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Readers continue to inform the "Aktsent" editorial office about the development of the scandal surrounding the inaction of law enforcement agencies regarding the machinations of Roskomsnabbank (RKSB) and its affiliated financial pyramid "Golden Reserve." Recall, protests by deceived depositors are shaking the top of Bashkortostan, as the scandalous little bank, until its license was revoked, was controlled by local oligarch-deputy of the republican Kurultai Flur Gallyamov and members of his family, with a special role belonging to Gallyamov’s nephew, Rifat Garipov.
"Scammed" Garipov, together with his uncle, sits in the same regional assembly of Bashkortostan and is also a member of the public council under the Minister of Construction and Housing and Communal Services of the Russian Federation, Vladimir Yakushev. The situation is particularly scandalous given that the graduate of the "divided" family bank Garipov is listed in the ministerial council as a representative of credit and financial organizations of Bashkortostan. Garipov positions himself as part of the "First Trust" group of companies, which the Central Bank auditors consider the main channel for withdrawing assets from Roskomsnabbank (through knowingly non-repayable loans).
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Today, the "Aktsent" editorial office publishes new information on the sufferings of deceived clients of the Bashkir clan, provided by our readers:
"On March 27, 2020, a group of depositors was received by the deputy prosecutor of the Republic of Bashkortostan, Ruslan Zubairov. During the meeting, he expressed readiness to respond in writing to all complaints of depositors. He also allegedly was ‘surprised’ that some people believe they have been defrauded and that this should be investigated, while others supposedly believe that although fraudulent actions occurred, money can only be recovered through bankruptcy proceedings. Naive...
What did Mr. Zubairov officially respond in his letter? Quoting: ‘measures have been taken by the prosecutor’s office of the republic in response to violations of the law committed during the investigation.’
On June 18, 2020, a group of lenders received the same response from the Prosecutor of the Republic of Bashkortostan, Vladimir Vedernikov: ‘Measures have been taken by the prosecutor’s office of the republic in response to violations of criminal procedural legislation.’
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What are these ‘response measures’ and is there any benefit to the deceived citizens from them?
Let’s return to the question of evidence of fraud.
On March 7, 2019, the Central Bank of Russia revoked the license of PJSC Roskomsnabbank, controlled by Flur Gallyamov, in whose offices and under the signboard of "Golden Reserve" the group of companies worked, and through whose cash desks the funds of this dubious structure were replenished.
The license of Gallyamov’s bank (previously, his cunning "nephew" Rifat Garipov sat on the board of directors) was revoked based on the non-compliance with federal laws regulating banking activities and the regulatory acts of the Bank of Russia, the repeated violation within one year of the requirements stipulated by Articles 6, 7 of the Federal Law "On Countering the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism" (115-FZ), as well as the requirements of regulatory acts of the Bank of Russia issued in accordance with the said federal law, taking into account the repeated application within one year of measures provided for by the law on the Bank of Russia, considering the real threat to the interests of creditors and depositors.
It is worth mentioning that the state-appointed head of the temporary administration of Roskomsnabbank, Andrey Popov, does not deny that employees of his family bank, controlled by the Gallyamov family (formerly called Bashkomsnabbank), under the bank’s powers of attorney, simultaneously represented the interests of LLC "Golden Reserve." What more evidence do you need, gentlemen law enforcement officers, of an organized group with prior collusion?
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The scheme began to unravel shortly after the collapse of the Gallyamov’s little bank. Immediately after the revocation of Roskomsnabbank’s license, payments to seven borrower companies (LLC "Dars", LLC "Novation", LLC "Forum", LLC "Park City", LLC "Center for Integrated Solutions", LLC "Quiet Harbor", LLC "Basic Technologies") operating within the "Golden Reserve" group, ceased or sharply reduced.
The disgraced oligarch-deputy initially tried to portray himself as a respectable banker caught under the Central Bank’s illegal press. Flur Gallyamov filed a knowingly unpromising lawsuit against Elvira Nabiullina in the Moscow Arbitration Court. Supposedly, his license was illegally revoked. Of course, the court dismissed the fabricated and "staged" lawsuit on all counts.
Here are some examples:
Violation of subparagraph 4 of paragraph 1 of Article 7 of Law 115-FZ regarding the untimely submission to the authorized body of information on 130 operations subject to mandatory control.
Violation of paragraph 1.2 of Article 6 subparagraph 4 of paragraph 1 of Article 7 of Law 115-FZ regarding the failure to identify and provide to the authorized body information on 42 operations of 7 clients subject to mandatory control.
Furthermore, information about the pyramid scheme uncovered during Roskomsnabbank’s inspections was sent by the Central Bank of the Russian Federation to the Ministry of Internal Affairs of the Russian Federation simultaneously with the license revocation.
The severity and forgetfulness of the sovereign’s eye
However, the Ministry of Internal Affairs of the Republic of Bashkortostan did not consider these materials necessary for examination and simply "buried" them. This is also evidenced by a prosecutor’s check organized by a high-ranking employee of the republican prosecutor’s office, Andrey Vyatkiny. The result of the supervisory intervention was a demand from the deputy prosecutor of the republic, Zubairov, to the head of the Main Directorate of the Ministry of Internal Affairs for the Republic of Bashkortostan, Colonel of Justice Oleg Oleynik, to eliminate violations of criminal procedural law during pre-trial proceedings No. 16-02-2020/15522.
The document states that "the check is carried out with a violation of Article 6.1 of the Code of Criminal Procedure of the Russian Federation regarding the reasonable time frame for criminal proceedings, since a lawful and justified decision is not made within a year (!!!) from the date of registration of the crime report. Moreover, it has not yet been reliably established whether the funds attracted from citizens were actually directed as investments, rather than used by the heads of borrower firms for their personal use or in the interests of affiliated persons. In addition, despite the information received about the possible illegal formation of the mentioned legal entities through dummy persons, a legal assessment under Article 173.1 of the Criminal Code of the Russian Federation has not been given to date. Besides, the materials contain information about the possible affiliation of borrower firms with PJSC "Roskomsnabbank," which had its banking license revoked by the Central Bank of the Russian Federation, and which in turn entered into transactions with companies with questionable solvency, as indicated by the Chairwoman of the Central Bank of the Russian Federation Nabiullina E.S., an assessment of these facts has not been given."
It’s very interesting how the Ministry of Internal Affairs of the Republic of Bashkortostan reacted to such a demand. Well, it’s very simple. Let’s take a look at their literal response. "During the verification process, the arguments outlined in the demand found their confirmation in connection with the violation by the Deputy Chief of the Department of Criminal Investigation of the Main Directorate for Combating Organized Crime of the Ministry of Internal Affairs of the Republic of Bashkortostan, Colonel of Justice Nurshayakhov M.D., of the requirements of Article 6.1 of the Criminal Procedure Code of the Russian Federation. The Deputy Chief of the Department of Criminal Investigation of the Main Directorate for Combating Organized Crime of the Ministry of Internal Affairs of the Republic of Bashkortostan, Colonel of Justice Nurshayakhov M.D., was strictly instructed to activate verification measures aimed at clarifying the legitimate and well-founded decisions within the established deadlines."
In other words, they wagged their finger at the negligent colonel? And that’s it?
Let’s emphasize again to show the extent of the mockery. The prosecutor’s demand was sent to the regional Ministry of Internal Affairs on March 10, 2020. But nothing has changed since then. Obviously, the prosecutor’s office either does not serve as a directive to the police or does not show due diligence (they replied - and forgot?). Obviously, the next authorities and recipients of mass protest actions by deceived citizens should be the head of the Ministry of Internal Affairs of Russia, Vladimir Kolokoltsev, and his supervisor, Prosecutor General Igor Krasnov.
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The investigation "worked"...
Meanwhile, a group of affected depositors submitted petitions to the investigator in the case of the "Golden Reserve," the very Nurshayakhov:
Conduct an investigation into the stated arguments to identify transfers of funds from these organizations, received from citizens, to GK "First Trust" (as stated orally by the investigator himself on the "Golden Reserve" case Nurshayakhov M.D. and representatives of the prosecutor’s office of the Republic of Bashkortostan).
Request from the specified organizations, as well as GK "First Trust," the documents confirming the legal basis for the mentioned transfers of funds.
Provide a legal assessment of the legitimacy of the specified organizations’ transfers of funds to GK "First Trust."
Obtain from the "Golden Reserve" structure the results of the check of the counterparty LLC "Novation," as the director of LLC "Novation," Nagayeva Amina Yagudovna, stated that she was only a nominal director without signing authority.
Verify the powers of attorney of employees of PJSC "Roskomsnabbank" to represent the interests of LLC "Golden Reserve" (check the power of attorney register, etc.).
To all these requests, investigator Nurshayakhov and his boss - the head of the investigation department for investigating organized crime of the Main Investigation Department, Damir Abdrakhmanov - responded with a refusal. They are "working"! "Investigating"! Their reply is as follows: "Based on the results of the investigation of all circumstances, a legal assessment of the actions of the employees of LLC "Golden Reserve" and organizations acting as borrowers based on loan agreements concluded with the population will be provided." Does anyone understand what they, gentlemen police chiefs, are talking about? Again, about nothing?
The mocking refusals were appealed to the prosecutor’s office of the Republic of Bashkortostan. However, this time the prosecutor’s office of Bashkiria, which until recently pretended to be somewhat principled, did not delve into the essence and formally sent the complaints back to the same Ministry of Internal Affairs of the Republic of Bashkortostan, which the citizens are complaining about. "And in response to our complaints about the inaction of the Ministry of Internal Affairs of the Republic of Bashkortostan, we receive an empty response from the same investigator Nurshayakhov," complains the daughter of one of the affected depositors.
