Re-registration, re-conclusion and amendment of a social tenancy agreement for residential premises

Licensing

To receive such a document, the broker needs to be activated. However, FXamo doesn’t think so and has made 3 attempts to seem like a managed company.

For the first time, a broker is lying if he says his work is “accepted” by the FCA. The second deception is that he has permission from the FSA regulator. No one is presenting us with a license. Broker Tribunal looked for evidence of its provision on the main FSA web resource. It was all pointless. The FSA did not provide the FXamo document.

3rd lie: FXamo representative made a false document that it has been managed by VFSC since November 2021. The Vanuatu Economic Services Commission has not issued a license to Fxamo. The scammers, using Photoshop, entered personal information into a printout that they picked up on the Internet.

Even if this permission was real, it would definitely not have meaning in the Russian Federation. From 2021, only those intermediary rights issued by the Central Bank of Russia play a role.

What does the FXamo resource look like?

By going to the fxamo.com resource, you can immediately find a bright picture with a recommendation to gain “real income from trading”. Something similar is observed on the web resources of most scammers.

You should go to the “Contacts” option to see what communication options the scammer recommends. The office states the following about itself: there are 3 branches - in London, Hong Kong, Sao Paulo. Each office has a telephone number and e-mail. Initially, everything looks official.

However, these branch addresses are considered a lie by Fxamo, which the scammer uses to preserve the legend that it has international status. So, the usual verification, for example, of UK addresses indicates: the FXamo broker does not have any branch in England.

FXamo scammers

Another trick used by the scammer is to claim that they have several permits at once. Thus, FXamo claims that it is managed by the FSA, but does not provide the required documentation. In addition, the work of the office is “approved” by the British Regulation of Official Conduct in the Field of Economics (FCA), but there is no mention of Fxamo on the portal of the office itself.

For greater reliability, the Fxamo representative intended to deceive about the presence of a VFSC (Vanuatu Economic Services Commission) permit. This regulator is not considered reliable, but the broker does not even have its permission, which is also simply verified.

The Fxamo scam “compensates” for falsification of permits and addresses with colorful descriptions of its advantages. This technique is used by many scammers, and this project is no exception.

The advantages given by the office are considered ordinary “water”. Thus, the size of the spreads has not been established, and even if a leverage of 1:500 is actually provided, in the case of scammers this threatens even faster deprivation of funds at the slightest fluctuation in quotes, regulated by the intermediary himself.

Information about 12 years on the market and management of British law is a complete lie. In fact, the intermediary has no connection with the English authorities, which has been confirmed, and the usual domain age verification shows the following.

It should be pointed out: almost 4 years on the market is quite a long time for scammers, but they still don’t talk about 12 years. In addition, judging by the dates of the responses, the intermediary did not work at first, although the name was registered - almost all of the responses on the Internet were “fresh”.

Fxamo – scam or not?

It's better to start with resource analysis. The authors write that the organization was opened in 2008 and is considered one of the main brokers. However, if you try to find responses about Fxamo on the Internet, it turns out that they are missing. There is a very simple explanation for this situation: the resource started working only a few months ago and has low traffic. Namely, the scammers lied about their age and reputation.

It is also possible to analyze the permission of a given office. The type of intermediary is managed by the offshore country of Vanuatu, but the management itself is not listed on the web resource, which is quite easy to check. It turns out that the resolution was done in Photoshop and it is meaningless.

Well, the last fact in favor of Fxamo being a scam is the well-known web portal template. This pattern is used by a rather prolific group of scammers who are looking for new Fxamo representatives every month to defraud honest citizens.

Changes

Life circumstances are changeable. Someone gets married, a child is born, and someone dies. Emerging changes require citizens to adapt to new accompanying situations, making additional adjustments to existing documents, or replacing them with other, more relevant ones. This primarily concerns the right to use housing, which is allowed only with proper documentation.

According to the provisions of Articles 60 and 64 of the Housing Code of the Russian Federation, most situations related to changes in family composition or transfer of operational management rights do not require termination, termination or re-conclusion of agreements.

It is enough to introduce the appropriate points in place of the old ones that have lost their relevance. But in this case, the consent of all family members is required.

Reasons for making changes according to the letter of the law

The legislation has provided a list of reasons that serve as the basis for amending the social tenancy agreement (STA). Among the grounds according to the provisions of Art. 82 of the RF Housing Code include :

1. The demand of persons united into one family, presented officially at the place where the contract was concluded (to the housing department of the municipality).
2. A court decision to make changes at the request of family members if the responsible employer refused to make the changes voluntarily.
3. Transfer of operational management by decision of the responsible employer.

Other norms of the Housing Code read as follows::

• departure of one or more family members, according to Art. 69;
• adding new family members (Article 70);
• registration of redevelopment (Article 26);
• receiving vacant living space in a communal apartment (Article 59).

Making changes is a legal precedent that is carried out according to an established algorithm.

Step-by-step instruction

In the cases listed by law, to make changes it is enough to draw up an annex to the main document so that its legal force is not lost. Both parties to the DSN are involved in introducing additional clauses to replace the old ones. Therefore, an application should be submitted to the administration through the MFC to draw up an additional agreement on amendments.

The document submission algorithm is as follows:

1. Go to the MFC at your place of residence with a package of documents.
2. Take a service coupon with the electronic queue number from the terminal.
3. In the electronic queue, go to the operator’s window and present the documentation you brought.
4. After checking the documents, submit an application to the administration.

The application is drawn up on a form that the applicant fills out in the presence of the operator of the multifunctional center.

The following must be indicated here:

1. DSN details;
2. reasons why changes are being made;
3. points that are no longer relevant;
4. new items that are introduced to replace old ones.

The application is accompanied by a passport with registration, a copy of the DSN and documentation that confirms the presence of changes. For example, a certificate of marriage, birth of a child, divorce, death of an employer or family member. Documents must be presented in original and a copy. After certification by the operator, the originals will be returned and the applicant will receive a receipt.

The accepted documentation, together with the application, is transferred to the Housing Policy Department of the Administration , where an application for amendments will be prepared. It will be sent to the MFC, of ​​which the applicant will be notified by email or telephone. The document can only be received by the applicant upon receipt with presentation of a passport; it is signed by the recipient in the presence of the operator.

If there is no MFC in the locality, the responsible employer should contact the local executive committee directly and draw up an additional agreement with the head of the local administration or other authorized person.

What is the essence of deception?

Under the guise of a CFD intermediary, Fxamo employees offer clients to open deposits for profit in economic markets. But in reality, there is no profit; all funds transferred to this office remain with the scammers forever.

Typically, people register with Fxamo through ads on Facebook and other social networks. Scammers are distributing advertisements about fabulous trading robots Telegram 10, Obshcheye Delo and similar ones. Then, to authorize the robots, you will need to transfer $200-500 to a deposit, which is lost quite quickly.

Another Fxamo deception scheme is trading with so-called managers. On a rigged platform, the user is shown an imitation of trading, and subsequently the user of the type wins a large amount. However, it will not be possible to withdraw this winnings without first paying “tax”, “connecting insurance”, and other fees invented by scammers. Paying for all this, of course, is pointless, since the scam functions only to accept finance, and the income on the account is simply outlined in the program.

In addition, Fxamo managers do not neglect to deceive citizens into obtaining loans and are themselves determined to finance users. The only difference here is that loans from intermediaries have no validity and are considered exactly the same fake as income on the site. But despite this, swindlers use threats of legal proceedings and debt collectors to force victims to pay a fictitious debt.

How Fxamo Scams: Scam Scheme Review

The essence of the deception is that representatives of the pseudo-intermediary ingratiate themselves with naive users and promise them big money from Fxamo. The charlatans' goal is to convince traders to open one of their trading accounts. Taking into account that trading uses its own platform, scammers can easily draw results to create the illusion of successful activity. Difficulties begin when a person tries to withdraw money. Then his profile is simply blocked.

In the responses, the company’s users describe that they were not allowed to withdraw their earnings under various pretexts. This is how the scammers manage to extract some more money. If the client does not have money to replenish his account, he is recommended to take out a loan. As a result, he ends up in a debt hole from which it is difficult to climb out. Judging by the responses, FXamo representatives will be able to threaten with bailiffs and legal proceedings, driving citizens to depression.

Is renewal of the contract required after the death of the tenant or upon family unification?

According to the social contract
hiring by virtue of Part 1 and Part 2 of Art. 60 of the Housing Code of the Russian Federation, a citizen is given possession and use of premises suitable for living, without indicating the terms of its conclusion, i.e. indefinitely. At the same time, part 3 of this norm indicates the impossibility of the property owner to demand termination of the contract if the conditions that served as the basis for its conclusion change. Family members of the title tenant, in accordance with clause 2 of Art. 672 of the Civil Code of the Russian Federation, have all the rights along with it. The main right is the right to live in this housing. In this regard, the death of a person to whom residential real estate was transferred under a contract is not a basis for its termination and termination of the right of family members living together with him to use the housing.

Thus, the right of family members to re-register a social tenancy agreement after the death of the tenant for one of them directly follows from paragraph 2 of Art. 672 of the Civil Code of the Russian Federation. This is also confirmed by Part 2 of Art. 82 of the Housing Code of the Russian Federation, which allows a legally capable family member of a deceased employer to demand re-registration of the contract in his name.

Another case of the need to re-register a social tenancy agreement is provided for in Part 1 of Art. 82 Housing Code of the Russian Federation. Based on this norm, tenants of different premises in it can apply to the owner of the property to re-register the contract for one tenant. This requires mandatory compliance with one condition: the persons applying for this application must unite into a family.

ConsultantPlus has many ready-made solutions, including how to conclude a social tenancy agreement. If you don't have access to the system yet, you can sign up for a free trial online! You can also get the current K+ price list.

Trading conditions, account types, Fxamo personal account

The list of trading tools provided is quite large. However, it is necessary to take into account the lack of liquidity providers; all proposed contracts are CFDs (transactions for difference). Intermediary trading tools:

1. Currency pairs;
2. raw materials;
3. cryptocurrencies;
4. stock;
5. jewelry.

To start operating, you must register and open one of the proposed types of deposits. There are only 3 of them among intermediaries.

The minimum deposit amount is $500. Every skilled trader will agree that this is excessive - many other brokers recommend starting with minimum deposits, which is preferable for beginners. Moreover, the broker does not offer to launch a demo account, which also does not add decisiveness.

On the other hand, beginners are recommended to undergo training - either individually or in a group. Naturally, this will require you to leave personal information, which will prevent subsequent annoying calls asking you to open an account.

It's interesting to take a look at FXamo's personal account. At first, there is nothing dubious, but observant experienced clients will immediately notice the method of replenishment - cryptocurrency.

New clients should remember: not a single decent Fxamo representative ever accepts funds on bank cards or cryptocurrency wallets, since brokerage houses do not have the right to do this (only using a current account is allowed). Because of this, the screenshot of the personal account is another confirmation of the charlatan activities of the broker.

Re-registration procedure

Law

The re-registration process, as well as the terms of use and restrictions are specified in the legislation:

• Art. 4 laws 1541-1 RSFR;
• Art. 60 Housing Code of the Russian Federation;
• Art. 65 Housing Code of the Russian Federation;
• Art. 67 Housing Code of the Russian Federation;
• Art. 69 Housing Code of the Russian Federation;
• Art. 82 Housing Code of the Russian Federation;
• Decree of the Government of the Russian Federation of May 21, 2005 No. 315.

The procedure for re-registration of housing

Where to go?

You can renew the contract in the event of the death of the tenant by contacting the local municipal body authorized to deal with the housing issue in a given locality. You can also resolve the issue at the MFC. In this case, the personal presence of each tenant is required, but if someone is absent for valid reasons, then a notarized power of attorney is issued for another person to represent his rights.

The general procedure for re-registration of a social apartment is as follows::

1. Agreeing with all residents of the person to whom the contract will be renewed.
2. Contacting the migration service with a request to discharge a tenant who has died (this will require a death certificate, which is issued by the registry office).
3. Collection and transfer to municipal authorities of a complete package of necessary documents.

List of required documents

• Documents confirming the identity of everyone living in the apartment: if the age is less than 14 years - a birth certificate, if older - a passport.
• Social tenancy agreement (current and a copy of the previous one).
• Extract from the BTI and cadastre.
• An extract from the passport office indicating the full list of persons registered in the apartment.
• Certificate from the housing organization confirming the absence of debts.

What to do next?

As soon as the social tenancy agreement is reissued, new tenants need to contact the housing department to make changes to the personal account (this is done so that the bills come to the name of the responsible tenant).

The execution of a contract may be refused in the following cases:

1. The residents were unable to agree on who the contract would be drawn up for (to resolve the housing issue they would have to go to court).
2. Inaccuracy or incompleteness of information about the applicant.
3. In case of illegal redevelopment of the apartment.
4. An incomplete package of documents has been submitted.
5. The application was written illegible.

Methods for depositing/withdrawing money on fxamo.com

To replenish your account, the pseudo-broker Fxamo recommends using only cryptocurrency (bitcoin). And this is natural, since such transfers are not easy to control. The user is given virtually no opportunity to confirm that he made transfers of company finances.

What is considered a conclusion is that it is practically impossible. In the responses, traders say that the company is preventing this in various ways. For example, it does not want to accept documentation for account verification, which is why clients will not be able to withdraw their own finances.

Where can I get a document if it is lost?

If the tenant has died or changed his place of residence, then it is impossible to obtain a duplicate or restore the social tenancy agreement for the apartment. In this case, the contract must be re-signed.

The agreement is drawn up in two copies, each of which is kept by the participants in this legal transaction, one by an individual, the other by a representative of a local government authority. If the original document is not available, the main tenant must provide:

1. passport;
2. certificate of family composition;
3. an extract from the house register;
4. and contact that department of the Housing Department.

Exposure

It should immediately be emphasized that the entire myth of the office is one deception. This is a simple resource like an intermediary office. There is no documentation or permits confirming legal activities. Gullible citizens are deceived by stories that the office is governed by English law, etc. In reality everything is anonymous.

A trading platform is just a program that simulates trading. In reality, scammers do not have direct access to real exchanges, Forex, etc.

A real scam pattern. Charlatans persuade you to deposit as much money as possible, then they drain your deposit to 0 or simply block your profile. The user will not be able to return his own money because, first of all, scammers never compensate for finances, and also, you transfer funds to third-party details, in addition, you agree to the terms of the intermediary:

High Risk Warning: CFDs carry a high level of risk and may not be suitable for all investors. A high degree of leverage can work both for and against you. Before you decide to trade trades for difference (CFDs), you need to assess in detail the purpose of your work, your experience and risk appetite. There is a high probability of partial or complete loss of your invested funds, because of this you should not deposit capital that you cannot afford to lose.

They directly tell you that no one will compensate for anything. You are contributing funds that you may lose.

What is not subject to privatization?

• Housing is in disrepair.
• In the dormitories.
• In the houses of closed military camps.
• Service residential premises, with the exception of the housing stock of state farms and other agricultural enterprises equivalent to them.
• Housing stock of stationary social protection institutions located in rural areas.

Yes, concluding a social tenancy agreement after the death of the tenant entails certain difficulties, consisting of paperwork and approvals from all residents and applicants for living space. However, having dealt with these nuances, the opportunity will open to privatize housing and become its full owner.

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User rights

The authorization form on the FXamo web portal is identical to the authorization form for other intermediaries. The presented office is a new organization of the charlatan group: Timatrade, ImcFx, KeyOnCapital, ForexIm, FxBase, Rickglobal, Cryptoks. They duplicate the same resource. They also completely copy the text of regulatory documentation regulating relations with users.

At its discretion, the office can ask to transfer additional money, and the trader must do this within the specified time frame. Otherwise, the organization has the right to close his trading manipulations.

The FXamo representative will be able to receive the trader’s personal data and creditworthiness information from third parties. In addition, the Company has the right, without prior notice, to present them to its employees, service providers, and other offices that are part of the Organization’s group.