Cashing in mother capital is prohibited by law, but some Russians still decide to speed up the receipt of money, as a result of which they lose their funds. Mothers are left without money, with loans or illiquid housing, which were bought cheaply, but they cannot go to the police, because an attempt to cash out a certificate is a fraud. Affected women talked about common scam schemes related to maternity capital.

“Left with a miserable little room”

15 years after the introduction of maternity capital, Russians still trust fraudsters who offer them “legal” to cash out payments from the state. The 31-year-old mother of many children, Kristina (the name was changed at the request of the interlocutor) from the Sverdlovsk Region, also got into such a situation.

“A year ago my third child was born, my husband left and it became difficult with money. I had an unrealized mother capital, but it is impossible to buy an apartment with it. Waiting until the children grow up (the capital can be spent on studies) is also not an option. A few months after giving birth, I saw an ad on a post near our hostel - it was proposed to “legally” cash out the capital, ”she said.

The woman called the number listed on the leaflet and made an appointment. At the meeting, the scammers began to talk about simple methods to get around the law and get money - because of the presence of three children, Christine was promised a discount for the procedure.

“They asked for only 10% of the amount indicated on the certificate. I thought this was the ideal option. As a result, I wrote out a power of attorney to dispose of the mother capital - they had to buy some room or plot for a very cheap price, and the FIU would have paid the full amount, ”said the victim.

A month later, she was asked to come and see the apartment, which the attorneys were allegedly going to buy. Christina saw a tiny dwelling in a terrible state - for a maximum of 100 thousand. rubles.

“We signed the documents and that's it - they disappeared with my money. I was left with this wretched closet and without a certificate. I don't even know how much they bought this hole for. I think that this is some acquaintance of theirs, with whom they later shared my money. She didn’t go to the police because, as it turned out, she herself became a criminal, ”she concluded.

Small land on credit

Oksana, a 25-year-old mother of two, from the Ryazan region, spoke about another scheme. The scammers convinced her to buy a plot of several hundred square meters under a loan. The land was worth almost three times less than the amount of the mother capital.

“After all this, I completely stopped trusting people. After receiving the certificate, they called me and offered to receive the money faster than it should be by law. We were invited to a meeting - the funny thing is that their office was in the same building as the Pension Fund, ”the woman said.

On the door of the office it was written that this is a cooperative, which also provides legal services - this convinced Oksana of the truthfulness and legality of their actions.

“I was offered to buy a small piece of land on credit at 0.9% per day. They say the plot itself costs only 70 thousand rubles, and the loan is quickly repaid, and the rest will be paid to me after the purchase. My mother and sister became my guarantors - that was one of the conditions, ”the woman shared.

As a result, Oksana bought and formalized the land, but she was summoned to the FIU and threatened with fraud charges, since the amount of capital was obviously more than the value of the site.

“The deal was canceled, but difficulties arose with the company. While the problems with the land were being solved, my debt increased to 320 thousand rubles, and the scammers threatened to sue in order to recover the entire amount. My lawyer is trying to stop all this, but so far there are no guarantees, ”she clarified.

According to the Ministry of Internal Affairs, there are other methods of deception that are actively practiced by fraudsters. For example, consumer cooperatives buy land for a penny somewhere in the wilderness, divide it by three or four hundred square meters and issue it to the owners of the certificate - the cost of such a site is a maximum of 10-15 thousand rubles. At the same time, firms take 100-150 thousand rubles from the recipient of the mother capital. Then they give a loan for the construction of a house and supposedly cover it with mother capital, without doing anything.

Fines and imprisonment

The Pension Fund of the Russian Federation regularly reminds: all proposals for cashing out mother capital are fraudulent. The certificate cannot be cashed, exchanged or sold.

In 2021, the size of the mother capital amounted to 483,882 rubles for the first child, at the birth of the second, it increases by 155,550 rubles (the total amount for two children is 639,432 rubles). Since maternity capital for the first child was introduced in 2020, families where the first child was born before that time receive capital for the second child in the amount of 639,432 rubles.These funds can be used to improve housing conditions, including the repayment of the principal debt or the initial payment on a mortgage, the education of the child, the mother's funded pension, as well as goods and services intended for the social adaptation of disabled children from the corresponding list.

All cases when cashing out are classified as "embezzlement of budgetary funds" and "illegal receipt of maternity capital", in fact, this is Art. 159.2 of the Criminal Code of the Russian Federation. Any transactions with maternity capital that contradict Art. 7 FZ "On additional measures of state support for families with children" No. 256-FZ.

Responsibility for a crime depends on many factors: the commission of a wrongful act by one person or a group of persons, the use of official position, the amount of funds received. Depending on the existence of these circumstances, the punishment can vary from a fine of 120 thousand rubles to imprisonment for 10 years and the collection of a fine of one million rubles.

Also, the funds received as a result of the commission of a crime under Art. 159.2 of the Criminal Code of the Russian Federation, are returned to the FIU in the framework of a civil claim in a criminal case or in the procedure for filing a claim within the framework of civil proceedings. In other words, a parent who turns to fraudsters for "help" and subsequently gets caught by law enforcement officers will be obliged to return the certificate for mother capital to the state.

bbabo.Net