How to return money for goods on receipt or from a bank

In order to know exactly how to return money, it is necessary to clearly represent, in connection with which legal relations they were transferred to another legal or physical person.

Most often, money is transferred to us for safekeeping in a bank. In order not to keep them at home, to be able to pay in non-cash order, to receive cards, people and organizations open current or settlement accounts in banks, to which non-cash transactions are transferred or those or other amounts are paid in cash.

Receive the funds deposited in the bank to an individual is quite simple, if everything is in order with the credit organization. To do this, you can withdraw cash from the ATM or contact the bank branch with a passport, on the basis of which the customer will be issued cash in the amount available on the current account. In the case of a deposit, in the event of early withdrawal of funds, the contract may have to be terminated (if there is no provision for a balance that can be withdrawn) or to donate interest - they will be charged in a substantially smaller amount.

In the event that a bank has a license revoked or a moratorium has been introduced to satisfy creditors' claims, investors must know how to return the money. In the event of such a situation, they need to apply to the Deposit Insurance Agency with a statement and a passport.

Amounts placed on accounts and deposits and accrued interest of 700 thousand rubles within a single credit institution are subject to 100% refund. The exceptions are:

- funds of individual entrepreneurs, lawyers, notaries, if they are placed on accounts for the conduct of professional or business activities;

- funds that are given to the bank in trust management;

- bank deposits to the bearer, including the bearer savings account;

- Electronic funds;

- deposits in foreign branches of Russian banks.

Periodically people get in a situation when they transfer money on wrong requisites. How to recover the accumulated in this case? If there are errors in the details, the money will not reach the payee and will "hang" until the circumstances are clarified. In this case, an application for search and return of funds is written. The same documents are issued if the amounts were disappeared from the account in an unknown direction, in the absence of instructions for writing-off from the owner.

But if the details are correct, but the money has got to the wrong recipient, then it will be necessary to return them by communicating with the recipient himself. Conscientious organizations themselves will turn to their bank for explanations, but from unscrupulous individuals one can expect anything. Although in this case the sender himself is guilty.

Quite often, we give money to our relatives, friends, acquaintances, hoping that they will return them in full within the agreed time. In order that they do not disappear, you need to know how to return the money. In this case, when transferring funds, it is necessary to make out a receipt as a confirmation of the loan agreement. The receipt shall be compulsorily executed if the amount transferred exceeds 10 minimum monthly wages. In due time, the borrower is offered to repay the debt, and if he refuses to pay, then the scheme "how to return the money on receipt" is as follows: the lender makes a statement of claim, applies to him in court, receives a decision and an enforcement sheet under which in a voluntary or compulsory Order returns the put.

Much more often there is a situation when we acquire low-quality products. In this case, it will be very useful information on how to return money for the goods. If the product is not classified as non-refundable, has retained a consumer appearance, the buyer has a receipt or testimony of witnesses about the acquisition, then within 14 days after the purchase, he can write an application in which to indicate the grounds for the claim. Under the law, the seller is obliged to return the money within ten days from the date of filing the application.