It comes out very interesting. They work: 1. avoiding taxes, 2. using the accounts of unknown individuals, 3. without any contracts or documents.
Therefore, they can do whatever they want.
Let me remind you that in the absence of a contract, the deposit must be returned in full, which this institution completely ignores.
Actually, I will not leave this story just like that purely on principle.
What happens in the end I will write a little later.