Express credit bank official. LLC "Commercial Bank" Credit Express

The situation when money is urgently needed is familiar to every person. You can borrow a couple of thousand rubles from friends, but for larger amounts you have to contact credit organizations. To solve your problems, Home Credit Bank offers to quickly issue an express loan in the amount of 10,000 rubles. With us, you can get out of a difficult situation - make the necessary purchase, pay off an urgent payment or spend money on other purposes.

We offer favorable conditions for cooperation - an express loan is issued on the day of application at a rate of 11.5% per annum. We do not need collateral and guarantors: fast loans are approved on the basis of a Russian passport and two documents to choose from - an international passport, SNILS, a driver's or pension certificate. In return for loyalty and advantageous offers, we received the trust of millions of Russian citizens - Home Credit Bank ranks 7th in the consumer lending segment (the position was assigned by the authoritative analytical agency Frank Research Group).

Express cash loans

We invite new and regular customers to cooperate. Express cash loan on the day of application is issued under the following programs:

for regular customers- the amount of 10 thousand rubles for a period of 1 year;
for new clients- the amount of 30 thousand rubles for a period of 1 year.

It is easy to take an express loan, and it is just as easy to repay it. We accept payment via:

automatic payroll deductions;
ATMs, cash desks and the website of Home Credit Bank;
information services "My credit" and "Internet-Bank";
Eleksnet terminals, Qiwi terminals and electronic wallets;
ATMs and cash desks of third-party banks;
payment points "Zolotaya Korona";
Russian post office.

To monitor the receipt of payments, you can connect SMS-informing, use the "Mobile Bank" and "Internet Bank" applications, subscribe to a free e-mail newsletter or order regular paper notifications by mail.

What do you need to apply for an express loan on a passport?

Russian citizenship and permanent registration on the territory of the Russian Federation.
Permanent source of income and a positive credit history.
Two additional documents to choose from.
Age from 22 to 70 years.

We show maximum loyalty to our customers - express loans are issued without guarantors and without collateral. Moreover, you do not have to collect certificates confirming employment and income.

How to get an express loan?

You can apply for a quick loan at the nearest branch of Home Credit Bank or directly from home - just fill out the form on the website. Online applications for an express loan are considered urgently - as a rule, an SMS notification with a preliminary approval of the loan arrives within 2 hours after sending the questionnaire. For the final decision and obtaining an express loan, you need to visit the office and provide the Bank employee with the necessary documents.

The collection agency Credit Express (creditexpress.ru) was founded 17 years ago in 1999 in Eastern Europe by Eastern European experts in the field of work with overdue debts of credit institutions.

At the moment, the company is represented in 10 European countries, including Russia, the total number of employees exceeds 1300 people.

The main principles of work of Creditexpress is a legal, legal solution of issues with the debtors of its Partners, without violating the laws of a particular state.

Being a representative of the European level of service, Credit Express quickly won the trust of Russian creditors. The company's clients are well-known domestic banks and microfinance organizations. Including Renaissance Credit and.

Company advantages:

compliance with state laws
observance of the rights of debtors
application of only ethical measures to collect debts
maintaining the reputation of a partner
observance of "bank secrecy"
fast and efficient work
geography of work - all of Russia
active use in the work of telecommunication methods of contacting customers (calls, SMS mailing, etc.), without going to addresses

Official website and personal account

The official website of the Credit Express collection agency is located at www.creditexpress.ru, the company's personal account can be found there.

What can be done in the Creditexpress personal account:

you can see the amount of your debt
loan agreement details
the name of the creditor you owe
you can pay off debt, etc.

In order to register in the personal account of the Credit Express company, you first need to enter your registration number in the EC database and password, which are usually indicated in a written notice of the existence of a debt sent to the borrower's address.

Thus, not being a client or debtor of Credit Express, you cannot register a personal account and get into it.

Services

Creditexpress.ru provides a full range of debt collection services to its clients. It was Credit Express that set the standards and the classic range of services that any KA now offers.

Services:

debt collection from the first day of delay
full support of the collection process
dealing with bad debts
work to victory (even if it takes 15 years)
work according to the individual scheme of the client
purchase of debt portfolios

More specific offers of Credit Express can be found by contacting the company at its official contacts.

Address - Moscow, Butyrsky Val street, 68/70, building 1

Phone – 495 726 56 53

Email – [email protected]

How to find out debt

To find out your debt in Creditexpress.ru, you can take the simplest steps:

call the company's phone number and give your name
wait for a written notification of the existence of a debt by mail
if you are already a CE client, you can see the amount of your debt in your personal account

If you have never taken loans from any lender, then you cannot have debt. And if the EC sends you notifications about the presence of a debt, then read below how to write it off and how to deal with the arbitrariness of collectors.

Fraudsters working under Creditexpress

The situation is this - since 2010, many residents of Russia and even Ukraine began to receive standard paper letters from a certain company CreditExpress, which in turn required them to pay the current debt on the loan and other services. Details in the letters are attached.

How to fight

Let's split the question into two:

how to deal with the official company CreditExpress.ru, if you are a valid debtor
how to deal with scammers who hide behind the name CreditExpress

How to deal with legal collectors from Credit Express if your loan is already closed:

send a letter to the address and name of the company with a notification of receipt, with a set of documents on repaid your debt and with a written notification to file a complaint with the relevant authorities, where put links to the current articles of the Civil Code of the Russian Federation and the Criminal Code
if you do not have the necessary certificate from the creditor, go and take it, and again follow the first step
if the attack from collectors does not stop, write a statement to Rospotrebnadzor, the Central Bank of the Russian Federation, the police and the prosecutor about the ongoing violations of your rights

How to deal with legal collectors from Credit Express if you have a debt:

if employees violate the law on collection activities and the law of 06/21/2016 "On liability of collectors", then submit an application with attached facts to Rospotrebnadzor, the Police, the Prosecutor's Office and the Central Bank of the Russian Federation
if employees act within the law, either endure or find the strength to pay off the debt

How to deal with scammers?

First, you need to understand for yourself whether the game is worth the candle. If you were sent a one-time letter with a "wiring", then maybe you should just "score" on it. If you are bothered, then even in this case you are unlikely to be able to get the truth (law enforcement agencies will not initiate a criminal case on such a precedent, even if letters are sent to all citizens of the Russian Federation). There is only one way out - just wait until the scammers calm down.

Bank loans have become so affordable today that most borrowers have fallen into debt and are unable to repay loans to the bank. It is quite difficult and costly for the banks themselves to collect debts from their clients, because for this you need to organize a specialized department. The most reasonable way out for the bank is to sell, or, more precisely, to transfer, under an agency agreement, the debt to a collection agency. That is why in our country such a business as a collection agency has become quite profitable. One of these agencies is the collection agency Credit Express Finance, in which debtors on loans have already managed to collide.

About collectors

Before reviewing creditexpress Finance, it is worthwhile to figure out who collectors are today and what they do. They are primarily faced by debtors on bank loans, that is, they position themselves as professional collectors of overdue debts. In simple words, their task is to return the debt to the creditor by any means, for which they receive their remuneration, if we talk about its size, it can reach up to 90% of the total debt to the bank.

By the way, banks rarely sell debts on consumer loans to collectors, because this “product” is of little interest to them because of the low cost, they mainly operate under an assignment agreement.

If we talk about the company Credit Express Finance, then its task is also to repay the debt on a previously issued loan to a lender or bank. If the debt was sold under an assignment agreement, the borrower is released from his obligations to the bank and becomes a debtor to the collection agency.

In the fight against malicious defaulters of bank loans, collectors often use illegal measures, exert psychological and moral pressure. Numerous reviews of debtors allow us to judge this, however, we will analyze them later. In general, in simple terms, Express Finance loan is an organization that tries to collect debt by all means, in turn, debtors need to know exactly what a Creditexpress Finance collection agency is, how to deal with them.

About company, official site

If this is the first time you have encountered such a collection agency as Creditexpress Finance, the official website will help you find answers to your main questions. In short, the company is one of the leaders in the Russian market in the field of collection of overdue debts. In addition, the company has a representative office in 10 other European countries. The company operates only in accordance with Russian legislation and is guided by ethical principles in order to carry out its tasks.

By the way, on the official website you will find online access to your debt obligations, for this you can go to your personal account using the registration number, you can find it in a written notification from the collection agency.

Insofar as the company operates in 10 countries around the world, it has extensive experience in collecting overdue debts, and it is worth noting that the company's debt collection standards bring good results. In addition, professional collectors find a special individual approach to solving each individual problem, while employees remain friendly and loyal to their customers. At least, such information is indicated on the official website, how the situation looks in reality.

Methods of influencing debtors

As mentioned earlier, the company assures its customers that it acts on the basis of the current legislation of the Russian Federation. That is, they do not have a physical or moral impact on the debtor, do not distribute their personal data. In general, their method of influence is a constructive dialogue, during which agents are ready to offer the best solution for each loan debtor and his issue with overdue debts. In simple words, they offer ways to pay off the debt, depending on the situation of the client.

Now let's look at some interesting facts about Creditexpress Finance. Do they need to be paid, because this is precisely the very first question that may be of interest to a potential debtor. When transferring a debt to a collection agency, the bank is obliged to notify that it will assign its rights of claim to a third party, that is, a collector. After that, the debtors begin to receive other letters, directly from the collectors, which indicate the details of the payment and the amount due, as well as the minimum terms during which the payment must be made. Undoubtedly, after such events, many hurried to pay their debt, but that was before, now most debtors no longer respond to such a measure of influence.

sample letter from collectors

Another measure that is attached to collectors is a notification of a visit, which states that the enforcement department will visit the debtor in the near future and sell his property to pay off the debt. First, there is no enforcement department. Secondly, either its owner or a bailiff has the right to sell property within the framework of enforcement proceedings. Thirdly, creditexpress Finance does not go to its customers, that is, it does not have an exit group.

Important! All letters from collectors are a method of psychological influence on the debtor; the threats indicated in the letter are unlikely to be accepted for execution.

Now to the question, do I need to pay collectors? Of course, if you have a debt to a bank or other creditor, then you must return it, find any ways to pay off the debt, but paying collectors is not the most profitable and reliable option for you. Even if professional collectors have come to your house, you can politely answer that all issues will be resolved only through the courts. If you transfer money to people who pretend to be collectors, you have no guarantees that the amount will go to pay off your debt, the receipt you receive has no legal force.

Why you need to wait for the court:

By court order, you legally pay the entire debt to the creditor without intermediaries.
The court may take into account that the amount presented to the debtor is greatly overestimated in comparison with its real debt.
Pays debts through bailiffs or directly to the creditor, you risk nothing.

is a popular banking product that is widely in demand due to its simplicity and speed of registration. Express credit can be taken for the purchase of goods, travel, treatment and other needs. Consideration of the application and processing is fast, which is ideal for those who urgently need a loan.

Where to get a quick loan?

Fast cash loans on a card are issued on the same terms as regular ones. The interest rate, term and amount of the loan depend on the status of the payer. Clients who receive a salary to an account in this bank, have a deposit or already repaid loans, can count on more attractive conditions.

Requirements for the borrower:

age from 18 years;
citizenship of the Russian Federation and registration in the region where the loan is issued;
having a stable income;
six months of experience.

Documents to be submitted to the bank:

Russian passport;
certificates confirming income and official employment;
other documents at the request of the creditor.

The more documents the client can provide, the higher the probability of getting an express day loan on credit on good terms.

Bank offers

An amount of up to 4,000,000 rubles for a period of up to 180 months can be obtained from several banks in Russia:

Terms and conditions for express loans

	Documentation
Tinkoff Bank	Russian passport, application		from 18 to 70 years old
		without guarantee	from 21 to 68 years old
Sauber Bank	passport, 1 document	without guarantee and income statement	from 21 years old
	RF passport, application, 2-NDFL, etc.	without guarantee	from 21 to 69 years old
Setelem Bank	Russian passport, application	without guarantee and income statement	from 21 to 65 years old

For registration, you will need a passport, an application and documents confirming income. A loan without certificates and guarantors can be obtained at an increased interest rate.

How to get an express loan online?

You can choose and apply for an urgent loan without leaving your home, on our website:

Fill out a simple search form - enter the desired amount and term of the loan, mark additional conditions if necessary.
From the list of loan offers, select the most suitable one by clicking on the "Submit Application" button.
On the page that opens, fill out the form and send the data to the bank.
After a preliminary review, a credit manager will contact you and inform you about the next steps.
Upon approval of the loan, the funds will be transferred to the account by bank transfer or issued at the cash desk of the branch.

The online loan selection service is a simple and functional tool that allows you to remotely consider offers from different banks and receive money on the same day. Applications via the Internet are accepted around the clock and are considered as soon as possible.

Methods for issuing and repaying loans

Options for issuing credit funds and repaying debt depend on the conditions of a particular loan program. As a rule, the client is given the opportunity to receive money at the cash desk of the branch or by transfer to an account or card. You can repay the debt in any convenient way: through ATMs and payment terminals, at the cash desk of one of the bank branches, using a mobile or Internet bank.

Where else can you get a loan urgently without refusal?

Borrowers with bad credit history, as well as persons who cannot officially confirm their income, as a rule, do not inspire confidence in banks and are often denied loans. It is easiest to get a quick loan without references and without checking the CI in an MFI. You can view the offers of various credit organizations and apply for a loan online on our website in the "Loans" section.

Banks that give loans without checking credit history run the risk of not getting the money back, so the rates on such loans are quite high. At the same time, the client can receive money on the passport quickly and without lengthy checks. This is a good option for those who need an urgent cash loan.

Full name LLC Commercial Bank Credit Express City of Rostov-on-Don License number 3186 | Information on the website of the Central Bank Reason for license revocation Date 15.03.2018 Reason for license revocation authorized body of information, including on transactions subject to mandatory control.

A proper assessment of the accepted credit risk, carried out by the bank at the request of the supervisory authority, revealed a significant decrease in the amount of own funds (capital) of the credit institution and the existence of grounds for the implementation of measures to prevent insolvency (bankruptcy), which created a real threat to the interests of its creditors and depositors.

The Bank of Russia repeatedly applied supervisory response measures against CB Credit Express LLC, including twice imposing restrictions on attracting household deposits.

The management and owners of the credit institution have not taken effective measures to normalize its activities. Under the circumstances, the Bank of Russia decided to withdraw LLC CB Credit Express from the banking services market.

The decision of the Bank of Russia was made in connection with the failure of a credit institution to comply with federal laws governing banking activities and Bank of Russia regulations, repeated violations within one year of the requirements provided for in Article 7 (with the exception of paragraph 3 of Article 7) of the Federal Law "On Counteracting the Legalization (Laundering ) proceeds from crime and financing of terrorism”, as well as the requirements of Bank of Russia regulations issued in accordance with the said Federal Law, taking into account the repeated application within one year of the measures provided for by the Federal Law “On the Central Bank of the Russian Federation (Bank of Russia) ”, taking into account the existence of a real threat to the interests of creditors and depositors.

In accordance with the order of the Bank of Russia dated March 15, 2018 N OD-630, a temporary administration was appointed to LLC CB Credit Express for a period of validity until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of a bankruptcy trustee or appointment in accordance with Article 23.1 Federal Law "On Banks and Banking Activity" of the liquidator. The powers of the credit organization's executive bodies have been suspended in accordance with federal laws.

LLC CB Credit Express is a member of the deposit insurance system. The revocation of a banking license is an insured event provided for by Federal Law No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation” in relation to the bank's obligations on deposits of the population, determined in accordance with the procedure established by law. The specified Federal Law provides for the payment of insurance compensation to bank depositors, including individual entrepreneurs, in the amount of 100% of the balance of funds, but not more than 1.4 million rubles in total per depositor.

Help site

The bank was registered in December 1994 in the Rostov region as a closed joint stock company. In August 1997, it was transformed into a CJSC, and in June 1999 - into a limited liability company. The full and abbreviated names of the bank in different periods changed to "CreditExpressBank", CB "Credex", CB "Credexbank". Since March 2005, the bank has been participating in the deposit insurance system for individuals. In 2014, the bank was twice brought to administrative responsibility for non-compliance with the requirements of the law, provided for by Part 1 of Article 15.27 of the Code of Administrative Offenses of the Russian Federation, in both cases the bank was issued warnings.

By the end of 1997, the main shareholders of the bank were individuals: the former head of the production department of NPO Select (Shakhty, Rostov Region) Vladimir Gritsenko, directly and through a controlled organization, owned a 19.28% stake in the bank; former director of RossHolding LLP and Trust Center CJSC (both organizations of Rostov-on-Don), Deputy General Director for Economics and Finance of Domostroitelny Soyuz OJSC (Rostov-on-Don) and bank director Mikhail Kolmykov - 6.81% ; Deputy Chief Engineer of the Mayskaya Mine of Rostovugol Joint-Stock Company Viktor Yarotsevich - 6.28%.

At the moment, the main shareholders of the bank are the chairman of the board of directors Anatoly Kozyrev (23.33%), director, member of the board of directors Alla Kabanova (17.00%); a share of 10.00% belongs to a private individual Ivan Babich, a member of the board of directors Tatyana Makarenko owns 9.90% of the shares of the company, a member of the board of directors Vasily Boyko-Veliky, as well as his wife Anna Boyko-Velikaya and mother Tamara Boyko-Velikaya jointly own 7 51% of the bank's shares through JSC "Your Financial Trustee", Vladimir Bagryantsev, Vyacheslav Lungullo control 7.11% each, Alexey Kulikov - 5.00%, Galina Lysenok - 3.00%, Viktor Yatsenko - 2.50%, Pavel Gromov - 2.00%, Alexey Averyanov - 1.50%, Tatyana Voronina, Olga Khrustaleva, Viktor Suprunov - 1.00% each, Svetlana Sidelnikova - 0.99%. Mikhail Kolmykov is currently on the list of minority shareholders with a stake of 0.04%.

In addition to the head office in Rostov-on-Don, the bank's branch network is represented by branches in Moscow and Irkutsk, five additional and one credit and cash office, as well as one operating cash desk outside the cash center. Almost the entire network of divisions is located on the territory of Moscow and the Moscow region, except for one credit and cash office (Vologda region). The network of own ATMs is not developed. The headcount as of October 1, 2016 was 93 people.

The Bank provides its customers with general banking services, accepts deposits from legal entities and individuals, engages in lending to legal entities and individuals (consumer and mortgage loans), performs operations with securities and invests in closed-end investment funds, provides a range of services related to foreign economic activities, issues bank guarantees, works with MasterCard bank cards, makes transfers without opening an account using UNIStream, Western Union, CyberPlat and Handy Bank systems.

Among its largest corporate clients, the bank names Alutech Group of Companies, United Energy Construction Corporation OJSC, Sesam CJSC, Tver Enterprise Hydroelectromontazh CJSC, Tverenergomontazh CJSC, Garmet CJSC, Inkom Corporation, GK Soyuzsnab and others. The bank notes that a number of public and political figures, top managers of some large Russian companies, leading experts and show business executives place significant amounts of money on its accounts. In total, there are more than 2,000 clients in the bank - legal entities and individuals.

For the period from January 2016 to March 2017, the net assets of the financial institution showed a slight decrease - by 91.2 million rubles, or 3.5%, and as of April 1 amounted to 2.5 billion rubles. In the passive part of the balance sheet, the decrease was shown by the amount of funds on the accounts of corporate clients (-175 million rubles), while the balance sheet shows a positive trend in the portfolio of own promissory notes issued (+163 million rubles), deposits of individuals (+141.5 million rubles) and own capital (+69.7 million rubles). In the active part of the balance sheet, there is a decrease in the volume of highly liquid assets (-172.3 million rubles), investments in bank bills of third-party issuers decreased to zero, and the size of the loan portfolio also decreased (-37.7 million rubles). At the same time, the bank increased the volume of issued interbank loans (+159.2 million rubles) and other assets (+43.3 million rubles).

The basis of the resource base of a credit institution is formed by deposits of individuals, whose share as of April 1, 2017 is 48.4%. Almost the entire volume of deposits was attracted for terms from one to three years (93.2%). The bank's own funds account for 29.9% of net liabilities. It should be noted that the capital includes subordinated loans for a total amount of 212 million rubles attracted for terms of five to ten years. Funds on settlement accounts and deposits of legal entities form 25.4% of the bank's liabilities, own issued promissory notes - 7.7%. The bank's client base is small, the turnover on client accounts is in the range of 1.9-3.2 billion rubles a month. Dependence on the funds of individuals is assessed as high.

A significant part of the net assets is represented by the loan portfolio (75.9%), another 7.8% are highly liquid assets, 6.4% - liquidity placed on the interbank lending market, 5.8% - fixed assets and intangible assets, 4.1 % formed by other assets.

The loan portfolio - 1.9 billion rubles, or 75.9% of net assets, since the beginning of 2016 showed a decrease by 1.9%, or 37.7 million rubles. The negative dynamics for the period under review was demonstrated by the retail loan portfolio, which decreased by 81 million rubles, or 13.6%. At the same time, the corporate loan portfolio showed an increase of 43.3 million rubles, or 3.1%. In addition, there is a decrease in overdue debt by 90.1%, in connection with which the share of overdue debt in the total volume decreased from 2.1% to 0.2% as of April 1, 2017. The portfolio provisioning level also decreased in dynamics, amounting to 5.2% as of the reporting date (7.9% as of January 1, 2016). The loan portfolio is collateralized by 64.9%, which is an insufficient level of security. According to IFRS reporting, the bulk of the loans were provided to trade and construction enterprises. The loan portfolio is predominantly long-term: the share of loans issued for a period of more than one year is 69.9%.

Since the beginning of 2016, the volume of highly liquid assets has almost halved, amounting to 199.4 million rubles as of April 1, 2017. The main decrease is observed on the correspondent account with the Central Bank of the Russian Federation and at the bank's cash desk (-80.3 million rubles and -62.1 million rubles, respectively). As of the reporting date, 68.9% of highly liquid assets formed a cash balance, another 16.6% and 14.5% accounted for nostro accounts and the balance on a correspondent account with the Bank of Russia, respectively.