Asv attracts scandals. Notification of the auction Sale of assets acquired as part of the prevention of bankruptcy of financial institutions

(section "Registration") (see "Publication").
To register and carry out transactions on the electronic platform, applicants must first obtain an electronic signature at one of the Certification Centers *. Lists of Certification Authorities authorized to produce qualified certificates of electronic signature verification keys are given on the websites of electronic platforms in the section "Electronic signature".

Applications for participation in tenders are submitted in electronic form on the websites of electronic platforms, and must be signed with an electronic signature * .
Acceptance of applications for participation in electronic auctions in the form of an auction (competition, auctions through a public offer) shall be terminated within the time period specified in the notice on the conduct of auctions ( see "Publication"), at 14:00 by Moscow time.

Surname, name, patronymic (if any), passport data, information about the applicant's place of residence;

Information about the presence or absence of the applicant's interest in relation to the debtor, creditors, bankruptcy commissioner (liquidator) and the nature of this interest;

10 (Ten)
see "Publication"), v 14:00 by Moscow time.

To participate in the auction, you must register on the website of the electronic platform (section "Registration") specified in the message on the bidding (see "Publication").
To register and carry out transactions on the electronic platform, applicants must first obtain an electronic signature at one of the Certification Centers * ... Lists of Certification Authorities authorized to produce qualified certificates of electronic signature verification keys are given on the websites of electronic platforms in the section "Electronic signature".
If you have any questions during registration, use the registration guide posted on the website of the corresponding electronic platform.

Applications for participation in the auction are submitted in electronic form on the websites of electronic platforms, and must be signed by the electronic signature of the applicant * .
Acceptance of applications for participation in electronic bidding in the form of an auction (tender, bidding by means of a public offer) shall be terminated within the period specified in the notice of bidding (see "Publication"), v 14:00 by Moscow time.

The application for participation in the auction must contain the following information * :

Name, legal form, location, postal address;

Contact phone number, email address;

Information about the presence or absence of the applicant's interest in relation to the debtor, creditors, bankruptcy commissioner (liquidator) and the nature of this interest;

Information about the participation of the bankruptcy commissioner (liquidator) in the applicant's capital.

In the event of a closed auction, a confirmation of the applicant's compliance with the requirements for a trading participant established in accordance with the legislation of the Russian Federation with respect to limited negotiable property and specified in the announcement of the auction must be submitted to the application for participation in the auction.

When holding a tender, the application for participation in the tender must contain the applicant's obligation to comply with the conditions of the tender.

The applicant is obliged, within the time period specified in the notice of the auction, and in accordance with the deposit agreement, to make the deposit on the relevant lot by transferring funds to the account for crediting the advance, specified in the notice of the auction.
The purpose of payment must indicate the name of the financial institution; surname, name, patronymic (if any) of the applicant; the date of the auction, for participation in which a deposit is paid; lot number, participant's personal account number (if any).
The applicant has the right to make a deposit without presenting the agreement on the payment of the deposit signed by him. In this case, the transfer of the deposit by the applicant is deemed to be an acceptance of the deposit agreement posted on the electronic platform.
The deposit for participation in the auction is 10 (Ten) percent of the initial selling price of the lot - for bidding in the form of an auction (tender); from the initial selling price of the lot for the period - for trading through a public offer. The date of making the deposit is the date of receipt of funds to the account specified in the notice of the auction.
Acceptance of advance payments for participation in electronic auctions in the form of an auction (competition, auctions through a public offer) shall be terminated within the period specified in the notice of the auction ( see "Publication"), v 14:00 by Moscow time.
The sums of the deposits made by the applicants are returned to all applicants, except for the winner of the auction, within five working days from the date of signing the protocol on the results of the auction. Refunds are made according to the details specified in the payment order.

Organizer of the auction - State Corporation "Deposit Insurance Agency"

Organizer of the auction - Joint Stock Company "Russian Auction House"

- fill out the form on the Portal by clicking the "Sign up for viewing" button on the lot card you are interested in or by going to the page;
- fill out and send it to the email address [email protected] ;
- by phones 8-800-200-08-05, 8-800-505-80-32.

The property can be viewed at the place of its location / storage on the agreed days and times within the established operating hours upon presentation of the following documents:

- presence of clear signs of alcoholic or drug intoxication in the person arriving for the examination.

* In case of participation in the auction through a representative (including an agent):

The sale of the property of liquidated financial organizations is carried out in accordance with the procedure established by Federal Law No. 127-FZ dated October 26, 2002 "On Insolvency (Bankruptcy)" (hereinafter referred to as the Bankruptcy Law) and Order No. 495 of the Ministry of Economic Development of Russia dated July 23, 2015.

When conducting electronic trading, it is allowed to participate in trading applicant who filed an application in accordance with the established procedure and paid a deposit for participation in the auction.

In accordance with paragraph 11 of Art. 110 Bankruptcy Law application for participation in the auction must comply with the requirements established in accordance with the Bankruptcy Law and specified in the notice of the auction, and must be submitted in the form of an email message.

The application for participation in the auction is drawn up in any form in Russian and must contain the following information specified in the notification of the auction in relation to the applicant :

Name, legal form, location, postal address (for a legal entity);

Surname, name, patronymic, passport data, information about the place of residence (for an individual);

Contact phone number, email address;

Availability or absence information interest of the applicant in relation to the debtor, creditors, bankruptcy administrator (liquidator) and the nature of this interest;

Participation details in the applicant's capital bankruptcy commissioner (liquidator).

According to paragraph 11 of Art. 110 Bankruptcy Law the application must be signed with an electronic signature(hereinafter - EP) applicant.

Thus, to participate in electronic trading the applicant must:

1. Submit an electronic application indicating the information listed above;

2. Sign an electronic application with electronic signature;

3. Ensure the receipt of the deposit within the period specified in the notice of the auction.

No other documents or information is required.

At the same time, in the case of participation in electronic auctions through a representative (including an agent) acting on the basis of a power of attorney or an agreement (including agency), applicant status has and, accordingly, is recognized by the applicant a person, indicated as such in the electronic application to participate in the auction, that is, a person whose full name or name is indicated in the field "information about the applicant" / "information" (the name of the field depends on the form of the electronic application used by the operator of the electronic site).

Thus, in an electronic application as the applicant must be indicated principal (in the case of an agency agreement - the principal); sign this electronic application of its ES (if the appropriate authority is available) is entitled to trustee (in the case of an agency agreement - an agent), that is, a person who has the right to act on behalf of the applicant by power of attorney or on the basis of an agreement (including agency)... In this case, the application must be accompanied by documents confirming the authority of the authorized person (including the agent) to sign his electronic signature application on behalf of the principal (in the case of an agency agreement, the principal).

Considering that the admission of the applicant to participate in the auction is subject to (1) the compliance of the application with the requirements for it, (2) the authenticity and compliance with the requirements of the documents attached to the application (if their presentation is due to the requirements of the law or provided for by the notice of the auction) , (3) confirmation of receipt from the applicant deposit, we draw your attention to the fact that in the event payment of a deposit for the applicant third party the purpose of payment must necessarily indicate Full name or name of the applicant for which the payment was made. Otherwise, the amount of money deposited as a deposit will not be identified.

Thus, in electronic application to bid as applicant a person must be indicated with whom, if determined as the winner of the auction, an agreement will be concluded based on the results of the auction (clauses 16, 19, article 110 of the Bankruptcy Law).

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Sale at auctions held without the use of electronic platforms

At auctions without using the technical means of an electronic platform (trading in non-electronic form), the property of a liquidated financial organization may be sold, in respect of which the law does not establish the obligation to sell it through electronic trading.

In order to increase the transparency of the implementation procedures, the Agency conducts non-electronic tenders for the right to acquire property of liquidated financial organizations, the book value of which as of the last reporting date prior to the date of opening bankruptcy proceedings (introduction of liquidation procedures) is less than 100 thousand rubles.

Non-electronic trades are held in the form of an open auction with an open form for submission of price bids (non-electronic auction). A non-electronic auction is held by the auction organizer on the day, time and place specified in the information message about its holding, posted on the official website of the auction organizer and / or on the official website of the Agency. Persons are allowed to participate in a non-electronic auction, within the terms and in the manner prescribed in the notification of its holding, who have registered for participation in a non-electronic auction.

A non-electronic auction is held to increase the price by the "step of the auction to increase" from the initial sale price, which is set in the message on the conduct of a non-electronic auction. If, during a non-electronic auction, none of the participants expressed a desire to purchase a lot at the current initial price, then the initial price is lowered by the "downward auction step" and the bidding is again held upward from the current initial price. If there are no participants who have expressed a desire to purchase property at the current initial price, the current initial price is successively reduced by the “downward auction step” to the “minimum sale price” specified in the notification of the non-electronic auction.

The right to acquire property belongs to the participant in a non-electronic auction that has offered the highest purchase price for the property, but not lower than the current sale price. In the course of a non-electronic auction, property price offers are announced by the participants in a non-electronic auction openly during the course of the auction.

The decision to determine the winner is made on the day of the non-electronic auction and is drawn up in a protocol on the results of the auction for each lot put up for auction.

Another competitive procedure for the sale of property with a book value of less than 100 thousand rubles, used by the Agency in the course of liquidation procedures, is the sale of such property through an offer to sell it. The offer for the sale of property is published on the official website of the Agency. Within the framework of this competitive procedure, several periods of gradual reduction in the property price are established. Consideration of the received applications for the purchase of property is carried out at the end of each period. Based on the results of their consideration, the person who offered the highest price for the property, but not lower than the sale price established for the relevant period, is determined. In the case of identical offers at a price, the winner of the competitive procedure is the participant who submitted the application earlier than other participants.

Sale of assets acquired as part of the prevention of bankruptcy of financial institutions

The Agency sells assets (property) acquired by the State Corporation "Deposit Insurance Agency" in the implementation of measures to prevent bank bankruptcy (hereinafter - Assets), in the form of the following competitive public procedures:

1) the Agency's proposal to make offers to conclude:

Asset sale and purchase agreement;

Investment agreement in relation to the Asset.

2) public offer of the Agency for the conclusion of contracts for the sale and purchase of the Asset;

3) bidding (in the form of an auction or competition), the subject of which may be:

The right to conclude a contract for the sale and purchase of the Asset;

The right to conclude an investment agreement in relation to the Asset.

Trades are organized directly by the Agency or by an involved organizer of trades and are conducted both with and without the use of an electronic trading platform.

The sale of the Assets is carried out on the basis and in the manner prescribed by the Regulations on the Procedure for the Sale of Assets Acquired by the State Corporation "Deposit Insurance Agency" in the implementation of measures to prevent bank bankruptcy.

Detailed information on the conditions and procedure for the sale of Assets is contained in publications posted on the Agency's official website on the Internet in the section “Sale of property within the framework of rehabilitation procedures”.

Question answer

By phones 8-800-200-08-05, 8-800-505-80-32.

Application status

We will send you confirmation of acceptance of the application by sending a return message to the contact details specified in the Application. The confirmation will include the time, address and contact details of the person responsible for displaying the property.

Where and when is the acquaintance with the property

The property can be viewed at the place of its location / storage on the agreed days and times within the established operating hours upon presentation of the following documents:

- identity document;

- if the person acts on behalf of the person concerned, it is necessary to provide a power of attorney and an identity document.

Property inspection rules

For inspection, only the property that is indicated in the application for inspection is provided, with the right to photograph it and copy the documents of title.

In order to eliminate the risks of damage (spoilage) or destruction of property, familiarization with it is carried out mainly through external (visual) inspection. The performance check of the property is carried out in the presence of an authorized person and in the presence of technical capabilities in the place of its storage, subject to the established safety measures.

The inspection may be refused in the following cases:

Identity and authority documents have not been presented;

No show at the agreed date, place and time;

The presence of clear signs of alcohol or drug intoxication in the person arriving for the examination

How can you get acquainted with the documents in relation to the property of interest?

Answer:

Acquaintance with the documents certifying the right to claim against the debtor is carried out only at the location (storage) of the documents by prior agreement with the organizer of the auction using the contact information specified in the notice of the auction.

All PHOTOS of the property available to the organizer of the auction are posted on the Portal.

If you need to get additional INFORMATION, as well as familiarize yourself with other documents about the property, you can use the "Ask a question" section (implement an active link).

How can I track information about the property I am interested in?

Answer:

Information about the property you are interested in should be tracked using the "My Notepad" section. To do this, you need to add the lot of interest to the specified section (by clicking on the "Add to Notepad" button). In this case, the section "My Notebook" will display not only the list of the lots of interest, but also their actual value and the actual amount of the deposit (if any).

In addition, the "My Notebook" section provides a number of options that will be convenient when tracking information not only on the lots of interest, but also on pre-set parameters:

Establishment of the price of interest at which you are ready to purchase the property, as well as indication of the specified property if the price you offered is higher than the sale price of the lot;

Saving filter conditions (the ability to create individual filters);

Obtaining information about new arrivals according to predefined parameters.

We draw your attention to the fact that in order to use this section, you need to go through the registration procedure on the Portal.

How do I pay the deposit?

Answer:

The payment of the deposit is made according to the details of the Bidding Organizer, specified in the message about the bidding, with the filling in the necessary information in the "Purpose of payment" field. The deposit for participation in the auction is 10 (ten) percent of the initial selling price of the lot at the auction / trading period. If the paid advance was less than 10 (Ten) percent of the initial selling price of the lot at the auction / trading period, the applicant is not allowed to participate in the auction.

The decision to refuse to admit the applicant to participate in the auction is made if:

The application for participation in the auction does not meet the requirements established in accordance with the Federal Law "On Insolvency (Bankruptcy)" and specified in the announcement of the auction;

The documents submitted by the applicant do not meet the established requirements for them or are unreliable;

The receipt of the deposit to the accounts indicated in the notice of the auction was not confirmed as of the date of drawing up the protocol on the determination of the participants in the auction.

All applicants are notified of the results of consideration of the submitted bids for participation in the auction and the recognition or non-recognition of the applicants by the bidders is carried out by sending to the applicants in writing or in the form of an electronic document copies of the protocol on the determination of the bidders within five days from the date of signing the specified protocol.

How to find out the result of the bidding?

Answer:

The decision to determine the winner of the auction is made on the day of summing up the results of the auction and is drawn up in a protocol on the results of the auction. Notification of all bidders about the results of the bidding is carried out by sending them a protocol on the results of bidding in the form of an electronic document no later than the working day following the day of signing such a protocol to the email address specified in the bid for participation in the bidding.

How is an agreement concluded with the winner based on the results of the auction?

Answer:

Within five days from the date of signing the protocol on the results of the auction, the bankruptcy commissioner sends the winner of the auction a proposal to conclude a sale and purchase agreement (cession) with the attachment of the draft of this agreement in accordance with the price proposal submitted by the winner of the auction.

Answer:

The sums of the deposits made by the applicants shall be returned to the applicants, with the exception of the winner of the auction, within five working days from the date of signing the protocol on the results of the auction. Refunds are made according to the details specified in the payment order. To return the deposits transferred without opening an account, applicants who have not been recognized as the winners of the auction must indicate their bank details when submitting an application for participation in the auction.

The Deposit Insurance Agency has laid out for the auction the rights of claim on the debts of more than 6 thousand clients of bankrupt banks. Almost all debts are discounted: somewhere it reaches only a few percent, but you can buy a ten-million-dollar debt for several thousand. As noted in the agency, the borrower himself can buy them: anyone who wishes has the right to participate in the auction.

DIA launched a website similar to Avito.ru at the end of 2015. Through him, the agency sells property left over from liquidated banks: from land plots, shares and apartments to computer mice and office chairs. More than 10 thousand lots in total. The cost of all property exhibited at the site is estimated at 150-200 billion rubles.

The volume of what is being sold is not decreasing: the clearing of the banking sector by the Central Bank brings more and more victims to the DIA. Currently, the agency is liquidating about three hundred banks and three dozen non-state pension funds. Their total assets are 3 trillion rubles. At the same time, the debts of citizens and companies account for two-thirds of the total amount in this share, and the rest is real estate, office and banking equipment, furniture, cars.

Previously, the site was mainly represented by furniture and real estate, and sometimes at quite ridiculous prices. Last year, you could buy a leather sofa for 37 rubles or a glass rack for 25 rubles. True, self-pickup from Sakhalin Island - it was there that the branch of Vneshprombank was located, whose property went under the hammer. Currently, you can buy a computer mouse for 64 rubles or a keyboard for 94 rubles 50 kopecks. True, you will have to follow them to the Stavropol Territory. And you can also buy intellectual property - for example, the logo of the bankrupt AF Bank for 360 rubles.

Now debts have appeared on the site. While we are talking about several thousand debtors. Among them are very different people, but there are also debts of the top management of bankrupt banks. For example, the chairman of the board of the former "Mira-Bank" Tatyana Nikolaeva. Her debt of 30 thousand euros is sold for only 87 thousand rubles.

The DIA's press service did not answer Life's questions about whether this practice will continue and how much of the total debts of individuals will be put up for sale. Collection agencies point out that they are not interested in buying debts on the site.

Professional collectors are not ready to buy all debts. Most of the large collection agencies are technologically tailored for the "conveyor" work with large debt portfolios, - says Boris Voronin, director of the National Association of Collection Agencies. - Not everyone is engaged in individual work with individual debts, especially from private creditors, the cost of such collection is much higher than when working with debt portfolios. In addition, before a purchase, collectors always assess the quality of debts, the possibility of collection. About a third of transactions between banks and collection agencies remain open: recoverers are not ready to buy debt portfolios for which information is insufficiently disclosed, or if the portfolio is generally of poor quality. Most likely, these debts put up for sale are practically hopeless, and therefore are sold for a low cost.

However, they may be of interest to the debtors themselves: the fact is that there is a chance that from next year, which is still inviolable for claimants. It is not difficult to buy debt: anyone can register on the DIA website. To participate in the auction, you need to make a deposit of 10% of its initial cost. In the future, this money will be returned to all the losers.

However, sometimes the debtors themselves from the DIA base, whom Life managed to get through, claim that they are hearing about the debt for the first time. For example, Denis Mayants learned from Life that his debt of 17,480 rubles is being sold on the DIA site for 3146 rubles.

This is a complete surprise for me, ”he says. - Once I took a loan from Metrobank, but long ago I fully repaid it and was sure that there could be no debt in principle. I’ll figure it out and then decide whether to buy it out or act in some other way.

It is much more difficult to buy your debt at a discount from the collection agencies themselves. Although some of them often carry out various actions on discounts and debt restructuring.

It is often easier to negotiate with collectors than with banks, which are concerned about the different requirements of the Central Bank and the problem of reserves. Collectors are more likely to be interested in a quick receipt of cash, albeit in a smaller amount, so debtors should enter into negotiations and try to achieve a profitable deal, says Voronin.

However, some collection agencies have already turned to the FSSP with a request to provide them with the opportunity to sell certain debts at a discount through the FSSP website.

Now we propose, and have already talked on this topic with the director of the bailiff service, to create a buyout scheme through the database system of enforcement proceedings, - says Dmitry Zhdanukhin, general director of the Collection Development Center. - That is, to be able to sell at a discount those debts that have already been adjudicated. Now there is only a button to "pay" the debt without a discount, and anyone can do it for the debtor, even a friend, even an enemy, who will thus redeem the debt and be able to make claims himself. Collection agencies do not just underestimate the possibility of selling individual debts, it will simply cost them too much for paperwork and servicing.

Date: 11.07.2018

State Corporation "Deposit Insurance Agency" (109240, Moscow, Vysotskiy st., 4, e-mail address:) (hereinafter referred to as the Bidding Organizer), which is based on the decision of the Moscow Arbitration Court dated September 21, 2016 No. in case No. А40-148779 / 16-124-252B by the bankruptcy commissioner (liquidator) Limited Liability Company PCRB Bank (PCRB Bank LLC, registration address: 119454, Moscow, Lobachevsky st., 27, INN 7701138419, OGRN 1027739125303 ) (hereinafter referred to as the financial institution), conducts electronic trading in the form of an open auction with a closed form for submitting bids at the purchase price of the property of a financial institution (hereinafter referred to as the Bidding).

The subject of Trading is securities:

(the size of the share in the authorized capital is indicated in brackets) - the initial selling price of the lot

Lot 1 - Shares of JSC "National Bureau of Credit Histories", INN 7703548386, reg. number 1-01-10567-A, face value - 100 rubles, 6 300 pcs. (0.64%), Moscow - 18,699,290.40 rubles.

Detailed information on the composition of the lot of a financial institution can be found on the websites of the Trading Organizer www.torgiasv.ru, as well as in the sections “Liquidation of Banks” and “Sale of Property”.

Bargaining property of a financial institution will be held at 14:00 Moscow time August 27, 2018 www.centerr.ru. If, based on the results of the Bidding scheduled for August 27, 2018, the lot is not sold, then at 14:00 Moscow time October 16, 2018 on the electronic site of LLC "Realization Center" - www.centerr.ru repeated trades an unrealized lot with a decrease in the initial price of the lot by 10 (Ten) percent.

The operator of the electronic site LLC "Realization Center" - www.centerr.ru (hereinafter - the Operator) ensures the Bidding.

The Operator accepts applications and offers on the purchase price of the property of a financial institution for participation in the first Auction starts at 00:00 Moscow time on July 18, 2018, and for participation in repeated Auction starts at 00:00 Moscow time on September 6, 2018 Acceptance of applications for participation in the Auction and advance deposits shall be terminated at 14:00 Moscow time 5 (Five) calendar days prior to the date of the relevant Auction.

On the basis of clause 4 of Art. 139 of the Federal Law No. 127-FZ "On Insolvency (Bankruptcy)", the property of a financial institution not sold at repeated auctions is put up for auction in electronic form through a public offer (hereinafter referred to as the RFP Auction).

PPP Bidding will be held at the electronic site of LLC "Realization Center" - www.centerr.ru from December 4, 2018 to January 22, 2019

Applications for participation in the RFP Auction are accepted by the Operator, starting from 00:00 Moscow time on October 29, 2018. Acceptance of applications for participation in the RFP Auction and advance deposits shall be terminated 5 (Five) calendar days before the end date of the corresponding period for lowering the lot sale price in 14:00 Moscow time.

If there are applications for participation in the RFP Auction, the Bid Organizer determines the winner of the RFP Auction not earlier than 14:00 Moscow time on the first working day following the day of the end of acceptance of applications for the corresponding period of the lot sale price decrease, and not later than 18:00 Moscow time. time of the last day of the corresponding period of decrease in the selling price of the lot.

The Operator ensures the implementation of the RFP Trading.

The initial selling prices for a lot are set as follows:

from December 11, 2018 to December 17, 2018 - in the amount of 98.00% of the initial selling price of the lot;

from December 18, 2018 to December 24, 2018 - in the amount of 96.00% of the initial selling price of the lot;

from December 25, 2018 to December 31, 2018 - in the amount of 94.00% of the initial selling price of the lot;

Individuals and legal entities (hereinafter referred to as the Applicant) registered in accordance with the established procedure on the electronic site of LLC "Center for Realization" - www.centerr.ru, are allowed to participate in the Bidding and Bidding of the PPP. To participate in the Bidding and Bidding RFP, the Applicant submits to the Operator an application for participation in the Bidding (RFP Bidding).

An application for participation in the Bidding (RFP Bidding) must contain: name, organizational and legal form, location, postal address (for a legal entity), last name, first name, patronymic, passport data, information about the place of residence (for an individual), number contact phone number, e-mail address, information about the presence or absence of the Applicant's interest in relation to the debtor, creditors, the liquidator (liquidator) and the nature of this interest, information about the participation of the liquidator (liquidator) in the applicant's capital, a proposal on the price of the property.

To participate in the Bidding (RFP Bidding), the Applicant submits to the Operator in electronic form a deposit agreement signed by the electronic signature of the Applicant. The applicant is obliged, within the time period specified in this message, and in accordance with the deposit agreement to pay the deposit by transferring funds to the account for crediting the deposits of the Organizer of the auction: the payee is the State Corporation "Deposit Insurance Agency", TIN 7708514824, KPP 770901001, settlement account 40503810845250002051 with the Central Administration of the Bank of Russia for the Central Federal District, Moscow 35, BIK 044525000. The purpose of payment must indicate the name of the financial organization , the name of the Applicant, the date of the Bidding (the period of the RFP Bidding), for participation in which a deposit is paid, the lot number. The applicant has the right to send a deposit according to the above details without submitting a signed agreement on the payment of the deposit. In this case, the transfer of the deposit by the Applicant is deemed to be an acceptance of the deposit agreement posted on the electronic platform.

The deposit for participation in the Bidding is 10 (ten) percent of the initial price of the lot. The deposit for participation in the RFP Bidding is 10 (Ten) percent of the initial selling price of the lot for the period. The date of making the deposit is the date of receipt of the funds transferred as a deposit to the account of the Organizer of the auction.

The draft agreement concluded based on the results of the Auction (PPP Auction) (hereinafter referred to as the Agreement) and the deposit agreement can be found on the electronic site of LLC "Realization Center" - www.centerr.ru.

The Applicant has the right to change or withdraw the application for participation in the Bidding (RFP Bidding) no later than the deadline for submitting applications for participation in the Bidding (RFP Bidding), by sending a notification to the Operator.

The organizer of the auction considers the applications submitted by the Applicants to the Operator with the documents attached thereto, establishes the fact of receipt of the deposits to the account of the Organizer of the auction within the period specified in this message, and, based on the results, makes a decision on the admission or refusal of the applicant's admission to participation in the Auction (RFP Auction). Failure to receive the deposit to the account of the Trading Organizer specified in this message, or the receipt of the deposit after the expiration of the period specified in this message, or the receipt of the deposit in an amount less than that established in this message, are grounds for refusing to admit the Applicant to participate in the Trading ( Bidding PPP). Applicants admitted to participation in the Bidding (RFP Bidding) are recognized as participants in the Bidding (RFP Bidding) (hereinafter referred to as the Participants). The Operator sends to all Applicants notifications of their recognition as Participants or of refusal to recognize them as Participants.

If two or more Participants have offered an equal price per lot, but not lower than the initial selling price of the lot, the Participant who has submitted an application for participation in the Auction earlier than other specified Participants is recognized as the Winner.

The results of the Bidding are documented in a protocol on the results of the Bidding on the day of the Bidding. The protocol on the results of the Bidding, approved by the Organizer of the Bidding, is posted on the electronic site of LLC "Center for Implementation" - www.centerr.ru.

Winner of the RFP Bid(hereinafter also referred to as the Winner) is a Participant who has submitted, within the specified time period, an application for participation in the RFP Bidding, containing an offer on the price of the property of a financial organization, but not lower than the initial sale price of the property established for a certain period of the RFP Bidding, in the absence of proposals from other Participants ...

In the event that several Participants submitted bids within the specified time period containing various proposals for the price of the property of a financial institution, but not lower than the initial sale price of the property established for a certain period of the RFP Bidding, the right to purchase the property belongs to the Participant who offered the maximum price for this property.

In the event that several Participants submitted bids within the specified time period containing equal offers for the property price, but not lower than the initial sale price of the property established for a certain period of the RFP Bidding, the right to acquire the property belongs to the Participant who was the first to submit an application for participation within the specified time period. in Bidding RFP.

From the date of determination of the Winner of the RFP Bidding for each lot, the acceptance of applications for the corresponding lot is terminated. The protocol on the results of the Bidding PPP, approved by the Organizer of the Bidding, is posted on the electronic site of LLC "Realization Center" - www.centerr.ru.

Within 5 (Five) days from the date of signing the protocol on the results of the Bidding (RFP Bidding), the Organizer of the Auction shall send the Winner to the e-mail address specified in the application for participation in the Bidding (RFP Bidding) a proposal to conclude an Agreement with a draft Agreement attached.

The Winner is obliged, within 5 (Five) days from the date of sending to his e-mail address specified in the application for participation in the Bidding (RFP Bidding), the proposal to conclude the Agreement and the draft Agreement, to sign the Agreement and no later than 2 (Two) days from the date of signing send it to the Bidding Organizer. The Winner is obliged to immediately notify the Organizer of the Bidding about the fact of signing the Agreement. Failure to sign the Agreement within 5 (Five) days from the date of its sending to the Winner means the Winner's refusal (evasion) to conclude the Agreement. The amount of the deposit made by the Winner is counted towards the price of the purchased lot.

The Winner is obliged to pay the seller within 30 (Thirty) days from the date of conclusion of the Agreement the sale price of the lot determined at the Bidding (RFP Bidding) minus the previously made deposit for the following details: payee - State Corporation "Deposit Insurance Agency", TIN 7708514824, KPP 770901001, settlement account 40503810145250003051 with the Central Administration of the Bank of Russia for the Central Federal District, Moscow 35, BIK 044525000. The purpose of payment must indicate the name of the financial organization and the Winner, the details of the Agreement, lot number and date of the Auction (the period of the RFP Auction). In the event that the Winner does not fulfill his obligations specified in this message, the Bidding Organizer and the seller are released from all obligations related to the Bidding (RFP Bidding), with the conclusion of the Agreement, the deposit made by the Winner is not returned to him, and the Bidding (RFP Bidding) are recognized as invalid.

After the scandal with the depositors of bankrupt banks, from which the Deposit Insurance Agency (DIA) began to collect funds only for the fact that they took their money before the banks were deprived of their licenses, the DIA already justified itself: they say, it takes money only where deposits were issued in conditions of apparent actual bank insolvency. However, observers immediately caught the Agency on the fact that against the background of massive lawsuits against the depositors of bankrupt banks, there were strange exceptions. Selected depositors, according to the telegram channels, on the eve of the revocation of the license, took hundreds of millions of rubles from the banks, but for some reason there were no claims to them from the DIA.

As noted by banks, such a DIA policy undermines people's confidence in the banking system as a whole. However, the actions of the Agency seem to be specifically aimed at undermining confidence in it and the system of collecting debts of citizens and companies.

Another scandal is unfolding around the sale of debts of bankrupt banks, the bankruptcy administrator of which is the DIA, where the Agency is suspected of being biased towards bidders.

The surveyed market participants confirm the fact that the procedures for organizing trades in the property of bankrupt banks are not transparent. Often there is a "main" contender for winning the auction, which is created the most favored nation in obtaining the information necessary for the analysis of the property being sold, and it is also possible that support is provided from the electronic trading platform. By the way, electronic platforms, as well as all other organizations accredited by the DIA, undergo a scrupulous selection in the Agency itself. According to one of Vek's interlocutors, this was undoubtedly done in order to increase the controllability of the process at all stages, as well as the possibility of selling certain assets to the right buyers.

Another interlocutor of the publication said that there is now a lot of talk among market participants that the TRINFICO Investment Group, which has recently begun to show an active interest in the bank debt market, may be such a "necessary" buyer. It has been suggested that Andrei Marsiy, the managing partner of TRINFICO, is closely acquainted with the head of the DIA and is often seen at the Agency, where he can spend a significant part of his working day.

In this context, two claims of the collection company RegionConsult look interesting (according to our data, this is one of the notable buyers of the property of bankrupt banks.). One to the DIA to challenge the results of trading in the property of the bank "Svyaznoy" and O.V. Belai (according to data from open sources, the main owner of "TRINFICO").

The auction took place on November 17, 2017, and was won by T-Capital, which is not a registered collector, which is a direct violation of the law. By law, such companies are prohibited from transferring information about personal data and debts of individuals to organizations. T-Capital is not a participant in the bad bank debt market, it is not a personal data operator and a registered collector, but this did not prevent DIA from nominating the company as the winner of the auction. RegionConsult and the third participant, Bank Tinkoff, respectively, lost this tender.

RegionConsult LLC refused to comment on the situation with the claims filed for Veku, but drew attention to the fact that after a lawsuit filed against the Agency, they unexpectedly encountered problems related to obtaining the necessary information from the DIA about the property at the auction, and also suddenly twice did not were declared the winner in the auction, where they were the only bidder who fulfilled all the necessary requirements for bidders.

RegionKonsult filed a claim against its participant O.V. Belaya (concurrently the main owner of the IG TRINFICO), who was commented in the company by an attempt to compensate in the manner prescribed by law for the damage on the part of Belaya for creating a parallel business.

Oleg Belay, the chairman of the board of directors of the TRINFICO group, and Andrei Marsiy, the managing partner of the group, did not answer questions from Vek about their ties with the Deposit Insurance Agency.

At the same time, the scandal with RegionConsult threatens the DIA with suspicions of complicity in a raider seizure of business, redistribution of the bank debt market, and accusations of affiliation with one of the market participants. Well, coupled with the story with depositors, the growth of scandals around the Agency may force the Central Bank to hurry up with the implementation of its plans to reduce the powers of the DIA, about which insiders have been talking more and more recently.