Banks refuse mobilized credit holidays

Clients of Russian banks drafted into the army as part of partial mobilization, despite assurances from the authorities that they will be granted deferrals on loan payments, are denied benefits locally.

According to Kommersant , the bankers acknowledge the existence of problems, but do not see this as a violation of the law. Representatives of banks, taking advantage of gaps in the legislation, refuse borrowers vacations for formal reasons.

Customers of Sberbank, VTB, Tinkoff-Bank, Alfa-Bank and other credit institutions complain about unlawful refusals to provide holidays. They write that banks either ignore their requests or send hasty refusals to received applications for credit holidays . This is happening despite the fact that the State Duma guaranteed the mobilized and the families of missing fighters the provision of credit holidays.

Some are formally given a deferment, but the payment schedule in their personal account is not changed, which is why “the delay is burning and penalties are dripping”. After the start of mobilization, the State Duma adopted a law on credit holidays, which thousands of families tried to use. However , in reality , far from everyone succeeded in obtaining the benefits guaranteed by law .

Many banks refer to the presence of some " technical problems ", although the bank must make a decision on granting a credit holiday within ten days from the date of application.

Lawyers remind that if a response from the bank is not received within 15 days, then credit holidays are considered granted, however, they admit that the law on holidays is “crude” and contains loopholes for banks that allow them to refuse to provide state benefits to customers.