U-Anton wayenentlekele - umthi wawela emotweni yakhe. Inkampani yeinshurensi yala ukuhlawula umonakalo, ishukumisela le nto yokuba umthi uqatshelwe njengengxamiseko, kwaye uAnton wabeka ngemoto ngabom phantsi kwayo. Inkxaso-kuthetha ukuphulukana neenyanga ezimbalwa, kwaye kusafuneka ufumane imali kwigqwetha, kwaye uthengise ilungelo lokufumana imfuneko ye-abyarest-ukulahleka kwemali ngokwakho. Kodwa ukusuka nge-1 kaJuni, 2019, unokuqhubeka lula - ukufuna uncedo kwi-Ombudsman yezemali, eya kuthi ithathele ingqalelo eli tyala kwaye iya kuthatha isigqibo ngeentsuku ezili-15. Kwaye ukusuka kwi-2021, amathuba okukhusela amalungelo abo ngoncedo lwe-Ombudsman laba banzi kakhulu.
I-Ombudsman yezezimali, okanye i-Ombudsman yezemali, ibandakanyeka kwityala langaphambili leembambano zabantu abahlukeneyo kwimibutho yezemali. Ngoncedo, abemi abaye baqulunqa ngokuphulwa kwamalungelo abo kwicandelo lezemali, kunye nabameli bezemali abakhusela umdla wabo kwimbambano ngeziko lezemali linokusetyenziswa kuyo. Nxulumana kwangoko ukuba i-Ombudsman ayisamkeli isikhalazo esivela koosomashishini abancinci okanye abameli belinye ishishini.
Ngokutsho komthetho, isigqibo se-binnobudsman sinamandla asemthethweni asemthethweni kwaye kufuneka sibulawe ngokungqongqo, kunye nesigqibo senkundla.
Kubalulekile ukuba uMennubudsman uthathela impahla kuphela kunye neengxabano zemali. Isenokuba kukwaphula umthetho xa ummi engabhatali kwaphela okanye engaphantsi kwemali. Ngokunjalo nemeko xa iNkampani ithathe inani kumthengi ngaphezulu kunokuba kwakufuneka. Umzekelo, umbolekisi utshintshile iimeko kwaye waphakamisa izinga lenzala ngaphandle kokulungelelaniswa nomhlawuleli. Ngenxa yoko, obolekayo wenza isixa sentlawulo ngaphezulu komthetho. Okanye i-MFIS iqokelelwe isixa semali yokhuphiswano kunye nembuyekezo yesohlwayo ngaphezulu komthetho waseRussia obonelela (umzekelo, iintsholongwane ezifunyenwe kwi-2020, ivolumu yazo zonke iipesenti zingenakudlula kwixabiso letyala elingaphezulu kwe-1.5. Ingxowa-mali yePenshoni engajonganga kakuhle ibalile iKhomishini eyenziweyo. Okanye i-inshurensi yenqaba ukuhlawula imali yeinshurensi okanye iseti ubungakanani bembuyekezo, engahambelani nemigqaliselo yemvumelwano yeinshurensi. Iimeko xa ingenzeki ukuba uvumelane nokulungiswa kwendlela yoxolo, iseti. Oku kukuza nje kuncedo lwemali olugunyazisiweyo.
Nangona kunjalo, kukho iimeko ezinjalo apho umntu waseFinnubudsman angavumi ukunceda: ukuba iza kwimbuyekezo yokubekisa isimilo okanye izibonelelo eziphosiweyo, inani lamabango alikho i-ruble kwaye umbuzo awusebenzi kwi-CTP. Okanye imeko ithathwa yinkundla okanye isigqibo senkundla sele sikhutshiwe.
Umkomishinara wezeMali uya kugxotha isicelo, ukuba ummi akabangela umdla kwinkampani leyo ifunyenwe yinkonzo yezemali kwaye ayinalo isiqinisekiso esibhaliweyo sesibheno. I-Ombudsman ayizukujonga ngokukhawuleza imeko, esele ithathe isigqibo. Ikamva elifanayo liya kuyiqonda ingxelo olwenziwa kuyo igama elikwinkqubo yokuqonda i-bitrupt okanye sele ibhengeziwe, okanye inkampani yezemali irhoxisiwe ngelayisensi yemisebenzi.
Amagunya e-Ombudsman aquka iimbambano ngeenkampani zeinshurensi (imicimbi yazo zonke iintlobo ze-inshurensi, ngaphandle kwe-inshurensi yezempilo), ukususela nge-1 kaJanuwari (i-MFIS), ukusuka kwingxowa-mali yePensi yePension (NPF) , iipawnshops kunye nentsebenziswano yabathengi ngetyala (PDA).
Injani i-Ombudsman yeMali? Okokuqala, uya kuthumela ikopi yesibheno somthengi kuMbutho wezeMali ngesiphakamiso sokulungisa imbambano phakathi kwamaqela. Kwimeko yokwala umbutho wezemali, thethathethane, ukuba ungcolise, uMkomishinari ujonga ityala kwaye enze isigqibo.
Ukuba i-Ombudsman iba yinxalenye yombutho wezemali, ke kunye nokwaliwa ngokuchasene nomxhasi wesigqibo sakhe. Ukuba imeko iconjululwe kwinzuzo yakho yomthengi, i-Ombudsman iseka ixesha apho uMbutho wezeMali unyanzelekile ukuba uzalisekise isigqibo sayo. Eli xesha linokwahluka kubasebenzi abali-10 ukuya kwiintsuku ezingama-30 zekhalenda ukusuka ngalo mzuzu xa isigqibo siqala ukusebenza.
Ukuba umbutho wezemali wasityeshela isigqibo se-Ombudsman kwaye ayizange iphumeze ngexesha elifanelekileyo, omnye ummi unokuphinda abhenele uMkomishinala wesatifikethi esikhethekileyo, emva koko anikezwe iibhedi. Ngokusekwe kwisatifikethi, i-bailiff iyakunyanzela inkampani ukuba iphumeze isigqibo seOmbudsman kwaye ixhoba liya kufumana imali yakhe.
Ukuba kukho amathandabuzo ukuba imbambano yakho iphakathi kobukho bezemali egunyazisiweyo, kuyacetyiswa ukuba ugcwalise ifom ekhethekileyo kwiwebhusayithi esemthethweni ye-www.finombidsman.ru ukukhangela imbambano.
Isibheno sinokubhekiswa kuzo zombini ngeposi eqhelekileyo kunye ne-Intanethi. Ikhawuleza kwaye ilunge ngakumbi ukuyithumela ngeakhawunti yakho yobuqu kwisaza www.finombidsman.ru. Kwiintsuku ezintathu emva kokusetyenziswa kwesicelo kwi-ofisi ye-Ombudsman yeMali, iOmbudsman iya kuphendula ukuba iyamkela ibango lakho ukuba liqwalaselwe okanye hayi.
Uninzi lunomdla kumbuzo wokuba lungakanani na uncedo lwe-Ombudsman. Ke, kubathengi bemibutho yezemali, iinkonzo ze-Ombudsman zisimahla. Nangona kunjalo, umthengi unokubhenela kwiinkonzo zomlimi (umzekelo, i-anusodolophu). Kule meko, kuya kuba yimfuneko ukuhlawula i-15 ye-ruble ye-ruble ukuze iqwalaselwe.
UMkomishinara uthatha isigqibo ngokukhawuleza - njengommiselo, kwiintsuku ezili-15 zomsebenzi. Uthathela ingqalelo ama-iTlistlies ephinjensi kancinci kancinci-kwiintsuku ezingama-30 zomsebenzi.
Kule meko, kungcono ukujongana nenkqubo kwaye uthumele isikhalazo. Ngapha koko, nokuba wenze impazamo, igunya lezezimali lezemali liya kubonisa kwaye linike iingcebiso, indlela yokuzisa amaxwebhu ngokuhambelana nazo zonke iimfuno.
Kwaye saphinda sakukhumbuza ukuba ungayalela imibuzo yakho kwi-imeyileBobo [email protected], kunye nokunikezela izihloko ezitsha zokukhanyisa kwisikhephe sethu.
Kwaye ukuba amalungelo akho abaThengi weeNkonzo zeMali ayaphulwa ngoku, ungaqhakamshelana ne-ristria ye-intanethi kwikhonkco leCBR.ru/reception, kunye neFowuni 8 800 39 30 00 kunye ne-300 (ye Iifowuni ezineefowuni eziphathwayo).