moskovsky Prospekt. Once I was late for a day. They called, politely reminded me.

Unfair treatment of clients, your difficult situation or grief is not considered anything.

Valery Service for individuals Rating: No

Unfair treatment of clients, your difficult situation or grief is not considered anything. Down with the bourgeoisie.

They cheat people. They issue credit cards for clients and do not even ask for consent, and then they quickly activate the card and that's it. The person becomes their debtor.

Natalia Service for individuals Rating: No

Scammers work in the bank. They cheat people. They issue credit cards for clients and do not even ask for consent, and then they quickly activate the card and that's it. The person becomes their debtor.

The bank changed its name and details, but no notification whatsoever. Now I myself have to solve them her cant.

Olga Service for individuals Rating: No

Not an important bank. I changed the name and details, but no notification whatsoever. Now I myself have to solve them with her cant, so that I don't have any problems.

Natalia Cash loans Rating: 1

I invite everyone who has offended TRUST Bank to submit a collective complaint to the President!
In January 2012, she took out a loan for 60 months, at 40.54% per annum, after 20 months. they said that the loan was repaid, they even issued a certificate. Within 8 months. proved to the bank that there was a mistake. They deigned to agree and offered to immediately deposit a large amount so that there were no penalties for late payments.

My proposal to extend the term of the contract for the missed (not my fault!) 8 months was refused. But they offered refinancing at a lower percentage. Agreed, refinanced in May 2014. And in 2016, litigation began, because the bank did not close the contract. They demanded more than 160 ...
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3 years ago she paid off the debt through bailiffs, everything is closed. And the bank still requires penalties, fines and debt hangs in the credit bureaus. A dishonest bank.

I Cash loans Rating: No

3 years ago she paid off the debt through bailiffs, everything is closed. And the bank still requires penalties, fines and debt hangs in the credit bureaus. A dishonest bank. Don't mess with them and don't take money from them.

Nikolay Alexandrovich Cash loans Rating: 1

The bank is disgusting. A million times I regretted taking a loan from them. The percentages are huge, they will annoy everyone with calls, even for a trifle. All relatives will be called because of their unskilled employees, who cannot even see the amount of the payment and whether it has arrived or not.

Horror, not a bank. You are going with the right steps - to disintegration. Happy breakup.

Huge queues, customer service is a very long process, I can't get a deposit for a month now because of a live queue and a call from the client at the discretion of the operator.

Ivan Service for individuals Rating: 1

Huge queues, customer service is a very long process, I can't get a deposit for a month now because of a live queue and a call from the client at the discretion of the operator. I plan to go to court on the fact of lost profits and illegal retention of the DS.

They refer to each other and cannot find the extreme. Paid the mortgage, but the mortgage is not given.

Svetlana Mortgage Grade: 1

The most terrible bank that I know and there are only boors working there, they refer to each other and cannot be found extreme. Paid the mortgage, but the mortgage is not given.

Bank division

There is a personal account. It turns out that the information in it is absolutely unreliable.

Larisa Internet Bank Rating: No

I suggest not to use the services of this bank. There is a personal account. It turns out that the information in it is absolutely unreliable.

Anna Cash loans Rating: No

Disgusting bank. The payment amounts are called incorrect, as a result, an underpayment and a fine result. Bank representatives speak very rudely and are rude. They are very annoying, they constantly call from different numbers with a reminder of the next installment, although we always pay before the due date, they can call at 6 in the morning.

Never again will I take a loan from Trust Bank.

Zalida Mudarisovna Cash loans Rating: 1

I took a loan from Trust Bank. In 2017, I made a full early repayment, the bank gave the full amount for repayment, but I paid even a little more to be sure. But yesterday they called me from the bank and said that I had a debt of 10,000 rubles. I asked how this could be, because a year ago the loan was completely closed, I even received an SMS from the bank that everything is in order and the loan is fully repaid, and I have a payment receipt.

I was told that it turns out that the bank's consultant was mistaken and did not say the full amount for repayment, and there was still 100 rubles to be paid. Now the interest has run up for a year ...
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Parshukova Elena Sergeevna Bank collectors Rating: No

Big request - leave me alone, I do not know Tatiana Yurievna Belorukova, in Stavropol. I have never been, I have had a phone number for a long time, I have never seen this person in my eyes. Your people were already banging their ass with their calls, they absolutely do not understand anything, they accept something, I have already explained to them a thousand times that I am a completely different person.

Let your workers get their butt * ts up and run around Russia looking for people to whom you give loans.

Bank division
Head office Moscow, Izvestkovy lane, 3

Loginova Larisa Yurievna Cash loans Rating: 1

When closing the loan, as a result of non-professional actions of the bank employees, the wrong amount of the last payment was determined. Perhaps deliberately, it turned out to be less than a hundred rubles of the required amount. This is done in order to impose penalties on the client.

This is how the bank makes money from its clients. The bank does not provide a recording of a conversation where an employee of the Moscow office calculates the amount of the last payment. You will not find the guilty.

There is reason to believe that such actions by employees are a new type of fraud. I was forced to send a copy of this letter to the prosecutor's office to establish the legality of the penalties and to the court for compensation for moral damage.

Olesya Branch service Rating: No

Good afternoon. The review will be negative on 05/31/2018, I turned to the office on Bukhvostov for a certificate. Please pay attention to the INFORMATION on the letterhead of the organization with a seal (I received a similar certificate at the office on Spartakovskaya Street).

There is a girl sitting, probably a bank employee, with her cheek resting on her hand and looking like that with a drag. She asked me to issue a certificate, but in response to me "we do not give such certificates", and let me print out an account statement. I explained once again that I needed to get a CERTIFICATE, however, the girl again, rolling her eyes "we don’t give such certificates," and continues to sit, the statement is printed out.

I asked to give the phone number to the supervising organization "No telephone", come and ...
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Alexander Credit Cards Score: 1

Terrible bank, terrible service. I use a loan from this bank, I managed ... In Vladimir, there is one ATM for the whole city, it is extremely inconvenient to travel to the other end. I receive a salary of 27 on a Sberbank card, a loan of 28, if you transfer from card to card, the payment goes through immediately, a mini statement from the Trust bank shows that the money has arrived on a credit card. But then I get a fine of 500-1000 rubles.

When you find out, the managers are chattering as if they were running, "payment from third-party banks up to 3 days" and be sure despite the fact that they are already on your card, according to the mini statements, the Trust bank itself blocks them and will credit them for sure ...
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Natalia RKO Score: 1

Good afternoon. People write that they cannot get through, I also thought that this is the only problem of the bank - Operational office No. 1 of the TRUST bank in Lyubertsy, but at the moment I faced the biggest one.

Since April 12, our company cannot be serviced via the Internet bank due to the fact that the signature right has expired. Within 3 weeks, we selected certification documents and submit not the list of the necessary ones, but after checking one document within 3 days we were asked for the next one.

So it turns out to be more trifles, when our operator, who was engaged in our documents, went on vacation, then the matter arose before her return, on ...
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Irina Credit Cards Rating: No

I never wrote bad reviews, but now I have to. Several years ago I took a credit card from TRUST bank, at first everything was fine with me, but it turns out that this bank loves to scoff and deceive its customers.

As soon as the TRUST bank branch in our city was closed, everything started. No matter how many days before the due date of the monthly payment, I sent money (and with a commission), an SMS always comes stating that the payment is overdue. Tell me, can't the payment for 10 days get into the account? This is insanity.

I have to cooperate with many banks for work and all payments reach any bank within 5 working days ...
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I have been paying with a credit card for 4 years. She took 20,000, but paid off only 7,000. Horror. They don't know how to talk.

Olga Credit Cards Rating: No

Disgusting bank. I have been paying with a credit card for 4 years. She took 20,000, but paid off only 7,000. Horror. They don't know how to talk. There was no way out in my life, I would not take it. People don't take it.

Employees take their time to get their jobs done. Constant queues. One client is served for more than 30 minutes. Incompetent, unskilled do their job, rude to bank customers.

Elena Branch service Rating: No

Terrible bank. Employees take their time to get their jobs done. Constant queues. One client is served for more than 30 minutes. Very incompetent employees and very unskilled do their job, they are rude to the bank's clients. I do NOT advise you to contact this bank.

The banking system crisis, which is quite an expected consequence of the economic crisis in Russia, came much earlier than financial analysts predicted. The country's 27th largest bank, the national investment bank Trust, failed to cope with the anti-crisis measures introduced by the Central Bank. What will happen to this organization in the future and what can its contributors expect? To the question "Is it worth taking money out of there immediately?" It is necessary to answer in advance, because the repetition of history is unlikely to want at least one ordinary resident of our country who contacted a seemingly such a reliable bank as Trust.

Problems and debts of the bank "Trust"

First of all, it is worth immediately making a reservation that the bank reorganization procedure is not a process of closing it. The National Bank "Trust" could not stand the increase of the key rate by the regulator: as a result of recent events in the country's economy, the Central Bank raised this indicator by 6.5%, as a result of which on December 16 it reached 17%.

However, this state of affairs is more likely a consequence of the problems that NB "Trust" already had, rather than their cause:

1. According to the DIA's estimates, the assets of NB Trust are in reality 60 billion less than those declared in the organization's financial statements. Analysts of RosBusinessConsulting and specialists of the Central Bank are talking about this;
2. Carried away by consumer lending, this bank forgot that during the economic crisis, the risks of non-return of funds issued to consumers increase sharply - this provoked a concentration of credit risks and a shortage of equity capital when the bank itself had to give the money;
3. NB "Trust" had a large debt in foreign currency, which, with the growth of the dollar, increased the amount of credit funds previously received by the bank.

The situation of a shortage of funds within the Trust Bank took place for more than one year, but earlier the credit institution could afford it, since it was supported by its shareholders. However, the outflow of household deposits, which happened in all banks in Russia in the last two months, opened this hole and led to the need to either revoke the bank's license or carry out the reorganization procedure.

Bank rehabilitation "Trust"

Since December 22, in order to solve the above problems, the Trust Bank in 2014 was transferred into the hands of temporary managers from the Deposit Insurance Agency. The DIA should develop a bank reorganization program, that is, the rehabilitation of its financial condition. To do this, an investor is selected from among the large Russian banks to provide funds for the rehabilitation measures. At the moment, the main contender is the financial corporation "Otkritie". In addition to her, MDM-Bank, Promsvyazbank and B&N Bank are interested in this issue. The state, represented by the Deposit Insurance Agency, will spend about 30 billion rubles on the rehabilitation procedure of one of the largest banks in Russia in terms of the number of reported assets.

Since the bank reorganization procedure is not a pre-bankruptcy indicator of its state, but, on the contrary, an attempt to return the enterprise to normal work, the NB "Trust" will operate in a standard mode for the period of the reorganization measures. All deposits that were previously made by consumers will be returned on time and at the rate on which they were made. It should be said that due to earlier revocations of licenses from banks, as well as thanks to, many depositors decided to withdraw their funds. This behavior caused panic, as a result of which the position of the bank, and with it, and its clients, significantly deteriorated. An attempt not only to withdraw their deposits, but also to carry out speculative operations, first of all hits the very consumers-clients of the bank. At the "Trust" bank today you can see huge queues of people who want to withdraw their money. In order to have great chances to get back their hard-earned money as soon as possible, depositors take the queue from 6 o'clock in the morning.

Since the Bank "Trust" has a decision of the Central Bank of Russia to reorganize and a competition is being held to determine an investor, then depositors should not be afraid for their funds in this bank. If panic will continue to prevail in the circles of clients of this credit institution, then the sanitation measures will no longer help. It is worth remembering that, like any other bank, the "Trust" bank has insured deposits up to 700 thousand rubles. This means that its owner will definitely receive his money, even if the license of the National Bank of Trust Bank is revoked.

Thus, if you are a depositor of NB "Trust", then you are advised to keep calm in the first place. If the amount of savings invested in the bank is more than 700,000 rubles, then you can terminate the relationship with the bank and divide the deposit into several parts up to the "threshold" of the insured deposit, but at the moment it is not recommended to do this, so as not to sow panic and aggravate your own situation.

Bank Trust: latest news, video:

News in the media that the license of another bank has been revoked has become regular. Not only small financial organizations lose their licenses, but also large banking structures.

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This information also affected the Trust Bank. The history of the National Bank began in 1995. Previously it was called Menatep St. Petersburg. The year of default 1998 became a crisis for Menatep as well. The Moscow branch was declared bankrupt.

As a result, this led to the fact that the assets of Menatep St. Petersburg were merged with the receivers. The result of the merger in 2005 was the National Bank Trust. The bank's problems began in 2014. In December, he announced that rates were being raised on all deposits. Not many took this as a signal of the beginning of difficulties.

But on December 17, 2014, a banking organization announced that those who want to withdraw currency need to order it in advance. On December 22, news appears that the bank's rating has been downgraded due to insufficient fixed capital. Today, many citizens, especially depositors of the Trust, are worried about the situation with the bank.

News about changes

According to the latest news, the Trust will start working as a non-core asset fund in 2020, in April. The volume of these assets has not yet been established. It is known that they will be formed according to the sectoral principle. The fund must operate with direct investment for at least three years. In this case, the Central Bank will be its owner.

On May 7, the media reported that one of the co-owners of the Trust, Nikolai Fetisov, was declared bankrupt by the Moscow Arbitration Court.

Planned actions

The Central Bank decided to make the Trust a fund for draining non-core debts; it will take problem assets from banks on the list. As soon as a bad debt bank is created on the basis of the Trust Bank, it will not be able to continue its work.

The credit institution will become a direct investment fund. She will have to take all the troubled assets from a number of banks. First of all, it will be Promsvyazbank, then Avtovazbank and Rost Bank. This will include assets after the merger of Otkrytie and B&N Bank.

After the asset transfer procedure, the financial institution will be credited by the Central Bank. Then, according to the plan, large-scale work on debt recovery should begin. In total, the Central Bank plans to achieve a return of more than 60% of the invested funds.

All cleared assets will be directed to the joint organization of FC Otkritie and B&N Bank. The Trust itself will be deprived of its license, that is, it will no longer be able to continue banking activities. At the end of the year, it will become a private equity fund.

Already in the second quarter of 2020, it is planned to start working with a bank with bad debts. But the deputy chairman of the Central Bank did not exactly answer the media about the ways in which it is planned to return 60% of the funds.

New schemes and difficulties

The approved action plan of the Central Bank in relation to the Trust Bank is aimed at preventing the bankruptcy of a financial institution. At the same time, measures are being taken to rehabilitate Rost Bank JSC. New rehabilitation schemes involve the Central Bank as an investor.

As of July 1, 2017, the Trust had obligations under two agreements. The money was provided by the Deposit Insurance Agency. One loan is 28 billion rubles, the second - 100 billion. All funds were provided as part of the reorganization.

The attraction of the Banking Sector Consolidation Fund for the financial recovery of the two above-mentioned banks will speed up the process of merging B&N Bank and FC Otkritie, which was announced back in February 2020. This merging process can take anywhere from nine to twelve months. At the same time, B&N Bank will lose its brand.

Bank Trust will close or not

Investors are primarily interested in the latest news, as the license was revoked from the Trust bank. National Bank Trust has always been considered a large financial institution with a large number of branches.

The Trust announced its problems to the Central Bank in 2014. He asked for help in providing material support. The central bank, in turn, began to take measures to strengthen the organization's monetary value. It was during this period that Otkritie Financial Corporation Bank was chosen as an investor and supervisory authority.

Since 2015, Trust and Discovery began to exist together. The trust represented one of the most powerful lending institutions in the banking business. He focuses on working with small and medium-sized businesses, private clients. In terms of the volume of its savings, it ranks 26th among Russian banks.

At the moment, the bank's license has not been revoked, it works in the same mode. But in the direction of the Trust, there are accusations that it deliberately carries out the withdrawal of monetary assets. This may be due to the fact that the bank was investing in projects that actually did not bring any profit.

What should depositors count on

The banking system crisis hits depositors the hardest. The central bank is reassuring citizens who have opened deposits at the Trust Bank. He says that the reorganization of a credit institution does not mean its closure.

But no one denies the bank's problems:

• Central Bank analysts and specialists say that the Trust's financial assets are 60 billion less than it claims in its reports.
• The bank has made a big bet on consumer loans. However, all the risks were not calculated. During the economic crisis, the percentage of non-repayment under loan agreements increased significantly.
• The trust was heavily indebted in foreign currency, which created a new problem with a sharp rise in the exchange rate.

The difficult situation at the bank lasted for several years. But at first they could keep afloat at the expense of the population's deposits. But in the past few years, people have become less likely to leave money for storage in banks. And this applies not only to the Trust, but also to all Russian credit institutions.

Bank reorganization does not apply to pre-bankruptcy states. During the event period, it will work as usual. All deposits will keep their interest, in accordance with the concluded agreement. The return of deposits must also be carried out on time.

Panic among depositors, who are trying to withdraw their deposits ahead of time, worsens the bank's position.

Bank customers should remember that all deposits up to 700 thousand are insured. This means that even if the reorganization does not help, and the bank is forced to revoke the license, all funds will be returned to depositors.

Prerequisites and results

Since 1995, Bank Trust, with the support of Gazprom, has held a leading position in the banking business. He actively increased his capital. But in 2010, the Trust begins to throw off non-core assets, branches in the regions are closed, the staff is reduced. The reputation of the organization begins to go down rapidly, leading managers go to other banks.

The reasons for the problems are as follows:

• increase in the key rate of the Central Bank;
• active outflow of household deposits;
• false reports on the financial condition of the company.

In 2014, the Trust announced that it was increasing interest on deposits. This was a tempting offer, as banks rarely go to such an action. But soon there was information that the bank was not able to pay money to depositors.

The question immediately arose whether to revoke the license or try to revive it. As the Trust is one of the largest banks, its closure will hit the entire banking structure. Therefore, it was decided to revive him.

Banks are increasingly faced with situations where people, for one reason or another, cannot repay a loan on time. And Bank Trust is no exception. First, let's remember what cards the bank provides:

1. Debit card - a card on which you can store your own savings. Those who have such a card pay a certain amount monthly for the service of the card.
2. For payments (usually social or pension), the same functions have been created as for a debit card, only the service is based on benefits.
3. A credit card is a card that has a certain credit limit, this credit is short-term. If personal funds are stored on the card, then no interest will be charged for their use.

What is a bank loan in general?

This is an agreement between the two parties - between the client and the bank, which is supported by a voluntary legal relationship. When a contract is concluded, both parties are obliged to comply with all the rules and regulations prescribed in it. The basic rule is that the bank agrees to provide the client with a loan, and he, in turn, undertakes to return the loan funds to the bank on time with an interest payment for the use of bank money.

What happens after the bank and the client have entered into this very agreement

Everything seems to be clear and understandable, no additional questions arise. But life is unpredictable. In the case when force majeure occurs, and the borrower can no longer fully return the loan money, the question arises: how can you not pay the loan to the Trust bank? And if you do so, then what will it be? It is difficult to find a definite answer. Let's figure it out in order.

How is the situation at Trust Bank today?

At the moment, the bank provides for use only debit cards, and in Ukraine - all three types. The maturity of the loan rate varies from 30 to 55 days - depending on the conditions of the card you are using. If you did not manage to pay during this period, then the return of bank money occurs partially along with the interest for their use.

If the client violates the loan repayment period, then he is charged a fine. When he pays it, then only interest is withdrawn, the balance of the loan remains the same. In case of prolonged non-payment of credit money, the bank blocks the available use of bank money. In the event that this continues for some time, then the bank takes the case to court or applies for services to a collection company.

At the same time, everyone knows that four years ago, problems appeared in the Trust, due to which the bank reduced the number of banking products provided. But after a while, the situation in the bank recovered, and clients can continue to repay their loans again. If, after urgent calls from the operator, the client does not return the bank money, then the Trust turns to the collectors.

Collectors act as follows: they declare that after the "fall" of the bank they bought your debt from him, so now they need to pay. Be careful, this is illegal! The client is obliged to return the debt to the one from whom he took it. Don't get fooled by tricks. In addition, it would not hurt to warn your relatives and friends about competent behavior in such situations.

What really happens

Of course, you need to pay a loan if you have the opportunity. But in reality, the bank is suing the client in order to oblige him to pay only for a large loan. Since most loans are small and medium-sized, in fact, such situations are very rare.

If the return of bank money will not come for some reason, then get ready for the fact that there will be strong psychological pressure not only on you, but also on your relatives. If for the sake of repayment of the loan you give the last kopeck and expect the bank to meet halfway, then this is not so. Although the situation may be different. What is meant?

The court is far from always completely on the side of the bank, therefore, we will consider the most common cases of how cases unfold in the courts:

1. Arrangement with the bank within the walls of the court.
2. Help of a lawyer.
3. Independent struggle.

Case 1. You can agree with the bank. Very often the case unfolds as follows.

The client took a loan from the bank for 10,000 rubles, for some reason he did not pay it for a long time, during this time interest and fines came up in the amount of 50,000 rubles. Then the bank sues. A client and a bank representative are invited to the court. The case lasts more than one day. The bank also has no desire to spend a lot of time with just one client. Therefore, the agreement may look like this: the bank makes a condition that if you pay 10,000 rubles. within three months in equal parts, then the rest of the loan is forgiven to you.

Case 2. Seek help from a good lawyer. It often happens that the bank overestimates the interest rate and charges much more than what was specified in the agreement, especially for credit limits. You can appeal in court because the borrower has disabled parents, minor children, and persons in care.

In court, no one will recalculate the amounts, therefore the only salvation for the illegal accrual of fines is the client's independent calculation of all fines and interest. Often and densely it turns out that the bank overstates the amount. However, the client should not forget that the services of a lawyer in such cases are not cheap, so it makes sense to contact them only if the amount of debt is large.

Situation 3. Fight on your own. The client can request a statement of the account movement from the bank. And if the amount of fines is higher than half of the loan, then these actions are illegal. In addition, if the bank requires much more money than the losses it incurred due to the untimely paid loan, then these figures can be appealed and reduced. There are times when the court is ready to halve the amount owed if the client's income is too small to pay the full amount.

Thus, if you have already decided to apply to the bank for credit money, then be prepared for the fact that the overpayment will be rather big. And if you are not sure about the stability of earnings, then it is better not to contact banks. In any case, everything must be done according to the law.

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