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In recent years, making money online has become more and more popular. And there is nothing surprising in this. Who doesn’t want to earn money, but at the same time not to get up every day at seven o’clock in the morning, ride in crowded public transport, sit all day in a stuffy office, listen to the screams of superiors and ridicule of colleagues.

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And scammers began to actively use it. Especially in the field of various kinds of financial services. Trusting people, in particular, pensioners, are easily led to the possibility of quick and easy money, about which pseudo-brokers very skillfully lie to them, and voluntarily give away their last money. Moreover, under pressure, they are even ready to take money on credit, so that later they can give it to scammers.

Such fraudsters include, in particular, Financial Management. As is clear from the name itself, it simulates trading on the Forex stock exchange. This in itself is already very risky and dangerous.

Like all other pseudo-brokers, Financial Management try to pretend that they are working honestly. In fact, they simply deceive people, using specially designed fraud schemes for this purpose.

Inconsistencies between addresses

The fact that Financial Management is a fraudulent company is already indicated by inconsistencies between the addresses and contact details that are listed on their website. Phones are Russian and Austrian. And the main office is in Malta.

So where is the real location of this scammer? Does he even have a real address?

Missing Blue Chip Analysis

Absolutely any broker, if he is really conscientious, will definitely analyze the so-called blue chips. This is necessary in order to help clients trade Forex correctly.

Financial Management has no blue chip analysis as such. If you enter the appropriate query in the Yandex search engine, the system will give links to other sites in general. There will not be a single word about Financial Management. Instead, it provides links to really honest brokers, in particular to VTB.

And since Financial Management does not analyze "blue chips", then by and large it cannot be called a broker.



Missing QUIK terminal

The broker, whose activity is really legal, provides its clients with the QUIK terminal, which is a special program for trading on the stock exchange.

Let's see if Financial Management has one. To do this, again, we will use the Yandex search. So what do we see? Nothing again. Only links to the terminal itself.

What does it say? The fact that Financial Management only pretends to be a conscientious broker, in fact it is not.

Forex calculator missing

The most important sign of the honesty of a broker is the presence of an online Forex calculator. It would seem that Financial Management should definitely take care of this. But no, we enter the appropriate search query in Yandex and look at the results of the issuance.

Here the system immediately gives us that this broker is a scammer. Otherwise, they would have placed an online calculator on their website so that customers themselves could calculate everything.

From the documentation on the scam site, there is the following:

1. Terms and Conditions;
2. Policy for depositing and withdrawing funds;
3. Anti-money laundering policy;
4. "Know Your Customer" policy;
5. Privacy Policy;
6. Risk Notice.

In general, the reputation of the Forex broker Financial Management on the Internet cannot be called good. If we analyze the top Yandex results, then 2 out of 3 reviews will be negative. And this is almost 67 percent.



In their negative reviews of Financial Management, people write that this pseudo-broker drains the deposit under the guidance of "experienced analysts" who are constantly changing. Also, deceived customers complain that honestly earned money is not withdrawn to them.

Reviews

Attached are screenshots to prove it. real reviews from people who fell victim to financial management scams.

History of the victim

On July 18, 2019, I registered on the financial-management.group website, after passing verification, I sent a scan of my passport, a driver’s license and my photo with a Sberbank card, deposited 50,000 rubles into my account. Calls from their company began to arrive 3 months before my registration. What persistent Alexei talked to me. They found me themselves. After verification, a manager was attached to me, Mark Naumov, who called me every day except weekends, so we traded with him for 10 days, not a bad result for 10 days, about 130 euros plus. Immediately withdrew 100 euros through a qiwi wallet minus 10%. On the site, I traded on my own with its help, I did not connect any remote control programs like AnyDesk, and no one except me had direct access. All transactions were closed only thanks to my actions. On August 1, 2019, Mark tells me that you can buy shares of a company and earn 1000 euros on it, but for this you need to deposit 5300 euros (he competently lied to me and hurried me up), they provided a loan by phone. I said my full name Account number and code word, after that the money appeared on my account. Thus I earned 998 euros. Then the next day I deposited 5300 euros from my Sberbank card to them about via bitcoins. On the same day, I tried to withdraw 1000 euros from my account, it turned out, the money came through a qiwi wallet, minus 10%. On the same day, after such success, Mark began to “drown” me, I bought shares in various companies and on the same evening -2500. A day later - 4500. Mark said there is no need to worry, the situation will normalize, you just need to wait. But nothing happened. Mark says there is a way out of this situation, it is necessary to deposit 12,000 euros and we will earn 2,500 euros today, and in 3 days the same amount. You need to take a loan by phone in the amount of 12,000 euros. Which is what I did. Yes, as a result of such manipulations, I earned not 2500, but 3300 euros. I was happy. Further, as a result of a conversation on the phone, I tell Mark, let's chat on Skype, throw off a scan of your passport so that I can be sure and secure, otherwise the amount had to be transferred not small. He says that we can’t throw off our data and communicate on Skype, viber is prohibited. I became alert, began to break through information about the company via the Internet, I did not find a single bad review. I found a broker in my city (Kotlas), he talked with Mark for 2 hours, but they didn’t come to anything. Then we checked everything with him, he advised not to transfer money to them, but we did not find any bad reviews. The next day, I tell Mark to debit the loan from the amount that was in my account (about 20,000 euros), to which I receive the following answer: you must first deposit 12,000 so that you can then withdraw your money, otherwise your account will be blocked. What they did

You can learn more about one broker from an interesting article:



Conclusion

The financial markets themselves are very high risk. Without the relevant knowledge, there is absolutely nothing to do there. Otherwise, you will simply lose your money. Moreover, now there are a lot of scammers who, under the guise of "assistance in trading" and "guidelines", in fact, simply drain the deposits made by clients. And FXNobel is one of the most clear examples such scammers. Entering into the confidence of people, including pensioners and the disabled, they begin to hang noodles on their ears, promising mountains of gold. And many people believe them, deposit money again and again, driving themselves into debt to various banks, all kinds of microfinance organizations, friends and acquaintances. But they can’t withdraw anything from the account, because the FXNobel company was created only to make money on people itself, and certainly not to give them a chance to earn money. This is evidenced by the following:

1. The absence on the site of this pseudo broker of the analysis of the so-called blue chips,
2. No forex calculator
3. No QUIK terminal ,
4. Demands to replenish the account for the amounts specified by the scammers;
5. Requirements to ensure the level of profitability indicated by the scammers;
6. Requirements to trade large sums for bonus dollars;
7. Account blocking warnings that scammers will think are related to money laundering;
8. Prohibitions to publicly criticize scammers;
9. Requirements to provide protection to the staff of fraudsters;
10. Statements by fraudsters that they will check the creditworthiness of customers by contacting banks;
11. Under the pretext of combating money laundering, they demand to send copies of utility bills (a clear sign of a fraudster who is afraid of running into a person with citizenship of the United States of America or Israel).

I would like to hope that thanks to this article, people in our country will become smarter and the number of victims financial scammers and in particular various kinds of pseudo-brokers will be significantly reduced.

Important!

Call 8-800-777-32-16.



Many brokerage companies motivate people to cooperate with the fact that there will be a profitable profit. In fact, he invested a ruble, got five. But as you know, nothing comes easy. In the article we will try to highlight about the activities of one of the brokers.

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How Broker -Belistar deceived a woman in the amount of 458,537.50 rubles

Various kinds of financial services are a very good area for fraudulent activities. Crooks deceive gullible and inexperienced people, including the elderly, people with mental disabilities, and people with physical disabilities.

Broker –Belistar imitates Forex trading. In fact, their victims deposit their funds on a platform specially created by scammers. But they overwhelmingly cannot distinguish a real Forex platform from a fake one, which is what scammers use.

The scammer pretends to be conscientious, but in fact uses deception schemes.

Anonymous domain owner

A scammer in the Belistar broker is already given out by the fact that he hides his contact details. A conscientious broker will not do this, because he has nothing to hide. But the crooks do it deliberately, that neither those whom they robbed, nor law enforcement agencies could find them.

You can read about checking a brokerage company for licensing in the article: How to check a broker for a license - services and sites for checking



No EV SSL, "Extended Validation" certificate

Another sign that the Belistar broker is a scammer is that he is trying to save not only on security, but also on image. That is, the Belistar broker is counting on the fact that among their victims there will be exclusively people who are completely ignorant of Forex trading.

Website with low information content, useless for readers

Let's take a look at the Belistar broker website. What do we see here? It is filled with extremely poor, any useful information is simply missing as such. If the Belistar broker were really legal, then its IQ would be at least 2500.

Addresses in offshore zones

The only thing you can find out about the Belistar broker is its registration address. As expected, it is registered in an offshore zone. Question: Why is it there? We answer: this is done so that it would be difficult for fraudsters to find their victims, as well as law enforcement agencies.

Discrimination of clients in documents

Let's analyze the regulatory documentation, which is published on the website of the broker Belistar. It follows from its content that it is aimed at discriminating against the client. This is evidenced by the following provisions of the user agreement:

1. 5. The Company is not financially responsible for the results of Operations performed by the Client.
2. 9. The Client accepts and acknowledges that the Company may, from time to time and at its sole discretion, engage third parties to store the Client's funds in order to provide additional Payment Systems. Funds will be held in segregated accounts separate from third party funds and without limiting the Client's rights to their funds.

Online reputation - the big picture

The reputation of the Belistar broker on the Internet cannot be called sharply negative. But the percentage of negative reviews from the total number of positions in the issuance of the first page is 45%.

You can read about those centers that help with brokers in the material: Help Center with a refund from brokers - what they do + how they help



Online reputation - negative reviews

There are a lot of negative reviews about the Belistar broker on the net. Let's consider the main ones.

Fraudulent DC Belistar does not withdraw money to its own customers!!!

Scammers annoy their victims with constant calls. And clients are forced to deposit funds just to keep them behind. Naturally, the crooks assure their victim that she can withdraw her funds from the account at any time. Belistar assigns analytics to each client. After making the first deposit, this analyst continues to bother calls with requests to deposit more, citing the fact that otherwise trading cannot be continued. The sacrifice brings more and further everything starts anew. If the victim at some point refuses to deposit the next amount of money on the deposit, then on the one hand she will regret it later, but on the other hand, no. The fact is that when a client makes an attempt to withdraw his funds from the account, scammers from Belistar simply will not let him do it. That is, the withdrawal request will be canceled automatically. And then they again begin to set their own conditions, the essence of which is simple: replenish the account again and then the withdrawal will become available.

Reviews

History of the victim

We present real story a person who was cheated by scammers from Belistar in the amount of 458,537.50 rubles. Here is how it was:

On January 21, 2019, someone named Dmitry Sokolovsky called the victim’s husband, who persuaded her to take a risk. On January 25, 2019, the first amount was deposited, which amounted to $250. Earnings started almost immediately. The spouses were even allowed to withdraw eleven thousand rubles. But this was done by scammers solely for the purpose of establishing a trusting relationship with the victim.

Indeed, at first the rates were positive. That is, the crooks were able to inspire confidence in the victim. Then another analyst began to call, whose name was Timofey. On the contrary, he immediately aroused distrust in the victim and she asked Timofey to connect her with Dmitry. Dmitry called back and said that now he works with clients who have a deposit several times larger, and if she wants to continue working with him, then she will need to deposit four hundred thousand rubles into the account.



Don't trust these people

So, if someone Dmitry Sokolovsky, Timofey, Lev Virgil, Egor Matveev, or Albert calls you and offers to earn money on Forex, do not even talk off the phone, but immediately hang up. Be aware they are scammers. They want to take money from you, hiding behind legal ways to earn money.

Conclusion

If you have never worked with Forex and suddenly someone called you and offered to try, in no case do not agree. In the absence of the necessary knowledge, you will only lose your money. And all these alleged analysts, who are quite difficult to distinguish from conscientious brokers, will only help you with this.

Important! For all questions, if you do not know what to do and where to turn:

Call 8-800-777-32-16.

Free legal hotline.



Have you ever wondered, "How can I make a living?" IN last years most people want to have a good life. Previously, only adults suffered from this issue, and now the problem of making money is in the minds of young people and students. Even when children in kindergarten talk about money, beautiful life, expensive clothes, this is not surprising. How can I earn money? Of course, not everyone is lazy, work, business, education, money come from themselves. On the one hand, this is correct. But you also need a desire that will push a person to move forward.

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The purchase and sale of weapons via the Internet is prohibited by applicable law. The purchase may be due to collectible interest, as well as due to the desire to protect oneself from criminals. Its cost exceeds all unthinkable indications, so a person willy-nilly turns to the secondary market.

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Keeping money and valuables is preferable in a bank. Preferably opaque and 3-liter. Here is such a paradox. In fact, you can store your money and other valuables in a real bank. But you know, it's not always a good idea. After all, a bank may have its license revoked (for which the Central Bank has the authority). And it is not so easy to return the funds through the DIA, despite the legislatively provided mechanism. Today we will tell you about the best place to store money. And how to do everything so that professional attackers do not get to them.

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no feng shui

In general, the first thing that comes to mind for many who open an article is a kind of multiplication of funds by scattering them in certain corners of the house. Let's just say this article is not for them. Here we will talk about some mundane:

1. Secrets;
2. Caches;
3. Ways to hide the secret vault.

And not about how to operate with energy flows and everything else.

Let's start with the fact that no matter how you try to hide the money - if the attackers have an extra 2-3 hours of time and enough tools, then there will be no chance to hide anything. Naturally, if we are not talking about a private house and entire systems with hidden safes. By the way, we will talk about safes at the very beginning. After all, hiding money in some kind of protected metal box is not a bad idea.

Keeping money and valuables in safes

We recently published material that keeping money in a safe is a very controversial activity. This is true when it comes to:

1. Attackers know about the presence of the safe;
2. They have plenty of time.

However, if we are talking about the fact that we need to store money somewhere in a private house, then a safe is hardly such a bad idea. The only problem is that your family will know about it. So, sooner or later, information about its presence will leak out.

In principle, you can embed the safe wherever you like, and it's better not to do it behind the picture, as in a good movie. And in some secluded and inconspicuous corner of the house, which by no means catches the eye.

Again, if you are interested in the usual long-term storage of funds without constant access to them, then it is better to build a safe in the wall. And something tightly to block, making the usual polymer panel, which is applied on top of the plaster. And then a full-fledged wallpapering is already carried out.

Naturally, this method of storing money is only suitable in a situation where you need to hide a large sum of money somewhere for a very long time. After all, it’s simply not possible to disassemble and re-plaster the wall every time. However, this option has several additions for permanent use. So, the panel can be made interchangeable (along with a piece of wallpaper).

True, in this case, from the outside, all this will be noticeable. In a similar way, you can equip not only a niche for a safe, but also a standard cache. And the more inaccessible it is, the more likely it is that random intruders will not get to it. However, you won’t be able to use such a cache several times, a maximum of 1 or 2.

Again, if you have a private house, then it is quite possible to have your own courtyard or basement. In such places, it would be much more logical to equip a safe or a full-fledged cache. And if you do not plan to use money or other "hard" currency for the next 5 years, then you can completely concrete it. In this case, the attackers will not only accidentally find the money, but they will not find it on purpose.

Unless you're hiding the annual budget of the Mexican drug cartel, and the seekers don't have jackhammers with which they'll take apart not only the whole house, but also its foundation piece by piece.



On the disadvantages of "concreting" into the wall

One of the problems is tapping. In a private house, this is a problem, but in an apartment everything is more interesting. The problem is that it is quite difficult to make such a cache in an apartment. interfere:

1. Numerous communications;
2. Small wall thickness.

And at the same time, in old houses there are still places where you can hide money. This is the space below the floor. But this option for arranging a hiding place should not be combined with parquet. In other words, if you don’t have enough space under the floor to arrange a hiding place, you will either have to raise it or abandon this idea as a bad one. Because you can hide a maximum of a pack of banknotes in a space of 5 centimeters.

Which will have to be pre-wrapped with polyethylene. Yes, and storing them in such a place is not always reasonable. Especially if there are rodents in the house. True, random burglars are unlikely to cut the floor. The maximum will cost by tapping the walls. So it's not always such a bad idea.

But with the arrangement of the safe in the wall of the apartment is still more difficult. Or it will be an internal overlap, which can also be subject to changes. Or it will be something else. But here you have to study more than one building standard. After all, "cutting" a half-meter load-bearing wall is not only unreasonable. But it is also prohibited by a huge number of building standards and regulations. Especially when it comes to an apartment building.

A little advice: if you are not afraid to keep money in the bank, but want to protect access to them, then use the standard functionality of the bank. You can restrict access and make yourself the sole person who will have access to the cell. A key or a card, you will agree, is much easier to hide than a bag of banknotes and gold jewelry.

About where you should not hide valuables

Let's start with the fact that values ​​and the way to access them should not be hidden:

1. In the mattress
2. Behind pictures and in works of art;
3. In a chest of drawers;
4. In a basket with dirty laundry;
5. In books (even if you have a whole home library);
6. In caskets;
7. in the freezer;
8. In the toilet bowl;
9. In the cornice or on the mezzanine;
10. In flower pots.

These are all the most banal places. And in one of the TV shows on the federal channel, just 3 months ago, it was recommended to hide money in frozen meat. The technology is interesting, but no longer working:

1. We take a pack of banknotes;
2. Carefully wrap with polyethylene;
3. Wrap with a piece of raw meat;
4. Freeze and pack.

We do not argue, perhaps for short-term storage of some very small amount, this method may be suitable. But in the freezer they will look in also a priority. Plus, there is a high probability that households can throw the "wrong piece" that they need right into the pot of water. Needless to say, it is unlikely that a bundle of money will benefit from digestion in boiling water.

And the cling film, which was offered to wrap money, will already come off by that time. And in this form, you cannot exchange paper money normally even in a bank.

Not to mention that someone might try to cut a large piece into several pieces. In this case, the funds can and will be restored to the bank. But also, the idea is so-so.

Speaking of art objects and figurines, we mean something beautiful and presentable. Or inconspicuous, but small in size. Usually, apartment owners hide small "stash" with money and keys to safes in such places. Housekeepers are well aware of this, so storing it there is also worthless.

The option with a false socket will also not work. If qualified thieves come across (and others rarely go to apartments), then they will simply tear out all the sockets with meat. With a fake socket, you can only fight off children, who can simply be scared away. simple rule- do not touch any sockets. You won’t scare burglars like that, they will simply turn off the electricity in the house through the meter and on this the cache, which is called “becomes unusable”.

As for flower pots, for anyone with the slightest understanding of a thief, pots will be the first place where he climbs. You will be surprised: but even shaking out two dozen flowers on a carpet is only 5 minutes of work, and even less if necessary. And if a flower pot, for example, is stuck to the stand, then this will cause even more suspicion.

However, there is an option with double walls and a bottom. But we must understand that this is a very unreliable and extremely vulnerable design. In addition, the double "pot" will have to be filled entirely. Otherwise, any touch will give out a void in the wall and immediately provoke unnecessary suspicion on the part of the criminals. He will quickly break it, and everything that you have been hiding so securely in this pot will be in the pockets of the criminal.

Does it make sense to hide money in household appliances?

On the one hand yes, on the other hand no. This option is only suitable in a situation where you want to hide funds:

1. For temporary storage;
2. From your own household;
3. From neighbors, for example, in a communal apartment.

Naturally, the latter should not have access to household appliances for a long time. Indeed, otherwise, they can take it to the workshop if the equipment breaks down. Or disassemble the device, suspecting something is wrong.

But from potential thieves and intruders, this method will not work. Many people advise hiding money and valuables in the dust collector of a vacuum cleaner, for example. Very reasonable advice, which the attackers will surely take into account. After all, if you read numerous articles on the Internet, won't they?

In addition, at household appliances since the conversation went on, there is one unpleasant property. It is valuable and can be stolen along with everything in the apartment. And all meaning will be lost. The only reasonable advice: placing a certain amount of money, or rather a bank card, in the outer case of the air conditioner, for example. This is the same box that is mounted outside the building.

You can read the material about ways where you can earn good money: Where can I find money - what you need to know about it + methods and prospects



Air conditioning cache: pros and cons

Please note: the outdoor unit must be de-energized before you try to hide something in it. And besides, you can hide a small thing in it only before installation. And the subject should not be large, and you also need to remember that:

1. It is possible that water will get on the thing you are trying to hide;
2. It is necessary to provide for constant temperature drops in the case.

Other than that, it's not such a bad idea. Again, you have to forget about the possibility of permanent access. For the reason that if you live on the 9th floor, then manipulating a screwdriver hanging from the waist to the waist from the balcony can end in an unforgettable flight for you. Just like a random criminal. The inaccessibility of external units of air conditioners just plays into your hands.

The occasional thief will look inside the apartment, not outside. The same applies to walls in a densely populated home. Yes, a cache in a private house is more difficult and longer to look for. But if you still manage to make it in a wall that has an adjacency with a neighboring apartment, then any attempt at tapping by intruders may cause discontent among the neighbors.

As well as a suspicious young man who spins the air conditioner with a screwdriver in broad daylight. There is a possibility that citizens from neighboring balconies will notice him and may suspect something is wrong.

Hiding valuables in furniture

Let's start with the fact that police practice says that numerous secretaries and boxes are instantly pulled out. Accordingly, simply gluing a bag of money on a hidden plane is not the most reasonable idea. But the idea of ​​​​equipping a cache in the structure itself does not seem so bad. This applies to:

1. double walls;
2. decorative panels;
3. Secrets in the doors.

True, hiding something very large in the door itself will definitely not work. At most it can be some small container. Please note that you do not need to hide from the top. Which is perfectly visible to everyone who opens the door.

And from the bottom, which is not always inspected. And if the closet door is quite massive and heavy, and there is a risk of provoking unnecessary noise, then the criminals most likely will not even take into account that something may be hidden in it. At most, they will try to probe manually.

This is where you need to show ingenuity. The hiding place is made in such a way that no one could accidentally find its presence in the end part of the canvas. For this, full processing and masking is used. Here you will have to show not so much ingenuity as the skills of a cabinetmaker, for example.

And there are plenty of ways to restore a wooden surface on the Internet now. We recommend that you familiarize yourself with them before you start drilling the removed door to equip the hiding place.



About windows and window sills

In general, the idea of ​​​​a hiding place in the windowsill was not beaten up except in theatrical productions. And then, we do not have full confidence that this is so. Even modern burglars often knock on plastic window sills installed together with euro windows. And since the design itself is initially hollow, it is not so difficult to detect something extraneous by tapping. But what will be more difficult:

1. Window frame;
2. Pens.

But this will require special tools. And advance preparation. Therefore, we will consider only the option with a cornice. In principle, a cache in the eaves is also one of the very common ways to hide something from prying eyes. And I must say that if you bought a cornice quite recently, in a modern furniture store, then there is certainly nothing to hide in it.

It is simply pulled off with one easy movement of the hand. And they will take everything they can out of it. But you can hide some thing from intrusive guests, for example, in a cornice.

The only exception to the rule is the fixed screw cornice in very old houses. There are almost none of these left, but if you become the proud owner of such a cornice, do not rush to dismantle it.

First, it is a kind of antiques. And secondly, such cornices have a lot of cavities in their rod. Despite the fact that it is very durable, and sometimes it is not possible to pull it out even with a full-fledged crowbar. And petty robbers of your apartment most likely will not wield a sledgehammer. Because it creates a lot of noise.

This is a real find for those who want to hide something from robbers. Since it is possible to dismantle a century-old structure, basically, only with a piece of the wall. You won’t be able to disassemble it either, unless you cut it with a grinder. But you can place the desired item inside using the side cover. Which, after all the manipulations, we recommend sealing with a full-fledged epoxy resin. Yes, it will complicate quick access. But the robbers are unlikely to get involved with this.

Conclusion

Keeping money and valuables in an apartment or house is associated with a huge number of risks. After all, for their sake, robbers can spit on everything that seems insurmountable to you. In order to rob the treasured dwelling, the bandits manage to descend on climbing equipment from the roof, squeezing out euro windows. And even open the most secure safes. Therefore, if you have been robbed, contact the police immediately. Which will initiate a case under 158 of the Criminal Code of the Russian Federation and will try to find the criminals. And the resolution of such cases is not so hopeless.

Important! For all questions, if you do not know what to do and where to turn:

Call 8-800-777-32-16.

Free legal hotline.



It is not uncommon for cases when funds can be debited from the accounts of plastic card holders. Users who have a connected mobile bank are familiar with such texts and can often be alarmed if they have not taken part in any transactions with the account. For this reason, users of mobile banks may well have questions, they illegally debit money from the card, what can be done in this case? This will be discussed in the presented article. But first things first.

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When money is debited from an account illegally, it is first necessary to find out the reason for the debit. Hence, it is necessary to take further steps when using a plastic card and seek a return of personal finances.

In cases where the user did not provide his own consent to debit funds, then this is an illegal method. Is it possible to get a refund? In this situation, everything will depend entirely on the competent complex actions of the cardholder. Plastic cards are very comfortable to use, but can often become significant problems due to similar situations.

Is consent required?

There are cases when users of plastic cards are charged with money in payment for penalties or for state duty. Such write-offs are largely similar, since they have corresponding SMS notifications that bailiffs are writing off money, in accordance with the requirements of the court. Most account holders may not even remember or be unaware that they have debts or fines, which means that such info messages can lead to confusion for a citizen.

In order not to get into unpleasant situations and be aware of existing debts, it is recommended to use the special FSPP service, thanks to which you can always be aware of the presence of initiated enforcement proceedings against a particular citizen. A mobile application is in particular demand, thanks to which you can easily find various debts in an accessible database. Through the Internet platform of the FSPP website, this can be done without much difficulty.

Debts or penalties can be paid on the website of the Federal Bailiff Services.

Money was withdrawn from bank cards, but ATMs did not issue cash

Common situations when ATMs did not dispense funds, but the account was debited. Such situations also occur in practice. Most often, such errors are caused during the period of receiving cash, due to the fact that the electricity was turned off or there was some kind of malfunction in the system. But how can such situations be corrected due to unsuccessful technical operations?

In such cases, it is recommended to immediately contact the banking structures. This can be done by calling the hotline, and the phone number itself is usually indicated on an ATM or plastic cards. You should inform the specialists of the banking company at what address the device was located, and also at what time the citizen withdrew money. In addition, information on a bank card and a code word may be required.

Most banking transactions are stored in the systems of this structure in a minute-by-minute sequence, which means that all information will be easily checked by specialists of a financial institution.

Often, banks usually carry out collection of ATMs. During the period of recalculation of available funds, an ATM will detect excess money, which must match the specified data of the cardholder.

To verify the words of the owner of a plastic card, a financial institution can watch video recording from a surveillance camera in an ATM.

It happens that a financial institution will refuse to issue finance to the card holder. In these situations, you need to go to the Central Bank.

How to return money on a deposit when a license is revoked from a bank, you can read about this in the article: Return a deposit when a license is revoked from a bank - how it all happens + documents and terms



The bailiff carried out the withdrawal of finances from the owner's plastic card

Many users are interested in the question, will the bailiffs be able to withdraw money from the card? The answer is unambiguous - they can. In cases where a citizen believes that his finances were taken from him in an unlawful way, it is recommended to exclude emotions and start defending.

In order to clarify the exact reasons for withdrawing money, you need to go to the nearest banking organization. The bank must confirm that the write-offs have occurred in accordance with the orders from the bailiff, and the owner is recommended to require a photocopy of these orders.

In cases where the bailiff debited the card, it is necessary to add a photocopy of the documents to the application, and in the text of the application it is necessary to refer to the fact that finances were written off from the card illegally. You will need to specify the relevant requirements for the immediate refund of the full amount. You should also take bank statements from the bank.

During the formulation of the appeal, the owner must demand the immediate return of the money collected and the cancellation of the decisions made, according to which the debits occurred.

A similar appeal should be sent to the main bodies of the FSSP and published on the website of the banking institution.

On the official websites of the General Prosecutor's Office, the owner can similarly make similar appeals to initiate prosecutorial checks regarding the work of bailiffs.

Money was debited illegally in payment of loans

When wages are transferred to the card, funds may be debited from the account. This money is written off to reduce loan debt. In this case, the owner is not asked for permission. According to experts, situations of this kind are complex, but quite solvable.

Because of what all wages are written off for lending? In accordance with the current legislation of the Russian Federation, it is not allowed to write off all credit debt from the borrower, but is it possible to write off 50% of the salary. But the system does not understand this, so they are trying to withdraw all the funds that go to the plastic card in order to pay off credit debts. Such cases arise during the period of accumulation of large debts, and banking structures, in turn, add clients to the lists of non-payers.

In cases where a citizen does not write an appropriate application addressed to the owners of the company with a requirement to issue wages only in cash, then the bailiff has every right to oblige the directors of the company to transfer no more than 50% of the citizen’s earnings to pay off loan debts.

Other options for illegal write-off of finances by bailiffs may relate to the recipient of any allowance. Let's say the allowance for childcare was received in the bank accounts of a citizen, or payments for disability, etc. The bailiffs do not know that this is a social payment and therefore the money is debited. For a car, this is ordinary finance. In such cases, there is the guilt of the bailiff, who did not specify what finances came to the citizen in his bank account: assets or benefits.

In such situations, it is necessary to contact the bailiffs and provide evidence that the money from the card written off against debts relates to social benefits. Since these funds do not belong to the debtor, they cannot be written off and collected.



Cash debited from a plastic card for paying fines

In these cases, most often citizens receive appropriate SMS notifications, from which citizens learn that money has been debited from their card for previously unpaid penalties, and in this case it is recommended to apply to the court.

It is recommended to collect all necessary documentation and photocopies. Before drawing up statements of claim, a citizen needs to scan photocopies of payment receipts, which fully confirm that the citizen actually paid all the fines. You will need to go to a banking organization to obtain an appropriate statement of accounts and a photocopy of resolutions on debited funds from accounts. The photocopy indicates the information that is needed in order to correctly file a complaint against bailiffs if the citizen’s personal finances were debited from a plastic card for fines already paid earlier.

Wrongful write-offs

In order to reach personal money, finances on a citizen's bank account, an attacker can hack into a user's account in Internet banking, and subsequently get the opportunity to manage his account through a banking application. In cases where a citizen consciously understands that an unknown person has withdrawn all the money from his plastic card, it is recommended to immediately turn off the phone that provides the transfer of personal funds (smartphones or laptops).

After that, it is necessary to block the card accounts, and for this you need to call the hotline number of the banking structure. In the future, it is strongly recommended not to hesitate and write an appropriate application to the Ministry of Internal Affairs. In addition, you should contact Internet providers and get them to provide statistics with the presence of authorization actions of your own device over the past three months. Thanks to this operation, it is possible to easily determine by what method the attacker was able to provide access to the citizen's personal account.

During the period of fraudulent action, it is not allowed to return funds through a banking structure. The return of funds can occur only in cases where the court can fully prove that the finances were actually stolen by the attackers.

For this reason, human rights activists advise insuring money, finances on their own accounts. Only in these situations, in case of illegal debiting of money, banks will return to the citizen all the amounts on the cards.



Fraudulent schemes

Attacker technologies are regularly progressing and new methods of stealing money are emerging. The fact that money disappears from customer cards is not news to anyone. However, outdated methods still work successfully, despite the fact that the media have already talked about this more than once. Meanwhile, the Sberbank plastic card is the most secure.

The most famous methods of stealing money from plastic cards:

1. the citizen received a message with a win;
2. the account owner is told that his card will be blocked soon;
3. messages are received with links to a viral website or program.

Messages about winnings can soon bring the owner a lot of troubles and disappointments instead of luck and joy. During a phone call, the attacker will try to find out the personal account of the card or hidden codes on reverse sides products. It must be clearly understood that in cases where the owner independently gives the fraudster all the information about the card, then it is not allowed to bring these persons to justice, and even more so to ensure the return of funds.

In cases where funds were debited from the Sberbank card during conversations with bank consultants, then presumably, the citizen communicated with scammers.

In practice, cases are common when fraudsters, during a telephone conversation, introduce themselves as employees of banking structures and, for some reason, require the numbers of the owner's plastic cards to be announced. Meanwhile, this information is completely confidential and no one has the right to clarify it from a citizen. Whatever force majeure happens, you should not tell the caller any important hidden information, regardless of various pretexts.

There is another popular method to steal money from a personal account - this is to inform a citizen that the card is supposedly about to be blocked. The fraudster asks to make a call to known numbers, which is one chance to activate the card again in the current mode. And later, he will again persistently beg for personal information about the card under various pretexts.

When the owners of a plastic card follow the viral hyperlinks that were sent in an SMS message, they are similarly deprived of finances on their own accounts. Malefactors without special work will receive logins and passwords which are required to be authorized in Internet banking or in bank, mobile application.

For this reason, you should carefully look at such messages with the presence of various links, and best of all, delete them altogether. Often such messages are of considerable harm and are often already blacklisted in the phone book. Is it safe to call back and find out detailed information about links, namely, why it was sent, and what will happen if you click on it?

Money debited from Sberbank card

When the money was withdrawn from the Sberbank plastic card, but the owner definitely did not do this, then most likely it was theft, which means that the following list of actions must be taken:

1. block the Internet banking program;
2. immediately make a call using the hotline phone of the banking company;
3. tell the consultant about the event, and subsequently go to the Sberbank department and draw up an appropriate application stating that transactional actions are illegal.

When finances are debited from the card, financial institutions will be able to disagree with such a claim and refuse to fulfill the wishes of the account holder. You should go to the Ministry of Internal Affairs and provide detailed information about the incident.

Police

The cardholder is required to accept an application to the Ministry of Internal Affairs. It is recommended to send it, with the help of post offices, with the requirement to check the facts of illegal debiting of funds from a personal account. It is allowed to apply to the Ministry of Internal Affairs in person. The problems here are of such a nature that the police are often unwilling to accept such applications, because they have a low detection rate. However, such actions on the part of the police are illegal, and all citizens have every right to draw up an application, and the Ministry of Internal Affairs has no right to refuse this.

If a citizen still receives a refusal when initiating cases, then one should not be sad. Documentation may be needed in court. Citizens have every right to create a claim on their own, but in this situation, it is recommended to use the services of human rights defenders, and they will be able to take into account most of the nuances in each specific case.

Conclusion

Thus, if money is illegally debited from the card, then it is likely to be returned using legal methods. To do this, you need to collect all the available information on write-offs and go to the relevant authorities, namely the Ministry of Internal Affairs, a bank, a court, an operator, etc. It is also recommended that you hire a qualified human rights activist when going to court, who can fully provide professional support during the legal proceedings .

Important! For all questions, if you do not know what to do and where to turn:

Call 8-800-777-32-16.

Free legal hotline.



Many users are interested in how and within what time frame it is possible to refund money for services not rendered this year? And what do you do if you don't get a service? Alas, it is not always possible to return money for a list of services that the client was not provided with, but at the same time, he paid for it.

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In some situations, customers will not be able to use the fully paid service due to their own personal circumstances, but often they may encounter an unscrupulous performer or provider of these services.

List of conditions in accordance with the service agreement

First of all, it is necessary to carefully study the main list of conditions in accordance with the agreement before signing it.

The reason for non-performance may be different, due to which the service may be provided in an incomplete volume, or even not provided at all. For example, when a client fell ill or was hospitalized and he could not go on a trip or could not go on an urgent business trip, it is not possible to launch finishing teams into his own house to carry out repair work. There are many force majeure cases.

But it often happens that the client is faced with deceivers who have decided not to perform their own services.

First of all, you should carefully read the agreement on the indication of certain services. Often, such contracts contain a list of necessary conditions for the return of money, finances, when services were not provided at all. Or there are established sanctions that are set against the offender of the agreement.

Important: Most of the transactions that are related to the services rendered within the Russian Federation are not documented. Most of the transactions are oral by agreement, including construction work, etc.

In cases where customers do not draw up agreements for the performance of certain services, they cannot hope that the funds will be returned safe and sound.

How to make a refund?

All organizations that respect their own activities will try to return the funds to the client so as not to spoil their own reputation.

The return of funds for unpaid or incompletely rendered services is regulated by several articles of the current legislation of the Russian Federation, namely, the consumer protection law. We are talking about articles - 29, 30, 31, and 32. First of all, you should carefully read them, and only then sign the relevant documents for the provision of certain services.

Initially, a citizen writes an appropriate application for terminating service contracts and returning prepaid funds, and then the citizen goes to the organization that supplied those same services. In cases where a citizen has entered into an agreement with a good company that values ​​​​its own reputation, they will very soon meet halfway. No one wants to ruin their own reputation over a trifle.

The funds will be returned to the client in full in cases where the suppliers have not received a direct loss in the absence of a refusal from the work provided by the client. If there have been any significant financial expenses, the company can deduct expenses for costs. Most of these nuances are prescribed in the current agreement between the customer and the contractor.

Important: In cases where suppliers do not wish to return funds to the client on a voluntary basis, it is necessary to draw up an appropriate claim according to standard schemes. During the period of sending a claim for the return of funds, the terms for the return of funds will be no more than 10 days.

In cases where the money is not returned within the prescribed period, the citizen can hope to pay the penalty.

It should not be forgotten that the claim must be submitted in two copies, one of them must have the appropriate signature and seal of the service provider company, while one of the copies remains with the client.

In cases where the organization refuses to respond to the client's claim, then you should contact the appropriate supervisory authority - local departments of Rospotrebnadzor and departments for trade relations or the consumer market.

Most often, the usual warnings that the client intends to actually defend his own right in a higher authority will suffice.

Rospotrebnadzor authorities can impose appropriate sanctions and significant fines in relation to an offense that operates in accordance with existing legislation.

In cases where the application for claims is addressed to the controlling agency, could not take appropriate action, and the service providers do not want to provide a refund, then the client needs to apply to the court with an appropriate statement of claim.

Important: In this case, you should carefully consider whether it is necessary to return funds for financial transactions and time costs during the period of legal proceedings. In cases where a citizen is completely sure that he is completely right, and the suppliers themselves went to fraudulent schemes, then it follows with full confidence act.

In those situations where the services were not provided to the citizen in full, the judges are able to reduce the refundable funds.



About advance and deposit

Advances and deposits are completely different terms.

Often, in contracts or in additional agreements to them, an advance payment is established in the form of deposits or advances. Most citizens will not see the difference between these two terms, but meanwhile it is significant and extremely important when returning money.

Deposits provide for strict forms of advance payment, regulated in accordance with existing laws Russian Federation. We are talking about articles 380, as well as 381 of the Civil Code of the Russian Federation.

Most often, deposits can fulfill a number of obligations:

1. the facts that the agreement is actually concluded;
2. the work done by the parties of the agreement.

Regulations provide for certain processes for the return of deposits. If a citizen refuses the services for which he made deposits, then the money will not be returned to him. However, he can also receive the service from the suppliers, in which case they undertake to return the deposit in double size.

Advance payment refers to the usual type of prepayment. It is often used for vendor upfront costs. They are returned in accordance with the usual procedure. When services are not provided to a citizen, he will be able to return his advance payment back. It turns out that the legislation does not regulate advance payments, since the Civil Code of the Russian Federation does not contain any information on this matter.

Advance payments must be paid in accordance with official written requirements, for example, a receipt. In cases where a citizen dissuaded in detail the service with suppliers, as well as the deposits themselves, it is recommended to draw up an appropriate additional contract or agreement.

How can I get a refund for services?

Due to the fact that commercial activity is now well developed and the number of qualified as well as new merchants is growing, many users and buyers are often interested in questions related to consumer losses. What algorithms of action should be taken in ambiguous cases in order to return money for the service? But first things first.

You can read about the services of a car service and the claim procedure for resolving a dispute in the article:



Legitimate reasons for the return of funds

When any services are provided, this is the interaction of 2 parties on mutual and beneficial terms. The result should be the receipt of material resources from one side, and the latter side receives certain in-kind assistance (hairstyles, repaired electrical appliances, etc.).

Such types of agreements between customers and contractors must be documented, as well as on an oral basis. But we should not forget that oral agreements do not have any legal force and weight advantage during the trial.

The only significant argument may be the formal agreement between the two parties itself.

Important: In cases where there is no signed contract, the only way out of this situation is to trust the performers and hope that the service will be performed. Most often, the oral form of the contract is used in close circles, for example, close relatives or friends who have no doubt that they will not really be let down.

The main and relevant questions today are how to return the spent funds? There is a certain regulation on the return of funds for the service, if you follow it, you can ensure compensation for losses.

Important: Based on practice, there are cases when the customer ensured the fulfillment of all conditions in accordance with the current contract, but the performers did not provide services or did not perform the work in a quality manner, and often completely ruined the entrusted property.

Algorithm for the return of money in accordance with the law

Most often, such issues are resolved in accordance with the terms of the contract, which was previously concluded. Payment procedures must be followed and ways must be found to resolve conflict situations.

The more detailed the valid contract is, the easier it will be to return the invested money in the future.

You can read about how goods are returned to suppliers in the article:



How can I submit complaints to the Rospotrebnadzor authorities via the Internet?

It is important to understand the status of a payment in the form of an advance or a deposit. A distinctive feature of these two terms is that there are significant differences, for example, consumers can return advance payments, but deposits will be impossible to challenge and they will remain with the performers.

Important: In accordance with the current regulations between both parties, an agreement that is spelled out in the Civil Code of the Russian Federation, signed documents can be terminated only upon mutual confirmation of the parties to the agreement or in situations where any party has not fulfilled its own obligations written in the documents.

Regarding buyers, their interests are protected in 32 Art. of the current law, when customers have the full right to terminate the work provided, but undertake to ensure the reimbursement of all monetary investments spent, at the time of preparation and implementation of the terms of the agreement.

If, during the period of signing the agreement, the contractors have not yet begun to fulfill their own conditions, according to the current agreement, then the customer has the full right to return 100% of the advance payment.

Important: When the performers ensured the investment of funds in their own activities, and partially completed the scope of work, then, in accordance with the grounds - the check receipt and the recorded result of the performed activity, they have every right to demand reimbursement for losses, which means that the consumer will be able to return only certain part of the advance payment.

When the contract is terminated due to poor-quality work, then customers have the right to legally return not only the advance payment, but also interest on penalties, losses or discomfort.

How can I correctly draw up an agreement on a simple pledge or a quick return of funds?

Where agreements are made the right way, then it is possible without much difficulty in the courts to carry out evidence of poor-quality work and ensure the return of funds back.

It is necessary to take into account important details that may provide relevant evidence not best results different from the wishes that were previously discussed with the contractor.

During the period of drawing up the agreement, you should carefully look at the following factors:

1. quality level. In accordance with paragraph 3 of Art. 4, namely, the Law of the OZPP, when the performers, during the period of the concluded contract, informed the customer on the points that they should come to and make the necessary purchases or perform the necessary activities, then at the end of the work, they undertake to present the necessary results;
2. warranty obligations. Often, disputes between the parties to the contract may arise on this basis. In accordance with paragraph 5 of Art. 5, the Law of the OZPP, states that the sale of goods or services without the corresponding warranty obligations is prohibited, which means that during the period of ordering the service, the consumer has the right to demand the establishment of warranty periods;
3. secure transaction. In addition to external correspondences, services must be provided in a quality manner. This is stated in paragraph 2 of Art. 7 of the same law, which states that in case of harm to the health and property of the consumer due to poor-quality work performed, the performers undertake to compensate for losses;
4. information component. Until the stage of signing the agreement, the performers are obliged to inform the consumer about the services ordered by him and their execution. When information is provided false or inaccurate, the consumer has the right to terminate the contract, in accordance with paragraph 1 of Art. 12 of the current law;
5. results of moral harm. It is necessary to take care of your own peace of mind and do not forget that customers and performers have the right to receive compensation payments during the period of moral damage that was caused as a result of cooperation under the agreement. This is regulated in Art. 15, and the amount of payments is determined by the court and will be assigned separately from material damage;
6. payment procedures. In accordance with Art. 37 of the current legislation of the Russian Federation, the customer has the right to pay for the work on its completion by the contractor. When the results do not match what was previously described in the contract, then they may refuse to accept the results and cash payments performer.

Important: It is on these presented and important points that consumer protection is based.

With proper drafting of contracts, you can be sure that without much difficulty it will be possible to return the funds for the services rendered. You can also not worry and, in case of any difficulties, apply to the court with a statement of claim. However, it is best to book a consultation with a qualified human rights activist before signing the contract, who will help you understand all the subtleties in a timely manner and avoid further, unwanted problems.

Conclusion

Thus, if the customer was not provided with a service, then he has the right to return the funds, in accordance with the current legislation of the Russian Federation. In these cases, it is recommended to contact the relevant authorities to draw up applications and expect a favorable outcome of events.

It will not be superfluous, when it comes to significant costs for services, to hire a good human rights activist who can easily protect the interests of consumers during the period of litigation in the courts. To a greater extent, the legislation acts precisely on the side of the consumer, which means that he has much more legal rights and grounds.

Important! For all questions, if you do not know what to do and where to turn:

Call 8-800-777-32-16.

Free legal hotline.



In recent years, users are increasingly interested in the question of returning goods to the supplier and what rights do consumers have during the period of this return? This is what will be discussed in the presented material. But first things first.

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Buyers have the right during the period of return of goods and subsequent replacements for its analogues with similar technical characteristics, have full protection in accordance with the Federal legislation of the country. These are well-known facts, but not all compatriots have the appropriate level of knowledge and certain nuances of legal acts.

Federal laws that provide protection and consumer rights oblige the owner of the outlet not only to accept and exchange goods for products of good quality, but even in cases where the products do not need to be repaired or replaced with a full-fledged and more functional one. There are plenty of grounds for such procedures. The rights of buyers to return products arise in cases where the purchased product cannot meet their expectations, in accordance with the technical parameters:

1. form;
2. dimensions;
3. styles;
4. colors;
5. kit set.

At the same time, the consumer has 14 days to return the product. However, the following restrictions apply to product returns:

1. the product has due appearance, most of the factory stamps and other external signs remained at the appropriate level;
2. on hand there are payment receipts that confirm the purchase of goods in specific stores (in some cases, you can do without them);
3. products are not included in the approved lists of current regulations and are not subject to return.

Thus, the consumer can only take the purchased products to the appropriate outlet with an appeal to the sellers. It is necessary to transfer them and require them to write a statement indefinite form. However, the owner can issue their own form of the instance (most often this is the case).

Most human rights activists advise to make a mandatory photocopy of documents and require sellers to stamp them with outlets (this will be evidence that they actually received an application from a citizen). In cases where the outlet staff does not want to accept the application, it will be necessary to send the document using registered mail with a notification. Thus, a citizen will be able to prove his own intentions to the bodies of Rospotrebnadzor or the court.

In the future, the list of legal consumer rights will come into force. Thus, the consumer will be able to choose products for mom with the necessary technical parameters.

What should I do if the product is not in the store?

There are cases in which similar goods that need to be replaced are not available in the store or the product does not suit buyers according to its characteristics or is not on display. What should be done in such a situation? Human rights activists advise to look again at the current legislation on the Law on Consumer Rights. Article 25 states that in the absence of the necessary products that the consumer chose to purchase, the legislative norms say that he has every right to terminate, namely, to terminate the current sale and purchase agreement.

In such situations, the sellers undertake to return the amount paid for the goods within a period of up to three days from the start of the purchase. There is another common way - a mutual agreement between 2 parties. Thus, the sellers receive from the buyers the desired characteristics of the product and their contact details, and later, when the product is on sale, they will contact the client and report the availability of this product.

In those situations where sellers do not want to comply with the relevant consumer rights during the period of product return or exchange, then customers have every right to apply to the Rospotrebnadzor authorities, to the court with a statement of claim, as well as to the prosecutor's office with complaints.

You can read about the return of cosmetic products in the article:



What items of production are not allowed to be exchanged?

It has already been written about what restrictions on the return of products are provided in accordance with the proper quality. However, there are elements according to a special list of goods that, due to operational features, cannot be replaced due to a discrepancy in style, shape, color, etc.

They should be listed:

1. products that are intended for preventive analysis, as well as for a medical procedure without any visits to doctors (home conditions);
2. products for personal use in hygiene;
3. garments based on cotton fabrics, namely linen, silk, wool or synthetics;
4. a device with the presence of a certain material that belongs to non-woven types (including braid, ribbon, decoration, lace products), as well as products that are intended for a preventive procedure, and also medical event without an appropriate appeal to doctors (home conditions);
5. products intended for personal hygiene procedures;
6. products belonging to the categories of perfumery and cosmetics;
7. cotton fabric, linen, silk, wool or synthetics;
8. a list of products made from a material that belongs to non-woven types (including braid, ribbon, decoration, lace products);
9. wire, cable or cord;
10. products from linoleum, carpet and other finishing materials of similar types;
11. underwear, socks, as well as knitwear;
12. utensils, a plastic box I will drive up and other similar products;
13. washing powder and soap.

Main reasons for returning goods

As can be understood from the foregoing, products with proper quality can be returned to sellers if they cannot offer a replacement to the buyer. There is no other way to implement the depersonalization procedure. But a completely different situation will develop in cases where the product that was purchased at the outlet has certain disadvantages. Then the current legislation of the Russian Federation takes the side of the consumer. It turns out that the product is not fully functional, it has external signs of damage, and it cannot be used.

However, it is necessary to determine what is the essence of consumers during the period of return of products with the presence of improper performance in the original quality?

According to the current legislation, consumers can go according to 1 of the proposed options for the scenario of events:

1. agree to free diagnostics and repair work;
2. reduce the price (ensure the return of part of the money that was paid for the product being sold);
3. to replace the product with an analogue with the appropriate proper quality;
4. purchase an analog product (providing an additional payment or a partial refund);
5. ask the seller to return the money for previously purchased products.

But which of these methods has the highest priority? All. In accordance with the current legislation of the Russian Federation, it is permissible to ensure the rights of consumers during the period of returning products with the presence of inadequate technical characteristics, since the consumer is not obliged to report motives in favor of choosing certain scenarios for the development of events. The list of costs for the transportation of products that need to be replaced will be fully transferred to the store sellers.

Most often, when choosing in favor of one or another variant of events, the exercise of the authorized rights of the buyer during the period of returning the products will largely depend on how damaged this or that product is. There are situations when everything will depend entirely on the cost and availability of goods on the market. In cases where a citizen purchases a smartphone of any latest version, and at the same time, such phones were bought earlier by residents in his locality, then most likely he will decide in favor of repairing or replacing the device with a new one.

About food products and return methods, you can read the information material:



In what cases, the legislation is on the side of the sellers?

A similar list of rights is available to sellers during the period of return of purchased products. The point of sale undertakes to carry out, the implementation of the procedures prescribed by the laws in force, in cases where the goods actually turned out to be damaged and the buyer is not guilty of this. In order to determine who is right in this situation, and all parties insist on their innocence, it is necessary to carry out an examination.

Additional moment. Authorization rights for sellers during the product return period are well protected in cases where customers were informed at the time of purchase of the item that the product had any malfunctions (this was the reason for returning the product). As the main evidence that the point of sale informed in advance about possible nuances in terms of product features, the relevant check receipts that were attached to the device in the document can be provided.

In some cases, there may be those outlets where the product was purchased. Based on judicial practice, there are situations when the consumer knew and was informed about possible product malfunctions, and the product itself was purchased in thrift stores. In such situations, the law will be on the side of the sellers and the money will not be returned.

Who pays for the examination?

Most often, the main disputable situations are the cancellation of sales transactions, when there are facts of product recognition, with the presence of existing shortcomings. A little higher, it was already described that it is necessary to carry out an examination. Sellers undertake to pay for this examination, since they may doubt the words of the consumer.

In cases where the effective conclusions of the examination of the buyers do not suit for any reason, they can challenge these actions through the courts (they can offer during the hearing the results, according to the conclusions of other appropriately qualified experts, as a result of the study of the alleged products) .

When the due expert on behalf of the sellers finds out that the goods were damaged by the buyer, the consumer undertakes to fully cover the cost line. This includes the services of experts, the cost of delivering products to the field for the implementation of relevant examinations. It is possible that the costs may exceed the cost of the product itself. For this reason, human rights activists advise the consumer to agree to examinations only in cases where they are completely sure that they are fully right in a particular situation.

So, in what cases can you provide a refund during the return period?

At this stage, the situations established by the current legislation of the Russian Federation should be listed:

1. in cases where the product is of inadequate quality, and the sellers fully agree with this, that there are significant problems with the product that did not arise due to the consumer;
2. when the item is not functional and this has been proven thanks to the expertise, and the fault lies entirely on the shoulders of the sellers;
3. it may well be that the consumer will stand up in court. A situation may also occur when the expert opposes the buyer, but the judges come to the conclusion that in this situation it is the sellers who are wrong.

Money moments

In situations where between buyers and stores selling products, which at first glance agree to return the money paid for the products, various inconsistencies may unexpectedly arise on the subject of the financial side.

Most often, the main causes of this incident can be situations where consumers bring products at the time of their rise in price or fall in price. If the first case takes place, then the consumer will obviously not like it, which means that he will be given smallest size amount than he previously paid. The second case involves sellers who do not want to incur costs and can insist on the return of products at the current price or undervalue.

Meanwhile, the rights of authority during the period of the return of products take place, since the citizen can hope for a compensation payment during the period of a possible difference in price. Thus, in cases where the cost of production is high, the consumer will receive a reflective amount. If the cost of the product is much lower, then the cost that he paid.

When it comes to the nuances of financial aspects, most goods are purchased through loans. Here it is necessary to clarify the rights of the consumer during the return period - smartphones, computers, coffee makers, printers or kettles that were purchased with a bank loan. In accordance with the current legislation of the Russian Federation, consumer rights should not be infringed.

When products are purchased through a loan from a banking institution and it turns out that they do not meet the proper quality, the outlet undertakes to pay the consumer not only those amounts that are equal to the price of the goods, but also to make compensation payments of interest and related lending costs.

You can read an interesting article about the claim procedure for resolving a dispute with a car service:



The main list of observed deadlines

It should also be noted, in what period of time is it allowed to take the goods to the point of sale, which does not correspond to the proper quality? it is necessary to correlate the relevant authorized rights of buyers during the period of return of products, in accordance with the warranty obligations.

According to the norms established at the legislative level, the terms can be as follows:

1. return of damaged goods that can be technically categorized complex product, possibly up to 15 days after the sale of the goods. This regulation is extended to those situations where the product is named in accordance with significant shortcomings (it has unsightly views and completely lacks any functions);
2. in cases where the consumer could not familiarize himself with the existing regulations in accordance with the warranty obligations, then there are relevant legislative normative documents on this matter. When stores undertake to carry out activities carried out by their own person, and exceed this period by more than 30 days within one year, the consumer has the opportunity to return funds for the products sold;
3. return of damaged goods that do not belong to the categories of technical, complex products, then the return of the product is possible only within the period of time established in accordance with the warranty obligations for the expiration date (if there is no information on this product, then the consumer has a period of up to 24 months from the date of purchase of the goods being sold);
4. most consumers are interested in questions, during the period of product return, in what period are sellers required to return funds? In accordance with the current legislation of the Russian Federation, this period is regulated within 10 days from the period when the consumer applied to the outlet.

Conclusion

Thus, the return of goods to the supplier is quite the place to be. To do this, the consumer will need to analyze the relevant evidence that relates to the fact that he does not have any fault in the fact that the goods were damaged.

In these situations, it is recommended to contact the appropriate qualified specialists, namely, human rights activists who are able to fully defend the rights of their own client and prove his innocence during the acquisition of one or another thing at the outlet. This means that it will not be difficult for a citizen to prove his own innocence during the period of legal proceedings in a court of law.

Important! For all questions, if you do not know what to do and where to turn:

Call 8-800-777-32-16.

Free legal hotline.



Food poisoning can affect anyone who goes to the store. Admittedly, this doesn't happen very often these days. Due to the fact that various TV shows dedicated to entire retail chains and manufacturers began to appear and become popular. Full-fledged laboratory research is carried out there, restaurants are checked literally during prime time, and any institution is literally turned outside. Therefore, quality control is being monitored more diligently. But not always.

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What is the risk?

Let's begin with food poisoning this is not what we expect when we give our own money to the store. Since there is spoiled, it is:

1. Put your own health at risk;
2. Putting the lives of your own children at risk.

After all, not all products that have deteriorated cause a common disorder. digestive system. In some, such aggressive toxins and poisons are formed that their consumption, even in small quantities, can even make an invalid. ordinary person. In particular, this applies not only to meat, but also to fish or, for example, mushrooms.

As well as other meat products or ready meals based on them. Despite the fact that the picture of ordinary poisonings is well studied, not everyone has time to get to the hospital.

And poor health is still explained by anything, but not eaten sausage cuts, for example. They call an ambulance when it gets really bad. And not always such late medical care allows you to return the patient to a normal normal life. Let's look at a couple of cases.

fatal fish poisoning

It happened just six months ago, in Moscow. The young man just bought fish in one of the stores of a large retail chain. Naturally, nothing was suspected, since she looked normal. Late in the evening, he and his wife sat down at the table and ate the ill-fated "fish" to their heart's content. The result is the following:

1. The woman went to intensive care;
2. The man went to the morgue.

The victim could not even be saved, despite the fact that the doctors used everything they had. As practice shows, this is quite a common situation for a large city. This situation does not surprise anyone, and the consciousness of civil society is growing, but at an extremely slow pace.

By the way, on this moment the surviving wife of the deceased sued the network. And I must say that the prospects for winning the case are very encouraging. Because there are a lot of scandals in the stores of this grocery chain. And numerous inspectors are simply tired of constantly collecting complaints.

But we must understand that it will not work to cover up an entire trading network because of one or even a dozen deaths. This is too much money, and it is easier for companies to fight back with various compensations. How to tighten the control of suppliers and literally whip their sellers with whips, interrupting the expiration dates on packages in stores.

Another case of fish

Here everything happened with a certain batch of fish. In particular, we are talking about a certain stall that brought a part of the batch of fish to itself and sold it to its customers. It is well known that:

1. There are 4 cases of poisoning;
2. 2 people died.

As a result, departmental bodies worked conscientiously. The entire batch of spoiled fish was urgently recalled. And the Investigative Committee (regional) joined the case, which began numerous checks.

There is nothing surprising in the fact that the poisoning occurred with botulinum toxins. The diagnosis in all cases: botulism, and it was established by the doctors of the local infectious diseases hospital.

As practice shows, such cases do not always cost sellers without consequences. For this, they can be seriously fined and punished up to criminal prosecution. In this case, not only the investigative committee got involved, but also:

1. law enforcers;
2. Rospotrebnadzor.

In particular, the entire batch of products was promptly sent for examination, where the presence of botulinum toxin was confirmed. In addition, other problems were found in ordinary, seemingly harmless fish. In addition, they decided to prosecute the entrepreneur who owned the stall, and at the moment the first court hearings have begun.

It must be understood that botulism is a deadly disease, the symptoms of which can only appear 8 hours after the food has entered the body. And the degree of its severity can be confirmed only in a full-fledged infectious diseases hospital. If you ignore poor health, then the infection will abruptly turn into more complex shape and cause the death of the patient.

Therefore, we are talking about the fact that in a situation where you are poisoned by any products, it is better to call an ambulance in a timely manner. Otherwise, the consequences can be extremely dire.



Why is expired meat dangerous?

In general, it's no secret to anyone that many retail chains are doing everything to "prolong the life" of products. In particular, this applies to various ready-made meals that are sold directly from the supermarket's own production. This applies to:

1. Ready salads;
2. Complete meals in portions of 100-400 grams;
3. Grilled chicken, etc.

Speaking globally, it is better to refuse to consume such food altogether. Since a huge amount of chemical reagents and reagents is used for the production of such ready-made food. What has already been filmed is just a fantastic number of TV shows.

So, grilled chicken, for example, is kneaded with a special gel. Which allows you to increase the volume of the final product.

And meat and fish products that are slowly beginning to "spoil" can begin to do a full-fledged "recovery" procedure. These are not only various preservatives, but also quite a mechanical cleaning of damaged areas. You yourself understand that not always the craftsmen of the workshop manage to clean the piece of rot properly.

Therefore, some ready-made dish can be made from such expired products. By purchasing which, you risk best case get serious disorder intestines.

And if a small child consumes such food, then his chances are much less. After all, the children's body is more susceptible to toxins. And it can not always withstand severe food poisoning. And the price of this frivolous attitude of parents is the life of a growing daughter or son. Therefore, it is better to drive children away from these ready-made salads and grilled chickens like from fire. Moreover, such food will definitely not bring much benefit.

immortal sausage

A similar situation occurs not only with fish or meat. For baking, for example, even in "elite" supermarkets, the attitude is very "careful". Sellers simply reject everything that is dry, and relabel everything else, and you buy a delay.

But most of the problems are caused by sausages. And again, mainly large chain hypermarkets are famous here.

Let's start with the fact that working with illiquid assets is extremely problematic. After all, you need:

1. Clean it up on time
2. transport and store;
3. Dispose of properly.

And in a hypermarket that operates in big city this is problematic enough. Here the employees, and sometimes the management together with them, begin to "invent" ways to make products immortal. Sometimes it turns out, but in this situation the consumer no longer chews an ordinary sausage, but the entire periodic table and a set of carcinogens in the form of a harmless stick of boiled sausage.

In addition, the self-production of "sausage" cuts also saves on losses on late batches.

In addition, some sausages may lose their entire presentation if they are cooked. Therefore, in workshops that are inaccessible to the average buyer, the released fat can be cleaned off simply mechanically. Repacking the product or cutting it. Naturally, the expiration date is also interrupted. Needless to say, the consumption of such a sausage can lead to serious problems.

Another way to rid sausages of mold is processing with vegetable fat. Market employees can simply wash the spoiled product, and then put it back on the counter. Needless to say, toxins and microbiology have not gone anywhere from the doctor's stick. And you can bring all this to your table.

Secondary processing and recycling

As we said above, this is the so-called non-waste sale. What do you think, are all grilled chickens and other finished products sold within their expiration dates established by law? Naturally not, in most cases it is mathematically impossible. So, we use:

1. preservatives;
2. Baths with potassium permanganate

It turns out quite well, because such a complex "processing" manages to suppress not only the first external signs of corruption.

In addition, chickens that are not sold along with sausages can be processed into full-fledged minced meat, for example, or grilled.

Markets do the same with all raw meat products that have been lying on the shelves for a long time. You have probably seen plastic buckets with ready-made pickled shish kebab. This is very convenient, because you can buy a ready-made barbecue set in a situation where there is simply no time left for marinating.

And for this convenience, you can also pay with your own health. The thing is that just beef and pork are sent to such sets, which no one has ever bought. The secret is extremely simple: the old meat is pickled, after which it is properly peppered and processed. As a result, you simply cannot “smell” a bad piece of meat, because it was filled with very odorous compounds and covered with spices so that it burns in your mouth even after frying.

Naturally, there will be those who will try to justify such "tricks". They say high-temperature processing allows you to get rid of any problems with meat. But you must admit, if one of these buckets turns out to be stuffed with a microbiome dangerous to health, then it will not always be possible to compensate for this moment with a hot one.

Not to mention the fact that the actions of a chain store in general cannot be justified by anything. Yes, they incur some costs due to overdue disposal. But frankly deceiving your consumer by flirting with expiration dates is strictly prohibited. After all, this can lead to serious and severe poisoning.

And the most important point: almost all cheap chain supermarkets do this. You can make a whole list of what you should not buy in supermarkets, as this can lead to serious health problems.

In fairness, we note that this is not only done in supermarkets and small shops in residential areas. This happens in the markets and in small stalls. Therefore, no one can give guarantees.

And now about what to do if you have already been poisoned.

About deception with a contract agreement, you can read the material: They deceived with a contract agreement - the work was done but the money was not given



What to do?

To begin with, food poisoning itself has yet to be proven. Therefore, we recommend developing the main habit: carefully and scrupulously collect all receipts from stores. Take them everywhere:

1. In shops;
2. in the markets;
3. In stalls, etc.

Naturally, this applies in the context of our grocery shopping article. Everything else we do not take into account.

In addition, it will not be superfluous to check all expiration dates in the store. Some sellers are too lazy and irresponsible, so instead of interrupting the marker with the deadline, they simply stick it on the factory packaging. Try to pry off such a sticker, and don't be surprised if you find another one exactly the same under it.

The seller who caught you doing this may start screaming and making a fuss. You should not give in to his orders, because not only other employees and guards will come running to the cry. Buyers will be very interested to know that they are selling overdue products here.

Also, make it a habit to keep the "risk category" packaging for a while longer. First, it will come in handy in the case of poisoning. And secondly, the packaging is clear evidence that the matter is still in the product, and not in the fact that you decided to make money by suing the manufacturer for no reason.

What is proof?

So, you feel bad after dinner for example. The steps are extremely simple:

1. We call an ambulance;
2. When talking with the doctor, we mention everything that we ate before you became ill.

Also, make sure that your suspicions appear in the papers. This will be good evidence that the poisoning may have been provoked by a specific product or dish. And then the usual chain is already built from:

1. check;
2. packaging;
3. Discharge epicrisis.

In the latter, the doctor substantiates the diagnosis. And it is this document that can cause you to seek help from the court.

If several members of your family were poisoned, then such papers will carry even more weight. Naturally, we recommend that you collect all the documents related to contacting the hospital.

In a situation where the check was not given in the store or you lost it, you can make an account statement. In a situation where all purchases are paid for by regular bank card. In court, this will be equivalent proof that purchases were made in this particular store.

We are preparing a complaint to Rospotrebnadzor

All actions of the consumer in a situation where he is faced with a delay are regulated by:

1. Art. 18 of Law No. 2300-1;
2. 503 of the Civil Code of the Russian Federation.

We recommend that you submit the packaging with the remains of the product that could cause poisoning for examination. This is done by laboratories under the department of the Sanitary and Epidemiological Station. It is in a situation where the above-mentioned sanitary inspection body finds some E. coli or staphylococcus in the product - the likelihood of success increases exponentially.

After that, you can already prepare a claim to Rospotrebnadzor. Get a professional lawyer to help you get it right. And to the complaint itself, you need to attach:

1. Witness testimony (in writing);
2. Results of the conclusion a dignity. expertise;
3. checks;
4. An extract from the hospital, for example, etc.

It is also advised to attach the conclusion of the attending physician. Which will describe the nature of the poisoning and all the tests that revealed the presence of a particular toxin. This will come in handy so that the store does not manage to get away with it dry.

In addition, you can also submit a written complaint to the store management at the same time. And if the answer does not satisfy you or you have suffered serious losses, you should immediately sue.

You can read about how goods are returned to the store via the Internet in the article: Returning goods to the online store - marriage and substandard + not what was promised



To court against the store

This is where you need the help of a good lawyer. Any paper evidence and confirmations, including all of the above, are attached to the statement of claim. As well as the answers given by the administration of the store and Rospotrebnadzor.

You can also attach here:

1. Checks for payment of medicines;
2. Receipts for payment of honey. procedures related to poisoning;
3. Claim and response to it, if any;
4. Claim for reimbursement of money spent.

The last moment is regulated by article 1085 of the Civil Code of the Russian Federation. In a situation where your claim is rejected by the court of first instance, for example, we recommend that you appeal its decision to a higher court. For the reason that sometimes the store financially tries to influence the authorities, including the judiciary. To hush up the conflict. Instead of working normally with the victim and reimbursing everything on a voluntary basis.

Important! For all questions, if you do not know what to do and where to turn:

Call 8-800-777-32-16.

Free legal hotline.



Many users today are interested in the question of where to go with complaints about the service station regarding the car being repaired, what is a claim to a car service? Just for this reason, we have prepared important information and are ready to cover it in more detail in the material presented.

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Claim for poor quality service in car services

There are situations when the car owner takes the car out of the passenger compartment, but meanwhile again there are some types of non-breakdowns. And this is happening today. Often the reason lies not in the features of the car, but in the provided car center, where the car owner applied before the start of repair work.

However, how can such situations be avoided, and how, if they occur, to receive compensation payments and eliminate the entire list of shortcomings yourself? First, you can contact the auto center with a pre-trial claim. It is necessary to carefully understand how to compose it correctly.

Claim terminology and execution during the period of car acceptance for repair

Claims are expressed in written forms of dissatisfaction from customers. Often this is due to poor quality services performed. This can be fully used during the period of pre-trial proceedings, which will resolve the problems that have arisen by peaceful means.

This document must contain factual evidence of the wrongdoing of the persons concerned. The claim contains claims for damages or the elimination of any malfunctions.

At the moment when the car owner hands over his own car to the car center, he undertakes to draw up an act for receiving the car for repair. An order is also drawn up on order with the appropriate approvals for the necessary work and at the price for the services rendered.

Contractors undertake to carry out their own activities to the client:

1. provide services on time;
2. fulfill the necessary volumes of services and their proper quality;
3. determine the cost of the work and coordinate their implementation;
4. comply with the warranty period.

In those situations where any items have not been met, the services are considered to be of poor quality. In turn, the customer has every right to pre-trial settlement of claims for poor-quality repair work in the auto center.

How to make a claim to the auto center?

Also, it is necessary to have knowledge of how to properly file claims to auto centers. In the future, such documents will become the main evidence in the period of legal proceedings and for attempts to peacefully resolve conflicts.

There are no specific requirements for presenting a claim letter. Documents are drawn up in accordance with the free presentation format.

But the car owner will need to provide the following data:

1. the document must be called Claim, before the presentation of the relevant facts;
2. specify state numbers and car brands
3. identification numbers;
4. list of faults;
5. the name of the organization to which the car owner applied;
6. at what time, who and when eliminated the malfunctions;
7. what specifically served as the main reason for writing a claim;
8. a list of certain requirements from the customer: fix problems, issue monetary compensation that outrages the damage caused, etc.

Important: It will not be superfluous if the car owner indicates the exact dates for the order and the deadlines for its implementation, the cost of the work provided, the amount of money spent, the warranty period, if any.

A photocopy of the receipt received during the period of payment for car repair and transportation services must be added to the documents.

Important: Claims should be written in a legible way, indicating the passport details of the car owner of the car, as well as the name of the organization and officials against whom the claim is made.

In what order should a claim be filed?

First of all, it is necessary to draw up 2 copies of documents. The first copy must be handed over to the representatives of the organization that carried out the repair work. The second copy remains with the car owner and it is necessary to fix the exact date and time of the transfer in it. This document needs to be certified by the relevant signatures of the officials who accepted the claims. Also, you must put the seal of the organization.



What to do if the car service refused to accept claims?

In this case, it is necessary to send documents by registered mail to their addressees. You should also draw up appropriate inventories of the created attachments and issue them at post offices with the appropriate notification on behalf. Duplicate documentation must be kept. This is required so that the management of the auto center does not say in the future that the car owner did not make a claim, but thanks.

When are notifications required?

The notification will allow you to clearly track and fix the warranty period. At the moments when the customer requests repair work, he is able to file a claim against the organization. In cases where this is not previously agreed, the deadline will be set in accordance with regulatory documents. In accordance with these documents, the period will be valid for up to six months from the start of acceptance of work.

How long does it take for an organization to meet customer needs?

The employees of the auto center undertake to fulfill the requirements of the customer, which he indicated in his own claim.

In accordance with consumer protection law, it may include:

1. implementation of repeated repairs on a free basis, as well as the elimination of a malfunction;
2. return of funds that were spent by car owners on repairs in other car services;
3. compensate for the damage in cash.

These operations must be performed within 10 days from the date of writing the claim. If a representative of the organization refuses to comply with these requirements, then the car owner has the right to file a claim with the court. In this case, the car service company undertakes to pay the legal costs and costs, as well as the price for the listed claims.



What rights do customers have?

On the side of customers is the Consumer Protection Act. In accordance with Article 28, the service agreement may be canceled during the period of delivery of the car to the car center, in cases where the rights of the car owner are infringed.

If the deadlines for the implementation of repair work are violated, then the auto center undertakes to pay penalties up to 3% of the order price.

Important: The car service company will not be liable for malfunctions only in cases where a hidden defect is discovered in the purchased spare parts, which were previously unknown during the repair work.

If the requirements have not been met, the client can apply to the court with the presentation of the relevant requirements. Experts recommend using the services of auto lawyers. These specialists have high experience and relevant qualifications, and are also able to ensure the protection of the rights of their own customer in the shortest possible time.

Car dealers or car dealerships refuse warranty obligations for car repairs

All vehicles, including new or old ones, tend to malfunction. During the period of buying a car, the car owner expects that if any problem arises, he will be able to contact car dealers who will be able to correct the situation, in accordance with warranty obligations. But there are cases when car dealership specialists refer to a malfunction that has arisen, and transfer all the blame to the car owner or other reasons, and subsequently refuse to carry out warranty repairs to the car.

How can you defend your own rights, and what to do if car dealers refuse to repair a car in accordance with the existing warranty?

If you have problems using the car, and in turn, the car service refuses to fulfill warranty obligations, and the car dealer refused to change auto parts in accordance with the warranty, it is recommended to contact a car lawyer.

Professional specialists will accompany the customer during the dialogue with car dealerships, help to draw up written claims in accordance with the current legislation of the Russian Federation in relation to the car dealer, which is responsible for providing guarantees. In cases where the term for the repair work of the car is not established by the agreeing parties, then the warranty obligations must be carried out in the shortest possible time.

45 days are allocated to eliminate the relevant defects. The car should not be in a car service for more than 30 days during any warranty year.

In which case, the rules on warranty obligations for cars may not be followed, or why can they be removed from warranty obligations?

It should be borne in mind that refusals of auto centers in warranty obligations for the repair of a car will be justified.

At this point, you must provide full list possible causes, according to which the vehicle can withdraw from the warranty:

1. the car has become unusable due to the car owner during the period of improper use;
2. there was no scheduled technical inspection, which led to a malfunction of the car;
3. the car was used for a public purpose, for example - as a training, for sports races, etc.;
4. force majeure circumstances arose, for example - war, flood, hurricane, hail, etc.;
5. vehicle identification numbers did not match or similar situation with the engine, so they differ from those indicated in the warranty card;
6. the car owner refueled the car with low-quality gasoline or fuel that did not meet the manufacturer's requirements, which subsequently led to the failure of the engine (to determine this, it is necessary to carry out an examination), and the claim for engine repair itself can be sent to the gas station where the car owner ran a car;
7. the power characteristics of the motor have been changed.

In any situation, the car owner will need to write the appropriate repair requirements to the car center, with available evidence that the malfunction was not the fault of the car owner and ask why the car was removed from the warranty.

In cases where the expert points out that the case is not guaranteed, the car owner will need to reimburse the cost of the examination. The car owner has the right to participate in the period of the expert analysis, and even better, call an experienced car lawyer with you. It is possible that the situation will drag on and further legal proceedings will follow.

Naturally, the car will stand still for this time, but there is a chance that the car owner will win the court case if he does not eliminate the defects that have arisen, but provides evidence of their presence.



How can you competently hand over cars to official car dealers so as not to receive warranty denials?

In cases where the car breaks down, it is recommended to call a tow truck to deliver the car to a nearby car center. In no case, you should not add technical fluid yourself - oil, antifreeze.

Otherwise, the auto center may say that the malfunction happened due to low-quality motor oils, and the case itself is not guaranteed. It is recommended to keep receipts for payment for evacuation (car dealers undertake to reimburse these costs).

When the car is transferred to a car service, then they must issue the appropriate documents, which will say:

1. The vehicle must undergo a warranty repair;
2. a detailed description with the presence of the current state of the car;
3. complaint of the car owner on the quality of the vehicle;
4. repair period.

In cases where the malfunction is easy to fix, then the period of repair work does not need to be indicated. In any case, the maximum terms for car repair cannot last more than 45 days. If the deadline is exceeded, then penalties will be charged, amounting to 1% of the price for the price of the car for each overdue day. And in such situations, auto lawyers will be able to complete the relevant claims for payment of penalties, as well as for the car to be replaced or the money to be returned to the car owner for it.

Naturally, a car enthusiast may find himself without a car for the period of repair work, when the car center refers to the lack of spare parts for the vehicle, or even announces vague deadlines for completing car repairs. In accordance with current legislation, if the required spare part is not available, then this is not a reason to extend the warranty period.

To avoid additional problems, it is better to contact professional auto lawyers. If the auto center violates the warranty repair deadlines or the auto dealer refuses to replace spare parts in accordance with the existing warranty, then this is a reason to terminate the car purchase and sale agreement.

It is also allowed to replace the vehicle with its analogue. The car owner can use the vehicle during the entire warranty period, as well as give the car for warranty repair, and if there is a delay, it is allowed to return one hundred percent of the cost or replace it with a new car without any additional payments.

Important: The car owner has the right to pick up his own car upon presentation of a passport and documents indicating the full right to drive a car. When the vehicle is handed over for repair, it is necessary to make a photocopy of the document (order by dress, contracts, etc.) and present these documents instead of the original at the time when you want to pick up your own car.

In accordance with the current legislation, namely article 20 of the RFP, which provides guarantees in the presentation of complete information on the current car repair for the car owner.

During the period of issue of the car, the car service undertakes to present:

1. data on the timing of the appeal of the car owner, with the presence of requirements for troubleshooting;
2. the term for handing over the car for repair;
3. the period when the defects of the car were eliminated, as well as comprehensive information on the malfunctions themselves;
4. information about used, replacement, spare parts and materials;
5. the period when the car was given to the car owner and the repair work was completed.

If the service center dissuades, then they need to be reminded that repair work must begin immediately, in accordance with article 20 of the current legislation. At the same time, for each day of delay, the car service undertakes to pay a penalty of 1% on the price for the car. And if the auto center still does not pay the penalty, then the court will collect penalties up to 50% of the total cost, in accordance with the statement of claim of the car owner.

Also, it is recommended to invite the service center specialists to explain in writing their arguments on the document with the repair requirements and to clarify the dates of the expected arrivals for the issuance of the car for repair work in accordance with the existing warranty. When the specialists do this, the car owner will have grounds for a penalty, as well as for requirements to replace the car, and also to return the personal finances that were paid for the car.

Conclusion

Thus, a claim to a car service has a place to be. You should prepare for this action thoroughly, and even better, hire a qualified auto lawyer who can actually help move this case off the ground. The car owner will need to prove that the malfunction is not his fault. In cases where car dealers or car centers refuse to provide warranty obligations, it is recommended to file a claim with the court and protect your own interests during the legal proceedings.

A complaint against a laboratory assistant is an official document that establishes the requirements of the patient and describes the essence of the occurrence of such requirements. According to article 4 federal law "On the procedure for considering applications from citizens of the Russian Federation" complaint- a citizen's request for the restoration or protection of his violated rights, freedoms or legitimate interests or the rights, freedoms or legitimate interests of other persons. Responding to a written complaint is mandatory for official bodies and organizations. In addition, consideration of the complaint must take place in full compliance with the procedures and deadlines established by this federal law.

We offer our sample complaint, in which we tried to take into account all typical situations. You can correct and supplement the specified sample - the complaint does not have a mandatory prescribed form.

Before writing and filing a complaint against a laboratory assistant we recommend you:

• get free legal advice on the rights of the patient, which will save your time;
• read the following materials of our resource: how to write a complaint correctly and how to file a complaint correctly.

sample complaint letter for lab worker

To the chief doctor of the state (municipal (private) healthcare institution (name) (address)

Ministry of Health (name of the executive authority of the constituent entity of the Russian Federation with powers in the field of health protection) (address)

Prosecutor's Office (name of the subject of the Russian Federation) (address)

Territorial body of the Federal Service for Surveillance in the Sphere of Health Care for (name of the subject of the Russian Federation) (address)

from Surname First name Patronymic, residential address

(for example: Ivanov Ivan Ivanovich, Moscow, Moskovskaya st., 134, apt. 35)

Complaint against a laboratory assistant

I, Ivanov Ivan Ivanovich (indicate your surname, first name and patronymic - the last one if available), on September 25, 2017 (indicate the exact date of the event) felt unwell, namely (indicate the specific symptoms of the disease) and decided that I would need a laboratory assistant.

This circumstance served as the basis for my appeal to a medical healthcare institution (specify the type medical institution and its name, for example City Polyclinic No. 9) for providing me with medical assistance.

At the same time, the following unlawful actions (inaction) were taken against me in this institution, namely (select the one you need, in addition, add a detailed description of the situation to your complaint and attach evidence):

• I was denied medical services for the following reason (describe the situation and the reason for the refusal, for example, “after finding out the fact that I applied at the place of temporary stay, I was denied medical assistance”, etc.);
• I was given poor quality medical service;
• medical assistance was provided untimely;
• I was misdiagnosed;
• the laboratory assistant refused to accept the patient;
  the doctor was negligent;
• I was given the wrong therapy;
• after receiving a laboratory assistant, health deteriorated;
• had to incur excessive financial costs;
• the doctor treated me rudely;
• laboratory assistant violated medical confidentiality

In accordance with Article 4 of the Federal Law “On the Fundamentals of Protecting the Health of Citizens in the Russian Federation”, the main principles of health protection are: observance of the rights of citizens in the field of health care and provision of state guarantees associated with these rights; priority of the patient's interests in the provision of medical care; availability and quality of medical care; inadmissibility of refusal to provide medical care; the priority of prevention in the field of health protection; observance of medical secrecy.

Based on the above, I ask(choose the one you need):

• take measures against the laboratory assistant (indicate the surname, name and patronymic of the laboratory assistant),
• refund my expenses
• correct the situation.

Date, personal signature of the person filing the complaint against the laboratory technician

For consumers in the service industry, there is now a very large choice. In addition to municipal medical institutions and diagnostic laboratories, there are private clinics and diagnostic centers. Practically in any private laboratory or city polyclinic, where there is a self-supporting system, you can take tests and get a medical report for a certain fee. If you have a medical policy, services of this kind are provided in municipal institutions free of charge.

Is there a risk of cheating when taking tests?

Regardless of whether it is a municipal or private clinic, laboratory, medical Center, the possibility of fraud in the delivery of tests exists.

There are several options for this kind of deception:

• When taking tests, the medical worker, due to his own carelessness, mixed up the biomaterial. As a result, someone else's biomaterial got to the study. Ultimately, the patient will receive information about other people's indicators. A laboratory employee who directly conducts the study can also make such a mistake.
• The biomaterial obtained for the study was lost due to some circumstances due to the fault of the employees of the medical institution, and other people's analyzes got into the study.
• When entering the analysis data into a computer program and typing, errors were made in the direction of decreasing or increasing biochemical parameters in the analyzes.
• The study was conducted in bad faith and does not contain true data.

As a rule, almost all actions lead to one result - when passing tests, they gave incorrect data.

What should I do if I get incorrect data during the test?

When considering the problem through the human factor, it seems that nothing terrible happened. A situation that occurs quite often in life. And who in this life is not mistaken.

But in the case of medicine, it is important to understand that we are talking about the most important thing - human life and health. Under such circumstances, the client of the medical institution loses time, often money. Well, if suddenly we are talking about a sick person, then time can be worth its weight in gold in this case.

How to restore your violated rights?

To begin with, it is necessary to analyze the circumstances by examining the details: what documents are available confirming the delivery of tests, payment, visiting the organization, and finally speaking of an error.

In order to more clearly understand your subsequent actions, the surest decision would be to seek legal assistance in a medical dispute. A qualified lawyer to explain the legal nature of the actions of employees of a medical institution, the procedure for restoring violated rights and the limits of responsibility of physicians.

Properly and timely provided legal assistance in a medical dispute is already almost 1/3 of the solution to the problem.

If there is no desire to raise a scandal, and there is free time for re-testing, an alternative can be offered to medical personnel and the administration of the medical and diagnostic institution. For example, free delivery of repeated tests with the intake of biomaterial out of turn. Or an accelerated study with the issuance of results in the shortest possible time. Most often, in order not to raise a fuss, offenders go to meet their client.

Each case is individual, and the person who applied for the service decides for himself how antisocial and dangerous for the health and life of a person was a legal offense committed by doctors and how important it is for him to hold doctors, hospitals, clinics accountable.

What consequences await the medical staff in this case?

When deciding how to hold doctors, hospitals, clinics accountable, the degree of negative consequences that entailed erroneous test results issued to the patient will be important. Whether for this reason circumstances have arisen that worsen the patient's state of health. For example, an erroneous analysis of the body's susceptibility to a certain chemical or a medicinal product, if used, it can lead to undesirable negative consequences.

In any case, the medical staff and the administration of the medical institution are responsible. The nature of their actions and the legal analysis of the situation makes it possible to decide what responsibility is at issue. For example, about civil, administrative or criminal.

As part of their job descriptions, employees of a medical institution may be punished in accordance with the norms of the Labor Legislation and in the field of healthcare.

The administration of a medical institution may be sued for violating administrative law.

If the client goes to court with claims for compensation for material and moral damage, then we are talking about civil liability.

At serious consequences that caused damage to the life and health of the patient, then the question often arises of bringing to criminal responsibility the employees of the medical organization and management.

In this case, constitutional human rights are also violated, for example, the right to life.

Solving such a problem on your own is quite difficult, and in any case right decision will contact a lawyer to resolve such disputes.

It is important to understand that the medical staff of any medical institution is responsible for the health and life of the person who came to the appointment. They are required to comply with ethics, and their job descriptions, regulations governing healthcare in Russia.

When visiting paid and municipal hospitals, clinics and laboratories, vigilance and caution must be exercised. Read the tags on the container with biomaterial, carefully study the documents that are given for signature. If any deception is found on the part of a medical worker, contact the administration of this organization with a claim. Ask questions when in doubt.

Important! For all questions of a medical dispute, if you do not know what to do and where to turn:

Call 8-800-777-32-63.

Medical lawyers, and attorneys who are registered on Russian Legal Portal, will try to help you from a practical point of view in the current issue and advise you on all issues of interest.

Can the results of such analyzes be trusted? And if not, then what to do? Doctor and blogger Tatyana Tikhomirova collected the most striking statements on this subject and accompanied them with an exhaustive commentary.

Yes, it's convenient, but...

Yes, now there is a decent number of companies that have a lot of material on analyzes on their website in an accessible form for a non-specialist. You can choose what you want to test for, and then even interpret the results yourself using the laboratory's interpretations. It's convenient, albeit expensive. At the same time, you donate blood not sitting from eight in the morning for a couple of hours in a terrible queue at the district clinic and not rude laboratory assistants, but sitting on a soft sofa in a clean office with a TV, and even then a couple of minutes. Or even without leaving the house. And at a convenient time for you. And the analyzes are sent to you wherever you want, and you don’t have to go to the clinic again for them. Naturally, a lot of people use it, demand creates supply, the number of firms is growing. And it would all be just wonderful if Russia had at least some kind of quality control system for analyzes.

But no one controls anything

But there is no such system in Russia. Maybe on paper it exists somewhere, but in reality it does not exist in any form. External blind control: control samples with previously known results are sent to the laboratory "incognito". Laba gives an answer, if it is incorrect, then the license for this analysis is withdrawn, the laboratory pays a fine and is obliged to obtain permission to do it again, as well as provide information on what was the cause of the error and what measures were taken. And it is also obliged, according to its database, to find and notify all clients that the analysis was done incorrectly, and return their money. External open control: samples are sent to the lab, but the laboratory workers know that they are controls, they just do not know the answers. Do the analysis, send, the consequences are the same. Worse, "stream" samples can be made as usual, and "control" samples top quality and strictly according to the rules. Like in a candy factory, there is a concept of "make a cake for your own", and the result is very different from other cakes. But there is not even such control anywhere.

Internal quality control. The principle is the same, but the personnel responsible for control sends control samples for analysis, at different intervals, blindly and openly. They give you a cap each inside the laboratory, no one takes the license. It's all in theory. The practice looks different: if the head of the lab is interested in quality, somehow and in some places internal control is done. If not, which happens much more often, nothing is done.

Why it is useless to sue and seek the truth in other ways

For the same reason that there is no control system. You have two analyzes on hand: according to one, you are healthy, according to the other, you are sick. Let's say anemia. There is a clinic for anemia, so the laba is wrong, which gave the result “everything is OK”. Theoretically, in another country and in a different scenario, the situation would develop like this: you file a complaint with a higher authority responsible for control. He requests a duplicate of your blood from the “wrong” lab, or better yet, you seize it yourself (and they are obliged to give it out without any explanation). A duplicate of the same sample, where “everything is OK”, is transferred to another lab, usually certified as a quality sample for this analysis, it makes its conclusion, hats fly. But in Russia there is no lab whose answer is regarded as exemplary, as true. Therefore, no matter what nonsense they write to you as an answer, no one, anywhere and in any way, can prove that nonsense is in the lab, where anemia was not found, but the truth is in the lab, where it is.

If you are trying to find the truth by simply presenting samples from another lab, these attempts are even more pathetic and useless. Well, they will take blood from you, even for free, again, well, they will do it normally or draw what you want, will this change something? No. Labe for this something will? No, because on what basis? And how can you prove it?

We have imported reagents and devices, so everything is ok with us?

Further. Why the risk of getting dog nonsense instead of an answer to an analysis is now extremely high, no matter where you donate your blood. Reagents are spent on any analysis, I will not discover America here. But there are two set-ups here that people outside the labs don't know about. The first is that if the laboratory has indeed purchased very high-quality instruments and reagents, it is expensive to work on them. So expensive that the price of consumables can overlap the final price of the analysis, and it will be unprofitable, at a loss. If you raise the price to a reasonable one, all customers will go to competitors. Therefore, it is necessary to equalize the price with the market. In this case, the only honest way not to work at a loss is to drop high-cost tests from the list (some people do this, but clients are also lost on this). There is a second honest way - to increase the batch of patient samples for one setting, that is, put not two samples for analysis, but 20 each. Then there will be the same number of controls (they are used inside the analysis), but the cost of analysis will fall by about 10-15 times . But how do you get 20 people into the lab at the same time wanting to get tested for Rocky Mountain Fever? No way, if you are not a lab of a large center, where such patients are in abundance. It is possible to accumulate samples, preserving and freezing, until a batch is accumulated that provides analysis at no loss. But then the patients run away. They do not care about the difficulties of the labs, they need quick answers, not two weeks later. And they can be understood.

Therefore, other methods are used to reduce the cost of analysis. For example, you can set controls not every time, but once or twice, build a control curve not by five points, as the instructions say, but by three. You can replace the branded buffer, which costs 10 bucks per bottle, with a similar one near Moscow, which costs 50 rubles per bucket. Or mix it yourself, using salts from the basement. You can reduce the amount of reagents by 2-3 times by dropping not the prescribed 50 microliters into the test tube, but a barely visible pisyun. You can cut test strips into 2-3 pieces lengthwise. And for analyzes, of which there are a lot, in which negative answers are flowing, you can apply the “bucket” method. In this case, all samples are mixed in one tube and the analysis is performed as if it were one sample. There will be a plus on it - we put them all separately for the second time, looking for which of them is positive there. And most often, everything is a minus, and we saved 10 reagents.

Such tricks - the sea. And all these tricks would not be a problem if there were quality control, at least internal. When, having come up with a cost-effective trick, you first prove that it really does not worsen the quality of the analysis, and then make sure that it does not worsen further, also beware of the punishment stick in the form of external quality control from above. But, as I said, there is no quality control in any form. Therefore, any trick to reduce the cost of analysis is checked only if it worries someone, and he worries infrequently. And I don't mean to say that the evil lab rats are deliberately messing up. Not at all. Just a theory about how to save money on analyzes, as well as the physics and chemistry of the process, is not taught in any medical institutes not even in refresher courses. In my practice, I came across such enchanting methods of cheapening that my hair stood on end. But to my question: it’s impossible because and because - the workers of the lab made huge eyes: “Yes-ah-ah-ah-ah ?! Ra-a-a-azve?! But everyone does it, and nothing!”

Therefore, I will upset you with a simple conclusion: no imported machines, reagents or kits are a guarantee of quality simply because working on them strictly according to the instructions is at a loss, you can’t raise prices, and almost no one knows how to save wisely.

We have very high quality Russian reagents, here are 20 diplomas and 10 medals for them!

Is it possible to solve the problem using cheap Russian instruments and reagents? Of course, you can, because the classic Zhiguli car drives, right? Absolutely the same in laboratory work: all Russian reagents, reagents, all kits - licked. All appliances are worn out and outdated. After being licked, they often pass under the articles “advanced technologies that have no analogues” and “support a domestic manufacturer” and receive all their diplomas and medals. At the same time, no one bothers to open the very first online catalog of a foreign company, order a similar reagent device there and check the effect of a local offspring. He has no analogues, remember? Or they pass this test ... well, by making a cake "for their own".

Further - worse. Just like in the auto industry Russian government extremely concerned about the support of everything Russian. Therefore, many labs in state institutions are put, excuse me, with cancer. Even if you do commercial analyzes and receive your own money for them, you cannot buy normal imported reagents and equipment in the lab with this money. Because there is a tender, according to which there is “exactly the same quality” (and cheaper) analogue of the Red Banner Muhosran plant for sale. And you must buy something that is the same, but cheaper. The quality is confirmed by diplomas, medals and recommendations from above. Some get out of this situation, some do not. Sometimes you read with horror an article in a newspaper that an advanced device or reagent has again been made at the Red Banner Muhosransky. So - Khan, you can’t order more German.

Conclusion: tests are a lottery. And you don't know the chance to win

Let me emphasize right now. There are simple analyses, there are old analyses. A clinical blood test, blood biochemistry, a general urine test - this is the set with which the probability of flying by and getting nonsense in the answer is the lowest. These are new Zhiguli on a flat dry road at a speed of 5 km per hour. These analyzes are cheap, they are done for at least 50 years, the reagents for them are usually simple and cheap, and the probability of error is relatively small. But even here there is a danger, since recently even in the most run-down clinic clinical analysis blood began to be performed not in the form of a laboratory assistant - a glass - a microscope, but on an automatic device. The biochemistry of blood has also changed, now there are devices that, one strip with a drop of blood, give all the necessary answers. Fast but expensive. And that is why now the number of crap in these analyzes is growing at an alarming rate, as people in the labs are trying new ways to reduce the cost of working on miracle devices. Therefore, if you were given an answer for clinical blood on a shabby yellow form filled with crooked hands and a pen, press it to your heart, it is more real and truthful than a printout in the form of "WB 0.02" on a check.

The rest: PCR, allergy tests, tests for infections, immunoblot, "immune status", tumor markers and markers of everything in the world and the rest of the "fresh stuff" - analyzes high group risk. It is on them that they train to hone the technique of saving.

What to do?

Trite: go to the doctor. Look for a good doctor. And having found it, cling to it with a stranglehold, feed it, please it and never lose it. And not because the doctor is very good. Because he has a lot of patients. And he, unlike you, has statistics on analyzes. That is, he sees the clinic, sees the answers of the laboratory, and knows in dynamics and on a group of examples where they do get along, and where everything is fine. A good doctor will often refer a patient to donate blood at 2-3 different locations. Because in lab A they do well analysis 1 and 2, but they screw up on 3 and 4, and in lab B - 3 is fine. Laba I is far away and works very inconveniently, but they don't give a good idea about the analysis 4. You don't know all this, and you can't collect such statistics yourself. In addition, the doctor, unlike you, knows such a thing as mutually exclusive tests. That is, with the answer "A" there are no such and such figures in the analysis "B". You don't know it and you won't even notice it.

And therefore, do not be surprised that, having come with a pack of tests to the doctor, you will hear that you need to retake everything, and he will tell you exactly where. Now you know why. And by the way, I’ll also make a reservation: doctors in state medical institutions are sometimes required to send tests only to their “native” laboratory, even knowing that they are doing nonsense there. And they cannot tell you about it, otherwise they will get a cap. Therefore, it is worth clarifying this question yourself in the form: “Doctor, I will take tests in the laboratory of your institution. But you know, I'm so paranoid, I want to be sure, can you tell me where else I can pass the same analysis? Just for myself, doctor."

I don't want to see a doctor!

Is there money? Well then, I’ll suggest one more or less reasonable way: donate blood in 2-3 different places for the same thing. Compare answers. Donate the same blood under different surnames (mandatory!) to the same lab, compare the answers. Draw your own conclusions where the answers converge and where they do not. But this method works only in the case of "digital" answers, and not in the case of "no, not found" to rule out a rare disease. But it's better than nothing.

And never draw conclusions about the quality of a lab based on the fact that your friend had everything ok there. Because he could do some tests that are really OK there, but you need others. Or because there is such a thing - statistics, and one case does not form it.

And about the quality of analyzes in this laboratory in the wake of a discussion in one of the social network groups.
I'll quote the entire post here.
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Medical injury. PART 6. Myth about laboratory tests or the whole truth about INVITRO!

Today we will generally get personal, mentioning the name of the laboratory ... Do you know what prompted me to write this article? But just yesterday, on Facebook, in the promamskoe group, there was a thread in which it was discussed that many doctors do not advise taking tests in vitro. Like, they cheat, their blood coagulates, they lose tests, etc. Vooot, let's take a closer look at what is really happening, otherwise the world of the Internet is full of rumors, yeah .... And these rumors are from allegedly very reputable doctors, yes, yes !!

I must say right away that I am not engaged, not affiliated and not lured by invitro, that is, I have nothing to do with this laboratory and never had. Neither directly nor indirectly, and people who believe rumors more than a person who has a valid certificate of a doctor of clinical laboratory diagnostics and has worked in one of the largest laboratories in Russia can cool their ardor, intending to accuse me of lobbying someone or something !

Let's start! So, the first myth. Invitro is a small semi-basement laboratory, we have been there more than once, they are sitting in the basement. Cool down, comrades. Invitro is one of the largest players in this segment of medicine, and what you call a semi-basement laboratory are just franchised offices that anyone can open by paying a couple of million and putting up an INVITRO sign. But this does not mean that the analyzes are done in the same place. Invitro provides its franchisees with consumables, and the courier picks up the biomaterial at a strictly defined time and delivers it to its own laboratory, where the production process itself takes place ... Yes, yes, that's what it's called!

Second myth. In in vitro, they do tests with their hands and it all depends on the change of the doctor. If the guest workers are on shift, they will do it wrong, so the blood coagulates and the results are incomprehensible. This is generally a rare nonsense. Firstly, such a laboratory takes a day, and such laboratories work around the clock, processes tens of thousands of samples, and if everything is done by hand, then the laboratory staff will be many thousands, which will lead to the fact that the prices for analyzes will be tens of times higher than they are Now. Almost all analyzes are performed on automatic analyzers of the world's leading companies and their measurement accuracy is hundreds of times higher than with manual performance. Only microbiological cultures, antibiotic susceptibility testing, and some ELISA and ELISA tests can be done by hand. [In the laboratory now, judging by the "Equipment" section on the website, there are at least 2 microbiological analyzers, and a preanalytical sorting system, i.e. manual work and the "human factor" in errors are trying to be minimized].

Third myth. They have the wrong test. In the medical textbook, other blood test standards are written. Here is a very common mistake. Anything can be written in the textbook and it will be far from the truth. each laboratory may have its own standards and they may differ from those of other laboratories. Norms or REFERENCE VALUES are not set by the laboratory, but by the manufacturer of the consumables the laboratory uses! unfortunately, many doctors do not know this either and also refer to textbooks of the 60-70s, calling the laboratory and making a scandal that they do not know how to interpret the analysis, since the references differ from those written in the textbook ... ..

Fourth myth. Invitro saves on analyzes and invents results without doing a real analysis. Well, I'm not going to comment on anything here, sorry. This is more like post-hangover syndrome. This is a jurisdictional matter and each tube that is sent to the laboratory is stored for up to 14 days after analysis and can be sent for rework if there is doubt about the result or if an additional order is needed for execution from the same tube. This, for example, happens when an analysis is performed, the result comes to the doctor, and he wants to see some more parameters based on the result. Then an additional appointment is made and a new sampling is made from the existing test tube for analysis. By the way, few people know about this, but it can be used!
It cannot be said that everything is going smoothly, there are problems in laboratory diagnostics. So, for example, 2-5% of all analyzes can be performed with errors. and this is not an invitro problem, this is a global practice. Well, unfortunately….
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and now the traditional digression and the whole truth about doctors. The problem, comrades, is not in the laboratory, but in the qualifications of our doctors or, even worse, in the love of our people for self-diagnosis, self-prescription and self-treatment.
Most errors do not occur during the production of the analysis, but at the preanalytical stage, that is, at the stage of taking the analysis. There are certain rules of preanalytics that are violated by our doctors and franchisees right and left, this happens due to low qualifications medical personnel, but they do not want to admit it, it is easier to blame the laboratory.
So, for example, I came across scandalous surgeons who send pus to the laboratory for microbiological culture and sensitivity to antibiotics. There are hundreds and hundreds of such examples. And among these doctors are honored figures, doctors of sciences, professors. But none of them knows what horseradish can be grown from pus, because, by definition, these are dead microorganisms, blood plasma and the same dead leukocytes .... And you can grow something only from a living one .... But on the other hand, to argue and yell, and beat your chest, that everyone is bad, but they are doing everything right, they are much!
Even worse things are with gynecologists. These generally like to take tests without really understanding why and for what, and even less understanding the rules for taking tests in gynecology. So, for example, for most gynecological smears, you need to take a discharge from the vagina, urethra, or cervical canal. But it is the separable, not the separable. Can't you hear the difference?? Here, here, gynecologists also do not smell and take just what is excreted, and not what is separated. That is, what the vagina secretes by itself, that is, discharge, while according to the rules, these discharges must be completely removed and scraped from the mucosa, that is, the epithelium should be separated. Most smears are performed by the polymerase chain reaction, PCR for short, in which blood and mucus can act as an inhibitor of the reaction and lead to a false negative response.
And so you can continue to tell, but there is a lot to tell. In each technique there are preanalytical rules and it is precisely those who carry out the sampling of the analysis that should know them.

So, the results! The minimum set of knowledge, so to speak!

1. If you make yourself a self-diagnosis, prescribe tests, then take the trouble to read multi-volume works on laboratory diagnostics or at least call the medical department of the laboratory and find out the rules for taking this or that analysis.

2. Reference values. Remember that they may differ for each laboratory, and if you take tests in dynamics, then they should be taken in one laboratory, and not in several, then you can clearly follow the dynamics and evaluate the quality of treatment. [My article about].

3. It is always better to donate blood from a vein, and not from a finger. Unfortunately, many doctors argue that it is better to donate blood from a finger, especially for young children. This is mistake! Modern test tubes are vacuum, which ensures their filling with blood along the pressure gradient and minimal trauma, as well as the safety of blood due to the lack of contact with the external environment and the presence of a preservative inside the test tube, while all these criteria are absent when taking blood from a finger. This procedure is much more traumatic and the degree of reliability of the analysis may be lower than when taking from a vein.

4. Spermogram. Here it is better to take it not at the collection point located far away, in the franchisee's office, but at the collection point located in the laboratory itself, this will ensure the minimum delivery time to the laboratory assistant and a more reliable result. By the way, here it should also be remembered that having received not very good spermogram results, a competent doctor is in no hurry to prescribe treatment, but investigates all the reasons, collecting information about the preanalytical stage and concludes that treatment is necessary only based on the results of 2-3 spermograms taken for a certain time interval.

5. Blood culture for sterility. In general, I do not recommend taking this analysis, which doctors love to prescribe so much. This is complete nonsense. Blood is inherently sterile BY DEFINITION! It does not contain bacteria from which colonies can be grown and a microbiological test for sensitivity to antibiotics can be done. If the doctor prescribes this analysis, then he is a complete idiot! IMPORTANT TO REMEMBER! a disease in which the blood ceases to be sterile is called SEPSIS, the mother is killed ... Smoke Google and look at the pictures of what a person with sepsis looks like. He does not go to the doctors, he lies and goes to another world ... Here you can take blood from him for sterility, from the rest - it's pointless!

6. Complete blood count. You can take not only in the morning and not only on an empty stomach. If you ate and passed a general blood test immediately after eating, then you don’t have to worry, its reliability will not decrease, but this does not apply to biochemical analyzes!

7. Hormones! It is very important to know preanalytics! Many hormones have rhythmic production peaks and some hormones should be taken strictly at a certain time, as well as at rest. So, for example, prolactin, beloved by gynecologists, tends to increase significantly for almost any reason (I exaggerate, of course). And if you have elevated prolactin, this is already a reason for the doctor to prescribe you an x-ray of the Turkish saddle or an MRI of the pituitary gland, while it is only worth redoing the analysis or taking the trouble to find out under what conditions the analysis was collected. The prolactin value above 800-1000 units may indicate the likelihood of an adenoma (prolactinoma) of the anterior pituitary gland. Do not rush to immediately do an MRI of the brain and faint with your doctor, it is often enough just to retake the analysis to make sure everything is OK.

In general, by tradition, I wish you all good health, Nikita Yuryevich Istomin, doctor of clinical laboratory diagnostics, obstetrician-gynecologist, doctor ultrasound diagnostics, osteopathic doctor. Hi promamskoe group, I hope I answered your questions. If you have any more questions, I'll try to answer!
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