Receiving copies of payment documents by a relative-guarantor. Receiving copies of payment documents by a relative-guarantor How to fill out a payment order

Every month we make at least one or two payments: for an apartment, for electricity, for major home repairs, for a telephone, for the Internet, kindergarten, school... And there are also receipts for payment of state fees, fines, loans, etc. Let's be honest: storing them in one place for 2-3 years, as the rules dictate, is absolutely unrealistic. But losing a payment receipt is as easy as shelling pears.

In some cases - if the payment was correctly processed and credited to the recipient's account - a receipt is not required. But in everyone’s life there have been unpleasant moments when money has been paid, but the receipt has been lost. So, how to restore a receipt for payment of services?

Method No. 1. In the archive of card transactions

This method is the simplest, fastest and most accessible, but is only suitable for those transactions that you made cashless through self-service devices - payment terminals and ATMs. The steps are as follows: in the device, go to your personal account and check the transaction history. We find the required payment and print the receipt. The only drawback of this method is that receipts at any terminals and ATMs fade too quickly. This is the price to pay for printing speed in any weather.

Method No. 2. In the archive of online banking transactions

The most favorite way to restore in recent years. Suitable only for those transactions that you made in Internet banking. Any online banking has a transaction history. The procedure is the same as when restoring a receipt in the terminal: find the payment and either save the receipt or print it if you have a printer at hand. The absolute strength of the Internet Archive is its limitlessness. It can save operations made both yesterday and five years ago.

Method No. 3. Reserve check at the bank

This is the surest way, but far from the easiest. Let's start with the fact that you still need to come to the bank. All transactions - non-cash, cash, in terminals or through a cash desk - are processed by bank processing. Any operator has access to an archive of transactions - the so-called daily or daily registers (a set of transactions for the day). You are required to indicate as accurately as possible the date, time, amount, recipient of the payment, as well as your data: full name, series and passport number. If the operation was carried out through an ATM or terminal, you will need to provide the device number (this information is located on the front side of the machine). The success of the search depends on the completeness of the data: it is possible that at the very minute you paid, another hundred or two clients made exactly the same payment. The operator enters your data (the so-called “variables”), filters transactions and prints out the lost receipt. If necessary, the check is stamped, although this is not required.

Method number 4. Archival data analysis

The hardest and longest way. Let's say there was a payment, but the operator cannot find it, just as the recipient of the payment cannot find it. Such cases are not uncommon - approximately 0.1-0.2% of the total number of operations. You fill out an application to search for payment (you can use the online reception, but it’s better at a bank branch), the bank conducts an investigation. The payment will be found in the vast majority of cases, but the only inconvenience is the extreme length of the search. In particularly severe cases, processing the request may take a month or more.

Method No. 5. Looking for the payee

Statistically, this is the most unpopular method. If you can, as they say, “run into” a bank by accusing it of an error, then, for example, it is useless to “run into” a specialist from the tax office or traffic police. Meanwhile, contacting the payee directly is even more profitable. Firstly, if part of the payments is lost due to errors of the operator and the payer himself, then the other part is due to the fault of the recipient. Secondly, you can save time and restore the receipt. And immediately submit it for processing.

Disadvantages of methods

There are two major disadvantages to recovering a check yourself. Firstly, both in online banking and in the terminal, clients are faced with limited data: there is a payment date, amount and recipient, but the payer is not necessarily indicated, much less his personal data. Meanwhile, this is precisely what can become a refusal to provide a service: they say, prove that you paid, and not your friend, a year ago. Secondly, purely psychologically, a receipt printed on a printer on plain paper is inferior to a receipt made on a receipt tape. Although in both cases the value of the documents is the same. The disadvantage of restoring a check with the help of a bank employee is also obvious: they may refuse you, citing any pretext, or they may not find the payment. But still, with checks restored as a result of personal visits, problems, as a rule, are much less.

How to minimize the risk of losing a payment receipt

• Try to pay for services non-cash: through self-service devices or online banking. In this case, it is easiest to find the payment and print the receipt.
• Please check your payment details carefully. Yes, bank tellers may know the details of the payment recipient, especially if this payment is common, but they cannot guarantee the correctness of the details (paradox!). Any bank will tell you: knowing the details is the responsibility of the payer. The best option is to request the details directly from the payee’s office or print them from the website.
• Keep your receipts. It sounds unpleasant, but still try to keep receipts in one place for at least six months... At least the most “heavy” and important ones: about payments for housing and communal services, for loans, fines, etc.

Instructions

Receipt It is, of course, possible to reinstate payment of a fine, but the experience of most citizens who find themselves in such a situation suggests that sometimes it takes a lot of effort to achieve this. If you have already paid the fine, contact Sberbank. Despite the fact that bank employees have no legal grounds to refuse to provide a duplicate payment document, they most likely will not be able to get what they want the first time. In the best case, they promise to call you back and tell you the result of the search. Therefore, write a statement stating the essence of the request. Register it in and wait for a response.

To make it easier for Sberbank employees to find your receipt, try to remember the date the fine was paid at the bank. If the exact date cannot be determined, it is worth at least naming the time period in which the payment could have been made, or, at worst, the date the fine was imposed.

If you were unable to manually find a receipt at a Sberbank branch, but the date of payment was definitely established, you should go back to the bank and ask for a new receipt. In this case, attach a copy of the resolution or protocol, indicate the date and time of payment. Please note that all applications are drawn up in two copies: you send one to the bank, and the second remains with you.

There is no point in worrying about the consequences if the fine is paid but the payment fails. If the case goes to court, simply present a copy of the statement written to the bank.

If you have lost something that has not yet been paid for, contact the traffic police at the place where the offense was committed. In the application, indicate where, when and by whom the administrative protocol on the violation was drawn up. Based on this data, employees should issue you a new invoice. However, a fine can also be made by making electronic payments - payment documents are not needed there, but be sure to save the receipt if you used the terminal, or print out a notification if you did -.

First of all, you need to figure out why you need to restore check. If it is necessary for accounting purposes, then cash check needed to reflect cash transactions, i.e. cash transactions and transactions with accountable funds. In all other cases, restore the cash register check no need.

Instructions

Contact and ask about the possibility of restoration check A. Some types of cash registers can duplicate check and after a certain time has passed after the original is issued. Perhaps the seller can duplicate check. Second option - ask the seller for a copy check a, made on a copy machine.

When it comes to recovery check and upon receipt, then try to contact either the terminal’s technical support service or the bank that services the terminal’s operations. Terminals for accepting payments store information about transactions performed, but a duplicate check but not so simple. Contact technical support, justify the reason for the need for restoration check Oh, write a statement.

If you lose a receipt for payment of a fine, the possibility of passing a technical inspection, or damage to a payment document, you must contact the bank to restore it. A statement of the appropriate form is written there. If the fine has not been paid, go to the traffic police department, where you will submit an application to restore the receipt. Obtaining a copy of the payment document will take a long time, but it will prevent litigation.

You will need

• - Passport;
• - information about the payment;
• - application form;
• - information about the protocol (the person who compiled it, the essence of the offense, place, time of incident).

Instructions

As a rule, many motorists had to draw up a protocol for speeding and other administrative ones. The consequence is the imposition of a fine within a certain period of time. If you paid cash and receipt lost or damaged, contact the bank where the payment was made.

Make a statement. In it, write down your request for the receipt to be restored. Enter your personal information. Indicate the exact date of occurrence, if known. If you don't remember the date, write down the approximate time period when you paid the fine.

Register the application with the bank. Be sure to duplicate the document in two copies, hand one of them to the bank employee, and keep the second statement with you so that in the future you can prove your rights if the matter comes to trial.

If you lose or damage your vehicle inspection payment receipt, contact the tax authority at your location. Submit an application addressed to the head of the Federal Tax Service for the region where you live. Paid receipts are usually stored in a warehouse. The tax officer may look for the payment document himself or ask you to receipt .

If you lose an unpaid receipt, contact the traffic police. Tell the employee the date the protocol was drawn up, the personal information of the person who wrote the document, and the incident. Based on this information, you will be given a new receipt , according to which you can pay the fine. Instead of a payment document, you have the right to submit a check if you made a payment through the terminal, or a notification if you paid the fine through a transfer.

Sources:

• Unpaid fines: how to recover lost receipts

The only way to prove the fact of payment of the state duty, fine or interest on the loan is to provide a receipt (check, invoice) for payment. A receipt is automatically issued when making payments through electronic account replenishment systems - ATMs, terminals, etc. Lost receipt can be restored if you remember the date of the transaction, the details of the parties and the type of payment - automated bill payment points.

Formally, your mother is not a party to the apartment purchase and sale agreement and the mortgage agreement, and therefore, if her authority on your behalf is not confirmed by anything, the developer may refuse her, citing the lack of such authority, as well as a trade secret. The bank may refuse for the same reason, also citing bank secrecy. However, it seems that, as a party to the guarantee agreement, she has the right to contact the bank with a request to issue her documents confirming the termination of her obligations through performance by the debtor, i.e. documents on repayment of a mortgage loan (Articles 367, 408 of the Civil Code of the Russian Federation).

This conclusion follows from the systematic interpretation of paragraph 1 of Art. 361, paragraph 1, 2 art. 363, paragraph 2 of Art. 408 of the Civil Code of the Russian Federation, according to which the creditor, accepting the performance, is obliged, at the request of the debtor, to issue him a receipt for receipt of the performance in full or in the relevant part, and the guarantor is responsible for the performance of the obligation jointly or subsidiarily to the same extent as the debtor. Consequently, the guarantor has the right, like the debtor, to receive documents confirming the fulfillment of the loan obligation.

This is especially true in relation to a guarantee issued to secure the fulfillment of monetary obligations, since the debtor himself, as a rule, has supporting documents about the transfer of funds to repay the debt, while the guarantor may remain in the dark about when and to what extent the repayment.

However, if the question concerns confirmation of payment in favor of the developer under the apartment purchase and sale agreement, made through a letter of credit form of payment, then this payment is not related to the repayment of the loan, i.e. to the debtor's obligation to the bank. A letter of credit, being a form of payment between the seller and the buyer, is not directly related to the mortgage transaction between the same buyer (debtor) and the bank. These are different contractual relationships. A letter of credit refers to a banking transaction on a customer's account. In this regard, the guarantor may be rightfully refused to issue such documents, since information about banking transactions, as well as settlement documents for a bank client’s account, can only be provided to the client himself or his authorized person (representative), as well as to a limited circle of persons by law (for example, courts, bailiffs, tax and other authorized bodies) (clause 2 of article 857 of the Civil Code of the Russian Federation, part 4 of article 26 of the Federal Law of December 2, 1990 N 395-1 “On Banks and Banking Activities”).

At the same time, you, as a party to the purchase and sale agreement, have the right, in the usual written form, to request the seller to provide documents on the execution of payment on your part on the basis of the above paragraph 2 of Art. 408 of the Civil Code of the Russian Federation, and the bank - about transactions on your account on the basis of a bank account agreement and in accordance with Art. 845, 846, paragraph 2 of Art. 857 of the Civil Code of the Russian Federation and Part 4 of Art. 26 of the Federal Law “On Banks and Banking Activities”. Receiving information via the Internet is possible only if this is provided for in the bank account agreement.

However, the nuance is that if the developer or bank doubts the authenticity of your signature on the request and does not issue (send to your address) the requested information, the law does not provide for liability for this. At the same time, a complaint to the Bank of Russia is unlikely to be an effective measure. Since you are requesting confidential information that is not subject to disclosure to third parties, it is quite logical and legitimate on the part of the developer or bank to want to verify the authenticity of such a request or the validity of the representative’s authority.

Thus, you will be forced to either personally arrive on the territory of Russia to personally contact these organizations or issue a power of attorney for your representative at the Russian consulate abroad at your place of residence with the appropriate powers in the manner and according to the rules provided for in clause 7, part 2, art. . 5 and art. 26 of the Federal Law of July 5, 2010 No. 154-FZ “Consular Charter of the Russian Federation” (hereinafter referred to as the Consular Charter of the Russian Federation), Art. 38, 59 Fundamentals of the legislation of the Russian Federation on notaries, approved by the Supreme Council of the Russian Federation on February 11, 1993 No. 4462-1).

Another mechanism is the execution of a power of attorney according to the rules of the host country from a foreign notary (notary public) or other official authorized to do so by the rules of the host country, with an apostille in accordance with the international Convention Abolishing the Requirement for Legalization of Foreign Public Documents (concluded in The Hague on October 5 1961) (came into force for Russia on May 31, 1992) or subsequent legalization at the Russian consulate, if the host country is not a party to the above Convention or this does not contradict another international treaty with the participation of Russia and the host country (clause 8 of Part. 2, Article 5, Article 27 of the Consular Charter of the Russian Federation, Article 38 of the Fundamentals of Notaries).

A power of attorney executed in a foreign language or containing a certification inscription or other official marks in a foreign language must be translated into Russian, the accuracy of which must be notarized on the territory of Russia in accordance with clause 6 of Art. 35 and art. 81 of the Fundamentals of Legislation on Notaries or an official of a consular office in the host country in accordance with the powers provided for in paragraph 4 of Part 1 of Art. 26 of the Consular Charter of the Russian Federation, paragraph 7 of Art. 38 Fundamentals of legislation on notaries.

Instead of issuing a power of attorney to a representative to request the information you are interested in and receive documents, it is possible to verify the authenticity of your signature on a request sent from abroad to a development company or to a bank. The procedure for certifying the authenticity of a signature on a document in the host country is similar to the above rules for certifying a power of attorney. It should be noted that in this case of remote communication through international postal services, it is necessary to provide appropriate compensation to the sending organizations, since they are unlikely to consider it legitimate and justified to incur additional costs at their own expense for international postal items to your address.

Payment order: everything you need to know about it

To make any money transfer, you need to fill out a special form for non-cash payment. It is presented in the form of a document with correctly filled in details. This document is called a payment order or payment order.

What is a payment order?

A payment order (PO) is a document of the established form, by which the owner of a bank account instructs the bank to carry out the required monetary transaction from his account using the specified details. It is filled out independently by the sender or at his request by the client’s bank and can be issued in two forms:

1. On A4 paper (filled out on a computer in a special program, in a Word document or pdf format).
2. In electronic form (only in a special program, not printed on paper).

There are PPs:

• One-time (for making one transfer, after which they lose their validity)
• Regular (for making systematic payments, executed by the bank after a certain period of time).

What operations can be performed through a payment order?

• Transfer of money to counterparties for work/goods.
• Transfers to budgetary and non-budgetary funds of various levels.
• Payment of loans, replenishment of deposits, etc.
• Transfer of money for purposes approved by laws, contracts or agreements.
• Making regular payments (utilities, Internet, mobile communications, etc.).

What is the time frame for execution of a payment order?

The deadlines for execution are specified in the Civil Code of Russia. If the transfer is carried out within one region or region, then the maximum processing time can reach two days. If we are talking about an interregional payment, the period can extend to 3-5 days. In practice, the order is processed on the date of its submission or within the first 24 hours.

How many copies of payment orders need to be issued?

The number of PPs is determined by the number of settlement participants. One remains in the sender's bank, the second - with the client with an acceptance mark, the rest go to the recipient's bank and counterparties.

The bank is obliged to accept the PP regardless of whether there is money in the client's account. If there is not enough money, then the PP is executed later, as soon as funds become available. If an account overdraft agreement has been concluded, the order is processed immediately.

In cases where there are insufficient funds and the bank cannot process the payment, the PP is placed in a special storage facility for orders not paid on time.

The PP has a validity period of 10 days.

How is a payment order filled out?

In the PP you must fill in all required fields. Marks or corrections are not possible. Required fields are fields with sender and recipient details.

Main fields and features of their filling:

1. Number – numbered with numbers (maximum 6 characters from 1 to 999999).
2. Date – put in the form day.month.year (example 01/12/2015).
3. Type of payment – ​​set as a special code (example: urgent = code 1).
4. The amount in words is written with a capital letter without abbreviation, kopecks - in numbers (example: Fifteen thousand one hundred forty-two rubles 21 kopecks).
5. Amount – put in numbers, rubles from kopecks are separated by a “-” sign (example: 15142-21).
6. Payer - for a legal entity, the full name, location address is prescribed (example: LLC "Investor" // Russia, Zelenograd, Sovetskaya St., 15), and for a legal entity - full name, place of registration (example: Ivanov Alexander Vladimirovich // Russia, Krasnodar, Lenin st. 11).
7. Payer account number is the sender's account number, consisting of 20 characters (example: 40802810067100010760).
8. Payer's bank - the name and location are indicated (example: “VTB 24” CJSC, Moscow).
9. BIC – bank identification number (example: 044525716).
10. Account No. is the correspondent account number of the sending bank with the Central Bank of the Russian Federation, consists of 20 characters (example: 30101810100000000716).
11. Recipient's bank - the name and location of the bank receiving the money (example: Sberbank OJSC, Moscow).
12. BIC of the recipient's bank - is registered according to the BIC directory (example: 044525111).
13. Account number of the recipient's bank – consists of 20 digits (example: 30101810600000000886).
14. Recipient – ​​name of the addressee to receive the transfer, for legal entities – full name, for individuals – full name
15. Recipient's account number – consists of 20 characters.
16. Type of payment - is indicated by a code (example: PP = 01).
17. Payment deadline. - not filled in.
18. Name pl. - not filled in.
19. Outline of boards – numbers from 1 to 5 (in accordance with the Federal Law) or not filled in (example: 1 – payment for compensation for harm to life/health and alimony, 2 – wages, 3 – taxes, 4 – any monetary claims, 5 – other documents in dated order).
20. Code – usually indicated as 0.
21. Res.field – not filled in.
22. Purpose of payment - the purpose of the PP is specified with additional information (example: payment for goods according to invoice No. 123, VAT not regional)
23. TIN is required to be filled out, 10 digits for legal entities and 12 characters for individuals.
24. KPP – registration code, consists of 9 characters.
25. M.P. – the sender’s stamp is affixed.
26. Signatures – the sender’s signature, as in a signature card or passport.
27. Bank marks – seal and mark of a bank employee.

Signing electronic documents.

As stated above, payment orders may be provided electronically. In order for an electronic order to have the same legal force as a paper one, an electronic signature is applied to it. According to 63-FZ, it is equal to handwritten.

Electronic PPs are generated in online banks when it is necessary, for example, to make a payment, and for the convenience of users they do not need to be signed, printed or taken to the bank for execution.