Business always combines business acumen and risk. Hence, all
instruments for development and extension of business are risky
including credits for property purchase, company development etc.
Though, there are sound risks and immensely crime-related risks. One of
latter risks comprises loss of a going concern due to a raider attack,
loss of management or any other scheme.
Now, we shall review two absolute
real situations that occurred one after another.
Situation No 1
Negotiations resulted in a covenant theoretically providing
the bank with risk insurance and ensuring development of the going
concern. In particular, a bank's officer has joined the founders of the
company being the owner of a property. You remain the Director of the
And once upon a time which does not seem enjoyable you find that you are not the director any more. The founder (the mentioned bank's officer) dismissed you and the going concern which you do not manage any more has stopped to pay back the credit.
You have the following: the credit is not repaid, and you are
deprived of the building which goes under the bank's ownership. One of
the founders of your company is also the bank's officer, and you are
not the Director and an employee of the company. Sure, according to
documents the building has not been purchased at its true price.
Therefore, you won't get your money either. Finally you lose your
company, money, and property though you have not committed any illegal
actions, fulfilled your liabilities, and successfully managed your
company before the events.
Situation No 2
But what is happening is as follows. Due to fraudulent
actions, all the companies wherein you are a founder are documented in
behalf of other people. And these are your companies with property on
balance which you purchased and paid borrowed and your own money. Now
you are none in the companies. This is a usual output of the "black"
Next, gangs of people armed with crowbars and fitter's tools
suddenly invade into the offices of your companies. The leader of one
of such gangs produces "documents" which read that he is now the owner
of your companies. What is more, you personally transferred 100% shares
in the authorized capital to him. Sure, you may disagree and insist
that you have not transferred anything to anybody, but…
The called police withdraw while employees of a private
security firm let the raiders in. They open rooms and capture all
documents they find, including your personal papers. Also, they even
get away personal computers and car keys, absolutely
The companies that you have been deprived of and you may not
mange any more stop to pay back credits. And quite legally the
facilities being the target of credits you borrowed go under ownership
of the Absolute
Bank. You are none in the companies and may not somehow
resist capture of the property.
The answer is clear. These are absolute raider attacks.
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