Postponing the payment of the loan. How to turn over the line for a loan payment
Structuring payment for a loan - not only for the holder of the card, but also for the bank, having seen the loan. Zhodna іz storіn is impromptu put up to the destruction of the terms of repayment of creditor debts calmly and cold-bloodedly. The bank at the time of the non-conforming manager of yogo goiter spends a part of the income, which is a moment to take into account the investment in the amount of sumi for the major projects, and the axis great person at the same time, there are a lot of problems.
The structure of penalties for overdue loans
When laying down a loan agreement between the bank and the borrower in the documents that are saved on both sides, clearly described, come in, as if the bank is still alive, if the borrower does not pay the lines of repayment of the loan. Warehouse of the system of fines:
- Penalty as a fixed amount of damage to the amount of payments. This amount is written in the contract and it gets better at times, as the term of repayment of the payment has ended;
- Peni, scho narahovyutsya for the skin day of the stitching of the draft payment. Today, on the bag of the borg of the owner, the subvoena interest rate the Central Bank;
- Advance payment for all operations on the card, as soon as possible, you will receive a credit card. Your credit "reputation" is already sealed, so the bank may have the right to raise a higher rate for a decent loan;
- If the banker misses the deposit for the loan, the bank reserves the right to change the limit for the credit card. In case of repeated disregard for the bank, the bank can pay off the debt, the credit institution can renew the agreement with the employer.
As soon as in the case of the debtor, they stopped having to pay for the loan, the lawyers of the bank will force the bank to call before the court the claim of the non-payer. Also, the bank may have the right to give your right at the disposal of the collection agency.
All the above list is supported by the fact that the bank transfers all the information to the credit bureaus and is recorded in a single database of the BCI. You should try to close the existing loan with a new loan in another bank, otherwise it will be impossible.
The procedure for repayment of accounts payable to the bank
Problems with their own payment are blamed not only on those who don’t really want to pay off the fence, but on the other hand, through the furnishing, they don’t pay the amount, but only a part.
Depending on the laws of the Russian Federation, which regulates the financial balance between the depositor and the bank, when pennies are paid, the amount of accumulated money is debited, and then the main sum of the billing.
If you once paid a sum less than what was stated in the contract, after the term of repayment of the rent payment is completed, you will accumulate hundreds of those penalties for not paying the rules of the contract. The next time, when you bring in an insufficient amount of pennies, you will pay off those hundred rubles that you were accrued for the past month. In this way, the main amount of your billing will not change, and all pennies paid will go to the repayment of the penalty.
Parts of the reason for a loan delinquency
Not alone, if it's honest, the payer gets into such an unacceptable situation that there is a breakdown in the terms of repayment of the loan. Below is a list of the transferred reasons for the stitching:
Carrying out payments through the mail of Russia through the payment terminal. Now you have made a payment in advance, the robots of the mail of Russia may have problems, which, needless to say, trapleyatsya even more often. Therefore, the payment may not come to the bank at the right time, as a result of which the bank obov'yazkovo narahuet a fine for delaying the payment.
You transferred the payment through the mail of Russia, far ahead of you, and you live peacefully, knowing that the pennies already went to the bank. And here it is stated that the operator, having accepted the payment, had mercy on the requisites or recognized payment, but you insufficiently respectfully misrepresented that they missed this short share. Razbirannya at times take a lot of time, and pay for a row of stitching.
If you pay a fee for the coins of a third-party bank, you risk losing the borg in front of your bank. Call third-party financial institutions to take a commission for the services of translation. The unpaid amount of the commission may cause a late payment.
The rest of the day of paying off the debt falls on the holy day of the holiday. In this case, it’s easier to make a payment in advance, otherwise you risk being included in the list of unsuccessful applicants, even if according to the rules of the bank, payment may be made earlier, lower at the last term.
The amount of the payment made for a kіlka rublіv or navit kopіyok less than the amount specified in the contract. Banks love the accuracy of rozrakhunkiv, so rounding up the sums at the cost of less is not possible without problems. For missing a few rubles, you can pay a tidy sum in the future.
Having analyzed all the above, we can say that at times it appeared, it was given, it would be a serious problem, when going to the bank, it’s not a varto, and even an insignificant little can turn into a serious article for you.
How can you not go to the list of unsatisfactory prospects?
The best prevention is to make a chargable payment at the full obligation and earlier than the established term.
First, carefully study the credit agreement. Call the credit consultant as clearly as possible explain the terms of repayment of payments for the loan, but we will not read the agreement again. It is necessary to take into account all the nuances: what is the minimum payment for the card, the system of fines and the procedure for paying off the bill.
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Verify all payments on the official website of the bank and for additional services "Mobile Bank". Having put pennies on the card, follow up, so that the pennies are not ruined, they come at once. Try to pay a larger sum, the lower one is indicated in the contract. It is not included that once you can’t get hundreds of rubles for making a payment, and an overpayment, as you know, will help you get by without fines.
Use only ATMs and terminals of your bank. So you will avoid the problems of the loan streaks. Be careful before all checks and receipts for payment. Take them from the special papacy at the time of vindication of the controversial moment. These documents will help to bring your honesty and orderliness. Dotrimuyuchis vsіh vishchezdanih rules, you can koristuvatisya credit card, not afraid of making payments and zipzovannoy credit history. Let the use of a credit card bring you more joy.
Now let's talk about those who don't count on anyone who takes credit. Your living arrangements may change the flooring, so that you will not be able to pay borg at the same time, and you will have to pay for the loan. What is the job of this guy? Obviously, the forceful methods of pouring in on the nearby hopefuls in our hour are no longer stagnant, today they are pouring in on the barmen for additional civilized approaches.
Father, you cannot know how much pennies will be needed to pay off the loan, and you are afraid to scribble the loan payment.
If you scribbled the loan payment more than once, it's not scary. Go back to the bank with the prohanny about the transfer of the line of the black payment, such a prohannya, as a rule, is satisfied. Truthfully, for delaying payments for a loan, you will have to pay a fine of 1000 fines, transferred by a loan agreement. Ale, your problem will be chastkovo virisheno.
Even though your financial problems are more serious, and your late payment on the loan reaches three months, you can also know from the beginning. Enough to contact the bank and ask for a line for one of the schemes that suit you. In this case, it is possible that the bank will send you an invoice and pay the deposit, including the payment of fines and penalties. Then you can pay from the creditor at the bank of the recipients.
The bank will have the freedom to make a home of the vacant, so that you can take back your pennies. Otherwise, you will risk spending them. Ale for a dialogue with you, the bank pide only at a glance, just to talk, so you are ready to peacefully create problems, so winickly. In other words, you didn’t flow in and informed the bank about the reasons for the late payment for the loan. In another case, your late payment for a loan can be collected by the bank through the services of a collection agency.
The very same agencies are engaged in the collection of cats from barns. At the skin bank, you can get your own employees trained by barbers, or the company can also turn to independent organizations. We are in front of the evil non-payers in the field of the dawn of the banking security service. Ale real krokіv z primus borzhnik to vіddaі borgіv won't be able to work. The collectors repair the children, if the power of the bank is exhausted. Most of the time, they are the only ones who, if it is necessary to turn back the loan, which did not have proper security. As a rule, before such positions one can see quicker express credits, which buyers rely on right in the store. Banks, as a rule, cope with delayed payments for mortgages and car loans on their own, because behind them, you should call for the registration of outposts of goiter.
Organizations that are professionally engaged in the selection of banks, develop richly zhorstkish, lower security services of banks, and give borzhniks to unacceptable samples. Zvichayno, fists do not go on the run, such hours have already passed. As a rule, the methods used by all collection agencies are similar to each other.
The stink of the borzhniks is being called back and they are telling you about those people who have a delay in paying for a loan, naming this stage soft-collecting.
At times, if the client is ready to make contact, and the delay in payment was due to independent reasons, the choice of the authorities to establish an acceptable payment scheme for you. But if the borzhnik doesn’t see the borg, they tell you about the crime, know about the norms of criminal law, try to negainly turn pennies, threatening to destroy the criminal right. Close to 30% of banks turn to the bank at any stage.
If the methods don't work, then go hard-collecting, after which the Borg selectors especially come to the barn. At what stage, people, having scribbled a credit payment, are not licorice. Such a tete-a-tete can not be accepted for the recipient, the collectors at the same time zastosovuyt different methods to the point of serious mental pressure. You can drink like this discrediting a borzhnik in front of his relatives, know-it-alls, and ceramics. At this stage, it is important not to have mercy, even if in the role of a collector, you can act as a shahra. The reference documents of the firm are responsible for the authority of the collection agency to carry out the correct document stating the name of the person. First of all, the right collector is in no way affected by the turn of the borg in preparation. As if it were so powerful in the presence of an unknown person, you need to call the police in a negligent way.
Even though the offense of the above-named methods does not give the necessary result, the right of the borzhnik is transferred to legal-collecting, simply kazhuchi, to the court. At any court, call can be placed on an unprimed statement of the sum, which includes not only the main borg, but also large penalties. It is clear that the current legislation cannot be attracted to the point of view of an unconscionable barman. Irrespective of those that have been punished by the Criminal Code for non-repayment of credits, in practice the norm may not be applied. And yet, you didn’t know for a long time sleepy movie with representatives of the bank or collectors, you can come to court. As a rule, the bank wins in court. To that people, as if they don’t pay off at once, they are brought to the bailiffs.
For small sums of credit, if you don’t transfer fifty thousand rubles, call them to file before the court, if the terms of the judgment are short.
Loan stitching I threaten with various inadequacies for the borzhnik. Why not varto skip payments for a loan and if sanctions can be imposed on the borzhnik, as the term pay borgo is omitted, the status of the article.
Effects of skipping a payment for a loan: forfeit (penalty, fine), other sanctions
Parts of the fall, if the person who is credited cannot turn the borg. And here it is clear that it can be transferred as by law, and by agreement with the bank.
Sanktsiy zastosovuyutsya for nevykonannya pozhalnikom vymog law and minds of the loan agreement, itself: violating the term pay borg, yogo nepovnu splat, chi non-payment.
Looking back at st. 811 of the Civil Code of the Russian Federation as a defendant, having violated the agreement, paid the bills, transferred Art. 395 of the Civil Code of the Russian Federation for the hour of the stitching of the goiter until the repayment of the stitched sumi (which is not otherwise specified in the contract).
Vіdpovіdno to st. 395 of the DC of the Russian Federation, if the term is omitted, the obligation to pay for the contract is paid for by hundreds of dollars, as they get better at the sum of the billing. As a general rule, the increase in the number of new key rates to the Bank of Russia (before January 2, 2017 - 9.75%, and after - 9.25%). A specific agreement may establish a different percentage percentage.
Another term for non-payment of a loan is the need to pay a penalty by the borrower. Vіdpovіdno to st. 330 of the Civil Code of the Russian Federation, a penalty is the sum of the sum for not being properly beaten by the contract, if it can be paid by the borzhnik. The penalty can be like a penalty for late payment for a loan, and like interest.
Vіdpovіdno up to clause 21 of the Federal Law “On a quick loan ...” vіd 21.12.2013 No. 353-FZ, the amount of the penalty (like a penalty, so a fine) can not be more than 20% of the regular (in terms of the sum of the congestion), vіdpovіdno і in credit agreements more sanctions are being installed that are impossible. Concrete minds are fixed in contracts with the bank.
The penalty may be of the following types:
- Fine (single fixed amount);
- Progressive fine (for leather late payment, the amount of the fine is increased);
- Penalty for late payment for a loan (the amount that is calculated from vіdsotkakh vіd sumi for the day of broken goiter).
How else do I threaten the prostrochenya loan? Bad credit history, court with overdue loan
In case of non-payment to the bank, which is due for a loan, the borrower's credit history is required, which can cause a further possibility of withdrawing credits.
Credit history is the basis of data, in which you have the succession of all applicants, who are paid (non-paid) to banks. The history is saved in the Bureau of credit histories, as a result of the collection, accumulation and collection of records.
The procedure for collecting and collecting history, restricting access to it was established by the Federal Law “On Credit History” dated December 30, 2004 No. 218-FZ. Vіdpovіdno to st. 8 The law can take away information at any time, without a cost, you can only hope once for a river.
Information from the data base is collected by banks in order to avoid stench being reported about the client's payment capability. How to run a bank, that a hulk does not cry over the fencing for the taken goiters, or breaks the terms of repayment for loans, such a hulk becomes unfavorable for the bank. Tse vplivaє, zokrema, on the expansion of the vіdsotkіv for a loan, as if yoga will be given.
Even if the payment is late, the bank may have the right to present before the court all the evidence of the contraction to the borg. Oskilki in this situation help the bank of the right, the court with great frequent immovability stands on the same day and accepts a different decision.
After the collection of decisions of legal force, the procedure of primus vykonannya will begin, as the judges will appoint. At this stage, the ship's bailiffs can impose a contraction on the borzhnik's mine (maybe the money can be paid to the borgu and sold at auction).
The Bank may also assign the right to any credit claim. To put it simply, borg is sold to collectors, as they gain the right to wimagati a debt collector and return a loan.
Extension of a loan agreement for a significant term
Looking back at st. 14 FZ No. 353 for breaking the minds of a loan agreement, vin can be broken unilaterally. And here the bank revokes the right to recover the money from the borrower of the return of all sums to the loan (one-time), which was left unpaid. In addition, up to the price of sumi will be added a few hundred.
The right to repay the debt to the bank before the end of the year is more than that, as if the borrower did not cry over the debt for 60 days. If so, the bank is guilty of informing the defendant about the opening of the contract and inserting a term for the completion of the contract.
If a loan is taken for a term of less than 60 days, then the bank can revise the agreement and pay the borg 10 days after the destruction of the crop by the borzhnik.
Refinancing a loan for an hour
Є the procedure for issuing a new loan agreement with the method of repaying the old one. Just as a borrower is using the ability to pay for a loan, refinancing a borrower may be one of the few opportunities to get out of the situation.
The decision about re-crediting is accepted by the bank, and the borzhnik is also the fallow side of the law. There is a chance to go for refinancing only once, if you think of a new loan agreement, it will significantly change the old one.
In this manner, in case of non-payment of the sum of the main borrower and the amount of money for a loan, various sanctions are imposed on the borrower. The simplest way to identify the validity is to assess the possibility of repaying the loan at the stage of laying down the loan agreement.
Good day, new users of the site kreditka-online.ru!
It is more important to you that banks will introduce individual sanctions. In case of a delay up to 3-5 days, the bank will automatically set a higher interest rate and a penalty for the actual number of days of the delay. After that, from the first donation by the bank of state reserves to the Central Bank of the Russian Federation, banks begin to live like this: call from the security service (for 5-7 days); official notification about stitching, as a rule, recommended by a sheet of mail (after 10 days); and if you call from the banker, it didn’t go away, otherwise the remaining one is evilly swindled by the bank’s specialists, then we’ll call in 2-3 later, the banks will already turn to the collectors. Let's follow the preparation of documents before the court, which will take an hour close to a month from the day of writing). With this, stitching in two days is not to be spent at credit history, only a fine, if some banks transfer additional penalties to those customers who regularly delay the payment of a bill of days for a few days.
For justice, I am guilty of saying that the banks are embarrassed to fine the unfair borrower. The Central Bank of the Russian Federation, having established a single rule for the creation of reserves by banks for spending money, indebtedly, according to the term, for 5 categories of loans. The thought that the banks see it, as if the barman does not pay at the hour, is not true. Qi reserves are created for the money of the rich money of banks.
The banks themselves can do everything possible, so that they can get food from the pre-trial order. The transfer of materials to the right of the court is not visible to banks, because trapleyaєєєєє, scho for the decision of the court pozichalnik zvіlnyаєєєєєє in іd part of chi all penalties and fines. To this very reason, the banks are scrambled on their own, or through the collectors, take from the debtor everything that they have to go to court.
Federal law dated December 21, 2013 N 353-FZ "On a quick loan (position)" indicate the final transfer of calls, as they can be blocked by any applicants with credit institutions and collectors.
Civil Code of the Russian Federation and Law N 353-FZ adopted long ago, the text of the loan agreement should be subject to possible sanctions for the best possible support. To that once again, I’m naked, that when signing the contract, you take away the notification about the possibility of banks, respectfully reading the contract:
Penalties are as follows:
- - Fixed fine in absolute units (fixed amount of rubles);
- - The most widest type of sanctions - a penalty for looking at the % paid per day of late payment;
- - penalty in absolute units with progressive result;
- - Fixing the amount of the penalty for an excess loan, which can also be paid in a single payment, or for a skin day of stitching.
Most banks combine these options for sanctions depending on their credit regulations, for example, they can collect a penalty and a fixed amount for a month of non-repayment of a loan.
Federal law dated December 21, 2013 N 353-FZ "On a quick loan (position)" at paragraph 21 of article 5 is inserted maximum expansion peni, yaku can beat banks. If the regular interest rate, like before, is drawn to the stitched fence, then the penalty cannot be greater for 20% of the regular ones. If % does not get caught up, then the penalty cannot be more than 0.1% per day, depending on the amount of stitching.
Online application for a loan preparation:
Article 14 of the law says that the bank may have the right to recover from the depositor of the pre-term complete closing of the fence, for the rest of 180 days, the claim holder has been working for a stretch of 60 days. Well, if the language is about loans, if they were issued on lines less than 60 days, then a bank can be similarly suspended if it is completed in 10 days.
For late payments for credit cards, there will be a similar scheme for collecting fines and penalties. There is simply an increase in negative surplus on the card. Dії banking services and pіdrozdіlіv, yakі vіdpovіdat for work with nezumlіnimi pozalіnimi bude similiar.
Types of banks 100% of the borrower, such as having scribbled the payment for the loan.
The leather bank operates according to its own internal regulations, which are divided into essential items for us. The algorithm, in principle, is the same:
With a peaceful way, we will persuade the bank and change the position of the borrower to the end of the loan agreement. We have already briefly looked at whether the operational or credit officer will call the clerk of the bank in the morning and find out the reasons for the stitching. Call at the time to ask about the terms of the planned repayment of the stitching. If you don’t cancel the terms of the appointment of the debtor, then I’ll call you again - and not only to the debtor, but also to contact persons, robots, guarantors for a loan.
As soon as it became clear from the first call that the debtor could not reach the previously approved payment schedule, then you can suggest such an alternative:
- credit holidays. Tse officially fixed the statutory line for payments, as well as the sting of penalties and fines. A loan can be given in the form of a new private payment of the so-called “body” of a loan, and in case of a loan, it will be necessary to pay regularly;
- loan restructuring In fact, a new loan agreement, de bank changes the credit mind, call for a better term for repaying a loan with a method of making life easier for the borrower. Decide which banks you don’t want to go to, because restructuring of the borrowings by the Central Bank to the point of delinquency, and I am going to renew the same until the banks donate the reserves.
A lot of banks do not care for themselves the best way to deal independently with the contraction of debt, so, as there is a problem of communication between the employer and the bank, stay, as you say in the loan agreement, sell to the collectors. Tsі lads start to live where the energy is, come in at a fast paced stitched fringe, starting from the innumerable twinkles as the most senior, so і tim, s kim vin so chi іnakshe po'azaniya, so until you come to the new home or work. Ale, it’s up to the constitutional right to the lack of access to the life of the hair, you have the right not to open doors for them. With whom, the collectors do not have the right to work on their own legal affairs.
If the collectors do not go home with a borzhnik, then in the future the bank is ready to submit the necessary documents for a stretched loan to the court. To the point of speech, the term of call prescription is no longer enough for the debtor to get documented to bring to court that the bank itself did not go to the call and did not try to argue with the debtor.
After solving the court, the constriction of the fences is taken over by the court bailiffs.
Even in the last article, we talked about those who periodically give us life, not always receiving unexpected surprises. Before such cases, we have the right to see force majeure circumstances: failure to work quickly, delay in paying wages, timchasov chi postyna waste of practical work, the birth of children, pozhezha chi else spontaneously famously. Prepare a document - a final note, a certificate, a letter of intent and a letter from the worker with a stitched fence for you, why should I start rozmov about changing the minds of the repayment of the loan itself, as well as fines, penalties, penalties, and the establishment of credit holidays.
The bank does not zatsіkavleniy at that, shchob to you rosority - even in tsomu vpadku you happen to donate your own reserves up to 100% in the sum of hopeless borg. The main pragnennya bank - turn be-yaky, and especially problematic Borg. Take away your apartment, and then it’s not your only living place - even if it’s a non-core banking asset and vitrati, like the bank wants to be destroyed. That is why, behind a certain blame, at the request of a mutually acceptable solution, there may be offended sides.
Father, why work?
We do not claim to be 100% sure that all the relevant information is possible, however, it is important that you have allowed or understand that you allow late payment for your loan (loans), you need to do the following:
- Don't post the problem for tomorrow. What better way will you start to work di ї z in regulation to induce hopeless strife, it’s better. I cheaper. Do not think that banks, microfinance organizations or collectors have screwed you. Hі, early chi pіzno come and your challange. Don't forget anyone!
Rozpovіdі about the "nightmare" mum singing ґrunt. Zayviy pressing from the side of the creditor is unacceptable. But with empty hands, you can’t protect yourself, so you need to write down a phone call with a representative of the bank, and the IP-telephony shards allow you to quite change the input numbers, take the distribution of your calls from your style operator. You can only try to write a skarga to the vіddіlu zahist of the rights of spozhivachіv to relocate again by the bank or by the collector.
To the point, people work in banks, and they stink in a different way to you, they will solve the problem with your bank.
- Repay your loans so that you can repay. As a rule, payroll prices are from MFIs (microfinance organizations) or credit card banks. Behind them, the rate is higher, and, as a result, the fines are greater. Before speech, tsі bank loans are most often sold to collectors. And the collectors are already getting nervous.
- Ask to restructure loans. Obov'yazkovo write to all creditor banks a statement about the restructuring of the bank. So, you can and advise, or accept you will have a written proof that you report all the efforts to correct the situation. Speak to the specialists with problematic fences - it's your right. The stench can really tell you what is the best way to grow in your mind. In this mood may rozpochatis SPILNY poshuk solution. If you follow the strict rule, don’t take new loans, close the old ones - even more is the part of the new position for the payment of fines and penalties, even if you can try speed on legal charges.
- Take away help the bank about the completion of the loan repayment. From this document, you became aware that fines and penalties were paid to you, and you have an hour before filing before the court. I vzagali, for the sake of it, the more papers, especially from your side, the better.
- Regularly know in banks the current mill is right. Trim the threads in your right hands: as if the defenders of the bank pinned their links, nayimovirnishe, the bank, having exhausted the power of knowing about you, the slanderous movie, and having filed it, or file you before the court in the next hour. In this case, it is necessary to try to find out at the bank, if and before that the court was given a warrant. Then you go to court and find out, yakі dії vzhe vzheto judge for you. To give you the opportunity to give your point of view and prove that it was not your fault, and you are ready to give a remedy for the repayment of your debt. Retract calls and claim all your credits
- You seem to be convinced that you don’t have any relevant documents in your hands from the court to the Bank, but you yourself didn’t go to court, but you were already knocked judges Otzhe, unfortunately, everything went wrong without your participation. You take from the bailiff a copy of the decision about the destruction of the vikonavchogo provadzhennya and from it you need to immediately go to court - try to say the court's order. As if you were blamed in absentia for a solution - you can also try it out. If you don’t succumb to the court, even if it’s your turn, it’s better to work it out of the way.
- try make it as easy as possible to repay loans. At the stage of litigation with a bank or an MFI, try to legally change the amount of fines and penalties and document the amount of your borg. For example, as in the contract there is a clause about contracting by the bank or the MFO commissions for vedennya and vіdkrittya pozichkovy rahunka, then this sum will be recognized by the court as unlawful. You can do it so that all payments for this clause of the agreement will be transferred to the cover of the main board (please ask Decree No. 7171-09 of the Presidium of Vyshchoy Arbitration Court dated 02.03.2010). But article No. 333 of the Civil Code of the Russian Federation says that the loan itself and the penalty can be proportional to someone else, and in case of cases, the court can change the penalty to a logical level. For example, if the loan amount is 1,000 rubles, a penalty of 50,000 may be charged. For the wrong conditions, the court can change your fence to the sum of the main borg and the normal ones behind it. Mayte on your account, after fixing by the court of the residual sum of your borg, the bank is no longer able to collect money! In addition, having paid a part of the borg, if you want, it will be easier for you to get the line for the payment.
- Navіscho need of ships?. The judges are assigned to deal with the legal decisions of the court, including the way of the overlay on the rukhome and the neruhome of the mine borzhnik, or else, they acted as guarantors for your loan. You can also ask the attachments for a line.
On the vtihu I can tell you that if you have scribbled payments for dekilkom loans, then you will not be enslaved and not sold into slavery for the price of substantiating official legislation. If you have an apartment with a house registered with children of minor age, or your apartment is the only dwelling, then you can not be afraid that you will be thrown into the street with your children of minor age. Yakshcho nі - translate everything to the closest relatives. Axis scho z you can raise money for your mine, collect up to 50% of your official salary, withdraw from the borders of the Russian Federation and nothing more.
Prote, the main borg and all fixed in the documents fines and penalties all the same happen to turn
Let's succeed and don't get caught!
