Kazarin, I. Return of deposit bank accounts: chronology and mechanism of changes in the judicial practice. Legal and “political” aspects of hearing the cases of depositors to the Savings Bank of the Russian Federation.

Abstract: In 1993, the Savings Bank of the Russian Federation began an active advertising campaign for a new banking service in the central and regional media - a fixed-term bank deposit agreement "Target deposit for children" In 2003-2004. depositors began to apply to the bank for deposits and interest accrued during the 10-year term of the agreement. At the same time, it turned out that already from July 1, 1994, the Savings Bank of the Russian Federation unilaterally and without any notification to depositors lowered the interest rate to 170 percent per annum, then lowered it repeatedly (eventually reducing it to 16 percent per annum). Accordingly, instead of the expected 420 707 298 rubles. (taking into account the denomination - 420 707, 29 rubles) or 15 119, 40 USD at the rate of the Central Bank of Russia on December 25, 2003), depositors were offered to receive a little more than 370 rubles, which is or 13, 29 USD at the rate of the Central Bank. Assessing these actions of the Savings Bank of the Russian Federation as a clear violation of the terms of the concluded agreement, depositors in large numbers began to file lawsuits against the bank in Russian courts of general jurisdiction. At first, these claims were satisfied, but soon there was a sharp turn in judicial practice. The article presents a critical analysis of the current judicial practice.