In today’s world, one of the crimes in the society is the economic crimes that are committed in some banks and financial institutions. Bank violations can be in direct contact with customers and individuals or without contact with them. Is it possible to sue the bank in case of monetary crimes? Are banking violations handled? If we find out that the bank has committed a violation, can we complain about it? If the answers to these questions are important to you, stay with us until the end of the article.
What is meant by Bank violations?
As can be seen from the name of these crimes, these crimes are directly related to money. Since these crimes are related to society and the general public, the law will be very strict against them. If the violation of the person is big and serious damage is caused to the public interest, the corrupt person will be introduced and will be severely punished.
What are the types of economic crimes?
There are different types of economic crimes that you may not have detailed information about. Therefore, if you know that you have been financially abused in a contract, it is better to seek the use of a bank lawyer to sue the bank to claim your rights. Bank lawyers have more information than other lawyers, and the possibility of collecting your claims with their help is higher.
Note that some economic crimes are divided into money laundering and disrupting the country’s banking system, and others into monetary and banking crimes. On the other hand, banking violations can be divided into the following two categories:
– economic activities that are fundamentally illegal; Like gambling and betting
– Crimes that are committed after the legal establishment of companies to impose more profit; Such as non-payment of wages, violation of commercial laws, etc
Money laundering refers to activities that cause deception and deception of officials while performing their duties. In fact, criminals offer deceptive work to legitimately show their monetary gain. Most of the time, money laundering crimes are committed by people who did not play a role in committing the initial crimes or are unaware of it.
Riba and interest
Another banking violation is receiving usury and interest. Riba and interest cause disruption in the economic system and are considered a crime against the country’s economic policies; Because the receiver of usury will receive amounts criminally and without any economic and commercial activity.
Forgery of bank notes or bank documents
Among other economic violations that are general, is forgery of bank notes and bank documents. These crimes are considered as disruptions in the monetary and financial system of the country and according to its amount and size, it has a severe punishment.
The most common customer-related banking claims
As mentioned above, some financial crimes such as money laundering are done publicly and others are directly related to individuals. In order to avoid these problems and deal with banking violations, it is better to pay attention to all the clauses of the contract or get help from a banking lawyer. Among the most common financial problems that people may face with banks are the following:
Complaining to the bank for providing loan benefits
If in the process of repaying the loan, the borrower claims that the bank has made a mistake in calculating the interest and the bank is not willing to provide documents and documents, the person can sue the bank to provide the loan amount.
Complaint due to non-payment of mortgage
In many cases, the bank mortgages a property as a guarantee for obtaining a loan. If the customer fulfills all his obligations and pays the installments on time and settles the property, the bank must mortgage the property. If the bank refuses to do this for any reason, you as a customer can complain to the bank by submitting documents.
Complaint for non-return of guarantee documents
After settling the loan, the bank is obliged to return all the guarantee documents to the lender. If, after following up with the customer, the bank still refuses to return these documents, you can sue the bank with the help of a banking lawyer, asking for the return of the check or promissory note that you gave as a loan guarantee.
Complaint to cancel the terms of the contract
As mentioned above, before signing any contract whether in the bank or in any other place, read all its clauses carefully and then sign. If your banking information is lacking, you can ask a lawyer to be with you when signing the contract and check the clauses in the contract. However, even after signing the contract, it is possible to complain to the bank and deal with violations. Even after signing the contract, if you find out that one or more clauses of the contract are written against the law or bank regulations, you can complain to the bank about the contract and if the court’s decision is in your favor, the contract will be canceled.
Complaining about the bank, real or legal?
Complaining about bank and banking violations can be a bit confusing and difficult for people. First of all, we must know that the bank is a legal entity and in case of a complaint, it will be able to be prosecuted. A complaint against the bank can be made in two legal or real ways according to the type of violation. For example, if a bank employee withdraws money from a customer’s account or receives a bribe for providing services, the customer can complain to the bank as a natural person.
If the rules of the bank or the orders of the board of directors in the terms of the contract, calculation of profit or other cases lead to doing illegal things, the party to the complaint account is the legal entity of the bank; Therefore, in order for your complaint to be made in a correct and principled way, you must know exactly who you should complain to and with what plan.
How to complain to banks
The best way to deal with banking violations is to complain to the banks and pursue them legally. To complain to banks and banking institutions, you have several steps and ways ahead of you:
1- In the first step, you can raise your complaint with the head of the bank or credit institution. The bank is obliged to review the issue within 30 working days and inform you of the final result.
2-If your problem is not solved in the first step, you can complain to the central bank’s supervisory deputy. In this case, the central bank will review the issue and inform you of the result based on the existing circulars. After submitting the verdict, the concerned bank is obliged to act on it. The CEO or vice president of the bank and financial institution can appeal to the central bank for re-examination within 10 days after the notification of the order.
Is there a difference in how to complain about public and private banks?
Another ambiguity that may occur to you in dealing with banking violations and complaining about the bank is the question of whether there is a difference between complaining about public and private banks? In response to this question, it should be said that since the laws of the country’s banking system are unified laws that are applicable in all banks and financial institutions, complaints against banks and financial violations are the same and there is no difference between complaints against public and private banks.
Complaining from the bank to higher authorities
It is possible that after submitting a petition to the bank branch and then to the central bank, your problem remains unresolved. In this case, won’t your complaint go somewhere else? Of course, you can still complain to a higher authority to assert your right. If you want to follow up on the subject of the complaint from higher authorities, you should know that the authority for complaining about the bank is the inspection of the relevant bank, the general court and the inspection of the whole country. We recommend you, considering the complexity of how to complain to the above authorities, to get the help of a bank lawyer to get the desired result.
Undoubtedly, complaining to the bank can be very difficult and troublesome for you. Due to the lack of sufficient information, the court decision may be issued against you. Therefore, using a bank lawyer to sue the bank can be the wisest possible choice. Dadista Law Firm has several lawyers with experience in banking and they will help you in this challenging way.