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Russia - The debts of the double from the Ural Zlatoust forced the Siberian woman to change her passport

Russia (bbabo.net), - A resident of Novosibirsk with a very common "marshal" surname Zhukova decided to change her name due to claims from government agencies, collectors and a commercial bank.

Last week, Svetlana received a passport with her mother's maiden name, Diveeva. The reason for such a family "reform" was the debts of a full namesake who lives in the Urals Zlatoust and has been ruining the life of a Siberian woman for nine years. Svetlana, who has not stained herself with anything before financial organizations, is denied a loan without explanation, no or no from her accounts, but they withdraw money and even confuse the data at the registry office.

The fact that she has a namesake in the distant Chelyabinsk region, Svetlana first learned in 2013. It turned out that women not only have the same first name, last name, patronymic, but also the date of birth. Then the employees of Rosreestr, who processed the documents at the request of a resident of Novosibirsk, suddenly reported that she owns a third of the apartment in Zlatoust. Although the Siberian has never been to the glorious industrial city. The institution apologized, the certificate was altered.

- But almost two years later, in March 2015, a man called, apparently a collector. He persistently demanded to return the debt to the bank - a rather large amount of 360 thousand rubles, - says Svetlana. - I remembered the story with Rosreestr, explained what could be the confusion, and at the other end of they promised to check everything. It's unlikely they were checking anything, because the calls continued. It was exhausting, they called every day except Saturday and Sunday.

Today Svetlana is listed in the register of self-employed and is engaged in tailoring. And at that time she worked on the railroad, and the whole shift became a witness to how she had to justify herself on the phone to the next collector. After a few months, any hope that the bank would sort it out faded away. I had to go to the branch.

The clerk accepted the application reluctantly. He hinted that it would be better if I returned the money to the bank, and did not try to get out, ”recalls Svetlana. - It was easier for an employee to trust a digital database than a live person with documents.

As a result, everything was found out, but in December last year, the "shadow" of Svetlana from Zlatoust again made itself felt. An alert came to the personal account of public services that another debt "hung" on the Siberian woman, now it was a tax duty. The amount is small, 250 rubles, but the situation again made the woman worry. After all, public services imply user identification not only by name and surname, but also by TIN, passport and other data. As it turned out, the "system", which has already firmly recorded Svetlana as a debtor, ignores this information. And this applies to both the departmental employees themselves and digital platforms. Another debt may surface at any moment, a certificate from the bank could be at least some proof of non-involvement.

In connection with the new debt, Svetlana received two orders from the bailiffs. One lists three cash accounts from which money can be debited on account of non-payment of duty. At the same time, the details of two of them belong to a Siberian woman, but the third one, apparently, belongs to a resident of the Chelyabinsk region. That is, in the official document, the debtor was not just mixed up, but "blinded" out of two people. Both cards of the owner of the "double" were blocked until the circumstances were clarified.

No less remarkable was the second resolution: on the ban on registration actions in relation to the vehicle. In this paper, only one car was indicated, issued, again, to Svetlana Zhukova from Novosibirsk. The woman had to call Zlatoust and again prove, now to the bailiffs, that she had nothing to do with it. The interlocutor checked everything, unblocked the cards, apologized and promised to enter the Siberian woman's data into a certain register of "twins". True, the bailiff clarified that if she leaves her position and another person comes in her place, it is likely that history will repeat itself.

- And if the car is taken away next time? - asks Svetlana. - I have already got used to the fact that I am denied a loan - neither furniture nor equipment can be bought in this way. I was able to find four banking sources on the Web that indicated that I had a bad credit history. And if you want to change the status from self-employed to individual entrepreneur, for example? I'm not sure it will work. So I decided to change my last name. So even in the registry office, when she submitted the corresponding application, the employee opened the database in front of me and said: "You have three children, you were married twice, is that right?" And I'm actually raising two girls and happy in a single marriage. The girl went to the local, Novosibirsk database and my real data was found there. I had to once again ask that something superfluous not be added to the new passport.It turns out, on the one hand, departmental and commercial structures report on ever-expanding digital opportunities and the transition to electronic document management platforms. On the other hand, the banal coincidence of the date and name gave rise to an error that has been haunting a person for years.

According to lawyer Nikolai Potapov, bailiffs, for example, periodically request and enter into their databases data from the registry office about the change of surnames. And of course, they use them when making decisions on recovery. That is, a person with a new passport can be erroneously listed as a debtor if there was a "double" by his former surname. Banks, on the other hand, do not particularly delve into the details and hastily comply with the requirements of the bailiffs, since any delay for them can result in serious fines.

- There are already some legislative decisions, but, unfortunately, they are half-hearted, - the expert notes. - For example, in the spring of 2020, amendments to the Law "On Enforcement Proceedings" partially began to work, which expand the list of information entered into the writ of execution. So, in relation to a debtor citizen, it is now necessary to indicate not only the full name, year and place of birth, but also one of the identifiers. This may be a SNILS number, TIN, passport or driver's license data. And for example, when collecting a debt by a bank on a loan, a writ of execution should already be drawn up in this way. However, the operation of this novel for certain subjects, such as management companies, public utilities and waste operators, has already been suspended three times. The moratorium has now been extended again until July 1, 2022.

Moreover, for some reason, the mentioned changes do not apply to court orders, of which a huge number are issued in our country, as well as to the decisions of the bailiff himself.

“Let's say the bailiff received a writ of execution clearly drawn up according to the new requirements,” explains Nikolai Potapov. - But in the course of his activities, he issued a resolution by which he foreclosed on the debtor's funds in the bank, but forgot to indicate the TIN or passport number. And a credit institution, having received such a decision, may well make a mistake and block the funds of the full namesake of the debtor. Until our legislator provides for the need for unconditionally identifying information in all executive documents, the full namesakes of debtors will suffer.

Back to news The bailiff will be obliged to identify the "double" and cancel the unreasonably taken measures against his property. In addition, a new type of appeal for "twin citizens" has been created in the Internet reception of the FSSP of Russia. The applicant has two days to consider the complaint, identify the citizen, eliminate violations and respond.

Russia - The debts of the double from the Ural Zlatoust forced the Siberian woman to change her passport