Advance payment system for communication services. Credit payment system from Rostelecom - what is it? What is the service "Auto payment"

One day, before that, a very pleasant day, I received a letter that I owe one operator mobile communications(for three letters with eggs (c) bash.org.ru) almost a thousand rubles. And this, oddly enough, upset me.

As it turned out, it all started 3 months before this letter. In February 2011, I came to the capital of our country "to learn". Because We were almost a week, so as not to break away from the benefits of civilization, we decided to buy a modem and, accordingly, a SIM card for it. In the nearest shop they sold us a modem already connected to the limit. The price of ~ 1000 rubles for a modem and a month of Internet, we, who came from the provinces and are accustomed to high prices for the Internet, were quite satisfied. After using this device for almost a week, we successfully unlearned and passed the certification exams and went home. I put the modem in a box and threw it on the table and forgot about it.
This could be the end of it, but...

In the first days of May of this year, I received a letter in the mail, joyfully informing me that you have a debt of 988 rubles on the number 916*. At first, I tried to figure out what the number was (when I bought the modem, they didn’t even tell me what it was). But since there were no other options, I started to sin on the modem. Arriving at the local office, I was surprised to learn that they do not have access to the Moscow subscriber base and they cannot help me.
I had to go a long way:
I called the support service at 0890, where a nice young lady, not listening to my arguments, told me that, according to the peculiarities of calculating the monthly fee for MTS, if at the beginning of the month the subscriber has a positive account balance (I had 2 rubles), then the subscription fee is removed from him payment in full and I become a debtor.
Because I was still in the operator's office, I asked the employees for a contract for the provision of communication services. After reading the paragraph about the advance payment system that I had, I asked the girl to explain how the “minus” on the account correlated with this system. But, despite my quiet, calm voice and polite address, the girl, not finding any other explanation except for the “characteristic of writing off the subscription fee,” hung up.
I had to ask for an application form and state my claims in writing. In my claim, I referred to the same clause of the agreement on the "advance settlement system", according to which the subscriber determines the amount of money that he agrees to allocate to pay for the operator's services.
After 3-4 days I got a call from the company, and they said: Yes, there was an error. The debt is written off to me, and my legal 2 rubles are returned to the account. And they insistently asked me to write a statement about blocking the number.

Conclusions:
1. If your account with the specified operator (for others you need to read the contract) has a negative balance, and you have an “advance settlement system”, then feel free to demand that the debt be removed from your account.
2. Even such large companies they are trying to get money from their subscribers “for a fool”.

P.s. I didn’t want to write about this case at all, but today I was pleased with another problem with this operator. What kind of problem can you read. And since I ran into her today, I can assure you that she is still slacking off. By the way, I'm already on the third stage. The next will be either blocking the number or filing an application with the court. Need to think))

update
at the request of the text of the application (I don’t post a scan from a photocopy, the handwriting is terrible):
The number indicated in the header received a letter about a debt in the amount of 989 rubles. This issue uses the advance payment method. In accordance with the contract (rules) for the provision of services, namely clause 12.2, I consider it unacceptable to write off funds in a "minus", i.e. transferring me to the credit method of payment. I ask you to block the indicated number, returning illegally deducted funds to it.

Photo from delate.info

MTS subscriber, from whose account 63,000 rubles were debited. for using media content, paid off the debt in order to stay in touch, and then demanded a refund. In his opinion, he could not have gone into such a minus, since an advance payment system works at the selected tariff. And MTS lawyers in court recalled that the subscriber was obliged to independently familiarize himself with the conditions for the provision of the service he had chosen, and the operator had the right not to restrict access to additional services if the subscriber actively consumed them.

In May 2013, Mikhail Gorodnev bought an MTS SIM card with the "RED Energy" tariff, which had an advance payment system. Network access was terminated when the balance was zero. For more than a year, he actively used the received number, until the operator gave an unpleasant surprise: on September 8, 2014, almost 63,000 rubles were debited from the subscriber's account for using the voice content service in July 2014. The next day, the plaintiff paid off the debt, as he was conducting working negotiations from this number and had to stay in touch, and on September 24 he applied to MTS with a claim, demanding the return of illegally debited funds. On October 10, the operator refused it, and on December 18, Gorodnev filed a lawsuit with the Tagansky District Court (case No. 2-1248/2015). The subscriber asked to recover 62,676 rubles, illegally, as he believes, written off from his personal account, as well as 31,377 rubles. on account of a fine for non-satisfaction with the requirements of the consumer on a voluntary basis.

He believes that the operator illegally, in violation of the provisions of Art. 161 of the Civil Code of the Russian Federation (transactions made in idle writing) entered into an agreement with him to open a credit line. No one asked Gorodnev's consent to this, Required documents were not requested, he was not acquainted with the terms of the service, the credit limit was not set. If such an agreement was not concluded, then, according to the plaintiff, there is a violation of the conditions of the advance billing system, according to which only the funds paid in advance by the subscriber are spent (according to clause 43 of the Rules for the provision of mobile services), and if you try to go negative, the number is blocked which avoids accounts payable.

Judge Elena Podmarkova clarified the conditions under which subscription agreement. The plaintiff once again explained that the billing system was advance. It, unlike credit, does not allow the subscriber to go into the red.

Therefore, a credit line, especially with such a large amount, could not arise in principle, - he finished.

What specific clause of the contract was violated? - continued to question the judge.

The plaintiff, hastily leafing through the contract, a copy of which was kindly handed to him by the defendant's representatives, who did not want to introduce themselves, found in the appendix to the contract, where the tariffication conditions are indicated, the phrase " federal number, advance payment method".

Gorodnev believes that his case is similar to what was considered on February 18, 2010 in the Arbitration Court of the Magadan Region (No. A37-91 / 2010), according to which Mobile TeleSystems OJSC was fined 30,000 rubles. for the provision of additional services without the consent of the subscriber.

About what additional services was discussed this time, explained the representative of MTS. It turned out that the plaintiff paid about 63,000 rubles. for the access to the media library of CJSC "Audiotele" ordered by him. The website of this company published full list mobile numbers by making a paid call to which the subscriber can receive this or that information - from entertainment stories to weather forecasts or medical advice. It turns out that he pays for this content, and MTS in this case only delivers it to the subscriber. According to the lawyer of MTS, the plaintiff disputes the transfers to two numbers of "Audiotele", where he made calls. On one of them, the tariff was about 119 rubles per minute, on the other - about 108 rubles per minute.

The defendant's representative believes that the subscriber, before using any service, is obliged to independently familiarize himself with the conditions for its provision, as stated in clause 8.2 of the Rules for the provision of MTS communication services. The calculations are based on the readings of special certified equipment, so the probability of an error in the calculations is minimal. According to them, for the specified period of time the subscriber "consumed" 769 minutes, of which 579 he spoke on paid numbers "Audiotele", and another 190 went to long-distance communication. As a result, the debt amounted to about 66,000 rubles, but in July Gorodnev paid about 4,000 rubles for communication services, and received an invoice for the rest only in September.

The lawyer drew the attention of the court to the fact that in this case the settlement system chosen by the client - advance or deferred payments - does not matter.

The contract provides for the possibility of formation of such debt, - she explained. - Clause 5.4 says that the operator has the right not to restrict access to additional services in case of their active consumption by the subscriber.

Yes, indeed, you used all the indicated services, - Podmarkova stated, leafing through the file.

Listen, I made calls from my number, but with this billing system, such a debt could not arise, the plaintiff continued to insist.

Representatives of the defendant said that since the services were rendered, the plaintiff paid for them, the loan agreement was not concluded with him, which means that there can be no talk of any violations of the law. The judge also did not find anything illegal in the actions of the operator and denied Gorodnev's claim.

You can pay for the services of Rostelecom different ways- the usual advance payments and a new type of payment - a loan payment. Many users have not heard of the new kind settlements, and confuse it with the long-familiar Rostelecom deferred payment service. In some ways they are a little similar, but there are also significant differences.
In this article, we present to your attention detailed description this service. Consider the main features and conditions for replenishing the subscriber balance in this way, as well as the subtleties of connection.

Article content

• 1 Description and features of the new type of payment
• 2 The difference between an advance payment and a credit
• 3 Connecting a credit system for paying for services
• 4 Conclusion

Description and possibilities of a new type of payment

How many Rostelecom subscribers pay for services? That's right, in advance, even before the end of all the funds on the account of a particular service, and if this is not done in time, then it will be blocked until the money arrives at the client's subscriber account.

What does Rostelecom propose to change in the settlement system? The company offers to renew its subscription agreement from an advance payment method to a credit one, that is, first use the options, and only then pay for them upon use. This is an innovative solution. Until now, such calculations are not carried out in any other company supplying telecommunications services in our country.

This does not mean at all that it is necessary to draw up an agreement for the provision of a consumer loan in any banking organization so that you can pay the supplier out of the funds issued, no.

Rostelecom itself credits its subscriber, that is, replenishes his account. But, as for any other loan, so for this one, the client will be charged an interest rate based on the amount and term of the loan.

The sooner the client can pay off his creditor, the lower the interest rate will be. And the repaid debt on time will enable the user to take advantage of lending again, that is, to use the supply of mobile communications, iptv, the Internet when the account is completely reset, but the connection will still be supplied in full.

The difference between an advance payment and a loan payment

If the first option involves fully paying for the use of all options in advance, that is, before the moment of use, then according to the credit scheme, the opposite is true - the client will pay for what he has already used at the time of settlement, usually this is the 20th day of each month. And only if the payment is not received on this date, interest will accrue on the amount of the debt, otherwise the rates will be normal, as indicated in the service agreement.

With this type of payment for services, the client's opportunities are expanded with a zero and even a negative balance, because he will be supplied with services, as before, in full.

Not everyone can use this system, but only subscribers whose experience exceeds 60 days, and the amount of replenishment is more than 200 rubles per month.

Connection of a credit system for payment for services

Probably, many have noticed that with a zero or even negative balance, access to the Internet is blocked, and on the screen you can see an interactive form of payment that works even when the delivery of services is blocked. So, the client is offered 2 options - either to replenish his account, or to arrange for the inclusion of a credit payment method. If at the moment there are no funds on the card, then the second option will be preferable. By agreeing to the terms of the company, and accepting them in a separate field by checking the box, the subscriber immediately has access to all interactive services.

The same option is also available when you personally contact the sales office - you will need to present an identity card of the owner of the contract for the supply of communications, and submit an application about your desire.

You can also activate this payment method on the personal account page in the appropriate section - just select a credit system, agree to all the conditions, and send a request to the provider.

Conclusion

This is a great way to stay in touch if there are not enough funds on the day of settlement. But do not forget about the timely replenishment of your balance, even if on a credit basis - otherwise the provider will have to charge interest on the amount of the debt, and this is a completely different amount.

Rostelecom has introduced a single account for all customers, regardless of the number of services consumed by the operator. Now subscribers are billed for all services, which are combined on the basis of a single identifier - a new personal account (abbreviated as NLS). NLS is a digital combination assigned to the user and accumulating all communication services that he has connected. With its input, the subscriber can pay them in a single amount. NLS can be found from your account, in a single personal account or by calling 8-800-100-08-00.

At our request, the Deputy Director of the North Ossetian PJSC branch Rostelecom on work with the mass segment Marat DZAKHOV:

The appearance of a new personal account made it possible to introduce a single simplified payment scheme for services throughout the country: a single button "Rostelecom - pay simply" appeared in self-service devices. With its help, you can make a payment at ATMs and terminals as quickly as possible, literally in three clicks. It has also become easier to pay for services in any region of Russia: for example, to replenish the personal account of parents or children who live in another city. Prior to the introduction of these changes, for a payment, the client had to make consecutive whole line operations: select a region, service, specify a personal account or phone number. Now enough NLS.

How can a subscriber find out information about their current tariffs and their cost, as well as about debts for paying for services?

This is done in the following ways: on the rt.ru website; in a single personal account (ELK) at: lk.rt.ru; by calling 8-800-100-08-00 or at any office of the company. easy way find out information about the debt - subscribe to receive an invoice by e-mail.

- What is the difference between an advance payment scheme and a credit one?

With an advance payment system, at the beginning of each month, the subscriber must have enough money on his personal account to continue providing communication services. With a credit scheme, he has time to pay the resulting debt. At the same time, it must be remembered that in the absence of payment:

Shutdown of IPTV services is carried out on the 90th day;

Disabling broadband access services is carried out in stages, on the 90th day there is a speed limit to 64 Kbps, and on the 180th day - a complete blockage;

For the fixed telephony service, intercity/international and intrazonal communications are blocked on the 90th day (i.e., the familiar "eight" is turned off), and local communication services are completely turned off on the 180th day.

- What conveniences does Rostelecom offer subscribers besides the new personal account?

Currently, the company has organized the distribution of SMS alerts for its subscribers. Such mailings inform customers about the replenishment of the account or the end of the promo period; new subscribers receive information about the availability of technical feasibility of connecting services. You can activate the SMS notification service in the ELC (the service is free).

The company also recommends that all its subscribers switch to an electronic account. It allows you to detail charges by type of service. The newsletter is sent from the 5th to the 7th of every month. An electronic invoice does not depend on the location of the recipient, it is easy to store it, and it is easy to control payments with it. You can also switch to an electronic account in the ELC by entering your e-mail.

- How is the fee charged for each of the services: television, Internet, landline phone?

Daily billing of consumed services is made according to the selected tariff plan. All data is displayed in one receipt, with the exception of services provided under different service schemes (credit / advance). In this case, the subscriber receives two receipts (two electronic bills).

- What additional charges should not be forgotten?

You should always remember about the additional services that you have connected or use. This can be the purchase of an additional package of channels or a video rental service, rent and sale (installment plan) of equipment, antivirus, etc. In this case, all services will be reflected in one receipt.

- What are the payment methods for Rostelecom services?

Non-cash payments: rt.ru website, unified personal account, mobile personal account, auto payment, Sberbank-online, payment systems (from the websites of payment companies), mobile payments. This is a separate topic for discussion, in the near future we will talk about all remote services in more detail.

Cash payments: in the sales and service centers of the company.

Addresses of cash payment points in the republic:

G. Alagir, st. Alagirskaya, 127;
- Ardon, st. Proletarskaya, 81;
- Beslan, st. General Pliev, 19;
- Vladikavkaz, st. Kirova, 47;
- Vladikavkaz, pr. Kosta, 75;
- Mozdok, st. Kirova, 78;
- With. October, st. P. Tedeeva, 135;
- With. Elkhotovo, st. Zortova, 1.

- How to simplify and combine the process of paying for several services?

If the subscriber consumes the services of access to the Internet or Interactive TV network in addition to telephony, the company recommends that he switch to a credit service system and pay for services via NLS. All payments are credited quickly on-line.

- What should the client do if he does not agree with the invoice?

You can clarify information on the invoice on the website rt.ru in the section " Feedback»; in the on-line chat of a single personal account; by calling 8-800-100-08-00
or leaving a statement at the office of the company.

- What is the "Promised Payment" and how to use it?

If the subscriber is on the advance payment system and it is not possible to make a payment for Internet access services, he can use this service and delay it up to 5 days. You can activate the Promised Payment service on your own in the ELC, or by contacting Rostelecom specialists by calling 8-800-1000-800.

- What is the "Auto payment" service?

This is a very convenient payment tool. This functionality allows you not to worry about disconnecting communication services. You can set it up in the ELC or through the Sberbank Online service.

- Can tariffs change without the knowledge of the subscriber? How to find out about their change in time?

Any change in tariffs for communication services is published on the company's website rt.ru. We recommend that subscribers register with the ELC in order to be aware of their own tariffs and their possible changes.

What is the benefit of a subscriber who becomes a consumer of several Rostelecom services (TV, Internet, telephone)?

Today, the company's product offerings are formed in such a way as to stimulate the connection of a full range of services from a single operator. First of all, it is convenient for the subscriber himself, as it allows you to pay for services “in one window”, saving your time. Also, the choice of package offers from one operator allows you to significantly save money for customers due to the discounts provided.

Package offers are, firstly, significant savings on subscription fee, secondly, free additional services as bonuses and, thirdly, just convenient. The client receives a full range of services from one operator.

In 2012, Rostelecom informed its subscribers that it was introducing such a calculation option as the Credit Payment System. This type of payment allows you to keep access to the service with a negative balance and receive a financial deferral for a certain period of time.

What is a credit system

Users of services from Rostelecom connected to plans with unlimited tariffs, have the right to choose a payment system suitable for them, with advance or credit payments.

To determine the most convenient option, you should take into account the features of both payment systems. Advance is characterized by:

• that the payment is made as an advance payment for services;
• that access to the service is blocked at zero balance.

The following conditions of work are distinguished in the credit system:

• the amount for the already provided service is paid (the settlement day is the 20th day of the next month);
• with a negative balance, access to services remains open.

The main difference between the two systems is access to the service or its absence in case of insufficient funds on the subscriber's account.

For what services is a loan from Rostelecom provided?

Rostelecom subscribers can pay on credit and use, with a negative balance, such types of services as:

• home telephony;
• access to the Internet;

Make calls at fixed rates, use the Internet and television services without having enough Money, became possible thanks to the deferred payment settlement system. You can switch to this payment option at any convenient time.

If money is not deposited in set time, then the subscriber is automatically recognized as a debtor to the telecommunications provider that supplies the services. After that, the user will be disconnected from the service until the funds are credited to the operator's account.

Attention! Resuming service may take several days. Often this is due to the physical disconnection of the customer's equipment from the line.

How to use the credit system for paying for Rostelecom services

In order to connect to the credit payment system, there are several options:

• you can use a special interactive tab that opens when you enter the Internet. On the page, you must select a window with information about the possibility of connecting a credit calculation system and agree to the terms of the service;
• if you want to get personal advice on switching to a credit calculation, you can contact the sales and customer service center of Rostelecom, where a specialist will familiarize you with the details and provide an application form that must be filled out to make the transition to a credit payment system;
• You can send a connection request through the provider's portal or the service management system in the subscriber's personal account.

After going through the transition process to new system settlements with the operator, the client will be transferred to a credit payment for services provided by Rostelecom.

If a Rostelecom subscriber needs to maintain access to the service during financial blocking, and there is no possibility to replenish the account, such an option as taking a service on credit will be the best solution to the problem. The payment system has a number of advantages, but do not forget that when it is connected, the client automatically has a debt to the operator, which will be needed on time in order to avoid blocking and charging penalties.