Что нельзя делать, если вам по ошибке поступили миллионы на банковский счет счет

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Что нельзя делать, если вам по ошибке поступили миллионы на банковский счет счет

Сообщение HainanWel.com(e)! » 14 июн 2016, 12:52

Yekaterinburg recently reported that the "Savings Bank" listed him 4.5 billion rubles. Soon, the bank denied the report, noting that the sum was "in the tens of thousands of times smaller." What to do in such cases, to flee to the "Canadian border" with money or fairly report the error?

What NOT to do if you accidentally & quot; fall & quot; millions at the expense of


Who among us has not dreamed to find on the street suitcase full of bank notes? To discover on your bank account or plastic cards large amount - a modern incarnation of this dream. But, as in the movie, with large and unexpected money come big problems. Life figured out why you should not use random happiness with a few examples of sudden enrichment due to bank error.

Spending at home

What happened in 2008, "Bank of Moscow" hooked private client loan account, which turned out to be 85.5 million rubles

The finished: h. 4 tbsp. 159 (fraud), ch. 2, Art. 174.1 (legalization of money acquired through the commission of a crime) and h. 3 tbsp. 327 (use of obviously false documents) of the Criminal Code, as a result - 8 years in prison.

Alex Lepekhin simple driver of the Moscow Metro, working electrodepot "Sokol", received a salary on a plastic card, "Bank of Moscow". Once logging into your account via the web-banking, a man accidentally discovered, in addition to their accounts, another - a special loan, which has a large amount of money.

Lepekhin entered into the taste slowly, taking more and more money. Loss of 85.5 million rubles, "Bank of Moscow" could be detected only after 6 months., When the driver tried to acquire the underground hotel complex in Sochi.

What NOT to do if you accidentally & quot; fall & quot; millions at the expense of
Before that Lepekhin managed to buy three cars and pay for part of the cost of an apartment in Moscow. According to investigators, he also acquired a fake passport and used it for decoration of hotel accommodation Tula region.
What did he do wrong: long inactivity services "Bank of Moscow" has formed a sense of impunity, as a result, Lepekhin lost all sense of proportion and has not taken steps to legalize the money and evade responsibility. But, of course, the only true step would be to inform all the bank as soon as possible.

To run away with the money

What happened:. In 2009, the New Zealand Westpac Bank opened a customer an overdraft of 10 million NZ $ instead of 10 thousand.

The finished: the accusation of embezzlement, sentenced to 4 years and 7 months in prison.

Owner refueling Hui "Leo" Gao through a bank error could spend two years in a big way. "The Accidental Millionaire," as a man called to the media, was quite ingenious. He did not report an error, and transferred the money to 23 foreign accounts, and immediately left the country.

What NOT to do if you accidentally & quot; fall & quot; millions at the expense of
Total Gao was accused of embezzling 6.7 million NZ $ and after the theft were opened, the bank was able to cancel the transaction and return some, but only 3 million NZ $ What happened to the rest of the 3.7 million -.. Unknown. Neither law enforcement agencies or Westpac could not find them.

What did he do wrong: Hui "Leo" Gao successfully avoided the court as long as was on mainland China, however, was caught An attempt to enter Hong Kong, which has an independent legal system and autonomous police force.

ATM Errors

What happened in June 2014 Kemerovo ATM gave the wrong amount because of incorrect loading cassettes for banknotes.
The finished: Part 1 of Art. 158 of the Criminal Code (secret theft of another's property), a fine of 5 thousand rubles. The defendant fully admitted guilt, remorse, and partly to repair the damage.

What NOT to do if you accidentally & quot; fall & quot; millions at the expense of
Instead of receiving the requested 400 rubles, 20 thousand 26-year-old kemerovchanka, she worked in a bank, guessed the reason for the error and took about another 80 thousand. Rubles. Soon after the loss came to light, and she appeared in court.

What she did not do so: in the time of the transaction with modern ATMs customers are identified in several ways, including using a hidden video. If you cash out you are not available, the chances of avoiding penalties virtually none. However, as in the first case, the most appropriate solution will be here to report an error to the bank.

Legally

If you notice in your account the money of uncertain origin, ATM gave the wrong amount, or received an erroneous access to unauthorized accounts, criminal or administrative liability does not threaten you. But everything changes when you start to use them, explained to Dmitry Shevchenko, head of the legal department of JSCB "Lanta Bank". In this case, the court may qualify such actions as appropriate or as fraud under Art. 159 of the Criminal Code, or as embezzlement or misappropriation of art. 160 of the Criminal Code, as a result - a prison sentence of up to 10 years.
Happen and erroneous transfers of individuals in small amounts in this case the responsibility rests solely on the sender and recipient, the Bank does not bear any responsibility. However, Customer-finorganizatsii can help return to sender due to him the sum, to mediate between the parties, which are generally closer to one another. Otherwise, the money is not owed to the recipient the sender can sue in court under Article 1102 of the Civil Code "unjust enrichment."
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