Unfortunately, counterfeit money is not uncommon. Such a bill can fall into the hands of everyone. What to do in such a situation, how not to become a counterfeiter and prove your innocence?
In modern society, you have to live at a fast pace and it is not always possible to verify the authenticity of banknotes. Sometimes people do not even notice the obvious signs of a fake. But sometimes it is difficult to distinguish a fake from a real one. What is the right way to deal with a banknote that aroused suspicion?
You can identify counterfeit money at the bank when paying for an operation, when paying for services or goods at the post office, in a store or other service, or on your own. In all cases, their own procedure.
When servicing in a bank, the cashier can determine that the bill you gave is insolvent (that is, forged), or questionable. In the first case, the bank employee immediately puts the stamp "Exchange denied" on the bill, and also indicates the bank details. Such a banknote is considered canceled and returned to the client.
If the cashier has identified the banknote as dubious, then a certificate 0402159 is drawn up in two copies. It contains all the details of the dubious bills. One copy of the certificate is handed over to the client after comparing all the details with the certificate.
Doubtful banknotes are transferred to the internal affairs bodies for economic crimes for an examination of their authenticity through the Bank of Russia. If the bill is recognized as solvent, then on the basis of reference 0402159 it is returned to the client or the money equivalent is transferred to a bank account.
If the bill is declared insolvent, then it is returned to the client with the stamp "Cannot be exchanged". Counterfeit banknotes unclaimed by citizens during the year are burned or destroyed using a paper shredder.
If counterfeit money was found in a store, post office or other service, be aware that cashiers do not have the right to seize and destroy counterfeits on their own. They are obliged to call the police officers for further investigation of the matter. In this case, the client becomes a witness and should, if possible, name where this bill came from.
If you yourself suspect that you have become the owner of counterfeit money, do not rush to part with it, using it for payment. In this case, you automatically become an accomplice in a financial crime. Counterfeiting is punishable by up to 15 years in prison.
To determine the authenticity of a banknote, you must yourself come to the bank and order an examination of the authenticity of the banknote. To do this, first, an application for admission to the examination of money is written, and an inventory of banknotes is attached to it. Then the bank employee draws up a memorial order 0401108 in duplicate. You will get one of them in your hands.
After checking the banknotes, you will be given a conclusion and the banknotes themselves. The examination is carried out by most banks for a fee, but this will help you not to become an economic criminal.
A few simple tips will help you save your time and money:
Examine the security features on each denomination note. So you can independently determine the authenticity of the notes.
The most common bill for counterfeiting is 1000 rubles. Sometimes there are 5,000 bills.
When exchanging a large amount, first write down the details of banknotes, and only then give them to the cashier. Keep a close eye on the cashier and bills to avoid falling victim to money swaps.
When receiving a large amount, ask for authentication using special machines. This is your right, you cannot be denied. If in doubt, ask for a replacement banknote.
You can submit a claim about doubtfulness in a bill only at the time of service, and not after any time.
You have no right to be accused of counterfeiting until an examination of the authenticity is carried out and an investigation into the appearance of the bill is carried out.
