a financial pyramid appears every few years in ukraine. it invariably collapses, after which crowds of deceived depositors cry with tears in their eyes “oh, too much! everything is lost!". then there are scandalous proceedings, criminal proceedings that rarely end in a conviction, demands on the state to prohibit such fraud, etc. when the intensity of passions subsides, everything is repeated again. started with mmm, came to b2b jewelry. the circle has closed ...
for a week now, the media have been discussing news about searches and the presentation of suspicions to the organizers and accomplices of the b2b jewelry pyramid. it is fashionably called not a pyramid, but a scam project.
according to the sbu, the pyramid has been operating since 2019. during this time, $ 250 million was “withdrawn” from 600 thousand depositors. this money was used to purchase one of the islands of the dnieper cascade along with real estate; 18 luxury suvs, each worth more than $ 100,000, real estate, jewelry and other property.
the famous lawyer evgeniy grushovets decided to play sherlock holmes and specifically became a member of the scam project to expose the swindlers. he says that together with a colleague he bought a “gift certificate” for uah 1,000. under the terms of the "golden project". for such "passive investments" they should have been charged 8% of the amount weekly (which is 416% per year).
these funds had to go to a personal account on the official website of b2b jewelry, and from there they could be transferred to a bank card. also, according to store consultants, the certificates could be exchanged for jewelry from the lodyzhenskaya charm factory.
with the onset of quarantine restrictions, payments stopped, transfers to the card also stopped, and the exchange for jewelry was frozen. hrushovets filed a complaint with the police about fraud.
it turned out to be difficult to initiate a case, since no checks were issued when buying a certificate. it was also impossible to pay with a card. only in cash in any currency. but he got his way. the case is still dragging on and does not overlap with the investigation carried out by the sbu - these are two parallel criminal proceedings
it was not easy to initiate a case, since no checks were issued upon purchase of the certificate. it was also impossible to pay with a card. only in cash in any currency. but he got his way. the case is still dragging on and does not overlap with the investigation carried out by the sbu - these are two parallel criminal proceedings.
it cannot be said that citizens were not warned. in early march, denis bigus made a report on how b2b jewelry works. showed how cash is taken out of jewelry stores in plastic bags. maybe the notorious grandmothers have not seen this reportage, but the bulk of potential contributors are not so naive.
for the completely dull, the national securities and stock market commission in may 2020 stated in plain text that the b2b jewelery project "has signs of doubtful." the nktsbfr considers it to be a means of illegal appropriation of funds and therefore turned to law enforcement officers. but the pyramid lived on until it was covered by the sbu.
in my opinion, talking about the financial illiteracy of the population and total naivety in 2020 is not worth it in principle. yes, there were times, in the dashing 90s, when people, accustomed to the stability of the soviet "savings bank" and lost from the loss of savings, did not know how to save the remaining money from hyperinflation.
they were helped by dozens of so-called trusts, which appeared after the decree of the cabinet of ministers “on trust companies” dated 17.03.93, no. 23-93. they existed for about two and a half years, collecting from gullible citizens $ 241.5 million and 2.8 trillion. karbovanets (temporary currency).
the most famous in ukraine are the "mercury" seeds of yufa, which promised 8000% per annum and collected $ 25 million. yufa left for israel after the collapse of the pyramid, and returned to ukraine a few years ago.
"honorable" second place in terms of material damage is taken by the non-state pension fund "amulet" - 2.8 trillion. karbovansev. in third place is the "ukrainian house of selenga" - $ 13 million. then there are all sorts of "alcor-trust", "cue-trust", "xen-trust" and others.
in fairness, it must be said that the pyramidal disease in the post-soviet space in the era of primary accumulation of capital struck all the countries of the cis and, first of all, russia. and from there the "infection" spread to us.
pyramid # 1, of course, is mmm, organized by the late programmer sergei mavrodi together with his wife and brother in 1993. the funny thing is that the company even registered the issue of its shares. on february 1, 1994, they went on public sale quite officially. price - 1000 rubles ($ 0.65 at that time).
самое смешное, что в то время, когда в москве шел суд над мавроди, в украине расцвел «собрат ммм» – совместное предприятие чернокожего пастора сандея аделаджи и американца робрета флетчера king's capital. пирамида обанкротилась в 2008 году. за это время было собрано, в основном с прихожан церкви посольство божье, пастором которой был аделаджа, $180 млн.
текущий курс акций мавроди определял сам. за первые шесть месяцев он вырос в 127 раз. в пирамиду удалось завлечь 15 млн. вкладчиков, в первую очередь благодаря знаменитой телерекламе с леней голубковым. подсчитать собранные деньги точно не удается до сих пор. по мнению прокуратуры, общая сумма составляла около $110 млн.
как рухнула ммм? очень просто. в один момент, а именно 28 июля 1994 года, во всех пунктах практически одновременно прекратили выдачу денег, а ее основатель объявил, что курс акций возвращается к изначальной тысяче рублей.
спустя неделю мавроди арестовали по обвинению в уклонении от уплаты налогов. уже будучи в тюрьме он ухитрился стать депутатом госдумы. вышел на свободу и... пропал. его объявили в международный розыск. считалось, что мавроди сбежал из россии, однако в 2003 году, когда его нашли, выяснилось, что все это время он спокойно жил в московской съемной квартире по фальшивому паспорту.
суд над мавроди продолжался до 2007 года. его признали виновным в мошенничестве и приговорили к 4,5 годам колонии. почти весь этот срок он провел в сизо, поэтому в том же 2007-м мавроди освободили. при этом куда делись деньги осталось загадкой: при обыске официально ничего не нашли, а мавроди так и не признался, куда он спрятал несметные сокровища. обратите на это внимание.
самое смешное, что в то время, когда в москве шел суд над мавроди, в украине расцвел «собрат ммм» – совместное предприятие чернокожего пастора сандея аделаджи и американца робрета флетчера king's capital. пирамида обанкротилась в 2008 году. за это время было собрано, в основном с прихожан церкви посольство божье, пастором которой был аделаджа, $180 млн (!).
отшумел скандал с king's capital и через три года... возродилась ммм. в 2011 и 2012 годах мавроди снова начал привлекать людей в одноименную пирамиду, продавая квазивалюту «мавро». в 2012 году новая ммм появилась и в украине. называлась она «легионеры ммм» и обещала вкладчикам доход 753% в течение полугода, а также выплату задолженности ммм-2011.
последний проект мавроди в 2016 году – «ммм глобал» предлагал делать вклады в криптовалюте под высокие проценты. он собрал уже немного вкладчиков. но просуществовал до самой смерти мавроди в марте 2018 года. как известно, он был госпитализирован с автобусной остановки на улице поликарпова в москве. жаловался на слабость и боли в области сердца. «скорую» ему вызвал случайный прохожий. сокровища снова не нашли.
mavrodi, of course, is a unique example of a genius swindler who managed to enter the same river four times. and here it is no longer possible to say that his clients were not armed with information and did not know what to expect.
in the same way, i doubt that large companies, a lot of famous people, high-ranking officials and even representatives of the us intelligence services, who have invested in bernard madoff's company for many years, did not suspect the trick.
but this is not what interests me, but where does the money collected by financial swindlers disappear to? it is not by chance that i draw the attention of readers that mavrodi's money was not found. not the first time, not the second, not the fourth. in the history of b2b jewelry, we read a list of purchased property, but lawyers say that it will be extremely difficult to prove it belongs to the organizers of the pyramid
the madoff investment securities fund has existed for 15 years, giving its vip-investors a small, by our standards, but sensational for americans yield of 12-13% per annum. now this project is called "the greatest pyramid in the history of the united states", although it was not a pure pyramid.
everything collapsed during the 2008 crisis, when a number of large investors turned to madoff with a request to return their funds and interest in the total amount of about $ 7 billion. the fund could not pay such an amount. it turned out that madoff owed his clients more than $ 65 billion. the author of the scheme was brought to justice by his own sons, in exchange for not being charged. he received 150 years in prison and is still in prison. cooperation with justice was not good for children: the eldest son, mark, hanged himself in his apartment.
both the american investors of madoff, and the clients of the last three pyramids of mavrodi, and the current buyers of "gold certificates" of b2b jewelry are not victims in the literal sense of the word, but losers.
according to psychologists, they fall into two categories. some are players in life who do not care how to tempt fate: at roulette, in a "bet match", in a financial pyramid. the second are calculating sly ones who consider themselves smarter than others. they hope to get in first, manage to get their "advertising" super payments and hit the road before the financial structure collapses and crushes the wingers in line for happiness.
but this is not what interests me, but where does the money collected by financial swindlers disappear to? it is not by chance that i draw the attention of readers that mavrodi's money was not found. not the first time, not the second, not the fourth. in the history of b2b jewelry, we read the list of purchased property, but lawyers say that it will be extremely difficult to prove that it belongs to the organizers of the pyramid. almost everything is registered in the name of dummy "respectable" persons who have no formal relation to fraudsters.
i also can't believe that a certain nikolay gonta from lodyzhin (this is such a town in the vinnytsia region) and his unknown associates managed to open about a hundred jewelry stores in ukraine, russia, kazakhstan and even hungary (though they were quickly closed there) ...
more plausible to me seems to me the opinion of experts that all the formal creators of the pyramids are tame bees of some power structures, who patiently wait until they collect honey, and then swat. and the honey dissolves. more precisely, it is quietly eaten by those behind the scenes.
maybe that is why all attempts to introduce criminal liability for organizing or facilitating the activities of a financial pyramid, which have been undertaken since 2013, were absolutely unsuccessful?