Banks have opened “hunting” for large debtors-bankrupts


MOSCOW, November 2. /Corr. Natalia Starostina/. Since the entry into force of the law on bankruptcy of natural persons a month has passed. The first victims of bankruptcy was business guarantors on corporate loans of his companies owed the banks millions and billions of rubles, not foreign currency mortgage borrowers or the owners of the many credit cards, experts predicted.

Bankrupt celebrities

In the first days after the law comes into force, notice of a possible bankruptcy has received quite famous people: founder fruit company JFC Vladimir Kekhman, who also heads the Novosibirsk Opera and ballet theatre and former Senator from the Altai Republic and father of the famous singer Alsou Safin Ralif. In addition to a claim bankrostva received and the former owner of Cherkizovsky market, the head of the group ” AST ” Telman Ismailov.

All these people acted directly or indirectly as guarantors for loans, which took in the banks belonging to their company.

The claim about bankruptcy of Vladimir Kekhman filed a savings Bank. The businessman owes the Bank more than 4.5 billion rubles as loans received the company JFC, bankrupt in 2012.

Bank “Zenith”, owned by oil company Tatneft, filed for bankruptcy on Ralif Safin. His development company “Marr capital” periodically took out a loan at Zenit for the construction of certain properties.

The Bank of Moscow on 9 October filed a claim for recognition bankrupt businessman Telman Ismailov. Company KBF AST belongs to the group ” AST ” Telman Ismailov, owed the Bank of Moscow to 213.3 million dollars.

According to the statement of banks

In addition to borrowers with loud names, to turn to bankruptcy were guarantors of corporate loans and smaller companies. The nationals scored in different banks on several consumer loans or apply for five or six credit cards, while not cause the financial interest to begin to bankrupt them.

Most claims on the bankruptcy of the debtors has prepared the state-owned banks. As told in the press service of the savings Bank, in October the Bank submitted to the courts of more than 140 statements of citizens totaling over 17 billion rubles. They were mostly bankruptcy of guarantors for loans to legal entities, the Bank noted.

However, Sberbank added that he had filed a bankruptcy petition borrowers on mortgage loans and borrowers, provided the other liquid deposits.

VTB24 took the October 20 debtors in troubled loan transactions for the six debtors arbitration courts have already instituted proceedings on the bankruptcy. The total amount of their indebtedness to the Bank amounted to 3.5 million rubles.

The Bank “URALSIB” has filed for bankruptcy just two statements on its regional borrowers, who owed him 50 million rubles, and Raiffeisenbank – one for bankruptcy. All applications filed by banks on corporate loans for which the debtors are guarantors.

Personal initiatives of citizens

But not only banks took advantage of the bankruptcy law. Borrowers also began to prepare for bankruptcy. As told in the press service of the Bank VTB24, in October the Bank had information about 71 the debtor who benefited from the new law, and in October filed for bankruptcy. The borrowers of different regions of the country, each of which has multiple loan obligations, on the average on 2 – 3 credits (mainly cash loans and credit cards with a relatively small amount of debt), the Bank said, noting that the debtors ‘ mortgage obligations, including currency, is not among them.

Sberbank has not yet reported how many of their borrowers decide to file for private bankruptcy. “Since the rules of bankruptcy of citizens entered into force only on 1 October 2015, the first meeting on submitted in October 2015 the statements on the recognition of bankruptcy of citizens – debtors of the savings Bank to be held in the coming weeks. You can then analyze the information about such cases and make preliminary conclusions”, – said the representative of the savings Bank.

In turn, the Bank “URALSIB” has informed that ten of his sureties corporate loans has filed for bankruptcy. Their total debt to the Bank is 540 million rubles.

“All applications filed in the regions, in Moscow and the Moscow region. Common cause the filing of all such statements is seen the desire to shirk their obligations to the Bank,” – said the head of the chief Executive Directorate of corporate governance and legal support of the Bank “URALSIB” Nina Semin.

Bankruptcy without hassle

Other credit institutions are in no hurry to bankrupt borrowers. In ROSBANK, Svyaz-Bank, Absolut Bank, credit Bank of Moscow /ICD/, SMP Bank reported that it had not filed any statement for bankruptcy of their debtors.

“In the near future we do not plan to resort to filing for bankruptcy, because we focus our attention on the qualitative organization of pre-work with overdue debts”, – said the Director of Department of retail business MKB Alexander Shornikov.

According to him, the retail debtors priority remains the judicial action proceeding.

“The degree of efficiency of procedure of bankruptcy of physical persons can be quantified will be known when the outcomes of cases and the degree of satisfaction of requirements of creditors in these cases,” says Vice – President of SMP Bank Irina Danilina, noting that while there are no such results.

According to the Director of the Department on work with troubled assets of Sviaz-Bank Sergey Akinina, it is hoped that the institution of “consumer bankruptcy” to cope with the tasks to get rid of debts bona fide citizens in one process by providing to pay to the creditors their possessions, and will contribute to the effective recovery of debts from creditors of incorrigible debtors-physical persons.