Usury and loans — parasitism decomposing society

Unfortunately, in wide use in Russia and other CIS countries in the past 20 years have become part of the transaction, which are made with a view, quite the opposite foundations of morality and law and order of our people.

It is aboutusurious transactions. These transactions are studied by students of higher education and training institutions in Russia and other countries under the guise of "credit agreement", "loan agreement" (if there is a condition of payment of interest), etc. In order not to go back later to the concept of the basic contradiction of morality, law and order conditions, will let its definition.

Usury(Or earlier Russian term — "extortion", the Ukrainian — "lihvarstvo" Belarusian term "lihvyarstvo", "navezka", "fairing") is the occupation lender — the requirement and the charging of interest on loans. Thus, the usurious transaction — a loan (loan) money back to the condition not only of the same amount, and money (interest) for its receipt / use. From the economic standpoint, usury — is return on equity as a loan for a fee. Other definitions of the term are extremely unfortunate and justify usury.

In the twentieth century, there have been attempts to change the meaning of the word "usury" under the influence of powerful individuals, which they did, but the essence of these attempts have not changed. Thus, the "smart" Wikipedia says: "Rostovschi? Honors— The provision of money in interest-bearing debt (in growth). In modern language called usury giving money to borrowers at an "extremely high" percentage (compared with the usual past practice), or the security of things. " Note that Wikipedia and some other dictionaries do not define what usury — is the provision of money in interest-bearing debt, and only if — "under the" extremely high "percentage (compared with the usual past practice), or" on the security of things. " The expression "extremely high" Wikipedia explains in quotes, so even with the caveat — "in a modern language." And this is not accidental, since the term — an "extremely high" — highly evaluative and can not be accurately determined. According to the logic of the authors, is the percentage of "high", but not "extraordinary" and vice versa, and there are 'good' and a combination of both.

But most importantly — are "biased" in fact dictionariesjustifythis dangerous phenomenon "as the provision of money in interest-bearing debt (in growth) ", Without naming him usury. The essence of usury does not change the fact that the percentage of "is extremely high," as well as a woman can be very pregnant, and the water can be very wet, and the thief — very furtive. Clause — "under the" extremely high "interest" — is meant to mislead people and to justify the theory and practice of usury.

There have been some attempts to forget the meaning of the word "usury" and close to it. But the truth can not be hidden from the world, and falsehood can not win. It should be noted that all of our wise ancestors Slavic clearly define the concept of morality and law and order to the contrary effects.

We show in a very simple way to model the mechanism of normal everyday operation of usury, described the people's saying. Ivan went once to a neighbor-lender to lend $ 100 a year. He responded to his request with the condition of payment of 100% of income and usurious pledge of an ax. Ivan gave the ax, took the money, but on reflection decided to pay a lump sum of 200 rubles he bude difficult, and returning it back to halfway the first half immediately. Goes home and thinks: "No money, no ax and another $ 100 to …".

Suffice it to recall that more than 70% of the working population in Russia are debtors of banks and give all the money to pay interest on credit agreements. And last, "renting" money (that is, that can not be sold or "lease") and do not produce anything like parasites suck the last drop out of the body of his victim, wait — she emit spirit to a quick foreigners sell our natural resources and the rest of the victims property.

Recall that from the economic point of view, usury: 1) the cause of inflation (which in Russia is not terminated 20 years), poverty of the vast majority of the population of Russia and its extinction, and 2) the cause of the ruin of promising enterprises in Russia, and 3) a way of "raiding" in Russia, and 3) the reason for the predominance of trade over other areas of the economy in Russia, the elimination of national production, and 4) the cause of deepening economic inequality of people in Russia, and 5) the reason for the depreciation of human labor in Russia, 6) cause of global "economic slavery" of Russian citizens to banks . At the macroeconomic level usury — this is the reason of the current global crisis. Thus, A. Vajra said:"The fundamental basis of modern world power transnational oligarchy is to find it, in the course of a long and hard struggle, the right to make international money and give them interest-bearing debt. If for some reason it will lose this right, it will end unlimited power. "With this position, many would agree. The struggle for the right to make international money became apparent during the current global crisis and fully legalized in 2009, a year after the collapse of Lehman Brothers and the beginning of the "acute phase" of the global crisis in the world's media is dominated gracious predictions of an imminent end of the crisis. It is possible that in the global financial system really be for some time to reach equilibrium, and even show signs of growth. But civilization crisis, the crisis of the economic system based on the lending rate, has not been canceled. Negative aspects of the crisis receded only for a while.

Note that all of the analyzed causes of the global crisis, the phenomenon of borrowing are the least represented in the Internet and is almost completely absent in the public media. And there's a simple explanation. First, it is difficult to keep in mind the objective picture of the genesis of capitalism during the five centuries. Convenient and comfortable "hang on" for any simple explanation for the crisis and hope for the best. Second, and most important, most people instinctively fear the present scale of the crisis.

As noted in the literature, community service economy usury be prohibited by law, and loan interest should be strictly zero. Only if this remains the most important principle: income is secondary and is directly proportional to the volume created products and services rendered. In forming a self-regulating usury income without relation to gross domestic product is certainly obvious inevitable imbalance of supply and demand. This imbalance leads to the inevitable inflation, rising prices to economic crises, etc.

Usury is based onfalse(Invented relatively recently) the value of money — their "commercial entity". That is money — this, according to lenders, the same product, such as a cow. Cow can be put into use to another for a while for the money (cost). And money can be given for temporary use for the money. Such a lie, of course, contrary to the function of money that you will find in any textbook on economics and the economic health of any society.

Previously, many studies were examined and proved that usurious transactions are made with the aim of opposing the foundation of morality and the rule of law in Russia and in other countries (see eg.:Gaidukova EB, Kolmakov VY, Kuskashev DV, Popov AN Rudakov, AL On the transactions made with the aim of opposing the foundation of morality, law and order / / Actual problems of science, practice and belief at the present stage: Collection of four part-time international scientific-practical conference "Actual problems of science, practice and belief at this stage" held October 7, 2010 (Krasnoyarsk, Russia) / Ed. prof. Academician AN RAYUN Popov. Issue 1. — Krasnoyarsk, 2010, Popov AN On the nullity of usurious transactions — as transactions made with the aim of opposing the foundation of morality, law and order / / Actual problems of science, practice and belief at the present stage: Collection of correspondence SIXTH international scientific-practical conference "Actual problems of science, practice and belief at the present stage ", held January 30, 2011 (Krasnoyarsk, Russia) / Ed. prof., academician AN RAYUN Popov. Issue 1. — Cebu City, 2011;Gaidukova EB, Popov AN On the teaching of legal disciplines in the study of petty transactions — transactions done with purpose, knowingly contrary to the basics of law and morality / / Proceedings of the correspondence of the international scientific-practical conference "Education, psychology and health"Held on April 20, 2011 (Krasnoyarsk, Russia) / Ed. prof. Academician AN RAYUN Popov. Issue 1. — Krasnoyarsk, 2011and others). 

Similar position (consider that all transactions subject to the payment of interest on / receive money (profiteering)committed with the aim of opposing the foundation of morality, law and order in Russia)hold all of the outstanding doctors and candidates of the legal, economic, philosophical, philological, historical sciences, cultural studies, who were interviewed by us in writing their position. Not to be unfounded, report them to:

1)assistant professor of commercial, business and financial law Law Institute FGAOU "Siberian Federal University", PhD, Associate Professor A. Demin (Russia);

2)Head of Public Relations of the Siberian State Aerospace University. Acad. MF Reshetnev, PhD, Associate Professor A. Mikhailov (Russia);

3)Director of the Institute of History and Law Khakassia State University. NF Katanov, Doctor of Law, Associate Professor V. Naumkin (Russia);

4)Head of the Department of Criminal Law and Procedure Khakassia State University. NF Katanov, PhD, Associate Professor NN Artemenko (Russia);

5) Head of the Department of Law, Faculty of Social Sciences of the University of Daugavpils, director of professional master's program "Law", Doctor of Law, Associate Professor AM Bikes (Latvia);

6)Head of the Criminal Procedure and Criminalistics, Altai State University, Doctor of Law, Professor, Corresponding Member. SB AS HS, Honoured Lawyer of Russia VK Havel (Russia);

7)Professor, Department of Criminal Procedure and Criminalistics, Altai State University, Doctor of Law, Professor S. Davydov (Russia);

8)Professor of Modern Humanitarian Academy, Doctor of Economics, Professor S. Pavlov (Russia);

9)Professor of Modern Humanitarian Academy, Doctor of Law, Professor AI Glushkov (Russia);

10)Professor of the Department of State and legal disciplines VYUI FSIN of Russia, Doctor of Education, PhD, Professor LK Fortova (Russia);

11)Professor of Civil Law and Procedure RSSU Branch in Krasnoyarsk, Ph.D., associate professor, lawyer, TV Melnikova (Russia);

12)Associate Professor of Social Work and Social Security Branch RSSU in Krasnoyarsk, Ph.D., Associate D. Rahinsky (Russia);

13)Chairman of the regional branch of the Saransk Russian Philosophical Society, Ph.D., professor of research Mordovia State University. NP Ogarev, Professor ME Ryabov (Russia);

14)Professor of Nizhny Novgorod State Pedagogical University, Doctor of Philosophy, Professor SN Pushkin (Russia);

15)Professor of Tambov State Technical University, Doctor of Historical Sciences, Professor VV Nikulin (Russia);

16)Head of the Department of the branch LEU Institution "Moscow Institute of Economics, Management and Law" in Voronezh, PhD, Associate Professor JP Gorbunova (Russia);

17)Associate Professor of International Law of the People's Friendship University, PhD, associate professor, VA Sokirkin (Russia);

18)Head of the Department of Constitutional Law Branch RSSU in Krasnoyarsk, PhD, Associate Professor SM Trashkova (Russia);

19)ProfessorWest Kazakhstan State University. M.Utemisov, doctor of historical sciences, professor TZ Rysbekov (Kazakhstan);

20)Deputy Director of RSSU in Krasnoyarsk, Ph.D., Professor VG Sedelnikov (Russia);

21)Associate Professor of Gomel State Technical University im.P.O. Dry, PhD, associate professor of law, NS Ishchenko (Belarus);

22)Head of the Department of Philosophy and Political Science of the Nizhny Novgorod State Agricultural Academy, Doctor of Social Sciences, PhD, Professor GS Shirokalova (Russia);

23)Director of the Krasnoyarsk branch of the Modern Humanitarian Academy, PhD, Associate Professor KG Yarulin (Russia);

24)Associate Professor of Humanities KrIZhT IrGUPS, PhD, Master of Political Science, Associate Professor EA Goncharov (Russia);

25)Professor and consultant Russian History Department Humanities Institute FGAOU "Siberian Federal University", Doctor of Historical Sciences, Professor VV Grishaev (Russia);

26)Professor of philosophy and culture of the St. Petersburg State Institute of Psychology and Social Work, Doctor of Cultural Studies, Professor NV Serov (Russia);

27)Chief scientific laboratory problems and prevent the disclosure of serious crimes of the National Academy of Internal Affairs of Ukraine, Doctor of Laws, a senior fellow SS Cherniavsky (Ukraine);

28)Associate Professor of the Kuzbass State Technical University, Ph.D., Associate Professor AM Belyukov (Russia);

29)Associate Professor of Economics and Management of the Krasnoyarsk branch of MESI, PhD, Associate Professor VG Akulich (Russia);

30) Head of the Department of Russian LanguageFGAOU "Siberian Federal University",member — correspondent SAN HS, Head of the Regional Language Centre of the Yenisei Siberia, member of the Presidium of the Krasnoyarsk branch of SUN HS, member of the Russian Society of terminology, Ph.D., Professor O. Felde (Russia);

31)Associate Professor FGAOU "Siberian Federal University", PhD, Associate Professor AP Pavlov (Russia);

32)Professor of Modern Humanitarian Academy, Doctor of Law, Honored Worker of Science, Professor VD Malkov (Russia);

33) Assistant Professor of Krasnoyarsk State Pedagogical University VP Astafieva, PhD, Associate Professor EV Voroshilov (Russia) and many others.

As can be seen, people from various professions and science in different countries are unanimous in their opinion about the harmfulness of immorality and illegality of usury and money-lending transactions.

Such adverse specified goal is to get the basics of money (interest) for the use of funds for the money (interest) is another property that lenders receive for putting into use (in this case illegal) things (money). All world religions (Christianity, Islam, Judaism, Buddhism) and the Russian national religion (the so-called pagan faith) condemned usury, recognize his grave sin, which encroaches on the basis of morality —ban seize people's property("Thou shalt not steal", "not extortion," etc.). Resolution of usury is only in Judaism for the Jews (which Judaism is permitted to give money on interest only non-Jews) — as a means of seizing property and power in non-Jews, but this resolution is alien to the morality of the Russian people. A similar opposition to usury occurs in all Slavic and other peoples, their cultures throughout recorded history of mankind, which was expressed, including in Slavic folklore and literature.

Extremely negative attitude to usury and usurers we find in the works of Russian literature and other great Russian thinkers, including contemporary and pieces of most of them are included in the curricula of schools and students in Russia, such as: GR Derzhavin (1743-1816 gg.), VI Dahl (1801-1872 gg.), AD Cantemir (1708-1744 gg.), AS Pushkin (1799-1837 gg.), MJ Lermontov (1814-1841 gg.), NV Gogol (1809-1852 gg.) VG Belinsky (1811-1848 gg.), AI Herzen (1812-1870 gg.), IA Goncharov (1812-1891 gg.), AK Tolstoy (1817-1875 gg.), IS Turgenev (1818-1882 gg.), NA Nekrasov (1821-1878 gg.), FM Dostoevsky (1821-1881 gg.), AF Pisemsky (1821-1881 gg.), ME Saltykov-Shchedrin (1826-1889 gg.), NS Leskov (1831-1895 gg.), NG Pomyalovski (1835-1863 gg.), VV Krestovsky (1840-1895 gg.), GI Assumption (1843-1902 gg.), NE Karonin (1853-1892 gg.), AP Chekhov (1860-1904 gg.), VV Rozanov (1856-1919 gg.), MO DS Merezhkovsky (1865-1941 gg.), MO Menshikov (1859-1918 gg.), A. White (1880-1934 gg.), Semenov (born 1958), Boris Akunin (born in 1956) and many others (see our the above article).

Let us once again on the legal analysis of the phenomenon of usury. In accordance with the Constitution and by the following laws (which include financial principles rule of law), the ruble in Russia — a currency, but not a commodity. Further, the Federal Law № 173-FZ of December 10, 2003 "On Currency Regulation and Currency Control" provides a definition in Art. 1: "The currency of the Russian Federation": a) money in the form of banknotes and coins of the Bank of Russia in circulation as legal cash payment. " Furthermore, Article 29 of the Federal Law of 10 July 2002 "On the Central Bank of the Russian Federation (Bank of Russia)" states: "The issue of cash (notes and coins), the organization of their treatment and withdrawal from circulation in the Russian Federation shall be made exclusively by the Bank of Russia. Notes (bank notes) and coins Bank of Russia are the only legitimate means of cash payment in the Russian Federation. Counterfeiting and illegal production will be prosecuted. " Further, in Art. 140 of the Civil Code, "Money (currency))" explicitly states: "1. The ruble is the legal tender must be accepted at face value on the entire territory of the Russian Federation. " No other purpose money our laws do not indicate so, another purpose of money in Russia as a state institution is prohibited. That is, money isLimited in public circulation thing— They can only be used for its intended purpose —as legal tender.

Thus, the provisions of Art. 819Civil Code (1. Under the credit agreement, bank or credit institution (lender) shall provide funds (credit) to the borrower in the amount and on the terms specified in the agreement, and the borrower agrees to repay the amount of money andpay interest on itetc.), as well as similar products, contrary to the Constitution and other provisions of law, and thereforeare void and can not be used in the interest margin. The above provisions unconstitutional — is due to a number of state officials representing immoral usurious organized on preliminary arrangement by group of persons. In this case, the State taking such legislation itself violated the foundations of morality, law and order in our society, creating the conditions for making usurious transactions, that is, was the organizer and an accomplice to the commission of this offense. The task of the Constitutional Court and the legislature — as soon as possible to correct this dangerous mistake, admit unconstitutional and struck down all the "legal" status, allowing to usurious transaction. Actually Usury — isoffense, which according to the degree of public danger close to the criminal theft of another's property.

Properly be called the "Loan Agreement" — "usurious contract", as well as the loan agreement with interest payments — "usurious loan agreement."

Usury longyou want to prevent a crimein the Criminal Code of the Russian Federation (as have a number of states, for example, in countries such as Iran, Pakistan) in the section on crimes against property was put into effect an article similar to this:

"1. Usury, that is the provision of money for the use of the condition returning not only to convey the amount of money and interest (money or property) for the provision of that amount,

shall be punished ….

2. The steps in the first part of this article, and the payment of interest,

punished …..

3. The steps in the first part of this article, and the payment of interest on a large scale,

punished ….. ".

Need to provide a differentiated responsibilities for each type of the act for each part of the article.

Some attempts in the history of the Russian Federation Criminal Code to prohibit usury were. So, in 2003, deputy of the State Duma Vladimir Zhirinovsky made by January 15 with the proposal to introduce an article in the Criminal Code which read:

"Usury, ie interest charges for the loaned money, credit or property in excess of three percent of the loan amount, loan, valued the property, or a one-time fee deduction from the sum or other consideration received by the sum of more than three per cent, or the establishment of and penalties for late payment loan, credit, or other hidden form of payment, — shall be punishable by imprisonment or correctional labor for up to one year.

The same actions committed in the form of business or with the use of constrained position of the borrower,

— punishable by imprisonment for up to two years with confiscation of property or without it.

Provision of means of production, transport, cattle for cash or remuneration or working out at the rate of 3 percent per annum, provided its calculation on the basis of the principal *, calculated based on the market price or the replacement value **, punishable by imprisonment for a term up to one year.
__________________
* Principal amount — the original amount of the loan or the cost of equipment, transport, cattle.

** The cost of substitution — the main cash equivalent or working capital required to obtain it in its current state on the basis of the opportunities provided by the existing division of labor.
The same actions with the needs of the user's position or tightness — is punished by imprisonment for a term not exceeding two years with confiscation of property or without it. "

Despite the fact that the project would be a half-measure and would eliminate usury, he still has not been adopted, which indicates that the deputies of the State Duma of the Russian Federation represent and protect the interests of lenders in Russia.

In terms of comparative law are particularly noteworthy provisions of the Constitution of the Islamic Republic of Iran, which was finally approved Abana 24 1358 (24 su-al-Hajj 1399 on the lunar Hijri, corresponding to November 15, 1979) at a meeting of the Constituent Assembly by a majority of two-thirds of its total composition:

"Article 43.

In order to ensure the economic independence of the society and the eradication of poverty and deprivation and human needs in the process of development and the preservation of the dignity of the Islamic Republic of Iran's economy is based on the following:
1) The provision of basic needs: housing, food, clothing, health, education and the ability to create a family for all.
2) provision of conditions and job opportunities for all in order to achieve full employment, provision of means of production to those who can work, but does not have the means, through cooperatives,providing interest-free loansand other lawful means, which should not lead to a concentration of wealth in the hands of individuals or groups, or to transform the state into a major and a single entrepreneur. These measures should take into account the needs identified in the general plan of economic development for each specific stage (…);

5) prohibition of harm to others, monopoly, speculation,usurious profitsdisapproved and other actions.
6) the prohibition of waste in all areas of the economy, particularly in consumption, investment, production, distribution and delivery of services.
7) the involvement of science and technology and training in line — the needs of the economy.
8) prevention of foreign economic domination over the economy of the country …

"Article 49.

The government should seize savings obtained byusurious profitsappropriation of property, bribery, embezzlement, theft, gambling, misuse of waqf property, government contracts, and contracts, sales of desert land and property that does not belong to an individual, organization of brothels and through other illegal means of enrichment and return the misappropriated the true owner, and in case of uncertainty it — to transfer the property to the treasury. The government should implement this principle after the investigation and evidence of one of the above offenses under the law. "

Similar provisions are a must in the Constitution of the Russian Federation, that there was no possibility of a "maneuver" to lenders in government again to create the conditions for such a crime, "the business." Special attention should be given to those in need is interest-free loans, as well as exemption from taxes and fees of the poorest — as a form of assistance to these individuals, rather indentured usurious lending operations.

Usury as a form of exploitation of man by manprohibited by international law.

Thus, the American Convention on "human rights" from November 22, 1969 reads:

"Article 21. The right to property

1. Everyone has the right to use and possession of their property. The law may subordinate such use and occupancy of the public interest.

2. No one shall be deprived of his possessions except in the payment of just compensation for public use or public interest and in the cases and forms established by law.

3. Usury, or other forms of exploitation of man by man against the law. "

Currently, the legislation of the Russian Federation still allows accept usurious transactions (such as a credit agreement with banks in terms of interest payments) is negligible, as committed in order, opposing the foundation of morality and law.

Thus, Article 169 of the Civil Code ("invalid transaction made with the aim of opposing the basics of law and order and morality") states:

"The deal, done with a view, knowingly contrary to the basics of law and order or morality, is negligible.

In the presence of the intention of both parties to the transaction — if the transaction is executed by both parties — the income of the Russian Federation shall pay all they received on the transaction, and if the transaction is executed by one party on the other hand is collected in the Russian Federation all income received by it and all of its outstanding first party in compensation received.

In the presence of the intention of only one of the parties of the transaction all she had received to the transaction must be returned to the other side, and the latter to obtain either due to it in respect of the executed collected in revenue of the Russian Federation. "

Within the meaning of this Article, all interest earned on the usurious transaction must be returned to the victim from the actions of lender (bank, etc.), as the moneylender always puts knowingly contrary to morality and basic purpose of the rule of law in the contract — the payment of interest — other people's money — for the non-existent " commodity ".

Despite the well-known character antinravstvenny unlawful and usurious transactions, Russian courts have time and again to collect from accident victims of usury interest rates, driving them, and the Russian economy in an unreasonable period, thereby destroying our already economically declining, indirectly reducing the population (every year the population of Russia reduced at least 400 000 people). Part of this "case law" due to genuine error in law judges "interest", in part — the ignorance of many judges, in part — the fear of setting a precedent, and partly — pressure usurious structures and management, etc.

Therefore, the victims of usury in the trials should involve experts (including independent from government agencies) and present to the court of the committee of experts, experts (linguists, lawyers, economists, philosophers, historians, psychologists, theologians, etc.), confirming the fact that particular transaction (loan contract, etc.), made with a view, knowingly contrary to the basics of law and order or morality, or the fact that the transaction does not meet the requirements of the law or other legal acts. In the latter case, the transaction is also negligible — in accordance with Art. 168 of the Civil Code (Article 168. "Invalidity of the transaction, the relevant law or other regulations"). In case of submission of expert reports, the courts can not ignore them, and they are required to assess in conjunction with other evidence. The banks and other entities usury evidence that their transaction is consistent basis of morality, law and order, the court, accordingly, will not, for the above reasons, and the preponderance of evidence is on the side of the victim.

The great Russian writer and expert on ethicsNikolai Semenovich Leskov once wrote: "First of lenders were aware that a criminal offense, and by all means hiding their heinous craft that much or you never know, but protects morality of the people. Allowing lenders to act according led to what many now learned to look at usury, as a simple business transaction, and this opinion does not happen very often hear from the good people. " Such a situation takes place so far and is intolerable. Organization usury state usury itself areFORMS parasitic and malicious activity, as well as the establishment and collection of "rotten" state taxes, such as property taxes, privately owned, andvirtualization of money and inflation.

Thus, Academician N. Levashov said: "The introduction of property tax actually means the abolition of private property as the judges. Here is why. If a property owner can not pay the property taxes for some time, the government takes from the private owner of the property! If so, it turns out that the property isSTATE PROPERTY, not private, and citizen only rent from the state as the judges! ".

As rightly pointed out by several authors, usury ".. violates the "constitution" of the monetary system by which money is only a medium of exchange and can not act as a commodity on which to make a profit. Percent of the system allows a rich man to earn income while doing nothing himself, his money will work for him. It is through this mechanism centuries parasites sucking the lifeblood of the people who are actually working and producing something useful. (…). Meanness of usury is in the fact that many people only see the positive side of it: taking a loan large amount of money, you can start a business or improve an already existing production, make a major purchase, and then gradually, in small installments to pay for a loan. But for some reason, not all think about the fact that as a result a large proportion of their own labor, which is converted into money, settle in the form of interest in the pockets of parasites lenders, rather than to get the rightful owner. That the economy was stable, to avoid stratification of society into the super-rich and sverhbednyh, can neither take nor give money at interest. Interest rate should be exactly zero. While 100% of Russia's population will not understand this, the system of interest will continue to feed the parasites with you the fruits of our labor. And drive those who take loans, bezvylazno debt trap "(see articleSocial ParasitologyOnline http://www.darislav.com/obschestvo/1036-social-parazitology.html).

Therefore, in addition to these proposals need to urgently review all state educational standards and programs, whereby citizens should learn usurious transaction as legitimate. On the contrary, should treat such transactions as the transaction is negligible and competently explain to people — on what grounds they need to challenge in the courts.

Thus, in the textbooks of "civil rights" and other works, the media should lead

SAMPLE STATEMENT OF CLAIM IN COURT

In _____________________________________

(Name of the court of first instance)

Claimant: ________________________________

(Information about the claimant referred to the CCP or RF APC)

Defendant: _____________________________

(Information about the respondent referred to the CCP

RF or APC)

Price action _____________________________

(Specify the amount of interest received counterparty)

STATEMENT OF CLAIM

for annulment of the loan agreement (in terms of interest) and the application of the consequences of invalidity of a void transaction

Between ___________________ (the defendant) and ________________ (the plaintiff), "___" ________________, the credit agreement is concluded N ___ (hereinafter — Agreement) _____________________(Brief description with the obligatory indication of interest).

Transaction was executed in part. Defendant provided the money (credit) to the plaintiff in the amount and on the terms specified in the Agreement, and the plaintiff returned to the cash amount(State reimbursement)and pay interest on it in the amount of _________________(Specify the amount).

How can I (we) became known after the conclusion of the study and the number of specialists from ________ '_____' ______________ 20____ LLC "Inter-regional office of examinations" (see the proof in the appendix), the specified contract is (in terms of interest) transactions made by the defendant in order to , knowingly contrary to the basics of law and morality. To yield the conclusionI (we) did not know (and), that the agreement regarding the payment of interest contradict the principles of the rule of law and morality.

In accordance with the Constitution (which contains the foundations of law and order), the ruble in Russia — a currency, but not a commodity. Further, the Federal Law № 173-FZ of December 10, 2003 "On Currency Regulation and Currency Control" provides a definition in Art. 1: "The currency of the Russian Federation": a) money in the form of banknotes and coins of the Bank of Russia in circulation aslegitimate means of cash payment". Furthermore, Article 29 of the Federal Law of 10 July 2002 "On the Central Bank of the Russian Federation (Bank of Russia)" states: "The issue of cash (notes and coins), the organization of their treatment and withdrawal from circulation in the Russian Federation shall be made exclusively by the Bank of Russia. Notes (bank notes) and coins Bank of Russia arethe only legitimate means of cash paymentin the Russian Federation. Counterfeiting and illegal production will be prosecuted. " Further, in Art. 140 of the Civil Code(The money (currency)) "Just say,"1. The ruble islegal tender, must be accepted at face value on the entire territory of the Russian Federation. "No other purpose money our laws do not indicatehence, another purpose of money in Russia as a state institution is prohibited.

The provisions of the Agreement regarding the payment of interest, as well as art. 819 of the Civil Code (1. According to the loan agreement, bank or credit institution (lender) shall provide funds (credit) to the borrower in the amount and on the terms specified in the agreement, and the borrower agrees to repay the amount of money andpay interest on itetc.), as well as similar products, contrary to the Constitution and the other provisions of these laws, that is, foundations of law and order, as well as the foundation of morality (basis —BANConfiscate people's property, bansUsury as manifestations of evil, covetousness — see the conclusion of experts in the application), And therefore is null and void and can not be used in the interest margin. The above provisions unconstitutional — is due to a number of state officials representing immoral usurious organized on preliminary arrangement by group of persons. In this case, the State taking such legislation itself violated the foundations of morality, law and order in our society, creating the conditions for making usurious transactions, that is, was the organizer and an accomplice to the commission of this offense.

Usury as a form of exploitation of man by manprohibited by international law.

Thus, the American Convention on "human rights" from November 22, 1969 reads:

"Article 21. The right to property

1. Everyone has the right to use and possession of their property. The law may subordinate such use and occupancy of the public interest.

2. No one shall be deprived of his possessions except in the payment of just compensation for public use or public interest and in the cases and forms established by law.

3. Usury, or other forms of exploitation of man by man against the law. "

The defendant was by me (us) informed (see appendix) that the contract is in part payment of interest transaction, in order to perfect the defendant, knowingly contrary basics of law and morality (goal — getting percent of the loan amount). However, the defendant has continued to demand the payment of interest.

Thus, the defendant has violated my ownership of the money paid on account of interest on the agreement.

Calculation of recoverable amounts: _____________________________________(Specify).

According to Article 169 of the Civil Code (void transaction made with the aim of opposing the basics of law and morality), a transaction made with a view, knowingly contrary to the basics of law and order or morality, is negligible.

In the presence of the intention of both parties to the transaction — if the transaction is executed by both parties — the income of the Russian Federation shall pay all they received on the transaction, and if the transaction is executed by one party on the other hand is collected in the Russian Federation all income received by it and all of its outstanding first party in compensation received.

In the presence of the intention of only one of the parties of the transaction all she had received to the transaction must be returned to the other side, and the latter to obtain either due to it in respect of the executed collected in revenue of the Russian Federation. "

Information on compliance with pre-trial order to access to the defendant, if it is established by federal law or by the contract parties ________________ (please specify).

Based on the above, guided by art. 169 of the Civil Code, Code of Civil Procedure of the Russian Federation please:

1. Annul the contract in terms of interest payments.

2. Accept the consequences of nullity of a void transaction — to recover from the defendant in my favor I have had all received cash as interest in the amount of _____________(This step can be omitted if no interest is payable).

3. To recover from the defendant in my favor, the court costs in the amount of _________ rub.

Applications:

1. Credit agreement of N _ "__" _________ was — on page _ (copies — 2 copies.)

2. Documents confirming the payment of interest to the defendant — by ___ page (copy — 2 copies.)

3. Proof of payment of the state fee;

4. Power of attorney or other documents confirming the authority to sign the statement of claim — on page ___;

5. The calculation shall be collected a sum of money, which was signed by the plaintiff, his agent, with copies in accordance with the number of defendants and third parties — in _____ page (2 copies.).

6. Conclusion The number of specialists from ________ '_____' ______________ 20____ LLC "Inter-regional office examinations» http://mbe2009.ru/ — on page _____ (2 copies);

7. Notification of ____________, the defendant that the contract is in part the interest payment transactions made by the defendant with a view, knowingly contrary to the basics of law and morality — on page _______ (2 copies);

Original documents will be submitted by me to study in the trial.

Date of application: "___" _______________, the

Signature

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Note: For individuals:

By § 3 of Art. 17 of the Federal Law "On Protection of Consumers' customers for claims related to the violation of their rights, are exempt from state tax.

In particular paragraph. 3 paragraph 1 of the Decree of the Plenum of the Supreme Court of the Russian Federation of 29.09.1994, № 7 "On the practice of court cases on the Protection of Consumers' Rights states that the relations regulated by the legislation on consumer protection may arise from contracts for the provision of financial services (in including loans, opening and keeping customers — citizens, payment on their behalf, to receive services from citizens and custody of securities, etc.) to meet the personal, family, household and other purposes not related to business activities .

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