Is Tinkoff Bank really deceiving customers? Why you shouldn’t use credit cards from Tinkoff Credit Systems Bank
The story of how a client defrauded Tinkoff Bank for 24 million rubles, in 2012, overnight glorified an ordinary resident of Voronezh and divided everyone who heard about it into two camps: those who supported the man’s actions, and those who considered them unacceptable. What did this man do, and how did he anger Oleg Tinkov?
Signing an agreement is an irreversible process
It all started in 2008 after Dmitry Agarkov from Voronezh found in his mailbox an agreement from Tinkoff Bank for the issue and servicing of a credit card.
Common practice for Tinkoff: a person studies the contract, signs if he is satisfied with the terms, and sends it back to the bank for signing. Then he receives a credit card by mail or courier and uses it.
Fact! An enterprising 42-year-old man corrected a couple of clauses of the contract written in small print on the computer and sent this copy to the bank.
Agarkov himself later said that at the time he perceived it as a joke, he had no intention of deceiving anyone and certainly did not think that everything would go so far. According to the new version of the agreement, Tinkoff provides him with a credit card at 0% and without the possibility of accruing any fines or penalties.
Founder of the Bank Oleg Tinkov. In other words, according to the agreement, the bank must provide the man with an interest-free, unlimited loan. In addition, the Voronezh resident prescribed fines that would be imposed on Tinkoff Bank in the event of a unilateral change in the terms of the loan, and added a clause obliging the bank to pay 6 million rubles for terminating the agreement.
Unsuspecting bank managers, having received the document, signed it, and soon the credit card was already in Agarkov’s hands.
Litigation
For four years, Agarkov actively used his credit card and returned only the amount he borrowed, without interest, that is, exactly as it was written in the contract. In 2012, Tinkoff terminated the contract with him and through the court tried to recover 45,000 rubles from the Voronezh resident for late payments, but the court ruled that the demand was unfounded, and the contract signed by both parties in 2008 was legal, since the client exercised a legal right change the terms of the contract before signing it.
Agarkov agreed to pay only 19,000 rubles - the amount he owed the bank, without fines or penalties.
Nuance! O. Tinkov was confident that he was right and promised Agarkov 4 years in prison for fraud, and not millions for winning the case in court. He called him a swindler who had defrauded the bank.
After such messages posted by the head of Tinkoff on social networks, the Voronezh resident and his lawyer demanded a public apology from him and another 900,000 rubles for moral damage.
Opinions on this matter are divided on social networks. Some thought that Agarkov was going too far, but the majority sided with him, believing that since the bank can enjoy the trust of inattentive people by offering them loans on unfavorable terms, then clients have the right to do the same.
Soon, the man’s lawyer told one of the news portals that Agarkov was going to leave Russia because of threats he received from representatives of the bank.
Reconciliation of the parties
In 2013, Tinkoff CEO Oliver Hughes commented on the current situation. He said that the parties had reached an agreement and dropped mutual claims. The details of this agreement are unknown, but, according to unofficial data, the bank paid Agarkov about a million rubles. Also, as a sign of reconciliation, Tinkoff issued a debit card for the Voronezh resident.
Later in an interview, Dmitry Agarkov noted that he did not want anyone to follow his example and try to outwit or deceive the bank. He urged everyone to always read the agreement with the bank carefully before signing, especially the lines written in small print. In the future, this will save clients from unpleasant surprises and disagreements with the bank.
In the papers that my wife and I received along with the All Airlines card (I don’t think I’m confusing the name of the card - I don’t have it at hand), it is clearly and clearly written that interest on money taken from a credit card is accrued only on the balance of the debt. That is, if you took one hundred rubles and returned 50 rubles before the end of the interest-free period (up to 50 days, it seems), then interest should be accrued only on the remaining 50 rubles that you did not repay on time. It seems that everything is clear and simple. But this is not true at all!
We delayed a small part of the money spent from the card (we simply forgot to pay the last part of the spent amount for a couple of days). So the bank calculated interest on the ENTIRE AMOUNT, and not on the uncovered balance. And most of all we liked the nonsense that sounded from the operators on the phone, about the fact that: “the bank holds in its mind (what is the wording?!) the entire loan amount until it is all repaid.” The "explanation" text was simply amazing. They blatantly did not answer our question: “on what exact amount is interest accrued.” And don’t care about the written stated “interest ONLY on the balance.”
Disgusting!!!
And it’s so disgusting to read all these enthusiastic and overtly sugary reviews here, remembering the extortionate percentages and similar rules of the “game” by which Tinkof deals with its clients. We took their card not to use their credit, but to pay for purchases via the Internet and so on, and then immediately transfer money. But one day they forgot to report a piece on time (and it was a very small one), so they grabbed (I repeat) interest from us on the ENTIRE amount!
Special thanks to our state and law enforcement agencies, in whose presence you can easily bend over citizens without being embarrassed or afraid of anything!
And now there’s a problem on my card (the same one) - it’s unclear how 73 euros were charged for renting a car all the way in Italy. And the entire vaunted Tinkof security system did not help protect against this. I have a funeral, and the money has disappeared from my card. And I noticed this only a few days later, looking at expenses in my personal account. The card was blocked after my request. And they said that they would sort it out within 20 days!!! I have practically no hope for a refund - nothing before this indicates that anything at Tinkof is real for people and in their interests. And the example with the wife’s card is the best confirmation of this.
Now about the good stuff (it’s funny, but it’s there too) - the All Airlines card tariff includes an insurance policy for a year for trips abroad. It's comfortable. But, thank God, we did not encounter a situation where we would need this policy. I would no longer be surprised that this would not result in the most pleasant situation for us. But that's not a fact. Perhaps in this part Tinkof would be at his best. And it’s also convenient that the bank tracks car fines and other utility payments.
The story is about why, after almost 6 years of using Tinkoff Bank, I want to stop using it and protect others from this. If earlier I sincerely recommended this bank to everyone, now I will no less sincerely recommend not to deal with it.
The story began in April 2015, many banks increased interest rates on deposits. Tinkoff set a rate of 17% per annum in rubles and I placed a deposit. It is important to note that this deposit is replenished.
Several months passed, and the bank unilaterally decided to change the terms of the agreement: a reduced interest rate of 13% per annum began to be applied to all deposit replenishments credited from July 1.
To understand the changes, I will give a calculation; it is a little simplified, but in general it reflects the essence. If you opened a deposit on April 1, 2015, for a period of one year and replenished it with 500 thousand rubles on July 1, then according to the initial conditions, at the time the deposit ends, 500,000*9*(17%/12)= should be credited to these 500 thousand 63,750 rubles interest. According to the new conditions, 500,000 * 9 * (13%/12) = 48,750 rubles, we get a difference of 15,000 rubles. That is, the bank unilaterally decided not to pay this amount.
Well, there were people who were not too lazy to file a complaint with the FAS, there was a trial. As a result, on June 1, 2016, the Arbitration Court confirmed the decision of the FAS that the reduction in replenishment rates violated the competition law and ordered the bank to pay the required interest.
What do you think the bank did? They posted news about this on the website and did not inform customers in any other way, either by SMS or by mail. The news says that the bank is canceling the decision to reduce the interest rate and to receive interest you need to contact the bank. Accordingly, if you do not contact the bank, then the interest will not be returned to you. It’s easy to guess that the number of people who learned about this tends to 0. I myself learned about this news quite by accident, after seeing a link on social media. networks.
I think the reasons for this “quiet” method of informing are obvious, because the total amount of these payments is about 300 million rubles.
After that, I contacted the bank for payment of interest, compensation for the use of them and asked to clarify when the bank plans to notify clients about this situation. Below is the correspondence.
Hello!
I would like to start the letter by saying that I have been your loyal customer for almost 6 years, I sincerely recommended your bank to my friends and acquaintances. And today I doubted the correctness of my choice.
Quite by accident I came across an article () in which it is written that the bank is canceling the decision to reduce the interest rate, which applied to deposits opened from December 2014 to April 2015. I had a deposit opened during this period, but no interest or compensation I have not received. Apparently, this is due to the closure of the deposit before this decision was made. Quote from the article: “To receive payment under a closed deposit agreement, clients need to contact the bank (by calling the contact center 8 800 7557998, by mail or by email) and inform them about a convenient method for depositing funds.”
It turns out that I and all the depositors who closed the deposit, if they do not contact the bank, will not receive their legal interest. I understand that in aggregate this is a significant amount, but I believe that the bank should inform all such depositors about this situation and transfer the interest due to them. I am sure that this is more profitable from a business point of view, although in the short term it will lead to significant expenses (return of interest), in the long term it will pay off at the expense of loyal customers.
I ask you to carefully consider this appeal; it is best to bring it to the person at the bank who is aware of this situation and provide answers to the following questions:
1. Please send me a detailed calculation of the interest that was not accrued on my deposit and transfer it to my debit card.
2. I have no desire to waste my time and yours on lawsuits regarding compensation for interest not received on time, although there are detailed instructions on how to do this (). Therefore, I would like to clarify what compensation you are willing to pay in connection with the current situation?
3. Probably the most important question, when do you plan to notify all clients who closed their deposits and did not receive interest? And transfer interest and compensation to them?
I hope for a speedy response and explanation of this situation.
Sincerely, still a loyal client, Anatoly Fedchenko.
I received a response, the bank believes that it informed clients by posting the news on the website. As I wrote, the probability of reading it tends to 0.
Hello, Anatoly Valerievich!
We are sorry, we do not open links to third-party resources. This is a security requirement.
If you sent valuable information in a link, please send it to us again by attaching it to your reply email.
We recommend using .jpg, .pdf, .tif, .doc formats for documents and images.
Regarding your questions:
1. We passed on the information to our colleagues so that they could prepare a detailed calculation of interest. Colleagues will send an invoice to your email within 3 business days. The payment will be 6,058.37 rubles. and will be transferred to the card account within 2 calendar days.
2. The calculated payment includes the lost interest that should have been accrued on all top-ups (including the bank transfer bonus) made after the bank's decision to reduce the rate, and the capitalization of this interest. Also, the final amount already takes into account the payment of personal income tax.
3. Clients were informed on the bank’s website, news dated June 24, 2016.
From the news on the site, it may seem that interest should be accrued automatically for those whose deposits were extended, but, as it turned out, this did not happen. I wrote about this and that the bank, in my opinion, is not behaving well. He offered them possible ways out of the situation.
Good afternoon
Thank you for quick answer.
Today I found out that interest was not automatically returned to those bank clients whose deposits were automatically extended. It turns out that almost all clients (those who closed these deposits upon expiration, and those whose deposits were extended) need to somehow find out that they need to contact the bank for a refund of interest. I think it is obvious that approximately 0 clients read the news on the site, and you did not inform them in any other way.
You now have two options:
1. I inform all media about the current situation, which is as follows: despite the decision of the Arbitration Court, which declared your actions to reduce the interest rate illegal, you did not properly inform your clients. In essence, you did not pay the interest due to a large number of your customers because they did not find out that they were owed interest and did not contact the bank. I think the reputational losses and the guaranteed appeal of the majority of clients for their interest, after the hype in the media, are obvious.
2. I like your bank and service, I don’t want this situation to ruin its reputation. I think everyone has the right to make mistakes. Therefore, I may not contact the media, but give you the opportunity to even get positive PR in this situation. To do this, you need to do the following: you yourself inform all clients who are concerned (via SMS and mail) about the need to contact the bank to choose where the interest will be transferred. In case someone does not pay attention to SMS or mail, you inform through major media about the need to contact the bank to receive interest, clearly describing those who are affected and the sequence of actions to receive interest. In this way, you will show your honest position towards clients and that you are not chasing short-term benefits, but are building long-term relationships with clients, caring about your reputation, etc.
Perhaps you see the situation and the way out of it somehow differently, I’m ready to hear and discuss it.
The bank said that, according to the agreement, they can inform clients in any way at their discretion.
It is clear that this is a standard reply from an employee who does not have the authority to make any decisions and is acting according to instructions. Therefore, I asked to pass this appeal on.
I have no doubt that you have legal grounds to notify only in the specified way. I think I made it clear in my previous letter why this is a bad decision.
I understand that this answer is most likely a standard unsubscribe according to the instructions. Therefore, I request that the previous letter be forwarded to higher management so that they can make an informed decision.
I received a response that the appeal will be considered until August 8 inclusive.
On August 8 I did not receive any response, so I had to remind him. As a result, on August 9, the bank responded that the decision “was not hidden from clients and was provided properly.” It is important to note that this is no longer a response according to instructions, but a deliberate decision that reflects the position of the bank.
Dear Anatoly Valerievich!
The information you provided was not ignored. Thank you for your proposal.
The bank first posts news on the official website for timely review. The decision made to pay funds in the amount of income lost as a result of a decrease in the interest rate charged on the amounts of completed replenishments was not hidden from clients and was provided properly.
According to the FAS order, the bank had to pay lost income to customers. This is what we did/continue to do, fulfilling the order, as part of the previously published news on our bank’s website.
I also decided to find out whether the bank was going to compensate for the time I used my money, since it was at its disposal from the moment the deposit was closed until the moment it was returned without my consent.
Good afternoon
Regarding the second point, your colleagues sent a file with a calculation. It does not take into account the lost benefit during the period from the moment the deposit is closed until the payment of this interest. In fact, the bank has been “using” my money all this time, without my knowledge or consent. Therefore, I want to clarify how this will be compensated?
The bank replied that it was not going to compensate for this in any way.
Hello!
Previously, colleagues sent you the correct calculation of interest.
This calculation indicates the entire amount that is intended for payment on this deposit.
Unfortunately, no other payments are provided.
Why do I want to stop using Tinkoff Bank and do not advise anyone to contact it:
- The bank unilaterally, and illegally, changes the terms of service.
- Despite the court decision on the illegality of his actions, he does not try to return the money to his clients as quickly as possible, but on the contrary, he tries to prevent this information from becoming known.
- Does not pay any compensation for illegal use of money.
- The main thing is that I can no longer trust such a bank and I’m almost sure that if a similar situation happens again, the bank will happily deceive me.
A resident of Voronezh defrauded a bank of 24 million by correcting the “fine print”
The 42-year-old Voronezh resident found an ingenious way to turn this feature to his advantage and now, taking advantage of the bankers’ inattention, he is going to sue them for 24 million rubles.
In 2008, a resident of the regional center received a letter from Tinkoff Credit Systems CJSC with an offer to use a credit card. To complete it, you had to fill out an application form and send it to the specified address.
The Voronezh resident scanned the form and changed the conditions offered by the bank, in the very small print part. He indicated that the interest rate for using a loan and the commission for issuing cash are 0%, and “the client has the right not to pay all commissions and fees provided for in the tariffs.” In addition, instead of the bank address www.tcsbank.ru, the Voronezh resident indicated his website www.tcsbank.at.ua, confirming that “he is familiar with the current General Conditions and Tariffs posted on the Internet.” In other words, he prescribed an unlimited and interest-free loan for himself.
Separately, the agreement on its website provided for cases if the bank violated the terms of the document. “The Bank does not have the right to make changes and additions to these General Terms and Conditions unilaterally. In the event of a change, addition, or replacement of the General Conditions unilaterally by the Bank, the Bank pays compensation to the Client in the amount of 3,000,000 (three million) rubles for each subsequent change, addition, or replacement of the General Conditions,” the client indicated. Compensation from the bank for unilateral termination of the contract was set at 6 million rubles.
Soon, the legally savvy client received from the bank an approved copy of the application form and a credit card. This meant that the bank agreed to the proposed conditions. Apparently, the bankers signed the document without reading it and without knowing that the client had offered them his terms.
The bank terminated the agreement with the Voronezh resident in April 2010, since, according to TKS, the client began to be late in paying the minimum payment. Two years later, Tinkoff Credit Systems CJSC went to court to recover standard arrears, fees and fines from the former client. The Voronezh resident, having paid only the principal amount, filed his claim, demanding 24 million rubles in compensation from the bank for violating the clauses of the loan agreement concluded on his terms.
Now the Voronezh resident has a good chance of winning a claim against the bank. If only because the court previously recognized the agreement that the parties entered into as legal. According to this decision, the contract drawn up by the client was recognized as legal.
A resident of Voronezh deceived the bank for 24 million by correcting the “fine print.” The 42-year-old Voronezh resident found an ingenious way to turn this feature to his advantage and now, taking advantage of the bankers’ inattention, he is going to sue them for 24 million rubles. In 2008, a resident of the regional center received a letter from Tinkoff Credit Systems CJSC with an offer to use a credit card. To complete it, you had to fill out an application form and send it to the specified address. The Voronezh resident scanned the form and changed the conditions offered by the bank, in the very small print part. He indicated that the interest rate for using a loan and the commission for issuing cash are 0%, and “the client has the right not to pay all commissions and fees provided for in the tariffs.”
The Voronezh resident who outwitted the bank intends to sue him for libel
In addition, instead of the bank address www.tcsbank.ru, the Voronezh resident indicated his website www.tcsbank.at.ua, confirming that “he is familiar with the current General Conditions and Tariffs posted on the Internet.” In other words, he prescribed an unlimited and interest-free loan for himself. Separately, the agreement on its website provided for cases if the bank violated the terms of the document. “The Bank does not have the right to make changes and additions to these General Terms and Conditions unilaterally. In the event of a change, addition, or replacement of the General Conditions unilaterally by the Bank, the Bank pays compensation to the Client in the amount of 3,000,000 (three million) rubles for each subsequent change, addition, or replacement of the General Conditions,” the client indicated. Compensation from the bank for unilateral termination of the contract was set at 6 million rubles. Soon, the legally savvy client received from the bank an approved copy of the application form and a credit card. This meant that the bank agreed to the proposed conditions. Apparently, the bankers signed the document without reading it and without knowing that the client had offered them his terms. The bank terminated the agreement with the Voronezh resident in April 2010, since, according to TKS, the client began to be late in paying the minimum payment. Two years later, Tinkoff Credit Systems CJSC went to court to recover standard arrears, fees and fines from the former client. The Voronezh resident, having paid only the principal amount, filed his claim, demanding 24 million rubles in compensation from the bank for violating the clauses of the loan agreement concluded on his terms. Now the Voronezh resident has a good chance of winning a claim against the bank. If only because the court previously recognized the agreement that the parties entered into as legal. According to this decision, the contract drawn up by the client was recognized as legal. This video was created using the YouTube video editor (http://www.youtube.com/editor)
Comments
Video on this topic
Credit 0%. Tinkov Oh-enel
The loan story, which has been discussed in recent days, will soon continue in court. Resident of Voronezh...
Home—Forum about everything - construction, gardening, tourism
How Tinkov's bank deceives its customers
| Active topics |
|---|
| New topic Reply |
| East |
A resident of Voronezh, Dmitry Agarkov, stumped the Tinkov Credit Systems bank by changing the terms of the agreement, which were written in fine print, in his favor.
***
This story began in 2008, when a Voronezh resident received an offer by mail from Tinkoff Credit Systems CJSC to use a credit card. To complete it, you just had to fill out an application form and then send it by mail to the address indicated on the envelope.
The Voronezh resident scanned the application form from Tinkoff Credit Systems CJSC and changed the terms of the agreement proposed by the bank in the small print.
Youtube Client defrauded Tinkoff Bank for 24 million rubles
He indicated that the interest rate for using the loan and the commission for issuing cash are 0%. It also stated that “the client has the right not to pay all commissions and fees provided for in the tariffs.” In addition, there Alekseev, instead of the bank address www.tcsbank.ru, referred to his website - www. tcsbank.at.ua, confirming that “I am familiar with the current General Conditions and Tariffs posted on the Internet.” Simply put, Alekseev prescribed an unlimited and interest-free loan for himself.
In the event of a change, addition or replacement of the General Conditions unilaterally by the Bank, the Bank pays compensation to the Client in the amount of 3,000,000 (three million) rubles for each subsequent change, addition, replacement of the General Conditions
***
The bankers signed the agreement automatically and by 2013 it turned out that the bank owed the client $24 million.
— after Tinkoff Bank sued Agarkov for not paying interest on the loan, Agarkov himself has already gone to court. And he sued the bank;
— the news quickly spread across the Internet and many lawyers said that the Voronezh resident might even win the case;
— Oleg Tinkov began writing very unpleasant information on the Internet and publicly threatened Agarkov that he would imprison him for fraud;
— Agarkov said that he was leaving Russia because Tinkov’s people were threatening him;
— The day before yesterday, the media reported that the opponents agreed amicably
The conflict is not constructive, so we decided to end it like a gentleman, by removing mutual claims...
Since Dmitry does not always take credit cards well, we issued him a Tinkoff Black debit card, on which the bank charges 10% per annum on the card balance and pays cash back up to 30% on certain types of purchases.
Oliver Hughes, President of Tinkoff Credit Systems Bank, speaks.
People's opinions were divided: some took the side of the Voronezh resident, some took the side of Oleg Tinkov, and some consider this a PR campaign for the bank.
What was that all about?
But still, what general impression do people have from this story? I have: “there was something connected with Tinkov, the Voronezh man fooled him.” And the association is now “credit systems - Tinkov”, because my ears are sore with this phrase, but, by the way, I don’t want to go there for a loan.
The Tinkoff Credit Systems bank is confident that it will win the case against a resident of Voronezh, who is demanding 24 million rubles from the financial institution. Entrepreneur Oleg Tinkov, who controls TKS Bank, wrote about this on his Twitter.
“It’s time to stop the “diamond dream” and dreams about 24 million). Nobody will win anything from us, it’s a dream to get rich). So finish it and go to sleep :-),” Tinkov wrote on the evening of August 7 ( the author's spelling and punctuation have been preserved). “God, what kind of country is this? Fraudsters are your heroes,” the businessman complained in another tweet. Tinkov also wrote that, according to the bank’s lawyers, the plaintiff will receive four years in prison for fraud.
Tinkov’s comments relate to the trial, which became known on August 7. Voronezh media call the plaintiff Dmitry Alekseev; from the court materials it follows that D.B. Agarkov may be hiding under this name. (name not specified).
Alekseev sued TKS Bank for violating the terms of the contract. In 2008, a financial institution offered him to take out a loan by sending him an application form (.pdf) by mail. The client scanned the application and changed the terms of the contract written in small print.
The new agreement stated that the client takes out a loan at a zero rate, and the bank does not have the right to demand from him the commissions provided for in the tariffs. One of the conditions was also the bank’s obligation to pay the borrower six million rubles in the event of unilateral termination of the contract. In addition, Alekseev prescribed in the contract the obligation of the financial institution to pay three million rubles for each violated condition of the contract. The amended terms of the agreement were published on a separate website tcsbank.at.ua. Alekseev printed out his own version of the application, filled it out and sent it by mail. TKS Bank sent him a credit card after some time.
In 2010, the bank terminated the contract with Alekseev, as it decided that the client was late in payment. Tinkoff Credit Systems went to court with a demand to recover 45 thousand rubles from Alekseev, taking into account commissions. The client, referring to the agreement, agreed to pay only the principal amount of 19 thousand rubles. The court recognized his version of the agreement as legal and recovered only 19 thousand.
In 2012, Alekseev went to court. In his opinion, TKS Bank violated eight terms of the contract when it demanded a commission from him, and now must pay 24 million rubles. The bank believes that the case should be dismissed because the contract was terminated in May 2010 and the three-year statute of limitations expired in May 2013. The plaintiff’s side notes that the bank refers to a standard version of the agreement, whereas the agreement posted on tcsbank.at.ua was signed. Upon its termination, the financial organization had to pay six million rubles; since there was no payment, it means that the agreement is valid, Alekseev’s lawyers believe, and the bank owes 24 million for violating the terms.
Tinkoff Credit Systems clarifies that the incident involving Alekseev occurred as a result of a technical failure. The bank also clarifies that the amount of the claim is 900 thousand rubles.
Commenting is only allowed for the first 24 hours.
Comments(388):
1 … 4567 8910 … +1
Eh, it could be a good advertisement for Tinkov, here you have luck for the person and the honesty of the bank, which is responsible for its actions, if only the media buzzed louder, otherwise it will be an evil and stupid little man who lost the court
| 3+3−0 | Test efe | 11:41:55 08/08/2013 |
| 0+0−0 | Test efe | 11:39:27 08/08/2013 |
|
The numbers can naturally be known reliably only by thoroughly reading the terms of the amended contract. In addition, even an incorruptible court makes decisions based on its convictions, justifying the decision by the norms of the Civil Code. In our country, if the case concerns citizens, and not thieves in law with small companies, Soviet judges can easily and do reduce compensation tens of times, without justifying such a decision with anything other than their Soviet convictions. And often, in my practice (and not a lawyer, I just sued several times) and it’s just arbitrariness, violating the Civil Code. And we need to go to the Supreme Court in order to pin the judicial system against the wall. If at some stage you can’t stand it and give up, they won’t pay you anything. Here we have to go to the end. And this sometimes happens for several years. Well, here, if the pepper is not rich, the game is clearly worth pushing the matter to the Supreme Court. You can sweat for 24 lyams.) |
||
The main thing for him is not to drag out the case in the lower courts - in addition to obvious corruption, there is also a lack of public awareness. But the Supreme Court cannot decide not according to the Civil Code, for them it’s a disaster, no matter how much you bring in.)
| 3+4−1 | Mikhail Usatov | 11:31:59 08/08/2013 |
|
This is what they sent me from TKS Bank when payment was delayed by 3 days: "The debtor was refused a passport In the department of bailiffs in the Isakogorsky district of Arkhangelsk, enforcement proceedings were initiated against citizen Sh. to collect debt under a loan agreement. This citizen, by court decision, was obliged to pay over 60 thousand rubles in favor of the credit institution. The debtor was immediately notified of the initiation of enforcement proceedings against him. As it turned out later, around the same time, the specified citizen applied to the territorial department of the migration service to obtain a foreign passport. The Isakogorsk Department of Bailiffs received a request from the Federal Migration Service of Russia for the Arkhangelsk Region to provide information regarding Sh. on evasion of execution of court decisions. Let us remind you that an agreement on interaction and exchange of information was signed between the Federal Bailiff Service and the Federal Migration Service. Now, if a citizen wants to get a foreign passport, he will not be given a document if it turns out that he is a debtor. The debtor went to an appointment with a bailiff to resolve the issue of paying the debt, where he was explained all the consequences of non-payment of the debt, including the issuance of a resolution against him restricting the right to travel outside the Russian Federation. To avoid problems with obtaining a foreign passport, the debtor found an opportunity to pay the debt within an hour. The debt was fully repaid by him." |
||
In their headline they accused the person of fraud, although they could have written a neutral one - “Tinkov will try to challenge the contract concluded in good faith in court.” After such a headline, it would become clear to anyone who Mr. Tinkov is.)
It was not the client who came to the bank, but the bank to the client. Be prepared to be fucked in your own way.)
Exactly! It's nice to meet adequate and knowledgeable people on Lenta!
If I were Tinkov, I would admit my mistake and give him this money live on Channel One.
I would return it in a week :))))
How will you justify this in court? I just can’t imagine how to technically organize this...
If only the bank's Security Council will kick them out.
| 0+0−0 | Alexander Maksimov | 13:39:39 08/08/2013 |
|
It will turn out to be much more expensive. A Voronezh resident defrauded a bank of 24 million by quietly correcting the “fine print”The case is resonant and the courts have instructions to side with ordinary physicists. I was struggling with repaying an overdue loan. The bank did not go to court in any way. They cheated through collectors. Then it turned out that the Bank had already lost several similar cases in other regions and were now trying to starve the debtors out. I had to notify as required and pay through another bank. |
||
P.S. In general, the Bank wanted about 500 thousand rubles. peny. :))
She is so greedy...
1 … 4567 8910 … +1
The client defrauded Tinkoff Bank for 24 million rubles
Change text size:
24 million rubles - that’s what the 42-year-old former policeman (now a businessman) demanded Dmitry Agarkov fromVoronezhafrom Tinkoff Bank.
Why? It's simple - the client changed the terms of the credit card agreement. I wrote my own there in small print:
1) he does not owe any interest for using the bank's money,
2) there are no fees for cash withdrawals,
3) There is no deadline for the client to return funds,
4) for demanding interest - a fine of three million,
5) for each change in the terms of the contract - three million,
6) for termination - six.
A bank took and signed this agreement. A couple of years later I asked an enterprising client - where are our percentages? He replied - read the agreement more carefully (and the court confirmed its legal force): it states that I do not owe you any interest. Moreover, this "Tinkoff" turned out to have to Agarkov- both for demanding interest, and for changing conditions, and for terminating the contract.
What started here... Just imagine: the bank was punished with its own weapon - they wrote down the conditions in small print, which, happily, no one ever read. Billionaire Oleg Tinkov threatened on Twitter Agarkov prison: they say, we’ll sue you for fraud. And the client continued to repeat his point: he should have read the contract more carefully.
And everyone waited with bated breath to see how the battle for millions of...deceived Russian debtors would end. And here you have the world one! Bank and Agarkov They agreed and parted without offense or trial - like a gentleman. Representatives arrived in Voronezh "Tinkoff" and suggested: the bank is not looking for a reason to attract Agarkova to criminal liability, and he stops demanding 24 million. Dmitry’s comment appeared on the bank’s official website (he currently does not give personal comments):
— In 2008, when I drew up my application form and submitted it to the bank instead of the official form, I was just joking... But the joke went too far. Of course, I do not recommend that other people do this.
And the bank clarified: we will better explain the terms of service to clients. Like this. There was no triumph of justice, as the Russians, sitting on the credit needle, had hoped. Lubricated end.
True, from the bank Agarkov will receive a debit card. According to it, he will receive 10% per annum as a depositor. Plus, he will be refunded 30% of the cost of purchases and services in stores and restaurants with which the bank has an agreement. Only the card does not provide any special preferences; any client can apply for one.
So how did it happen that the client replaced the bank agreement with his own? An offer to issue a card has arrived Agarkov by mail, as well as the contract form itself. Dmitry scanned it and replaced some points with his own in a graphic editor. And also sent it by mail with my signature to the bank. And they didn’t read the fine print...
By the way, many on the Internet are sure that this story was staged from the very beginning. Like, this is such a protracted PR campaign. That's why Agarkov is silent now. But does the bank need to risk its reputation for such promotion? Doubtful.
OPINION
Jan Art, vice-president of the Association of Regional Banks of Russia: “Banks are accustomed to the fact that an agreement is a formal document that they do not need to look at”
— What they agreed on is their own business,” said Ian Art, vice-president of the association of regional banks of Russia, vice-president of the national association of credit brokers and financial consultants, commenting on the situation. - There’s nothing to add here. But the story itself is a very useful and interesting precedent in terms of the legal consciousness of Russia. The fact is that since Soviet times, a belief has been formed in our mentality - a legal entity (be it a state, an institution, a company) always dictates its terms to an individual (citizen), and an individual receives instructions and orders from the legal entity.
We're used to it. And I can say that Mr. Agarkov, whom I don’t know, thank God, reminded that an agreement is an agreement, a product of non-resistance of the parties. Banks are accustomed to the fact that an agreement is a formal document that they do not need to look at, and that they cannot set counter conditions. They simply send it and receive a signature, according to which the client subsequently has certain obligations to them. And then the opposite happened. Very positive...
"KP" - Voronezh" VKontakte, Facebook, Twitter