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The Russians were explained in what cases the bank can take their money

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THIS MESSAGE (MATERIAL) IS CREATED AND (OR) DISTRIBUTED BY A FOREIGN MASS MEDIA PERFORMING THE FUNCTIONS OF A FOREIGN AGENT AND (OR) A RUSSIAN LEGAL ENTITY PERFORMING THE FUNCTIONS OF A FOREIGN AGENT.

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Freezing an account or a part of the amount on it is an atypical phenomenon, but it does occur. The bank has a number of legal grounds for this, Associate Professor of the Department of Finance for Sustainable Development of the PRUE. G.V. Plekhanov Maria Ermilova.

According to her, we can, for example, talk about a situation where a bank client constantly receives amounts from various individuals and legal entities to his account. At the same time, it does not fix the amounts received as income from entrepreneurial activity in any way or does not clarify the source of funds in any other way.

“In this case, the bank can freeze the account and request the source of the money, motivating its actions by the fact that it is suspicious, and whether it is about illegal entrepreneurial activity,” the expert said.

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However, she noted, it cannot be said that this is a mass phenomenon. More often, the bank freezes debts – according to a court decision and on the basis of enforcement proceedings. This, for example, debt on alimony, housing and communal services and loans.

In some cases, Yermilova added, the bank itself can withdraw funds without waiting for a court case, if this is provided for by an agreement between it and the client, for example, for servicing an account or to compensate for debt on other products.

We also recall that Timur Sokolov, Head of the Department of Judicial Systems and Criminal Law at the HSE Faculty of Law, told who can legally withdraw money from someone else’s card. So, according to him, using the cards of a spouse or close relative for purchases or withdrawing cash is a quite common practice, and subject to certain conditions, this is not a violation of the law.

Source: Rosbalt

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