Each bank, in order to open an entrepreneurial account, requires a new client to confirm business reputation and information about the company's activities. But this is only if the client has not previously been served by this institution (if it was served, it is not necessary to confirm the reputation). This rule does not apply to new companies that have just entered the market, but long-standing organizations. Newly launched firms are not required to submit a reputation letter to the bank (a sample of which we will show in this article), since the reputation has not yet been formed. In this case, you need to submit an information letter to the bank about the activities of the organization.

How is this procedure carried out? The client asks his partners, with whom he cooperates, and who are also served by this bank, to write an opinion on the reputation, or to put a signature in the document you have created. A letter to the bank on the activities of the organization (sample below) can also be submitted by the bank in which the company previously served.

It often happens that some counterparty refuses to leave his opinion about you, motivating the refusal with strong employment. In such a situation, it would be wise to draw up a document on your own and invite your partner to sign it. Below you will see a sample of an explanatory letter to the bank about the company's activities, which can also be used if a business partner contacts you for a similar service.

Not the last option is to confirm your reputation with your review. This is better than leaving the request of the employees of the financial institution (FI) unanswered. A negligent attitude to the requirements of the financial institution will entail a refusal to cooperate on the part of the bank.

Legal entity business reputation letter

The business partner's opinion about your business reputation is set out in writing and can be in any form. There are no requirements, as such, the main thing is to indicate the following details in the message:

• Counterparty name;
• Business partner stamp;
• The signature of the head of the counterparty;
• The date the document was compiled.

It is desirable that the letter be written on the partner's letterhead.

Remember that your bank will not be interested in the opinions of counterparties serving other financial institutions.

Particular attention should be paid to the date. It’s not a matter of formality at all, but the relevance of the information. In modern realities, when life flows very quickly, it is extremely important for FO to have only relevant data. The document should not be outdated, but the date must be indicated - without the date, the letter may not be taken into account at all.

Experts recommend using specific data as much as possible when creating a letter about the company's business reputation. Generalized information is also not accepted. Such hackneyed phrases as "reliable and responsible", "always pays on time" are perceived as an empty phrase, but if they are backed up by facts (give examples of contracts, the amounts for which they were concluded are indicated, the terms in which payments were made, etc.) - the document will become more real and, as a result, it will be accepted. You can also indicate what plans the partner has for further work with your company.

In a separate paragraph, it is necessary to highlight that the counterparty does not have any claims and complaints against your company, recommends cooperation as a partner you can trust.

A review on business reputation can also be left by a bank with which you previously worked. Such organizations use their own templates, which indicate the number of business partners, turnover amounts, etc.

Business reputation letter from your own company

It happens that business partners, for some reason, cannot leave their opinion about your company (they are clients of another financial company, do not meet the deadlines, do not want, etc.). In this case, you can write reviews directly from your company.

What information should be included in such a review? Everything that a financial institution can verify through open sources. This list includes reviews on the Internet, participation in government tenders, newspaper publications, TV reports, and more. Be sure to indicate that your company is not on any of the "black" lists (tax credit, etc.).

Such a document can be made the main one (if there are no others), or additional. He not only confirms that the company is respected by other firms, but it is also in good standing in the labor market, with the Federal Tax Service and other structures.

Letter of clarification of payment to the bank

No one is immune from mistakes when making payments, but not every mistake can be corrected with just a call, some require sending a letter. Imagine this situation: you or your business partner made a large payment but found that there was a mistake. It is worth notifying the institution as soon as possible, which will certainly contact the recipient and clarify the reason for making the adjustments. In other words, notifying the financial institution and the consent of the beneficiary is required to change the payment.

Let's describe the process of changing the payment using the example of paying the state duty. If you make a mistake, you send on behalf of the company a corresponding petition for making adjustments to the Federal Tax Service and the Federal District.

A letter to clarify a payment to the bank is created according to the following rules:

• It is advisable to use company letterhead;
• It is necessary to correctly indicate the name of the company, the full name of the head (or the person in charge);
• Indicate the counterparty, which was indicated as the recipient when making the payment.
• Be sure to describe the reasons for making the changes, this time it is better not to be mistaken with numbers or other details;
• Be sure to write the exact date of the payment (up to the time). Better to attach copies of receipts;
• At the end, indicate the date of writing, put the company stamp, the director's signature is also required.

Below is a sample document in MS Word format, and you can use it if necessary.

A letter that will exclude the bank's claims against the company

Banks will check companies that cannot be contacted according to the list on the FTS website. For example, due to the absence of the actual address. We have compiled a sample letter to the bank, which will exclude the claims of the credit institution.

The list includes many organizations whose legal address does not coincide with the actual one. There are more than 100 thousand companies in the list. If the bank finds an organization in this list, it has the right to refuse to open an account, remote service, issue a loan, etc. But the bank will not block the account if the company explains the reasons why it was included in the list. You can write explanations in free form (see sample).

How to compose a letter to the bank

The text of the explanations depends on the reasons why the company was blacklisted. If this is an error, it must be reported in the letter. Moreover, it is worth attaching a copy of the statement to the inspection about changing the data on the site to the explanations. If the company simply did not have time to change the data in the Unified State Register of Legal Entities, this must also be reported to the bank.

There may be another reason. For example, a company rents a premise and the owner is opposed to registering the rented address as a legal address. In the letter, it should also be emphasized that the company is bona fide, submits reports, pays taxes, etc. It is also worth asking the bank to report the results of considering the letter by telephone or in writing.

Sample letter to the bank (download)

Below we have provided a sample letter to the bank. This document is useful for any company. Pay attention to dangerous props and a common mistake that companies make.

If a banking organization requires its provision, then our sample letter of recommendation to the bank from the counterparty will come in handy. A form is also attached. This form is not the only correct one, but it reflects all the necessary points.

Files

Recently, banks began to turn to legal entities with a request to provide a letter of recommendation from one of the counterparties. Bankers can be understood, because often clients use the loans provided, purchase leasing services for large objects, etc. A letter of recommendation in these cases minimizes the risk of a bad debt obligation.

As for the legal justification of such a procedure, it is provided for in the Directives of the Bank of Russia No. 3179-U dated January 21, 2014.

Thus, a banking organization has the right to request letters of recommendation from counterparties in any volume.

Who to choose as a counterparty

In order to provide what the bank wants, it is not necessary to conduct a survey among all counterparties with whom the organization has ever dealt. You can choose several, guided by the following principles:

• The referring counterparty is served at the same bank to which the application is submitted (and which sent the letter of recommendation request). So the bank's employees have the opportunity to make sure of the responsible attitude of the person recommending in financial matters, to follow the movement of his funds in their jurisdiction.
• The person who recommends him has a long and long relationship with the organization. With him there are no problems, delays, litigation and other "adventures". Still, the terms of cooperation play an important role in proving a responsible approach to business.
• The counterparty is known, is in good standing with the banks, has no problems with the conclusion of transactions. Basically, any large organization that has built a good reputation will do.

If there are no contractors with such characteristics, then you will have to choose from what is.

It should be noted that in the event of insufficient support from the counterparties or in the absence of a response to the request for a letter of recommendation from the counterparty, the bank has the right to refuse service to its client, to suspend operations. So it is necessary to treat responsibly the request for the provision of any documentation.

Components of the document

The letter of recommendation is written in free form. When writing it, one should be guided by the general rules established for business correspondence. At the top, the details of the counterparty are prescribed (it is best to issue it on a specialized letterhead of this organization), as well as the date. Without specifying the latter, the bank may not accept the document, since it needs fresh recommendation letters (this is implied when requesting, although it may not be indicated in its text itself).

The main thing that interests the employees of a banking organization is how much it is worth trusting this or that current or potential client. So in the recommendation it is desirable to touch upon the following points:

• Details and names of both organizations.
• Are the companies contractors to each other?
• Agreement concluded between organizations. Its number and date of signing are indicated.
• How long have companies been cooperating?
• Were there any irresponsible steps and complaints on the part of the recommended one (since this is a letter of recommendation, it is assumed by default that there were none).
• Whether the counterparty has fulfilled its debt obligations, if any, between counterparties.

The paper ends with the signature of the head of the recommending counterparty and the date. If possible, a "live" seal is put. This touch gives weight to the recommendation. Although since 2014, the attitude towards printing has changed significantly.

Possible compilation errors

When an organization collects the requested package of recommendations, there is no need to collect signatures from different contractors, using the same text for this with identical and vague wordings such as “long-term cooperation”.

For example, a different number of contracts concluded with a counterparty, a different duration of cooperation should be indicated. It would be useful to indicate additional points that characterize the interacting as responsible business partners who fulfill their obligations.

New organizations

If the business reputation of the company is in the process of formation, it makes no sense to ask it for letters of recommendation to the bank from the counterparty. This point must be immediately clarified in the event of a business correspondence with a bank employee. But even in a situation where provision is not possible, it is worth answering the request correctly, using specific wording.

Perhaps the bank will satisfy the reputation of an individual - the head of the applying organization. It is worth discussing these points in an effort to arrive at a constructive solution that satisfies both parties.

Perhaps, at the beginning of the emergence of an individual entrepreneur or a legal entity, it makes sense to contact smaller banking organizations that do not request letters of recommendation.

Applications

Copies of the contracts specified in the letter can be attached as grounds for assurances. The larger the amount and the longer the relationship, the better. You should also not hide anything from bank employees. Perhaps a rewording would suffice.

For example, if there were some minor complaints during the interaction of counterparties, then in the letter it is worth writing that no major complaints were revealed under any of the contracts. On the one hand, this is a positive characteristic, on the other, the fact of minor complaints is not hidden.

In general, a sample letter of recommendation to the bank from a counterparty, attached at the top of the text, is the best option. It can be edited to adapt to the specific situation and the nature of the interaction of counterparties. All highlights will be duly described.

There is a feeling that there is no way out of the current situation, banks in such a situation do not make concessions. Try writing a letter to the bank.

When there's nothing left to lose

There is no way to avoid penalties and interest. They are spelled out in the loan agreement, and they are added to the total debt by the system automatically. An increase in the loan rate also cannot be avoided, this condition is also spelled out in the loan agreement in case of violation of the credit conditions.

The debt on the loan is growing every month like a snowball, it is necessary to conduct a dialogue with the bank in order to soften the requirements in order to achieve the opportunity not to repay the loan in full ahead of schedule. Or so that information about an overdue loan is not included in the Credit History Database. How do you ask? Write a letter to the bank - a letter of goodwill. The effect is not achieved in 100% of cases, but decisions in favor of the borrower also happen. So try it!

What is the essence of a letter to the bank?

There are certain rules on how to write a letter to the bank. It should be written in a friendly tone, ask the lender not to demand from you an early full repayment under the loan agreement, or ask not to enter information about late payments on an existing loan in your credit history.

The meaning of an official letter to the bank is to try to convince the bank that you are not a malicious defaulter, do not make payments due to your negligence or bad intentions, delays have arisen from you solely because of a difficult life situation in which you find yourself.

This letter is designed for the human factor that should be present in the work of a financial institution, the message can touch the emotional vein of the bank employees. You need to get your loan officer to empathize with you. He should understand from the letter that you have fully assumed responsibility for late payments and accumulated debt to the bank.

Convince the bank that you will continue to cooperate with the lender, taking into account all the mistakes, make overdue payments, including penalties. It is imperative to indicate the reason why such a situation has arisen - you have lost your job (attach an extract from your work book), a protracted illness (a copy of the sick leave is attached). And how are you going to get out of this situation. The letter can be sent by e-mail or taken directly to the bank. If the need arises, duplicate the letter, call your loan officer, come to the meeting, be persistent.

What should be a letter to the bank

First of all, indicate your name, address, loan agreement number, date of conclusion. Next, write to whom the letter is intended (full name of the bank, department, full name of the loan officer). Then comes the text itself in free form.

Sample letter

This may be a sample letter to the bank:

"Thank you so much for taking the time to read this letter. I have to write it because I made a number of mistakes in the form of late payments under the loan agreement, the number of which (number of the agreement). I bring to your attention that I am giving report on their actions, I understand what consequences the debt to the bank can lead to.

There is a good reason why I found myself in such a situation (indicate the reason), otherwise I would not have allowed delays on the loan. I have accumulated loan delinquencies (indicate the number), today my financial situation has become better (the reason for improvement), I am ready to repay the loan debts and repay the loan further, in accordance with the payment schedule. "

If your letter of explanation to the bank is convincing and he believes you in your sincere intentions to pay off your current debt, you need to completely reconsider in this case your attitude to credit obligations.

Sample claims to the bank do not imply a strict form, but may be required in a number of situations. For example, a sample of a claim to the bank may be needed if you were provided with a low-quality financial product, refused to provide information, required additional investments, etc. We will tell you how to write such a claim correctly in this article.

How to write a claim to Sberbank or any other bank

There is no established form for such claims, but if you do not know how to write a claim to the bank, you can use the general claim form, of which there are a great many on the Internet.

However, no matter what sample of a claim to the bank you choose, you need to remember that it must still have a certain structure:

1. An indication of the person to whom the complaint is addressed (if you do not know the name of the manager, you can simply write: "To the manager" and indicate the name of the organization).
2. Indication of your personal data (last name, first name and patronymic).
3. Below, in the center, is the name of the document (“Claim”).
4. In its main part, it is necessary to set out the factual circumstances that, in your opinion, are a violation of your rights. It should be stated briefly, focusing only on those details that really matter when considering a claim. Do not forget about the preservation of the chronology and the principles of logical presentation of the text: indicate the specific numbers when the events took place, the names of the employees with whom you tried to resolve the problem, etc.
5. Next, you must indicate that in accordance with the law "On the protection of consumer rights" you ask to consider the appeal within 10 days from the date of receipt. Then you need to indicate the preferred method of sending you a response, the exact address of your place of residence, e-mail and, just in case, a contact phone number (it is necessary in case the bank employees need any explanations or additional information from you).
6. The claim ends with the date of drawing up and the personal signature of the sender.

It should be noted that if you have any written evidence of unlawful acts or other violations committed against you, then copies of such documents must be made and attached to the claim. In this case, an inventory of the attached documents should be added at the very end of the appeal. If you have video or audio evidence, then you do not need to attach it, but you must notify it in the text of the claim. They can be provided later, upon request.

How to write a claim to the bank, a sample of the claim to the bank

Head of OJSC "Bank"

Semenov Valery Mikhailovich

from Timofeev Sergey Vladimirovich

Don't know your rights?

CLAIM

On February 10, 2015, I made a mandatory monthly payment under the loan agreement No. 111 of November 11, 2011 in the amount of 5500 rubles. (five thousand five hundred rubles 00 kopecks) to the cashier of the branch of your bank located at the address: Moscow, Leningradskaya Street, Building 1.

On March 10, 2015, I came to the above branch to make another payment under the same loan agreement, and the bank employee said that I did not pay the loan last month, so at present I have to make not only a double payment (for February and March) , but also a penalty equal to 10,000 rubles. (ten thousand rubles 00 kopecks).

I presented a document confirming payment for February, but the employee explained to me that I still have to pay the amount he said. He will also transfer my documents to the head office, and if the payment was really there, then it will be sent to repay the principal amount of the debt.

I consider these actions to be a violation of the terms of the contract concluded between us, in connection with which I ask you to recalculate the amounts accrued to me for payment and remove the unreasonably charged penalty. I ask you to send your answer to the address: Moscow, Lugovaya street, building 3, apartment 5. I also ask you to inform about the decision made by calling 11-11-11.