These measures are designed to help buyers in the secondary market to avoid scams, the newspaper Kommersant. According to CEO Alexander NBCH Vikulina subsequently planned to provide information about the inherent cars through the site office with vin-code.
According to the organization, the number of cars, which NBCH has information to the end of May to reach 200,000, representing about a third of all cars sold on credit. According to executive director of analytical agency Avtostat for 2010 loans have been sold around 637,000 cars worth more than $ 10 billion. And using "gray" schemes are resold to 5% of all cars purchased on credit, the director of the department of retail sales PSB Yegor Shkerin. In the absence of registration of pledges on movable property, including cars, the only document that certifies the right bank for credit car, a vehicle registration document (TCP), which is stored in the bank.
However, this car is the property of the borrower and is registered in his name, so the scammers, passing title from the bank, declare it lost in the traffic police and obtain a duplicate, sell the car. Often they are hidden from the bank and did not repay the loan. The aggrieved party in this case turns out to be a buyer of the car from under the mortgage. Bank of the claim on the mortgaged property and the buyer must give the car to the bank. You can certainly sue the fraudster, but often find it is already impossible.
To combat such schemes the Ministry of Finance was a draft law "On Registration of notices of mortgage or otherwise encumber movable property." In February 2011 the project was published on the site office. The document sets out the requirements for the content of the notification and regulates the registration procedure. The bottom line is that the mortgagee, the state body or a court will have a new responsibility - to notify the authorized credit bureau that certain personal property transferred to the security or encumbered in any way. Provide statements about the condition of the property at the request of interested parties will be the credit bureau. Find out which of these offices are located on a particular machine, it will be in the central catalog of credit histories.
In addition, the project introduces a requirement for which the bureau, the registration notice and the register must have registered capital of not less than 10 million rubles, and have contracts for the provision of information services to a minimum of 50 credit institutions. Some experts argue that such requirements are met at this time only 3-5 CRB, which holds about 98% of all stories.
Prior to the adoption of the law to obtain information on the mortgaged property may be only the borrower or the lender, according to the law on credit histories. Give citizens the opportunity in addition to NBCH planning and other market participants. |
