Unsafe seyfing

On Wednesday, May 4, the media reported that the bank cells from one of the branches of Investbank lost money four of the credit institution customers - almost 14 million rubles. Site Moskovsky Komsomolets said names of the victims who have applied the theft to the police. Source RIA Novosti said that the money was stolen from a bank branch, located at:, Nakhimovsky prospect, 33 / 2. According to preliminary data, the theft was committed in the past holiday weekend. The question of criminal proceedings. Press Officer Investbank in an interview with the portal Bank.ru did not refute the allegations of theft, but did not provide comments. Very few people will undertake to talk about this case until such time until a more detailed information. However, there is reason to talk about how bank customers can protect their rights in such situations. Transfer to the bank vault their values ??(seyfing) in two ways: rent-deposit box or to conclude an agreement on custody. The first method is governed by Art. 922 Civil Code. The client is given an individual bank safe - without the bank's liability for the contents of the safe. Lack of accountability of the bank due to the specificity of the contract - this is vacation. Analogy: if you take an apartment, then its owner will not respond in the event that you have lost money. Nevertheless, the bank is responsible for the safety locks the cell. If the locks are damaged, then the client is entitled to claim damages. Here another problem arises. If there is no inventory of the contents of the cell, then prove that there was a specific amount is almost impossible. The second way is the most reliable. Under the contract safekeeping bank will be responsible for the safety of cell contents in full. True, the cost of banking services will be higher. Moreover, the inventory of the contents of the cell will be established for each "approach" of the client to the safe. But the family may want to broach the client once a year, so that inconvenience is not too burdensome. Thus, the client is in need of this service seyfinga, we have to choose between the guarantee of security and confidentiality. If privacy is still important, perhaps, the only guarantee of security of the individual cell will be selected bank's reputation. Deputy Director of the Moscow law firm, Law and Business "Anton Isupov in a conversation with Bank.ru expressed the view that the situation with seyfingom quite controversial: - On the one hand, bankers say that they keep the secret cell. On the other hand, before returning the alleged money, they're watching a recording cameras to make sure that customers are not trying to deceive them. Even if they return the money to customers, the reputation of the bank, in my opinion, would be irretrievably lost. At the site of the Central Bank, I would have immediately suspended the license of such establishments. In this case, the law obliges it to keep the contents of which bankers should not be known. My advice to clients: storing values ??in the deposit box - a risky and vaguely protected by law.