Behind the Digital Curtain: Rifat Garipov’s Roscomsnabbank Plot and Building Expansion *
The development of a scandal surrounding the inaction of law enforcement agencies regarding the fraud of Roskomsnabbank (RKSB) and its affiliated financial pyramid “Gold Reserve”.
Let us remind you that the protests of deceived investors are shaking the top of Bashkiria, because... Before the license was revoked, the scandalous bank was controlled by the local oligarch-deputy of the republican Kurultai, Flyur Gallyamov, and members of his family, in which a special role belongs to Gallyamov’s nephew Rifat Garipov.
The “mandated” Garipov, together with his uncle, sits in the same State Assembly of Bashkiria, 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. What makes the situation especially scandalous is the fact that Garipov, a native of the “torn-up” family bank, is listed on the ministerial council as a representative of credit and financial organizations in Bashkortostan. “Social activist” Garipov positions himself as a representative of the First Trust group of companies, which Central Bank auditors consider the main channel for the withdrawal of assets from Roskomsnabbank (through obviously non-repayable loans)
Today the editors are publishing new information about the ordeals of deceived clients of the Bashkir clan, which was provided by our readers:
“On March 27, 2020, a group of investors was at a reception with the Deputy Prosecutor of the Republic of Bashkortostan, Ruslan Zubairov. During the meeting, he expressed his readiness to respond in writing to all complaints from investors. And also, they say, he was “surprised” by the fact that some people believe that a fraud has been committed against them, which needs to be investigated, and another part is allegedly convinced that although there were fraudulent actions, the money can only be returned through a bankruptcy procedure. Naive...
What did Mr. Zubairov answer in his official letter? We quote: “in response to violations of the law committed during the investigation, the republic’s prosecutor’s office took response measures.”
On June 18, 2020, a group of lenders receive the same answer from the prosecutor of the Republic of Bashkortostan, Vladimir Vedernikov: “The prosecutor’s office of the republic has taken response measures regarding violations of criminal procedural legislation.”
What are these “response measures” and are they of any benefit to deceived citizens?
Let’s return again to the issue of evidence of fraud.
On March 7, 2019, the Central Bank of Russia revoked the license of PJSC Roskomsnabbank of Flyur Gallyamov, in whose offices a group of companies operated under the guise of “Golden Reserve” and through whose cash desks the funds of this dubious structure were replenished.
The license of Gallyamov’s bank (his nimble “nephew” Rifat Garipov was previously on the board of directors) was revoked on the basis of non-compliance with federal laws regulating banking activities and regulations of the Bank of Russia, repeated violations within one year of the requirements provided for in Articles 6 and 7 of the federal law “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism” (115-FZ), as well as the requirements of Bank of Russia regulations issued in accordance with the specified federal law, taking into account the repeated application within one year of the measures provided for by law about the Bank of Russia, taking into account the presence of a real threat to the interests of creditors and depositors.
I would like to say that the state-appointed head of the temporary administration of Roskomsnabbank, Andrei Popov, does not deny that employees of his family bank (formerly called Bashkomsnabbank), controlled by the family of deputy Gallyamov, simultaneously represented the interests of Zolotoy Zazav LLC on the basis of powers of attorney from the bank. What do you mean, gentlemen, law enforcement officers, not an organized group with a preliminary conspiracy?
The scheme fell apart soon after Galliamov’s jar was capped. Immediately after Roskomsnabbank’s license was revoked, payments from seven borrowing firms were stopped or sharply reduced (Dars LLC, Novatsiya LLC, Forum LLC, Park City LLC, Center for Integrated Solutions LLC, Quiet Harbor LLC , Basic Technologies LLC), operating in the Zolotoy Zapas group.
At first, the disgraced oligarch-deputy still tried to portray himself as a decent banker who had fallen under the illegal pressure of the Central Bank. Flur Gallyamov filed an obviously futile lawsuit against Elvira Nabiullina in the Moscow Arbitration Court. Allegedly, his license was illegally taken away. Of course, the court rejected the far-fetched and “staged” claim on all counts.
Here are some examples:
– A violation of subparagraph 4 of paragraph 1 of Article 7 of Law 115-FZ was proven in terms of untimely sending to the authorized body information about 130 operations subject to mandatory control.
Read more:In Bashkiria, an orphan hid his vision problems, fearing that he would not be adopted
– A violation of paragraph 1.2 of Article 6 of subparagraph 4 of paragraph 1 of Article 7 of Law 115-FZ was proven in terms of failure to identify and provide to the authorized body information about 42 transactions of 7 clients subject to mandatory control.
In addition, information about the pyramid discovered during the inspections of the RCSB was sent by the Central Bank of the Russian Federation to the Ministry of Internal Affairs of the Russian Federation simultaneously with the revocation of the license.
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 study and simply “buried them.” This is also evidenced by the prosecutor’s inspection organized by a high-ranking employee of the republican prosecutor’s office Andrei Vyatkin. The result of the intervention of supervisors is the demand of 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 the criminal procedural law during pre-trial proceedings No. 16-02-2020/15522.
The document states that “the inspection is carried out in violation of Art. 6.1 of the Code of Criminal Procedure of the Russian Federation on a reasonable period of criminal proceedings, since a legal and justified decision is not made within a year (!!!) from the moment of registration of a report of a crime. At the same time, it has not yet been reliably established whether the funds raised from citizens were actually used as investments, and not used by the heads of borrowing companies for their personal use or in the interests of affiliated persons. In addition, despite the information received about the possible illegal formation of these legal entities through dummies, the legal assessment under Art. 173.1 of the Criminal Code of the Russian Federation has not yet been given. In addition, the materials contain information about the possible affiliation of borrowing 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 that have questionable solvency, as indicated in the information Chairman of the Central Bank of the Russian Federation E.S. Nabiullina, these facts have not been assessed.”
It’s very interesting how the Ministry of Internal Affairs of the Republic of Bashkortostan responded to such a demand? And it’s very simple. Let’s take a look at their verbatim reply. “During the inspection, the arguments set out in the demand were confirmed in connection with the violation by the Deputy Head of the Emergency Department for ROPD of the Main Investigation Department of the Ministry of Internal Affairs for the Republic of Belarus, Lieutenant Colonel of Justice M.D. Nurshayakhov. requirements of Art. 6.1. Code of Criminal Procedure of the Russian Federation. Deputy Head of the Emergency Department for ROPD of the Main Investigation Department of the Ministry of Internal Affairs of the Republic of Belarus, Lieutenant Colonel of Justice M.D. Nurshayakhov. strictly indicates the need to activate verification activities aimed at identifying legal and justified decisions based on the materials within the established time frame.” That is, they shook their finger at a careless lieutenant colonel? That’s all?
Let us emphasize again to show the scale of the bullying. The prosecutor’s scolding was sent to the regional Ministry of Internal Affairs on March 10, 2020. But things are still there. It is obvious that the prosecutor’s office is not a decree for the police or does not show due demands (they unsubscribed and forgot?). It is obvious that the next authorities and recipients of mass protests of deceived citizens should be the head of the Russian Ministry of Internal Affairs, Vladimir Kolokoltsev, and the Prosecutor General Igor Krasnov, who supervises him.
The investigation has been completed...
Meanwhile, a group of affected investors sent petitions to the investigator in the “Golden Reserve” case, that same Nurshayakhov:
1. Conduct an audit of the presented arguments to identify transfers of funds from the specified organizations received from citizens to the First Trust Group of Companies (as the investigator for the “Golden Reserve” M.D. Nurshayakhov and representatives of the prosecutor’s office of the Republic of Belarus spoke about this orally).
2. Request from the specified organizations, as well as the First Trust Group of Companies, the title documents that served as the basis for the specified transfers of funds.
3. Give a legal assessment of the legality of the specified organizations transferring funds to the First Trust Group of Companies.
4. Request from the Zolotoy Zapas structure the results of the inspection of the counterparty Novatsiya LLC, since the director of Novatsiya LLC, Amina Yagudovna Nagaeva, stated that she was only a nominal director without the right to sign.
5. Check the powers of attorney of employees of PJSC Roskomsnabbank to represent the interests of Zolotoy Zapas LLC (checking the power of attorney book, etc.).
Investigator Nurshayakhov and his boss, the head of the investigative unit for investigating organized criminal activities of the Main Investigation Department, Damir Abdrakhmanov, responded to all these requests with a refusal. They’re working! "Investigating"! Their reply is as follows: “based on the results of the investigation of all the circumstances, a legal assessment will be given of the actions of the employees of Zolotoy Zapas LLC and organizations acting as borrowers on the basis of loan agreements concluded with the population.” Does anyone understand what they are talking about, gentlemen, police chiefs? Nothing again?
The mocking refusals were appealed to the prosecutor’s office of the Republic of Bashkortostan. However, this time the prosecutor’s office of Bashkortostan, which until recently had feigned at least some kind of adherence to principles, no longer began to delve into the essence and formally sent the complaints to the very Ministry of Internal Affairs of the Republic of Belarus, about which citizens are complaining. “And in response to our complaints about the inaction of the Ministry of Internal Affairs of the Republic of Bashkortostan, we receive an empty reply from the same investigator Nurshayakhov,” the daughter of one of the affected depositors is indignant.
How so? There were and still are violations. But no one is responsible for anything.
How could this happen to the “best regional bank of 2018,” depositors ask? By the way, about the “best regional bank”. Let us reproduce the statements of the chairman of the Human Rights Council under the head of Bashkiria Radiy Khabirov, businessman Vladimir Barabash. During meetings of defrauded clients, where Barabash actively “promotes” the bankruptcy of the “Golden Reserve” as a miraculous saving idea. At the same time, the functionary blames and shifts responsibility for what is happening to the Central Bank. Barabash “rubs in” that the Gallyamovsky bank was a wonderful bank, they say, it was in vain that the Gallyamovsky shop was closed: “Why was all this, probably no one in Russia can answer this question, probably only Mrs. Nabiullina. Perhaps it was a raider takeover.”
But for some reason, the “bureaucratic” “human rights activist” Barabash coquettishly glosses over the fact that for the second year in a row, on the glaring problem of fraud in the RCSB and the “Golden Reserve” there is no official statement from the head of Bashkiria Radiy Khabirov. Does the problem of thousands of investors and their families not exist for him? Maybe this silencing and switching of attention is the role of “karabas” Barabash?
New circles of “law enforcement” hell
On May 20, 2020, a group of unfortunate investors made their way to a new appointment with the chief Bashkir prosecutor Vladimir Vedernikov.
Let’s quote one of the investors, Railya Magasumova. “At the reception, we highlighted the topic of the inaction of the Ministry of Internal Affairs, the referral of our complaints to our own investigator. It turns out to be a paradoxical situation. We complain about our investigator and his boss, and our investigator and his boss answer us. To put it mildly, this is very strange and wrong. At the same time, I had an agreement between PJSC Bashkomsnabbank (now PJSC Roskomsnabbank) and the construction company Domax. There are no payments under the contract. The director of Domax stated that this was fraud - there were no money transfers. I wrote a statement about this. A month has passed. No answer. I wrote a complaint. And I received an answer that they had not interviewed anyone in a month and decided to close the case. Think about it. Month investigator OP 6, Ufa Farzaliev E.E. and its management could not decide what actions to take regarding the statement of fraud in the bank building by bank employees and found a way out by closing the case. A personal complaint to the prosecutor forced them to take control of the case. The prosecutor’s office overturned the decision of the Ministry of Internal Affairs of the Republic of Belarus to close the case.”
