Nadra Bank went on an unprecedented violation of the rights of their clients and disclose confidential information about the problem borrowers. Referring to President Viktor Yushchenko's decree number 813 of 8 October, the bank announced on its website lists 42 thousand borrowers - individuals, small and medium businesses, corporate clients - in arrears. Establishment disclosed the names and organizational-legal form of companies, as well as the names and patronymic names of their clients.
It should be noted that the text of the decree is no requirement or permission to banks, which includes a temporary administration, to make such information public. According to the document, the banks may establish registries of unscrupulous borrowers and weekly to inform the public about the stabilization of the situation in the institutions. Intention to oblige the National Bank to publish lists of unreliable borrowers, Mr Yushchenko said only orally at the meeting on October 7 with the borrowers and the leaders of the bank Nadra and Ukrprombank.
Total debt of borrowers to the bank Nadra is 8.5 billion UAH, out of which 6.4 billion UAH to corporate customers, 658 million UAH - small and medium businesses, 1.5 billion UAH - population. In the list of debtors Nadra were 283 companies, 106 of which the bank is connected with various business groups.
largest number of debtors was in a group Ilya Segal (22 companies), which market participants previously known as co-owner of the bank Nadra, and in the group Continuum by Igor Eremeev (11). Debts owed to the bank on October 1, also had the JSC Tolimán LTD Vadim Alperin (assumed owner of the ship Faina); NWP Quadro (trade in oilseeds) Oleg Grinko, LLC Granite Quarry and TD Demidov Quarry , incoming the group of Vladimir Galitsky (head of the State Employment Service) and Vladimir Maystrishina (Member of the Verkhovna Rada of IV convocation), an exporter of grains and oilseeds LLC Rudis' Group Vitaly Babic, ZAO Rise Agrarian Party Vitaly Tsehmistrenko, LLC Free Wind co-owner of the trade Center Metrograd Mstislav Skorobogatova. The press service of Nadra was unable to say 6.4 billion UAH to all 283 company or enterprise that is the worst debtors.
Art. 60 of the Law On banks and banking activity refers to the Bank Secrecy Act information on the legal structure of the legal person, the customer's bank and its commercial activities. Therefore, disclosure of the lists is a direct violation of, say lawyers. Banks can exchange such information with each other, creating an inventory of the creditors, but to call names of people reported that they had signed a contract with the bank and have outstanding obligations, is to violate the banking secrecy, - said the honorary president of the law firm Jurimex Danil Getmantsev .- This is a criminal offense, and the borrower may apply to the prosecutor to initiate a criminal case against the bank.
Some borrowers are already considering the possibility of filing a claim. We are in negotiations to restructure the debt. Let us think of the lawsuit and the bank, - the chairman of the board of directors Corvette Victor Lumpy. Other borrowers are surprised to learn about your appearance in the list of debtors. The bank did not inform us about this list. We are working with them since 2002 and during that time drew loans at $ 10 million - said the financial director of the group of companies Vinnifrut (juice producer) Leonid Bezruchko .- 97% of the debt we returned, it remains $ 350 thousand We are not a major debtor to get to the black list.
Some clients do not refuse repayment of debts. In Chernigov fabricated construction materials reported that they negotiate the restructuring of three loans totaling more than 7 million euros. Tomorrow I will sign the loan restructuring, and clarifying its worth, - said the director of Quad Oleg Grinko. Nadra credited the several companies of our group, we pay interest and lead a discussion on the extension of credit, - said director of economics and finance group of companies Terra Food Denis Gaydak .- The Bank insisted on collateral, but we believe that we can pay loans.
According to the president Unitrade Group (owned shops City.com) Vladimir Kolodyuk, in 2008, LTD CITIC took out a loan to Nadra, but after the raider attacks Bank made inaccessible to him information about the Company's debts. Now the bank demands repayment of a loan from us, not recognizing the owner of this legal entity. Instead of a dialogue with the bank we have a monologue, which passed the phase of outright intimidation - says Mr. Kolodiuk .- The publication of lists of debtors, grouped in the business group -- flagrant violation of the law! And after we will refund a corporate right to LLC, we will ask the court to evaluate the bank's actions.
Elena Gubar
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