According to official data from many analytical companies, the popularity of bank cards among Russians is growing every year, and this process is even faster than in other countries of the world. The vast majority of cards in the country are issued by Sberbank, that is, the largest and most famous bank in Russia. This month, this credit institution introduced new rules for plastic holders, which everyone must be aware of in order not to allow anyone to infringe on their rights or, on the contrary, violate them.
We are talking about two laws at once that changed the rules for using bank cards. The new requirements apply not only to cards issued by Sberbank, but in general to those from all financial institutions in Russia, because the law is the same for everyone. In particular, from September 4, all banks are required to promptly provide detailed information to cardholders if they request it. Previously, nothing like this could be done, but some banks still provided such an opportunity.
This requirement applies to all cards, but stronger than others - credit. The holder of such, according to the law, can now turn to Sberbank or another bank that issued it, and then demand to tell him in detail about what interest is waiting for him, how much he will have to pay for insurance, whether the grace period has ended and so on. All these data must be reported by any available means, that is, by phone number, at a bank branch, or in some other way, for example, through an online chat on the official website.
In addition, already on September 26, that is, on next week, another law comes into force, which concerns the blocking by banks of suspicious transactions made using bank cards. If something suddenly seems suspicious to a financial institution at the time of the operation of debiting money from the account, it has the right to freeze it for up to two days. In this case, the bank is obliged to contact its client and request his personal confirmation of the operation. This is a kind of protection against scammers, but how exactly it will work in practice is still unknown.
If within two days the owner of the bank card does not get in touch, the operation is automatically unfrozen and funds are debited from the account in favor of the person for whom they are intended. Suspicious transactions include large amounts of money, the transfer or withdrawal of which is unusual for a particular client. For example, if for many years a Russian has not transferred more than 5,000 rubles to someone at a time, and then suddenly decides to send 200,000 rubles, then the transaction will most likely be frozen to confirm its legitimacy. Sberbank, like other banks, will start reporting this via SMS or by calling a bank employee.
Legal advice:
1. My husband was sentenced under article 111, part 4 to 8 years in a strict regime. How long does it take for him to get parole? Are there any amendments to this now?
1.1. Will be able to apply for parole after 2/3 of the time. There were no amendments.
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2. Are there any corrections to Udo's account? And according to article 114 part 4?
2.1. There are no amendments to the UDO. In the Criminal Code of the Russian Federation there is no corpus delicti under Part 4 of Art. 114
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3. My pensioner was charged extra for garbage collection. In my apartment, his brother is registered, his own house, he lives there and pays the bill (contract) at the place of residence. They charge me for being registered, org. ECO ALLIANCE, I argued twice for the same thing and there is also no such law, they refer to what amendments, how to deal with it where, I will be treated with respect.
3.1. in your case, file a complaint against the actions of the company
For detailed consultation, contact WhatsApp
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3.2. Contact the prosecutor's office.
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4. I read that from July 1, 2018, amendments to the federal law and tax service will receive the right to request from banks information on the movement of funds from any citizens. Question. Can the tax office make this request about the movement of funds on the account only from July 1, or can it request the movement of funds for the previous period? If YES, for what period can she make a request?
4.1. No, only from the moment it comes into force, banks have already controlled accounts since 2013 and can provide all information on the movement of funds to the tax office only upon an official request from the tax office, changes in 86 Tax Code have affected the drug. Metalov, this is another fake that has been in the media for 3 years
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5. Please, is it possible to refuse a common house heat meter. We have a house in which there are 8 apartments and how the amendment to the law was noted that we should not be charged by the meter because the house consumes less than 2 GK / h, now we have a heating bill in the receipt that exceeds 2 times more than we paid.
The question is how should we deal with this situation, and how to get the management company to remove the counter. Thank you.
5.1. Gather an extraordinary meeting of owners, invite a representative of the Criminal Code. make a decision on the obligation of the Criminal Code to turn off the meter. At the same time, you will learn about the reason for the increase in payments. If the management company does not dismantle the meter within the time period set by the meeting, file a collective application with the court and refuse the services of the management company (by the meeting)
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6. How to get an officially certified copy of the protocol on a criminal case! The law says that it is made at the expense of the applicant! But the amendments to the Tax Code do not recognize this as a legally significant action and no state duty is charged for this! How to protest the judge's refusal to issue a certified copy of the protocol!
6.1. Victor. If you are talking about the protocol of the court session, then a copy of the protocol is made at the written request of the participant in the trial and at his expense (part 8 of article 259 of the Criminal Procedure Code of the Russian Federation). In accordance with Art. 35 of the Code of Civil Procedure of the Russian Federation, the parties have the right, among other things, to get acquainted with the materials of the case, make extracts from them and make copies. Refusal to provide an opportunity to get acquainted and make a copy of the minutes of the court session is a restriction procedural rights sides. If you have already taken a copy of the minutes of the court session, but decided to take it again, then in accordance with paragraphs. 10 p. 1 art. 333.19 of the Tax Code Russian Federation when submitting an application for re-issuance of copies of decisions, sentences, court orders, court rulings, decisions of the presidium of the court of the supervisory instance, copies of other documents from the case issued by the court, a state fee is paid.
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7. I work for an organization located in the Far North. According to Article 325 of the Labor Code of the Russian Federation, I have the right to pay once every two years at the expense of the employer the cost of travel and baggage transportation within the territory of the Russian Federation to the place of use of the vacation and back. Is travel to Bishkek (Kyrgyzstan) and back fully compensated? I heard that there was an amendment to compensate for this passage. Thank you.
7.1. Sergey,
Persons working in organizations located in the regions of the Far North and areas equivalent to them are entitled to pay once every two years at the expense of the employer the cost of travel and baggage transportation within the territory of the Russian Federation to the place of use of the vacation and back. (paragraph 1 of Article 325 as amended by Federal Law No. 50-FZ of April 2, 2014).
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8. I do not pay for overhaul, because. my house will be repaired in 40 years and I think that other houses cannot be repaired at my expense, and the regional operator can profit. Now they wrote to me in the receipt that I am obliged to pay the debt with the accrual of penalties. They have already made amendments to the LCD. I am interested in whether the amendments to Article 155 Part 14.1 as amended on 07/06/2016 have come into force and whether the penalty claim is legal. Thank you.
8.1. The right to accrue penalties from the regional operator arose back in 2012, and in 2016 the amount of the penalty was increased. So, you have the right to collect both debt and penalties.
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9. How to formulate correctly in the petition for bringing the sentence into conformity, so that the conviction under Art. 116. Because was originally given 6 months. correctional labor with a deduction of 20% at the expense of the state, which in the total term of imprisonment under article 105 part 2-16 years in prison, article 161 part 1-2 g.9 months. on the basis of Article 69 part 3 total period of 18 years and 9 months. In connection with the amendments on the liberalization of Art. 116
9.1. Drafting of documents is a paid service.
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9.2. free on your own.
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10. Explain Please new law about collectors.
I have read this amendment. Did I understand correctly that collectors will now be able to collect debts in such a way as to include them in utility bills without the consent of the debtor?
It turns out that if a brother is registered at my registration but does not live with me, his debts for a loan will I and my mother pay?
10.1. It can be so, yes.
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10.2. It turns out, since he is obliged, among other things, to pay for housing and communal services.
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10.3. I don't understand what the collectors have to do with it? Accounts for housing and communal services are issued by the accounting department of the Criminal Code, and it does not have the right to collect activities.
You and your mother are obliged to pay for your brother only for utility bills.
And debts on loans can be forced to collect, as before, only in court.
Good luck to you.
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11. If the accident happened before the amendments were made under the new OSAGO law, an independent assessment was submitted, the car has already been repaired at my own expense, I am not the culprit of the accident, there is at least some chance to get at least something from my insurance, there is a certificate from the traffic police and a photo .
11.1. File a claim with the insurance company within 120,000, you will be paid the rest from the culprit
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12. If the accident happened before the amendments were made under the new OSAGO law, an independent assessment was submitted, the car has already been repaired at my own expense, I am not the culprit of the accident, there is at least some chance to get at least something from my insurance, there is a certificate from the traffic police and a photo .
12.1. If you, as a participant in an accident, have complied with all the requirements stipulated by the OSAGO law (including notifying the insurer of the accident and not depriving him of the opportunity to inspect the damaged vehicle) and are a victim under OSAGO, then you certainly have every right to apply for payment.
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13. Can the bank force me to sell part of my house, 230 sq.m. in repayment of the loan, there was a trial. I have no official income. A 13-year-old son, two pensioners and me, are registered in the house. I read an amendment to the law that even having one housing, but if it exceeds the norms for square meters, then they can force me to sell some part to pay off the debt. Do you have such a practice?
13.1. The bank has no right to force you to sell part of your house. Court. the bailiff can seize your share.
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13.2. Are you the sole owner of the house?
the rest are just registered?
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Consultation on your question
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14. We live in civil marriage, the other day a child was born, they don’t give birth leave at work and don’t let them in at their own expense, they say no visible reasons that the child may not have been born to us, but to someone else, and so on. if we are not married, they are allowed, although there are no amendments to the code on such an account, and does the employer have the right to refuse in this case and what can be done?
14.1. Provide the employer with the child's birth certificate and write an application for leave
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14.2. To provide leave to care for a child up to three years old, you just need to provide the employer with a birth certificate of the child and a statement, to receive benefits up to 1.5 years old, you still need to provide a certificate of employment from the second parent that he does not receive the same allowance
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15. A salary comes to the Sberbank card. My card and my father's card are tied to the same phone number. An advance payment in the amount of 29500 came to my father's card, later an SMS from number 900 with the text correction on the account salary 22000 Today my card has a salary in the amount of 17000 and SMS correction on the account 11000 Where did the money go? Where to apply. Has no loans. Thanks, regards. Natalia.
15.1. Natalia! It is necessary to apply to Sberbank with a reasoned claim, if the pre-trial procedure is not satisfied - to the court
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16. When applying for an early old-age pension for work in areas equated to the regions of the Far North, my husband was denied a pension, because. the period of work in the Internal Affairs Directorate was not counted (he worked there for 3 years), the rest of the time he was a civilian worker. Is it possible to challenge this situation in court, is there any practice in this regard and have any amendments been made to the pension legislation?
16.1. You need to look at the reasons for the refusal. Of course, you can appeal against Articles 218-219 of the CAS RF. Seek legal advice
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17. I have a question. My husband and I are divorced, he works and, by court order, pays alimony for our 4-year-old child. The writ of execution is in the accounting department of the company where he works ex-husband. Accordingly, the accounting department transfers money from his salary to my account in the Savings Bank. An accounting employee called me and asked me to provide my Inn, referring to amendments to the law on the payment of alimony. Why do they need my Inn and should they provide it?
17.1. Yes, please, Elena. Accounting needs it for reporting.
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17.2. According to Art. 217 of the RF RK. Income not subject to taxation (exempted from taxation)
5) alimony received by taxpayers;
Accordingly, the TIN number is not needed when transferring alimony.
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17.3. Elena. Yes, you will need to provide a TIN. In addition, they need this data in tax reports.
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18. There is a debt for alimony, the court passed, they gave it to be corrected. Work, now I pay on account of the debt and child support. In connection with the promotion at work, you need to drive. The question is - they will take away the rights of the traffic police if they stop. I read about the amendment that they can’t deprive if the car is the only means of subsistence?
18.1. It should be borne in mind that paragraph 4 of Art. 67.1 of the Federal Law “On Enforcement Proceedings” establishes cases when a temporary restriction on the right to drive a vehicle cannot be applied to a debtor, namely: 1) if the establishment of such a restriction deprives the debtor of the main legal source of livelihood; 2) if the use of a vehicle is the only means for the debtor and his family members living with him to ensure their livelihoods, taking into account the limited transport accessibility of the place of permanent residence; 3) if the debtor is a person who uses a vehicle due to a disability, or the debtor is dependent on a person who, in accordance with the procedure established by the legislation of the Russian Federation, is recognized as a disabled person of group I or II or a child with a disability; 4) if the amount of debt under the executive document (executive documents) does not exceed 10,000 rubles; 5) if the debtor is granted a deferment or installment plan for the execution of the requirements of the executive document.
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19. For January of this year. received an invoice for the collection of payments for housing and communal services. total amount exceeded the previous one. They explained to me that the reason was as follows: according to Federal Law No. 176 dated 06/29/2015, an amendment was adopted that from 01/01/2016 some of the benefits were removed from me as a participant in hostilities.
I cannot find the text of this amendment and what benefits have been removed from me as a combatant.
Thank you.
19.1. This law introduces clarifications to the Housing Code of the Russian Federation. You, as a participant in hostilities, have the right to receive social guarantees from the state, including one of these is the payment of housing and communal services.
Write a claim to the Management Company with the requirement to officially (in writing) explain this lawlessness to you ....
Next, write a statement to the prosecutor's office.
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20. I want to sell 1/2 part 3 of the apartment. Court section. The personal account is not allocated. How do I get rid of my ex-spouse? The only amendment. Apartment in Belarus. Maybe the laws in these matters are the same?
20.1. Make an agreement
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21. I’m interested in the question, I bought an apartment in the city of Kursk, in the same month in a communal apartment they sent me an invoice for housing repairs .. I heard the amendments should have been canceled from July 1 of this year for a period of 3 years. What can you say about this question.
21.1. if you bought it in a new house, then yes, you shouldn’t fire
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22. To my young man given two years under article 158 of part 3 dangerous relapse, are amendments possible by the end of 2015 or the beginning of 2016? And what about UDO? Will marriage have any effect?
22.1. Our website somehow does not inform the State Duma about changes to the law. Parole is possible after serving at least half of the sentence. If previously released on parole and if grant of parole was canceled, then after serving at least two-thirds of the sentence. Getting married won't change anything.
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22.2. The term is short under this article, he can apply for parole after serving 1/2 of the term, that is, in a year. Marriage may or may not affect. Much more important is the compensation of damage to the victims, his behavior in places of deprivation of liberty, the position of the victims regarding parole.
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23. I would like to know about the amendments for 2015. Under article 161, part 1. If the amount of robbery is not more than 10 thousand rubles, is it possible that the term will be reduced?
23.1. Unlikely.
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Since October 1, 2017, a new form of invoices has been introduced. Some of the rules for their compilation have also been changed. Make sure that you create documents in accordance with all requirements.
The government contract ID field was introduced on the invoice as early as May 2017. But the phrase "if available" was missing from its title, which was misleading to some taxpayers. Questions began to appear - where to get the identifier and what to do if it is missing? Indeed, only a part of the contracts, or rather, contracts concluded as part of public procurement, have this requisite. In most cases, it is absent, and the indicated line does not need to be filled in.
Now this inaccuracy has been eliminated - the phrase "if available" has been added to the line name.
Product type code
The product type code appeared on the invoice last spring. This requisite refers to export activities on the territory of the EAEU. It must be indicated in relation to those goods that are exported from Russia to the countries of the Customs Union.
In general, if goods or services are not subject to VAT in accordance with Article 149 of the Tax Code of the Russian Federation, then the taxpayer does not draw up invoices for them and does not fill out the purchase / sales book. However, this rule does not apply to goods that are exported from the country to the territory of the EAEU. For such operations, the invoice must indicate the type code of the goods. Now there is a special column 1A for it. Previously, this requisite had to be indicated in the additional fields of the invoice at the discretion of the taxpayer.
Number of customs declaration
Box 11 is now called "Customs Declaration Registration Number", and here's why.
In this column, in accordance with the explanations of the Federal Tax Service, a composite number was indicated, the parts of which were separated by the sign "/":
- before the sign - the registration number of the customs declaration (taken from the first line of column A of the main or additional sheets of the TD).
- after the sign - the serial number of the goods from column 32 of the TD sheets.
However, the Arbitration Court, when considering one of the cases, came to the conclusion: if the second part, that is, the serial number of the goods, is not in column 11 of the invoice, this is not a basis for refusing to deduct VAT. AT new form invoice, this field was renamed to make it clear that it is the registration number of the TD that needs to be entered in it.
Signature by an authorized person
If an invoice is issued by an individual entrepreneur, not only the entrepreneur himself, but also a person authorized by him can sign it. This is spelled out in paragraph 6 of Article 169 of the Tax Code of the Russian Federation. However, in the old form of the invoice, only the individual entrepreneur himself was listed as a signatory. Now, “or another authorized person” has been added to the name of the IP signature field.
Address updates
The rules for filling out invoices have been amended to clarify the indication of addresses. Lines 2A and 6A should indicate not the address of the location, but the address of the registry. For companies, this is the address indicated in the Unified State Register of Legal Entities, and for entrepreneurs - in the Unified State Register of Legal Entities. The same rules apply to commission agents (agents), as well as committents (principals) who draw up invoices to commission agents (agents) who sell their goods on their own behalf.
Special rules for specifying addresses in invoices were established for tax agents from paragraphs 2 and 3 of Article 161 of the Tax Code of the Russian Federation. They had to indicate as the address the location of the seller or landlord for whom the tax is being paid. Now this procedure is preserved only for tax agents who buy goods and services from foreign companies in Russia. legal entities who do not have a local representation (paragraph 2 of Article 161).
But for taxpayers who perform such duties on the basis of paragraph 3 of Article 161 of the Code, the rules have changed. In the paragraph mentioned above, we are talking about renting and buying state property. The tenant acts as a tax agent - calculates, withholds and pays tax amounts to the budget. Now he is obliged to indicate the address of the lessor, reflected in the Unified State Register of Legal Entities, when issuing an invoice.
In addition, the rules and other documents on VAT have changed.
Adjustment invoices
Changes have also been made to the form of the adjustment invoice. The phrase “if available” appeared in it in the title of the column for the identifier of the state contract, column 1A for the code of the type of goods and a subscription about another authorized person for individual entrepreneurs.
In addition, amendments were made to the rules for filling out an adjustment invoice, approved by Decree No. 1137. A new paragraph 8 appeared in them, which allowed additional information to be indicated in the adjustment document. That is, the same rule was officially enshrined, which was introduced for the primary invoice back in 2014.