Banking related issues
Bank loan agreement terms
- Compliance with the requirements of the legislation of the Republic of Kazakhstan in contracts regarding the content of mandatory conditions;
- Changing the terms of a bank loan agreement and / or the terms of a loan unilaterally;
- Violation of the conditions (obligations) of the bank loan agreements;
- Compulsion to conclude insurance contracts and restriction in the choice of insurance / appraisal organizations;
- Suspension of financing.
Bank loan interest rate on the and commissions
- Bank loan agreement compliance with the requirements for the procedure of establishing and changing interest rates, commissions, tariffs and other customer expenses related to bank loans;
- Violation of a ban on changing interest rates unilaterally by banks, organizations engaged in certain types of banking operations for loans issued to individuals;
- Correctness of the calculation of the debt repayment schedule checking;
- Correctness of the calculation of the size of the annual effective interest rate checking;
- Correctness of the calculation of penalties for late payment of monthly payments checking.
The subject of pledge extrajudicial sale
- Certain issues of compliance with the procedure for extrajudicial sale of collateral;
- the subject of pledge extrication.
Transfer of rights of claim on a loan to third parties
- Violation of the procedure for transferring debt to a third party and attracting third parties to collect debts;
- Failure to notify the borrower about transferring debt to a third party and attracting third parties to collect debt;
- Measures to collect debts on obligations to banks and organizations engaged in certain types of banking operations.
Bank accounts, payments and transfers, deposits, payment cards
- Return of deposits;
- Bank account service;
- Transfer operations;
- Payments acceptance.
Lack of information / false information from the bank
- False advertising of the provided services distributed by banks;
- Infringement of the rights and interests of consumers of financial services in terms of providing incomplete information / failure to provide the required information;
- Failure to provide response information to written requests from bank customers.
Issues related to the activities of insurance organizations
For compulsory insurance classes:
- Refusal of insurance organizations to conclude insurance contracts with an appropriate license.
- The procedure for making insurance payments, including:
- violation of the terms for making the insurance payment / sending a motivated refusal to make the insurance payment;
- unreasonable refusal to make insurance payments.
- Violation of the deadlines for organizing an assessment by an independent appraiser of damage amount caused to property.
- Deadlines for notification of missing documents.
For voluntary insurance classes:
- The procedure for making insurance payments, including:
- violation of the terms for making the insurance payment / sending a motivated refusal to make the insurance payment;
- unreasonable refusal to make insurance payments.
General issues
- Violation by insurance (reinsurance) organizations of the legislation of the Republic of Kazakhstan and the agreement of the procedure for disclosing information on the services provided.
- Failure to provide response information to written requests from clients of the insurance company.
Issues related to the activities of securities market entities
- Violation of the rights of shareholders stipulated by the legislation of the Republic of Kazakhstan and the charter of the joint-stock company, including:
- the procedure for disclosing information ща the a joint stock company activities;
- the procedure for holding and convening general meetings of shareholders;
- the procedure for making joint stock company decisions on the payment of dividends on shares;
- procedure for calculating the amount of dividends per one preferred share;
- procedure for paying dividends on shares.
- Submission of false information from the personal account in the register of securities holders.
- Carrying out illegal operations on personal accounts of shareholders.
- Checking the correctness of the professional fees accrual for the services provided by professional participants in the securities market, based on the concluded agreements conditions.
- Failure to provide response information to written requests from customers.
Issues related to the activities of accumulative pension funds
- Failure to implement, untimely implementation, as well as an unreasonable refusal of APFs to transfer pension accumulations of a depositor (recipient) to APFs or to an insurance company;
- Failure to implement, untimely implementation, as well as an unjustified refusal to pay pension savings to the recipient (heirs);
- Failure to provide the depositor (recipient) with annual information about the status of his pension savings, as well as at his request at any requested date;
- Violation of the procedure for concluding a contract;
- Failure to provide response information to written requests from depositors.
Issues related to the activities of microfinance organizations
- Checking the correctness of the calculation of AEIR, exceeding the maximum size of AEIR;
- Violation of the procedure and conditions for the microcredit provision;
- Violation of the procedure for concluding a microloan agreement;
- Violation of the procedure for transmitting information under a microcredit agreement to a credit bureau with state participation;
- Violation of the requirements of the legislation established for the content of the microcredit agreement;
- Disclosure of the secrets of microcredit loan;
- The application of penalties for microloan early repayment.