U-Anton wayenenkinga - isihlahla sawela emotweni yakhe. Inkampani yomshuwalense yenqabile ukunxephezela ngomonakalo, okushukumisela ukuthi lesi sihlahla saphawulwa njengesimo esiphuthumayo, futhi u-Anton wabeka amabomu emotweni ngaphansi kwawo. Ukusekelwa - kusho ukulahlekelwa izinyanga ezimbalwa, futhi usadinga ukuthola imali kummeli, futhi uthengise ilungelo lokufunwa yi-Abyarest - ukulahlekelwa yimali ngokwakho. Kepha kusukela ngoJuni 1, 2019, ungaqhubeka lula - ukufuna usizo ku-Ombudsman yezezimali, okuzocubungula leli cala futhi uzonquma ngezinsuku eziyi-15. Futhi kusukela ngo-2021, amathuba okuvikela amalungelo abo ngosizo lwe-Ombudsman aba ebanzi kakhulu.
Ombudsman wezezimali, noma i-Ombudsman Yezezimali, ubandakanyeka ekuxazululeni kwangaphambi kokucala kwezingxabano zabantu abanezinhlangano zezimali. Ukuze uthole usizo, izakhamizi ezashayisana nokwephulwa kwamalungelo abo emkhakheni wezezimali, kanye nabamele abasemthethweni abavikela izintshisekelo zabo engxabanweni nesikhungo sezimali singasetshenziswa kukho. Hlanganisa ngokushesha ukuthi i-Ombudsman ayisamukeli isikhalazo ngosomabhizinisi abancane noma abamele abanye ibhizinisi.
Ngokomthetho, isinqumo sikaFinnobudsman sinamandla asemthethweni asemthethweni futhi kufanele abulawe kahle, kanye nesinqumo senkantolo.
Kubalulekile ukuthi i-Finnudsman ibheka kuphela impahla nezingxabano zezimali. Kungaba ukwephula umthetho lapho isakhamuzi singakhokhi nhlobo noma imali ekhokhelwa. Kanye nesimo lapho inkampani ithatha inani elivela kwiklayenti ngaphezulu kwalokho ayenalo. Isibonelo, obolekayo useshintshe imibandela futhi waphakamisa izinga lenzalo ngaphandle kokuxhumana nomkhokhi. Ngenxa yalokho, obolekayo wenza inani lokukhokha ngaphezu komthetho. Noma ama-MFIs aqoqe isamba somncintiswano kanye nesinxephezelo senhlawulo esingaphezu kwemithetho yaseRussia enikezela (ngokwesibonelo, ama-microloloans atholakale ngo-2020, umthamo wazo zonke izijeziso akwazi ukwedlula inani lesikweletu sokuqala esingaphezu kwezikhathi eziyi-1.5). Isikhwama sempesheni esingenzi nzuzo sibalwe ngokungalungile kwiKhomishini eyenziwe. Noma umshuwalense wenqabile ukukhokha inani lomshuwalense noma abeke inani lesinxephezelo, esingahambisani nemigomo yenkontileka yomshuwalense. Izimo lapho kungenzeki ukuvumelana ne-finorganization yendlela enokuthula, isethi. Lokhu kuza nje ku-Aid Financial Egunyazwe.
Kodwa-ke, kunezimo ezinjalo lapho iFinnubudsman izokwenqaba ukusiza: Uma kwenzeka kuthola ukunxeshezela ukulimala kokuziphatha noma izinzuzo eziphuthelwe, inani lezimangalo lingasebenzi ku-CTP. Noma icala libhekwa yinkantolo noma isinqumo senkantolo selikhishwe.
UKhomishani wezezimali uzoxosha uhlelo lokusebenza, uma isakhamuzi singazange sinxuse inkampani etholwa yinkonzo yezezimali futhi ayinakho ukuqinisekiswa okubhaliwe kwesikhalazo. I-Ombudsman ngeke ibheke ngokushesha le cala, eselenze isinqumo. Isiphetho esifanayo sizoqonda isitatimende lapho elinye lamaqembu asezinhlelweni zokubona ama-barkrupt noma selivele limemezelwe ukugcwala, noma inkampani yezezimali ihoxisiwe yilayisense yemisebenzi.
Amandla we-Ombudsman afaka izingxabano nezinkampani zomshuwalense (izingqinamba zazo zonke izinhlobo zomshuwalense, ngaphandle kwazo zonke izinhlangano zezempilo), izinhlangano ze-microfinance (ama-MFIS), kusukela ngoJanuwari 1, i-NPF) , ama-pawnshops nama cooperatives abathengi bezikweletu (PDA).
Unjani i-Ombudsman yezezimali? Okokuqala, uzothumela ikhophi yesikhalazo seklayenti enhlanganweni yezezimali enesiphakamiso sokuzimela ngokuzimela impikiswano phakathi kwamaqembu. Uma kwenzeka ukwenqaba kwenhlangano yezezimali, ukuxoxisana, ukuyekethisa, ukhomishani ubheka leli cala futhi wenza isinqumo.
Uma i-Ombudsman iba yingxenye yenhlangano yezezimali, lapho-ke nokwenqaba kuqondisa ikhasimende incazelo yesinqumo sakhe. Uma icala lixazululwa ekuzuzeni kwakho iklayenti, i-Ombudsman isungula isikhathi lapho inhlangano yezezimali ibophezela khona ukufeza isinqumo sayo. Le nkathi ingahlukahluka kubasebenzi abayi-10 kuye kwezinsuku zekhalenda ezingama-30 kusukela lapho isinqumo siqala ukusebenza.
Uma inhlangano yezezimali ingasinaki isinqumo se-Ombudsman futhi ayizange isiyifeze ngesikhathi esifanele, isakhamuzi singaphinde sikhange kuKhomishani ngesitifiketi esikhethekile, esibe sesinikezwa izikhonzi zebheyili. Ngokusekelwe esitifiketini, umsizi wesikhonzi senkantolo uzophoqa inkampani ukuthi ifeze inkampani ye-Ombudsman futhi isisulu sizothola imali yakhe.
Uma kunokungabaza uma ingxabano yakho ingaphakathi kwekhono lezezimali eligunyaziwe, kunconywa ukugcwalisa ifomu elikhethekile kuwebhusayithi esemthethweni yewebhusayithi egunyaziwe ye-www.FinARMEL ye-.ru ukubheka ukuthi kungenzeka ukuxazulula impikiswano.
Isikhalazo singaqondiswa zombili nge-imeyili ejwayelekile naku-inthanethi. Ngokushesha nangokufanelekile ukuyithumela nge-akhawunti yakho kusayithi www.finomudsman.ru. Izinsuku ezintathu ngemuva kokusetshenziswa kohlelo lokusebenza ehhovisi le-Ombudsman yezezimali, i-Ombudsman izophendula uma yamukela isimangalo sakho sokucatshangelwa noma cha.
Abaningi mhlawumbe banentshisekelo ngombuzo wokuthi lungamali lungakanani usizo lwe-Ombudsman. Ngakho-ke, kumakhasimende ezinhlangano zezimali, izinsizakalo ze-Ombudsman zikhululekile. Kodwa-ke, iklayenti lingaphinde liguqukele ezinkonzweni zomlamuli (ngokwesibonelo, i-autolariarist). Kulokhu, kuzodingeka ukuthi ukhokhe ama-ruble ayizinkulungwane eziyi-15 ukuze acatshangelwe.
UKhomishani unquma ngokushesha - njengomthetho, ngezinsuku eziyi-15 zebhizinisi. Ubheka izingcingo ezivela ku-Interices Twichear isikhathi eside - kungakapheli izinsuku ezingama-30 zebhizinisi.
Kulesi simo, kungcono kakhulu ukubhekana nenqubo bese uthumela isikhalazo. Ngaphezu kwalokho, noma ngabe wenza iphutha, i-Financial Ombant Authority izokhombisa futhi inikeze izincomo, ukuthi ingaletha kanjani amadokhumenti ngokuhambisana nazo zonke izidingo.
Futhi siphinde sikukhumbuze ukuthi ungaqondisa imibuzo yakho ebhokisini [email protected], futhi unikeze izihloko ezintsha zokukhanyisa esihlokweni sethu.
Futhi uma amalungelo akho ekhasimende ephulwa manje esephuliwe manje, ungaxhumana nebhange le-inthanethi laseRussia kwi-Link CBR.Ru/Recuoupppppy, kanye nocingo 8 800 300 30 00, +7 no-300 (nge Izingcingo ezinamaselula).