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All day was necessary for readers to discover a client who had forgotten money in the Belinvestbank case. The story did not end because the extraterrestrial returned home and does not seem to go to Minsk next year. What will happen to his money?
News on how the money falls by mistake at the customer, and then remain cashiers, meet regularly. We collected simple questions and sent them to the bank. OJSC General Manager of Belinvestbank for Minsk and Minsk Region, Igor Ishchenko, replied:
– Do you have any statistics for which mistakes are most often made? So you turned to the customer's photo, and it was almost the first time in a year. And in the reverse order (when the cashier is mistaken in favor of the client) – occurs every month
– Judging from the periodicals that appear periodically in the media, one really feels that the cashiers are constantly wrong. In fact, those who leave money themselves, no less, simply do not talk about it. As a rule, customers who have forgotten money, return very quickly to the bank for forgotten money. And in the opposite case, with rare exceptions, customers must look for
– What is the responsibility of the cashier in case the customer would have forgotten the money?
– She is not: the cashier has not committed any illegal action the customer has forgotten the money. In addition, the cashier is not even required to remind the client of the need to recalculate the cash. Nevertheless, near each box office in a bank you will find such an announcement: "Statement on scarcity or identification of banknotes, coins that have signs of wrong, is not responsible if the money was not recounted in the presence of an authorized representative of the bank Your right not to recalculate, but then, in case of shortage of money, a procedure standard is included: a statement to the bank and an audience, an badysis of the situation.As a result, something that could be repaired right away will be delayed for some time.
Mistakes that cashiers have, say that we are people, not cars In the field of credit and finance, we talk about operational risk.Highly qualified specialists badyze the causes and develop actions to minimize them.
– When the customer makes a mistake and do not take d no money, for example. Does the cashier have the physical ability to leave him money?
– No. The recording from CCTV cameras is constantly not only on the outside, but also inside the box office. If questions arise, the answers to these questions are rather quick.
– When the credit union throws money by mistake, what measures does the bank take in the first place? Or immediately call the police? This is not a pleasant thing to do when, not because of your mistake, your picture appears among the wanted people, as if you were a criminal. Is it too much?
– In this case, we are talking about the responsibility of the cashier and the person who took away from him what does not belong to him. It is clear that there are situations where we do not recalculate the amount we receive, or recalculate mechanically, put money in a stock market and go away. And notice much later. It seems to me that money should come back, I can not even talk about it. With the voluntary return of additional money, no legal and legal consequences are threatened.
If a person decides to act differently, she is guilty of an offense under Article 209 of the Penal Code. Everyone has an agreement on individual responsibility, and if a shortage is identified and the customer who wrongly received additional money is not found, then as part of this contract he / she must refund the missing amount. At the same time, the bank conducts a thorough investigation into these situations, establishes the reasons that led to a miscalculation to minimize operational risks in the future.
– The customer forgot the money, the conscientious cashier handed them to the bank. More out of the sum?
– The teller must reflect the surplus funds in the relevant documents. And it does not matter, he found them himself or about the forgotten money in the transfer device of the case is reported by the person who stands next to the line. Then the following procedure is launched: the money forgotten by the customer at the checkout is placed on a separate account, and the department specialist to work with the values is connected to the situation. Its functions include an operative badysis of the situation: identification of the operation to which the incident occurred, visualization and comparison of the data with the recordings of the CCTV cameras, search of the client on the information kept in the payment document. The easiest way is to find the customer name and pbadport details when performing the operation, it is not difficult to find it. To find a customer who has forgotten about the money you can and by the final beneficiary. If necessary, the security service of the bank is connected to the search, and sometimes it is necessary to contact the media.
According to the legislation, the limitation period is 3 years. The limitation period is 5 years. This means that during such a period, the customer can ask the bank for a refund. There were similar cases in the bank when customers forgot money, but they applied themselves, wrote a statement.
– How many days does it take to pay back the money?
– 15 days – the official deadline for considering any type of treatment is the general order in the country. But the bank never specifically delays the solution of these problems. If the cash register is located in the building, the recording of CCTV cameras to badyze the current situation is available the same day or the maximum the next business day. So a day or two – and he gets money. But if you have to apply to get a recording of cameras from remote workplaces, to know that this situation has happened to our client (there was a lot of criticism in the readers' comments that we did not inform a long time), it will take longer. In addition, the process was delayed also because of the long weekend.
– A customer who has forgotten this money, a foreigner, is abroad. How are you going to act?
– This case is unique. The day after the publication of the note on Onliner.by, there were several responses from readers who learned from the photography of a forgetful client. According to the information they provided, it is about a citizen of another state who has already left Belarus, which explains that he did not get back behind money forgotten.
According to the established procedure, the money is refunded upon written request of the customer, he had forgotten the money. The customer comes personally to the bank with a statement and a document proving his identity.
The precedent is that there is no one in our country, and the money transaction was made without documents to identify the customer, there is only one. a video recording. As, according to available information, he did not plan to visit Belarus the following year, we must determine the options for actions that will not contradict the law, for the quick return of money. Neither the client nor we are interested in delaying the process.
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