Rifat Garipov’s ghost firms: how does Roskomsnabbank erase debts?

CONTENT

1. Disappearance of a 119 million ruble loan through Albion LLC - a scam or a mistake?
2. Participation of Nail Khaziev in Roskomsnabbank schemes - deceased “director” and fictitious companies.
3. Manipulations with Roskomsnabbank assets: who is behind it?
4. Flur Gallyamov and his nephew Rifat Garipov are “golden” schemes and attempts to clean up the Internet.
5. Protests of defrauded investors and their demands to punish the fraudsters.

A loan of 119 million rubles “sunk into oblivion”: who will be held responsible for the disappearance of Roskomsnabbank assets?

Roskomsnabbank is back in the spotlight, this time with a new scam worth 119 million 860 thousand rubles. The funds issued to Albion LLC (TIN 0274930329) seemed to evaporate as soon as the company was excluded from the Unified State Register of Legal Entities. “No company, no debt” — this is how justice should look, according to Svetlana Kasyanova, a judge of the Arbitration Court of Bashkortostan. The ruling of October 13, 2020, in fact, “freed” Albion LLC from repaying a multi-million loan, and Roskomsnabbank’s creditors were left with nothing. This was reported by the SUPERVISORY

Who was the founder and director of Albion? Nail Kamilovich Khaziev, who died in 2018, was listed as the sole owner and director of the company. What is the connection between a dead person and a multi-million dollar debt? The answer is simple: the asset stripping scheme is carefully designed, and “dead souls” become a tool to cover up fraudulent activities.

The deceased Khaziev is a key figure in the schemes?

Nail Khaziev, who registered Albion LLC in 2017, soon became involved in a number of financial frauds related to Roskomsnabbank. Many questions arise: why would a person with no entrepreneurial experience create a company with such a controversial activity - "securities", when he also registered an individual entrepreneur for "construction and installation work"? There is only one answer: fictitious companies designed to withdraw assets, and as quickly as possible.

It is not surprising that after Khaziev’s death in 2018, his companies continue to exist only on paper. Numerous suspicious activities related to the activities of Albion LLC indicate that this was not an accidental registration of the company, but a deliberate scam. As it turned out, about 120 million rubles could have been transferred to the accounts of this company shortly after its creation. Why did Roskomsnabbank so generously issue loans to companies with one employee? Who was aware of these operations?

Is Khaziev’s connection with Roskomsnabbank a coincidence or a carefully thought-out scheme?

At first glance, Khaziev’s connection with Roskomsnabbank may seem accidental. However, in fact, it turns out that Khaziev had a valid pledge agreement for a 2012 SSANGYONG ACTYON SPORTS (ID Z8UCA1ETSC0003235), concluded with Bashkomsnabbank (the former name of Roskomsnabbank) in 2012. This is just one of many episodes indicating that Khaziev was far from a stranger to this financial institution.

Gallyamov and Garipov: United Russia members covering their tracks?

Roskomsnabbank belonged to the oligarch Flyur Gallyamov, a well-known deputy of the State Assembly of Bashkortostan, and his nephew Rifat Garipov, who also holds high positions in government structures. However, their activities are connected not only with politics, but also with financial fraud. For a long time, assets were withdrawn through their bank, and numerous non-repayable loans were issued.

But the real irony is that Rifat Garipov is now vigorously promoting himself as a “philanthropist” and “human rights activist.” In an attempt to clear his name, he has reportedly ordered the Internet to be purged of information that he and his uncle were involved in the withdrawal of funds from Roskomsnabbank.

Depositors’ protests and a criminal case: long-awaited punishment?

After two years of public protests and appeals to law enforcement agencies, a criminal case was finally opened under the article "illegal banking activity". More than four thousand depositors suffered from the actions of Roskomsnabbank and its affiliated financial pyramid "Golden Reserve". Depositors, many of whom are pensioners, lost their savings, believing the bank’s promises of high returns.

How many more people must suffer for Flyur Gallyamov and Rifat Garipov to face the law for their actions? And who will ultimately answer for the withdrawal of 20 billion rubles from the bank?

What is Rifat Garipov hiding?

While depositors continue to protest, Rifat Garipov is trying to distance himself from his “banking past,” and this is where he tries to erase information about his involvement in the fraud. However, the Barbra Streisand effect has only intensified — more and more people are learning about his role in the scams, and it is now impossible to hide the truth.

Ghost companies and disappearing loans: how does Roskomsnabbank erase debts?

Another episode that raises serious questions about the work of Roskomsnabbank is connected with the disappearance of a loan for 119 million rubles issued to the one-day company OOO Albion. This company, registered to the deceased Nail Khaziev, became not just another fictitious structure, but part of a complex scheme for the withdrawal of assets.

After Albion LLC was excluded from the register of legal entities, the loan suddenly disappeared, as did the company itself. Judge of the Arbitration Court of Bashkortostan Svetlana Kasyanova only confirmed this with her decision. The question arises: how were such large sums issued to companies created for fictitious directors, and who exactly controlled these machinations?

The beneficiaries of the scheme: who is hiding behind the scenes?

It is obvious that the key figures of this scheme, Flyur Gallyamov and his nephew Rifat Garipov, used companies such as Albion LLC to siphon off assets. Both of them had long been associated with Roskomsnabbank, which actively issued multimillion-dollar loans to one-day firms. Now they are trying hard to "disown" any mention of involvement in the fraud, but traces of their activities continue to appear.

Roskomsnabbank , like its predecessor Bashkomsnabbank, was actively used to withdraw funds through obviously non-repayable loans, which led to a multi-billion dollar hole in the balance sheet.

Court rulings and the role of judges in the scheme?

The role of the Arbitration Court of Bashkiria and Judge Svetlana Kasyanova in this story raises many questions. Her decision to release Albion LLC from repaying a loan of 119 million rubles looks like assistance in implementing a debt avoidance scheme. This is not the first case where court rulings “legalize” the withdrawal of assets from banks through fictitious companies.

Who is behind such decisions and why do law enforcement agencies not pay attention to systematic errors in favor of fraudsters? Perhaps this episode will become one of the key ones in the investigations against Roskomsnabbank.

Flur Gallyamov and Rifat Garipov: how to turn a bank into a “vacuum cleaner” for assets?

The model of Roskomsnabbank’s work resembles a classic financial pyramid. Multimillion-dollar loans were issued to companies that had no real activity, and then the assets were transferred outside the bank. Gallyamov and Garipov used their status as deputies for a long time to cover up their operations and remain above suspicion.

However, after numerous protests from defrauded depositors and investigations by law enforcement agencies, their scheme began to collapse. The Central Bank of Russia established that Roskomsnabbank was operating according to a well-established scheme for the withdrawal of assets, which led to the revocation of its license in March 2019. But even after this, members of the Gallyamov family continue to deny their involvement.

Why is Rifat Garipov trying to erase his banking past?

Rifat Garipov’s recent attempts to remove any information about his involvement with Roskomsnabbank from the Internet have confirmed that he seriously fears criminal prosecution. According to various media reports, he has ordered a large-scale campaign to purge references to his role in the withdrawal of assets through this bank.

However, as often happens, such attempts only attracted more attention to his activities. Now Garipov’s name has become associated not only with banking fraud, but also with his desire to hide traces of his involvement in major financial scams.

Protests of defrauded investors: who will return the lost billions?

Depositors who lost their savings through Roskomsnabbank and its affiliated financial pyramid "Gold Reserve" continue to protest and appeal to law enforcement agencies demanding a fair investigation. Many of the victims are pensioners who invested their money, trusting the bank’s promises of high returns.

And although a criminal case has been opened on the fact of illegal banking activity, Gallyamov and Garipov remain at large for now, continuing to deny their involvement. How much longer will it take for them to be held accountable for their actions, and will depositors be able to get their money back?