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The most creative approach to obtaining a bank loan
The story of the week: getting the mail credit card offer, Voronezh resident agreed, but sent back its version already dogovora.Istoriya Voronezh, who at the conclusion of the contract with the bank "Tinkoff Credit Systems" entered their items in small print, the Internet exploded.
Can you imagine that one day, taking a loan, it will not pay you the bank, and the bank - you? Moreover, the amount you receive will be in the tens or even hundreds of times more than the amount you took? Dmitri Alexeev, 42-year-old resident of Voronezh, did what many dream. And the court has sided with him.
Probably not a man who would not be annoyed that the most important items in the contracts are always written "fine print." But knowing about it, over and over again, many people sign papers without reading them carefully, and pay the Commission, which had no idea.
A resident of Voronezh found an ingenious way to turn this feature in its favor and is now using inattention bankers is going to sue them 24 million rubles.
In 2008, a resident of the regional center has received from JSC "Tinkoff Credit Systems" letter with a proposal to use a credit card. For its design had to fill in an application form and send it to the specified address.
Voronezh resident scanned form and changed the terms offered by the bank, in the same part of the small print. He pointed out that the interest rate on the loan and the commission for cash withdrawal are 0%, and the "client has the right not to pay all commissions and fees, provided the tariffs." In addition, instead of the address of the bank www.tcsbank.ru Voronezh resident have your site www.tcsbank.at.ua, affirming that" with the current General terms and tariffs placed on the Internet, is familiar. " In other words, he prescribed for himself unlimited and free credit.
Separately, in the contract were provided on its website if the bank violated the terms of the document. "The Bank has no right to make changes and additions to these General Terms and Conditions unilaterally. In the case of changes, additions, substitutions, the General Conditions unilaterally by the Bank, the Bank shall pay compensation to customers in the amount of 3 000 000 (three million) rubles for each regular modify, supplement or replace the General Conditions "- said the client. Compensation from the Bank terminate the contract unilaterally was set at 6 million rubles.
Soon legally savvy customer has received from the bank a copy of the approved application forms and credit card. This meant that the bank agree on the proposed terms. Apparently, the bankers have signed the document without reading, without knowing that the client offered them their own terms.
Bank unilaterally terminated the contract with the Voronezh in April 2010, since, according to TCS, the client began to avoid the delay of payment of the minimum payment. Two years later, ZAO "Tinkoff Credit Systems" filed a lawsuit to recover from the former client standard delay, commissions and penalties. Voronezh resident, paying only the principal amount of 19 thousand rubles, filed a lawsuit claiming the bank with 24 million rubles as compensation for infringement claims credit agreement entered into on his terms.
Now Voronezh has a good chance to win a lawsuit against the bank. Not least because, earlier court upheld an agreement made by the parties.
He has already won in court the right not to pay the interest and penalties that were trying to recover from it.
via # image16993860
Can you imagine that one day, taking a loan, it will not pay you the bank, and the bank - you? Moreover, the amount you receive will be in the tens or even hundreds of times more than the amount you took? Dmitri Alexeev, 42-year-old resident of Voronezh, did what many dream. And the court has sided with him.
Probably not a man who would not be annoyed that the most important items in the contracts are always written "fine print." But knowing about it, over and over again, many people sign papers without reading them carefully, and pay the Commission, which had no idea.
A resident of Voronezh found an ingenious way to turn this feature in its favor and is now using inattention bankers is going to sue them 24 million rubles.
In 2008, a resident of the regional center has received from JSC "Tinkoff Credit Systems" letter with a proposal to use a credit card. For its design had to fill in an application form and send it to the specified address.
Voronezh resident scanned form and changed the terms offered by the bank, in the same part of the small print. He pointed out that the interest rate on the loan and the commission for cash withdrawal are 0%, and the "client has the right not to pay all commissions and fees, provided the tariffs." In addition, instead of the address of the bank www.tcsbank.ru Voronezh resident have your site www.tcsbank.at.ua, affirming that" with the current General terms and tariffs placed on the Internet, is familiar. " In other words, he prescribed for himself unlimited and free credit.
Separately, in the contract were provided on its website if the bank violated the terms of the document. "The Bank has no right to make changes and additions to these General Terms and Conditions unilaterally. In the case of changes, additions, substitutions, the General Conditions unilaterally by the Bank, the Bank shall pay compensation to customers in the amount of 3 000 000 (three million) rubles for each regular modify, supplement or replace the General Conditions "- said the client. Compensation from the Bank terminate the contract unilaterally was set at 6 million rubles.
Soon legally savvy customer has received from the bank a copy of the approved application forms and credit card. This meant that the bank agree on the proposed terms. Apparently, the bankers have signed the document without reading, without knowing that the client offered them their own terms.
Bank unilaterally terminated the contract with the Voronezh in April 2010, since, according to TCS, the client began to avoid the delay of payment of the minimum payment. Two years later, ZAO "Tinkoff Credit Systems" filed a lawsuit to recover from the former client standard delay, commissions and penalties. Voronezh resident, paying only the principal amount of 19 thousand rubles, filed a lawsuit claiming the bank with 24 million rubles as compensation for infringement claims credit agreement entered into on his terms.
Now Voronezh has a good chance to win a lawsuit against the bank. Not least because, earlier court upheld an agreement made by the parties.
He has already won in court the right not to pay the interest and penalties that were trying to recover from it.
via # image16993860
