The teacher offends the child in the kindergarten. What to do?

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In this article:

Why doesn't the child complain?
How to find out if your child is being bullied by teachers or children

Many children are reluctant to go to kindergarten, especially in the first weeks: they are capricious and do not want to get out of bed. This may be due to adaptation and is not a cause for concern in itself. However, if a child suddenly loses the desire to go to kindergarten after a while, he returns from there depressed or restless, and getting up in the morning turns into hysteria and panic, then it’s worth thinking about whether someone is offending the child.

If the baby can already speak and explain more or less clearly, and the parents have developed a trusting relationship with him, then it is easy to understand that the child is being bullied in kindergarten. But what if the child cannot explain or is afraid to share with his parents? Let's figure it out.

About "bad" and "good"

We specifically put this terminology in quotation marks, since handing over a car to a pawnshop is generally not the best idea. It is better to try to find some kind of bank offer secured by property. How to contact car pawn shops. But if you are already on this path, you need to know that all such organizations are conventionally divided into:

White.
Black.

Whites usually draw up a full-fledged loan agreement. After this, a separate contract is drawn up for the collateral property. After this, the car is officially entered into the register of pledges of movable property. Yes, such a thing really exists. Entering a vehicle into the register involves working with an official notary.

Since sooner or later scammers will learn to work with documents and “feed” notaries, we recommend that you conduct the entire transaction with the participation of your own lawyer. Not the one offered by the company. Namely, with the participation of a specialist whom you found on your own. So that later it does not turn out that the lawyer who was invited by the company’s employees is an interested person.

Black pawn shops operate according to a different scheme. They may offer you a purchase agreement. The signing process itself can also be filmed on a video camera or phone. In addition, in addition to such an agreement there will be another agreement. It establishes the possibility of repurchase of the car.

A small spoiler: by signing documents of this nature, you will almost 100 percent lose the opportunity to buy the car. You will only lose a lot of money. But more on that later. Such agreements are usually agreed to either by very uneducated and naive citizens, or by those who desperately need money. Fraudsters understand this very well and exploit it with all their might.

Remember you are on the same team

Treat any dialogue with teachers as cooperation. You came to kindergarten not to start a showdown, but to find out how you can work with the teacher to solve the problem that has arisen. As a rule, educators work in this area because they love young children and want them to have a good time. Educators are educational professionals, but they also have big hearts. You should see them as allies so that together you can understand what problem your child is facing and how to deal with it. Moreover, remember that caregivers also want your conversation with them to go well. And, most likely, they are also nervous. In addition, you should not deal with the problem publicly. Any issues related to your child's upbringing should be discussed privately and not in the presence of other parents, staff or children. Also, you should not discuss problems that concern only your child with other parents. Your discretion is a sign of respect for the teacher, and this will help build trust.

How is a contract usually concluded?

Usually a person goes to the official website or application and fills out an application there. The questionnaire can be quite extensive. It is based on this information that the pawnshop specialist will evaluate the primary limit for granting a loan. After this you will have to:

Go to an office or representative office.
Take the assessment.
Conclude a loan agreement.

If everything went smoothly, the funds are issued on the day the contract is signed. If the funds under the agreement are credited in 10-14 days, refuse to sign such an agreement. It is far from certain that anyone will provide you with funds at all.

The main advantage of car pawnshops is that they issue money promptly. That's it, the advantages end there and a huge list of disadvantages begins.

Yes, they don't check your credit history either. Which is a positive factor for many. Just why did you decide that such unreliable borrowers can count on normal conditions? The trick is that this is usually a person’s last attempt to improve their financial situation. And if it comes to this, then rest assured that the pawnshop will put all the risks on the loan. That's why the interest rate is so crazy. If you conditionally take out a loan secured by PTS, then in 1.5 years you will pay back a similar amount of funds in interest alone. And this is in addition to the body of the loan itself.

In normal (official) car pawnshops, 150% of the overpayment is not specified in the contract. And there are no hidden fees either. They also establish fairly flexible lending conditions. There is the possibility of early repayment (without built-in commissions and penalties). There are no hidden fees, etc. But this is ideal. In practice, of course, everything is a little different.

How to get a car back from a pawnshop?

Let's start with the issue of car use. You rented it out to a lender for parking. Will he be able to use the car? According to current legislation (Federal Law 196), it will not be able to. Therefore, check the car, its external and internal appearance very carefully. Any traces of use must be recorded immediately. Even mileage units must be recorded in the agreement with the pawnshop. The same indicator must be indicated in the transfer and acceptance certificate. The distance to the site where the car is located is also taken into account.

Before you take your car to a pawnshop you need to:

Check all technical components and assess their condition (preferably record them).
Check all the numbers and indicators (and also record them).

If you sign the acceptance certificate, then you automatically relieve all responsibility from the pawnshop. Therefore, do not rush to sign documents. First, check everything and make sure that the car is in its original condition.

Legislative regulations

The main regulatory legal act is the same 196 Federal Law, which regulates the activities of pawnshops as a separate phenomenon. Another regulation was given:

Civil Code of the Russian Federation (under the first part, article 209).
51 Federal Law.

The laws clearly state the basic rules for working with property that is given to a pawnshop. For example, if you do not repay the loan in full on time, then from the moment of delay you are given another 1 month grace period. The car pawn shop has no right to increase the interest rate during this time. It is forbidden to drive vehicles to other parking lots, demand payment for parking, worsen the conditions of maintenance, and even impose a fine.

The law also establishes a 2-month period for storage contracts. True, under a storage agreement, the pawnshop can already demand compensation for costs. The client can extend the cooperation agreement; in practice, pawnshops usually try to avoid such extensions.

Yes, the pawnshop does have the right to sell the property in case of non-repayment of the loan. This is regulated by the same 196 Federal Law. But everything was regulated there. To the point that the pawnshop employees do not have the right to sell the car to some Vasya from the next street. The vehicle can only be sold through an auction or any other type of public auction. The law establishes the relevance of this rule if the value of the property exceeds 30 thousand rubles. In most cases, the car passes this requirement by default.

Many pawn shops recommend that the client insure the car. This is packaged into a separate service, which can increase the interest on the loan. Or is it required as a separate payment? The irony is that they have no right to do this. Federal legislation clearly establishes the obligation to insure pawnshop collateral. Roughly speaking, they must insure the car at their own expense. And for the period while they have the car. It is generally prohibited to transfer insurance to the borrower. This is about manipulation based on ignorance of current laws.

But that's not all. Some people try to blame vehicle damage due to improper storage on the owner. Roughly speaking, the person did not want to purchase additional VIP storage services, that’s his problem. And the fact that the paint has started to peel off the car after only 4-5 months of storage is also a problem for the borrower. After all, he “such a bastard” did not take the VIP storage service.

In fact, it is appropriate to refer to Article 358 of the Civil Code. The lender bears financial responsibility (full) for damage or loss of the car. Responsibility for improper storage of the vehicle falls on the car pawnshop, and not on the borrower.

The first rule: never sign the acceptance certificate without inspecting the car. By signing such a document, you release any potential claims and liability of the pawnshop. And then it will be problematic to prove something in court. It is better to prevent this problem in advance than to bother with the courts later.

Why do children need kindergarten?

At the age of 2.5-3 years, any little person begins to understand that there are other people besides him. This is a natural stage of learning about the world around us. It is precisely at this age that the toddler’s first “separation” from his mother and his first steps into the children’s group take place.

Kindergarten is a necessary stage of psychological adaptation and a condition for the harmonious development of children. There is no way without him. And so our children, like little “cubs”, spin, scream, squeal, play, push each other and thereby learn to survive in their “pack”. In kindergarten, children learn to interact with other people - not only with children, but also with other adults.

Kindergarten - a small flock

When kids get into a children's group, they begin to unconsciously compare themselves with other children, notice their advantages and disadvantages. All these are natural stages of observation, only at the level of sensations. And so they may notice that another boy is tall or short in height (weight), has protruding ears - or in general that he is a coward. And sometimes children tease and offend the little one because he is sloppily dressed.

All children are talented in their own way - we focus on their strengths

Nature has endowed each child with its own talents and abilities. A talented athlete, businessman, or engineer can grow from a nimble hurryer. From a diligent and thorough kid - a future scientist. And a universal talker and favorite can develop into a brilliant speaker or humorist. In kindergarten they all learn to interact with other people. And it is important to give the correct load for the properties of each vector and teach the children to cooperate with each other.

Of course, we want the teacher to pay attention only to our foolish child and make sure that he is not oppressed. But there are many children in the group, each with their own characteristics. And here parents can give a hint - through ordinary educational conversations with their child.

At the same time, the conversation with the preschooler should be calm, without unnecessary dramatization and “hand-wringing” on the part of the mother. Try to understand the whole situation from the baby’s story. At the same time, you need to understand that the child gives you only a glance through his feelings. He is not able to see the picture from the outside.

Therefore, if you realize that he is being offended for some external manifestations, try to level them out.

For example, carefully dress the child, clean his nose. But if suddenly this is ridicule of his mental characteristics, try to clearly give him a feeling of your unconditional love and support. And justify the other kids, let’s say: “they just don’t understand that you are special.”

Gently ask him - does it happen that he offends someone? It does not happen that it is convenient for everyone and does not harm anyone.

If you offer your child a role-playing game “in kindergarten,” you can carefully observe what exactly is happening in the children’s group. How the teacher behaves, what the group plays. Why they are scolded and what they are encouraged.

And the reasons for offending another can be very different. They can be obvious or hidden from the eyes of adults.

The refund deadline has not passed, but the car was resold

This is a direct violation of the law. Even if it is stated in the contract. Have to:

Go to court.
Recognize part of the contract as invalid.

Problems with the sale of credit cars are generally typical even for our banks. Let's look at one simple example from 5 years ago.

We have a borrower who bought a foreign car for 800 thousand rubles. He paid only 250 of them with personal funds. The person took out everything else on credit for 36 months from a banking organization. Naturally, the bank provided a condition under which the borrower could not sell the car until the end of the contract. Those. until the loan is repaid in full. If such a condition was violated, the bank could issue a demand for early repayment of the entire loan.

The borrower did not care about the established requirement. He simply sold the car to another person. He, in turn, registered the car as expected, and even took the original PTS. And this is where the fun began.

The bank finds out about the transaction and makes a demand for payment of the debt through the court. An additional requirement will be the return of the car from the second buyer. To pay off debt.

The irony is that the second buyer did not know about the loan. He tried to invalidate the collateral agreement. Filed a corresponding claim. The court of first instance satisfied all the bank's demands. The car was taken away. The second owner's claim was denied.

The appeal took a different route. According to Article 352 of the Civil Code, the pledge is interrupted after the acquisition of property by a person who does not know about the encumbrance.

The fun was just beginning. Because bank lawyers reached the Supreme Court of the Russian Federation. There the act of appeal regarding the collection was canceled. The conflict went into a second circle.

We gave this example for a reason. Because even in the situation with banks and seemingly official lending, different courts made diametrically opposed decisions. Some decide to repossess the car (even though the buyer did not know about the collateral, loans, etc.). The traffic police calmly registered the car. The appeal restores “justice” by annulling the requirement to seize the car. But then the Supreme Court steps in and returns everything to normal. But with additional explanations.

Now imagine what will happen in a situation with a pawnshop. Yes, the legislation clearly sets the rules. But they can sell your car even earlier, hoping that you simply won’t get to court.

Cheated at a car pawnshop with the price of a car

To prove this, an independent assessment will have to be carried out. Let's say right away what you need:

Look for appraisers from another entity.
Prepare to challenge decisions at first instance.

By the way, the court may not take into account your independent assessment. They will always have the opportunity to conduct their own assessment, which will be taken into account in the process of resolving the conflict.

Recovery of damages from a pawnshop will have to be supported by evidence. A professional lawyer can help you with their collection and legalization. Let's just say this process is not the fastest. Especially if the resolution of the dispute with car pawnshops takes place somewhere in the deep provinces. Where a car pawnshop can be “tied up” with other parties to resolve the conflict. Therefore, prepare for appeals. Issues are usually not resolved in any other way in Russia. But you need to defend your rights.

What to do if a child is bullied in kindergarten?

To begin with, look not for external reasons, but for internal ones. Perhaps not everything is going well in your family? If you often raise your voice at your child or use physical violence against him, the child may become aggressive or, on the contrary, withdrawn. Such children do not know how to behave in society, are afraid to express their opinions, and depend on the opinions of others. People around them sense self-doubt very well, so they choose such a child as a “whipping pillow.”

Pay attention to the child's appearance. Children often offend unkempt and unkempt children. Pay attention to the general appearance of the child, take him to the hairdresser on time, and trim his nails. Take a closer look at the clothes - perhaps the child needs to buy other things.

If a child is bullied in kindergarten because of some defect, try to eliminate it. Ugly ears can be hidden with a suitable hairstyle. If the child is overweight, consult a doctor. A speech therapist will help eliminate speech defects.

Sometimes a child is physically less developed than his peers, and therefore he is bullied in kindergarten. In this case, playing sports will help you - swimming, wrestling, hockey, gymnastics, and so on. If it is impossible to correct the reason why a child is bullied in the garden, then what should be done in this case? Teach your child not to pay attention to offensive words or respond in the same way. For example, “So what if I wear glasses?” By responding in this way, the child will quickly get rid of the offenders; they will simply not be interested in hurting him.

Advise your child not to cry because of the offenders. If he cries, he will be constantly offended.

You can buy your baby beautiful clothes and a modern toy, which is popular among children. Let the baby take it with him to the garden - the guys will probably make friends with him.