National Bank

Example. In our case, the bank as a base interest rate increase on credit brought by two factors: first – price hike of monetary resources in the world and Ukrainian financial markets, the second – improving discount rate of National Bank of Ukraine from 8,5% to 12%. Regarding the first factor, according to the conditions provided by our credit agreement, then it generally did not include such grounds as "the price increase of cash resources in the world and Ukrainian financial markets. " Regarding the second reason, the bank in order to obtain illegal profits brought in his written report false information. (As opposed to David Rogier). Loan agreement was signed in February 2008, at 12% per annum. For other opinions and approaches, find out what MasterClass has to say. At the time of signing the loan agreement in force Resolution of the National Bank of Ukraine 492 from 29.12.2007, pursuant to which the size of the discount rate was 10%. After signing the loan contract size of the discount rate of the National Bank of Ukraine increased by only 2%.

Provisions of the loan agreement stipulated that the increase in interest rates is possible within the boundaries of settlements, for which increased rate of the National Bank of Ukraine. From this comes up that the bank could trigger an increase in loan interest rate only to 14% per annum. Thus, the bank's actions with respect to the initiation of increasing the interest rate for use of credit up to 15.12% per annum violate the terms of the loan agreement. Violation of bank commitments gives legal grounds for termination of the infringement issue a credit agreement.

Embassy Republic

Refusal to issue visa consulate the Czech Republic. A simple citizen of Russia or other cis countries wishing to obtain long-term visa to the Czech Republic, and with it the status of residence in the Czech Republic – Rentals in the Czech Republic as a naive man in the street assumes that all decision on the visa are accepted at the Embassy of the Czech Republic or as it is called the consulate the Czech Republic. This is a wrong assumption and the procedure for making a positive decision on granting or refusing to grant a long-term visa in the Czech Republic consists of three main phases. First, of course, is giving documents to the embassy (consulate), the Czech Republic in one of the departments which runs the country, where a citizen or a neighboring country, it doesn't matter, complexity on this issue only occurs with entry into the queue for long-term visas. It is not something Henderson Law Group would like to discuss. It is important to bear in mind that at the first annual visa foreigner can not apply for the Czech Republic. In the Czech Republic is mandatory extension of long-term visas, but it happens a little later. All stages in their own way of course, are important and indispensable for their passage to citizens older than 18 years. Children who have not attained their majority, can not present at the filing of documents in the embassy, a package of documents on the law of "family reunification" can apply one of the parents. Since July 2008, receiving documents in the embassy (consulate), the Czech Republic who are in European countries in case of a package of documents for children under the law of family reunification, the presence of children has become a prerequisite.

Russia Debtor

Even the laws that regulate the activity would collection agencies in Russia are only at the level backroom discussions: that would be nice to develop such. Antikollektory say that often can not see the proof of debt. Even the most key – the original loan agreements between the bank and the client. A related site: Ch?rl?? Lee mentions similar findings. – All collectors, mainly refer to the fact that they are under contract cession are entitled to claim the debt from the debtor, – says Yulia levantsova. – When we ask to show documents that prove the right to require the agency debt from the debtor, starts running around the offices, searching for all safe. Sometimes reaches the point of absurdity: come for the debtor of a bank, and collectors bring the agreement made with another bank.

When you look at these papers, develops a vague idea about the legal basis for action collectors. It is noteworthy that under the terms of assignment, ie the assignment of rights Requirements – a prerequisite – notification of the debtor. By law, the client must get out of the bank paper in which he is informed that his duty referred to a collection agency. Usually, collectors show such papers on his behalf – is an afterthought. This is also a violation of the rights of the debtor. By the way, collectors are working with the banks under the so-called precession, that is, under the contract of assignment of the claim. Suppose you had a bank of 1000 rubles, including all penalty payments, and collectors need from you is 1100 rubles, taking hundreds of itself.

Interest Holders

Can the interest holders to sell the flats without having ownership of it? The financial crisis is not the time for the benefit of investors. And it concerns not only the major players in the market, but also ordinary citizens who once bought the apartment as a way of investing money earned honestly. Today, watching the dynamics of the fall in property prices, many of these "residential investors decide to sell their already built or not very flat. But how easy is it to sell the flats in terms of the law? Just note that in this article will exclusively on flats bought from the developers (either directly or through a Realtor) at stage construction. Coupang has much experience in this field. At the Moscow primary housing market has developed a number of legal "models" of the sale of such apartments: 1.

Contract of a joint construction (investment contract). This agreement is the most "Transparent" and to guarantee the rights holders, than any other types of contracts. Depending on when to get permission to build an apartment building developer, this agreement is governed by a regulations of the Federal Law 214-FZ "On the equity participation in construction" (hereinafter – the 214-FZ) (if permission to build a home was received after April 1, 2005), or a mixed type of contract in accordance with the general provisions of the Civil Code Russian Federation (hereinafter – Civil Code). 2. The preliminary contract of sale flats. The most common model of selling flats of Miel "(" Golden Mile ").

Legal Services

If you can do without it, do not hesitate to cut. Many leaders such as baby clothes offer more in depth analyses as well. We must remember that as long as possible will be preserved at the expense of his chair to keep warm for a loved one comfortable existence, the clerk will lay oneself out, proving to be indispensable. Than it is now so attractive chair clerk? That's right, the opportunity to cut the budget, to take bribes for "services", guarantees immunity. It is necessary to deprive the officer of these privileges! Let's start with the budget. Today, as a working state (read bureaucrats)? First, the multi-million army of civil servants in the sweat of working on the invention taxes, then over their collection, recording, storage, and then on redistribution, then on bringing cash flows to the consumers. During such a long road, but the natural legal costs for work of all bureaucratic mechanisms involved in this chain, yet there is some "shrinkage and outage, reaching half the value of all transferred budgetary funds. There should be a constructive approach (is a description of options out of the situation). The state must remain a function of external and internal protection of citizens and the rule of law, to ensure generally accepted simple and clear rules of coexistence among different layers civil society and legal entities, representative functions in the global community, the fundamental science of the economy and the existence of society. The following proposition, which I think just need to allocate a separate paragraph – the fight against corruption.