In order to always enjoy customer loyalty, OTP Bank offers more and more ways to deposit monthly payment on loan. This time we will talk about payment via the Internet using the contract number. If the weather outside the window “doesn’t whisper”, you get sick, or simply can’t for some reason come to the bank branch in person and generally go outside, this method is for you! Read below to find out how to pay your loan online!

It should be noted that the Sberbank Online system plays an important role in this method. Her clients are well acquainted with remote methods of loan payment. OTP Bank gives you the opportunity to deposit the amount via the Internet using this program, if you are a payroll client of this organization and have access to the application.

1. Launch the application and log in to your personal account.
2. Go to the "Payments" section.
3. Select "transfers to another bank by BIC".
4. Enter the required data based on your loan agreement.
5. Click continue.
6. In the special fields, enter your full name, loan agreement number, mobile phone (for a return connection with you), as well as the payment amount.
7. Carefully check the information you entered to avoid mistakes.
8. Click next.
9. Get on specified number SMS with a security code and enter the code in a special field.
10. Wait for a notification that the operation is completed.

If you accidentally made a mistake in the recipient's address, and your money went to another person, it doesn't matter. Write a written application to the bank, and they will try to solve the problem. As a rule, such situations are resolved in favor of the client, because for the employees of the organization your safety is above all else!

If you have any doubts about repaying the loan in this way, then it is completely in vain. The system records all the transactions you make in order to issue a report in electronic or paper form if you wish. To get a document, go to a bank branch, call there or fill out an application online.

Through the OTP portal

However, not only the Sberbank Online system provides such an opportunity. On the OTP portal itself, you can perform exactly the same operation to deposit the amount on the loan account. It will take a minimum of your time and effort.

1. Go to the official page of OTP Bank.
2. Find the image of a hand with a coin and the inscription "Repay the loan." Click on the button.
3. From the proposed online channels for paying the loan, choose "On the card of another bank." After that, click on the "Pay with card" button.
4. In the window that appears, enter your full name and account number.
5. Click "next", after which the site will direct you to a window where you should indicate the number of the debit card and the amount you want to deposit.
6. It remains only to wait for confirmation of payment. If the stage passes, then the operation was successful.

Keep in mind that your payment cannot be more than 15 thousand rubles per day. The money will be transferred to the desired account almost instantly, and the commission will be 2% of the amount you deposited.

Via OTP direct

The OTPdirect system, similar to Sberbank Online, provides a person with the opportunity to pay a loan online. All payments are made in the same way as in the Sberbank system. If you prefer OTPDirect, then:

1. Go to the main page of the OTP website.
2. At the top right, find the "Internet Banking" button and click it.
3. An authorization form will appear on the left. Fill it out with your username and password.
4. Then another window will open. Find the "My Accounts" section there.
5. The section shows your current loan, as well as the amount you have to pay on it in the current month.
6. Click on the loan and select "Pay".
7. Enter the number of the card or account from which the funds will be debited. Then you just need to confirm the payment.

This method is absolutely not complicated, and you should not have any problems with payment. However, please note that the operation will be performed only if the account or card has the required amount. If there is not enough money, replenish the account in any way and repeat all the steps again.

How else can you pay

On the OTP Bank website, there are many more ways to repay a loan online or offline. Having studied them all, you can choose the best option for you and use it in the future to pay the OTP to the bank.

1. Service " Gold Crown” implies that you can make a payment in one of the network of MTS, Euroset and Beeline salons (there is a one percent commission in the salons, but you must pay at least 50 rubles), as well as in Kari and Nou stores Howe” (the commission is similar, but not less than 30 rubles). According to the account number, funds are transferred instantly, according to the card number - two business days.
2. Through Eleksnet payment wallet and terminals. From September 1, 2016, the commission has been reduced to 0.95% when paying through the Eleksnet Wallet (at least 20 rubles). If you pay using the terminal, the commission will be 1.4% (50 rubles - min.).
3. In Svyaznoy stores, you can top up your card account or make a loan payment. The commission will be 1% (min. 50 rubles). Funds will be transferred to the account within one working day after the transaction. Under the same conditions, operations are carried out in Megafon stores and at the cash desks of Eldorado, MVideo, etc. chain stores. (in cash).
4. With the help of Visa, QIWI, Wallet wallets and terminals. The commission for the service is taken at a rate of 1.6%, but not less than one hundred rubles. According to the account number, the money will be transferred immediately, and according to the card number - up to two days.
5. Using Internet payment systems (for example, Yandex Money). All payment terms will depend on the system you choose.

If you are closer to paying a loan with cash savings, the following methods are more suitable for you:

• OTP Bank self-service terminals and ATMs. Terminals are located in any branch or even on the street. They act just like terminals on any other network. It will take days to transfer money. Only those who have a loan for Mastercard or Visa. Payment is made without commission.
• Rostelecom. Rostelecom sales and service centers can help you top up your card account or pay off a loan. The commission is also 1% (min. 50 rubles). The money is transferred the next day after the payment is made.
• Postal transfer. At the offices of the Russian Post, no commission is charged for the transfer. You are also given the opportunity to put money on a card or pay off a loan.

As you can see, there are many different ways to make a payment on a loan at OTP Bank. Cash and non-cash, in the office or without leaving your own apartment. You only need to have a sufficient amount on your account or on the card for the successful completion of all manipulations. Remember that OTP Bank always meets the needs of its customers and takes care of their safety.

It may take them a few days to prepare this certificate. I highly recommend you get it.

I am sending feedback again. The first time I sent a review on this site on 01/02/2015 (link http://www.banki.ru/services/responses/bank/response//), to which there is still no answer. Previously, I put the item "no rating" for the review.

For the second review (more precisely, for the lack of response from the Bank), I give a rating of "1".

On January 31, 2011, a trial took place in the Frunzensky Court of Vladivostok. There was a representative of the Primorsky Territorial public organization for the Protection of Human Rights and Consumers, a lawyer at Paritet LLC and myself.

Literally: “Limited Liability Company “Paritet” undertakes, within twenty calendar days from the date of approval by the court of the settlement agreement, to terminate the sale and purchase agreement No. dated 10.08.2010, concluded with K. A.V., to pay K. A. IN. a sum of money in the amount of rubles, to return to JSC OTP Bank in repayment of the debt of K-na A.V. to the Bank the amount of the loan granted by the Bank, interest on the loan, and a fine, in the total amount of 101 thousand 365 rubles 18 kopecks (reference: such an amount debt to the bank was as of 31.01.2011 year), and the plaintiff K-n A.The. renounces the claim against Paritet LLC and OTP Bank OJSC.

On 02/09/2011, the employees of Paritet LLC issued a certificate of acceptance and transfer of the KIRBY device in connection with the termination of the purchase and sale agreement No. dated 08/10/2011, took away the vacuum cleaner, returned it to me an initial fee, paid in the company "Paritet" LLC and cash for the examination of the vacuum cleaner. Then I was disturbed by various collection agencies, but I sent a copy to everyone judgment and my questions disappeared.

08/05/2011 by the Department bailiffs in the Leninsky district of Vladivostok, enforcement proceedings No. 28043/11/01/25 in relation to the debtor Paritet LLC.

Free legal advice:

On 10.10.2012, the bailiffs' department for the Leninsky district of Vladivostok initiated another enforcement proceeding No. 80195/12/01/25 against the debtor Paritet LLC.

In June 2013, I called reference office of OTP-Bank in order to clarify the status under the loan agreement No. of 08/10/2010 and was stunned - the amount of debt is growing and, in my opinion, with interest at that time was over 130 thousand rubles.

How to terminate a loan agreement with otp bank

On June 4, 2014, after numerous calls from Desheli salon employees with an invitation to a free facial skin care procedure, I visited this salon out of curiosity.

In the process, they began to importunate me with Desheli products, and, as if in a state of hypnosis, I agreed and signed loan agreement with OTP "Bank", for a period of 2 years, in the amount of 43901.39 rubles, with interest rate- 29.25% per annum. At the same time, he made an advance payment in the amount of 00 rubles. and within three months I transfer money to pay off the payment amount, in the amount of 2000.00 rubles.

Free legal advice:

Later, after reading the reviews of other users of this cosmetics, having learned what harm it causes to health, I decided to use your advice on terminating the loan agreement with the bank and returning the cosmetics back, especially since I did not use it. I am a pensioner and this amount is very large for me. In addition, they promised me that they would invite me to the salon for a consultation with a beautician, and once a month they would be serviced free of charge in the salon. However, neither one nor the other happened during this time.

How to terminate a loan agreement with OTP Bank? We kindly ask you to provide legal assistance in solving this problem!

Lawyers Answers (10)

Guided by Article.Article. 4, 9, 10, 13, 15, 17, 18, 24,32 of the Law Russian Federation"On consumer protection", Art. 151, art. 493, art.495, art.503, art.505

Civil Code of the Russian Federation,

Free legal advice:

You can terminate the contract

purchase and sale and recover from the defendant the sum of money paid under

a contract of sale; forfeit; amount of money paid in

"Bank", recover in compensation for non-pecuniary damage

amount of money; recover court expenses, Related

Free legal advice:

payment for the services of a representative, collect from

defendants a fine equal to the price of the claim.

That is, you have the right, in the form of a claim to the seller, to demand to terminate the contract and return your money (in writing, by a valuable letter with an inventory, or in person).

If they do not meet halfway, then go to court for consumer protection.

Have a question for a lawyer?

You were actually forced to conclude a loan agreement, which directly contradicts paragraph 2. Art. 16 of the Law "On Protection of Consumer Rights". The loan agreement is targeted and was issued solely to pay for the goods. In case of return

Free legal advice:

goods of a trade organization, the need for this loan ceases

exist on the basis of paragraph 1 of Art. 451 of the Civil Code of the Russian Federation, namely

due to a significant change in circumstances, from which the parties

originated at the conclusion of the contract.

Therefore, in the same lawsuit to the court, you can ask to terminate the loan agreement concluded between the "Bank" and you.

Free legal advice:

There is an encouraging arbitrage practice on similar cases. For example:

Claims Yashina FULL NAME21 to LLC «Isabel» on the protection of consumer rights to meet partially.

of Purchase and Sale No. dated DD.MM.YYYY for cosmetics under the trademark "DeSheli"

a sum of money in the amount of 43,057.71 rubles, a penalty for violation of the deadline

satisfaction of the claim for the return of a sum of money in the amount of,63

rubles, moral injury in the amount of 1000 rubles, a fine in the amount of 33432.17

Free legal advice:

rubles, expenses for the services of a representative in the amount of rubles, and total

collect 81,864.34 rubles.

claims of Tatyana Aleksandrovna Krapivnaya against LM Group International LLC,

JSC "OTP-Bank" on termination of the contract of sale, credit

contracts, on the recovery of damages, on the recovery of monetary compensation

Free legal advice:

non-pecuniary damage, on the recovery of expenses for paying for the services of a representative, on

recovery of a penalty, on the recovery of a fine, partially satisfy.

concluded between Tatyana Aleksandrovna Krapivna and LM Group LLC

funds received under loan agreement No. dated DD.MM.YYYY, in the amount of 29

Alexandrovna losses in the amount of 1000 rubles, monetary compensation

Free legal advice:

non-pecuniary damage in the amount of 3,000 rubles, the costs of paying for services

representative of rubles, a penalty in the amount of rubles, a fine in

ruble size, total ruble.

good morning, Ilshat!

first, you need to contact the salon (the seller) with a claim to terminate the contract for the sale of cosmetics.

Free legal advice:

the basis for termination of the contract is Article 10 of the Federal Law "On Protection of Consumer Rights" - incomplete provision of information about the product. it is known that on flacons and tubes of this brand there is no information in Russian about the composition, manufacturer, importer, production date and barcode, which is a violation. there is no information about medical contraindications.

on these grounds, you have the right to demand the termination of the contract and the return of funds.

also contact the CPS.

only after satisfying your request to terminate the agreement, you can submit a request to Bagku to terminate the loan agreement.

if after 10 days from the date of filing a claim (it can be sent by registered mail) you do not receive a response, you can apply to the court at the place of your residence with a claim for termination of the sale and purchase agreement and the loan agreement, as well as demand a penalty, compensation for moral damage .

Free legal advice:

Good afternoon, Ilshat!

If the product really causes harm to health, that is, it is of poor quality, then you have every right to demand termination of the contract and a refund:

Article 18 of the law on the protection of consumer rights Consumer rights in case of defects in the product

1. The consumer, in case of detection of defects in the goods, if they were not specified by the seller, at his choice, has the right to:

demand a replacement for a product of the same brand (the same model and (or) article);

Free legal advice:

demand a replacement for the same product of a different brand (model, article) with a corresponding recalculation of the purchase price;

demand a commensurate reduction in the purchase price;

demand immediate gratuitous elimination of product defects or reimbursement of expenses for their correction by the consumer or a third party;

refuse to fulfill the contract of sale and demand the return of the amount paid for the goods. At the request of the seller and at his expense, the consumer must return the goods with defects.

In this case, the consumer has the right to demand also full compensation for losses caused to him as a result of the sale of goods of inadequate quality. Losses are reimbursed within the time limits established by this Law to meet the relevant requirements of the consumer.

Free legal advice:

Sincerely, Dmitry Vasiliev.

What claims to the quality and safety of this brand can be made:

consumers" the seller is obliged to provide the consumer in a timely manner

Free legal advice:

necessary and reliable information about goods (works, services),

enabling them to make the right choice.

(relaxing music, unusual smells, hypnotism). When applying for a loan, you were not asked about your income or pension.

Free legal advice:

Cosmetics sold on the territory of the Russian Federation are subject to mandatory declaration according to the GOST R system.

07/01/2012 the Technical Regulations of the Customs Union came into force

(TR CU 009/2011), which establishes uniform for the countries of the Union

requirements for the safety of cosmetics and perfumes and

requirements for certification of cosmetic products (this regulation was introduced

Free legal advice:

production and release into circulation of products in accordance with

mandatory requirements previously established by regulatory legal

acts of the Customs Union or the legislation of the Member State

Free legal advice:

of the Customs Union, if there are documents on assessment (confirmation)

conformity of products to specified mandatory requirements issued or

adopted before the date of entry into force of the Technical Regulations.

But perhaps at

purchase of the goods you were not given:

Declaration of conformity for each

Free legal advice:

the name of the purchased cosmetics (cosmetics must contain

information and marking on the packaging in accordance with GOST R),

It is possible that the product does not have a mark certified by the Customs Union

products (in the form of "EAC" symbols and a graphic symbol on packages).

Some toxic ingredients in

perfumery and cosmetic products are limited in use by the Technical

regulation of September 23, 2011 No. 799 "On the safety of perfumery and cosmetic products".

But often in this brand of cosmetics there are substances that are harmful to

health (toxic elements and narcotic substances), as well as

known allergens, such as bee products, as well as plant extracts that

included in the List of plants containing narcotic drugs or

psychotropic substances or their precursors and subject to control in

of the Russian Federation, approved by the Government Decree

If you terminate the purchase agreement you entered into, the loan fee will also be reimbursed.

By virtue of paragraph 5 of Art. 24 of the Law on the Protection of Consumer Rights, in the event of the return of goods of inadequate quality sold on credit, the consumer is returned the amount of money paid for the goods in the amount of the loan repaid by the day of return of the specified goods, and the fee for granting the loan is reimbursed.

5. In case of termination of the contract of sale, the amount of money paid for the goods in the amount of the loan repaid by the day of return of the goods is returned to consumers to whom the goods were sold on credit, and the payment for the provision of the loan is also reimbursed. (as amended by Federal Law No. 212-FZ of December 17, 1999)

Since even if you file a claim with the seller that the goods are of poor quality, the seller will most likely refuse, you will have to terminate the goods in court. The grounds are actually 2, or for the incomplete provision of information in accordance with Art. 10 ZOZPP, for example, if there is no description of the goods in Russian, although you signed an agreement on which you were provided with all the information.

Or to conduct an examination of cosmetics and identify dangerous ingredients in it, just statements on the forums will not be accepted as evidence. If you have an allergy to this cosmetics, it will also be evidence of poor quality.

After terminating the agreement and returning the money, repay the loan in full and thereby close the loan agreement.

Article 10. Information about goods (works, services)

1. The manufacturer (executor, seller) is obliged to provide the consumer with the necessary and reliable information about goods (works, services) in a timely manner, ensuring the possibility of their correct choice. For certain types of goods (works, services), the list and methods of bringing information to the consumer are established by the Government of the Russian Federation. 2. Information about goods (works, services) must contain: the name of the technical regulation or other designation established by the legislation of the Russian Federation on technical regulation and indicating the mandatory confirmation of the conformity of the goods;

information about the main consumer properties of goods (works, services), in relation to food products, information about the composition (including the name of food additives, biologically active additives used in the process of manufacturing food products, information about the presence in food products of components obtained using genetically engineered organisms, if the content of these organisms in such a component is more than nine tenths of a percent), nutritional value, purpose, conditions for the use and storage of food products, methods for preparing ready-made meals, weight (volume), date and place of manufacture and packaging (packaging) of food products, as well as information on contraindications for their use in certain diseases.

The list of goods (works, services), information about which should contain contraindications for their use in certain diseases, is approved by the Government of the Russian Federation;

the price in rubles and the conditions for the acquisition of goods (works, services), including when paying for goods (works, services) after a certain time after their transfer (performance, rendering) to the consumer, full amount, payable by the consumer, and the repayment schedule for this amount;

warranty period, if any;

rules and conditions for the efficient and safe use of goods (works, services); information on the energy efficiency of goods in respect of which the requirement for the availability of such information is determined in accordance with the legislation on energy saving and on improving energy efficiency;

service life or shelf life of goods (works), established in accordance with this Law, as well as information about necessary actions consumer after the expiration of the specified terms and possible consequences if such actions are not performed, if the goods (works) after the expiration of the specified periods pose a danger to the life, health and property of the consumer or become unsuitable for their intended use; address (location), company name (name) of the manufacturer (executor, seller), authorized organization or authorized individual entrepreneur, importer

information on the mandatory confirmation of the conformity of goods (works, services) specified in paragraph 4 of Article 7 of this Law;

information on the rules for the sale of goods (performance of work, provision of services); an indication of a specific person who will perform the work (provide a service), and information about him, if it matters, based on the nature of the work (service);

an indication of the use of phonograms in the provision of entertainment services by performers of musical works.

If the product purchased by the consumer was in use or a defect (shortcomings) was eliminated in it, the consumer must be provided with information about this.

3. The information provided for in paragraph 2 of this article is brought to the attention of consumers in the technical documentation attached to the goods (works, services), on labels, markings or in another way accepted for certain types of goods (works, services). Information on the mandatory confirmation of conformity of goods shall be submitted in the manner and in the manner established by the legislation of the Russian Federation on technical regulation, and includes information on the number of the document confirming such conformity, on its validity period and on the organization that issued it.

You were actually forced to conclude a loan agreement, which directly contradicts paragraph 2. Art. 16 of the Law "On Protection of Consumer Rights".

And what is the imposition? They imposed cosmetics, yes, but Ilshat signed the loan agreement voluntarily.

In general, the judicial practice on terminating the contract by the borrower is extremely small, and there is very little chance that your requirements will be satisfied.

We will have to prove the imposition and change of essential circumstances. The fact that you are a pensioner will not be one. Don't waste time canceling your loan agreement. It is easier to terminate the contract for cosmetics and repay the loan ahead of schedule.

when applying for a loan were in an incomprehensible

for you a condition caused by the influence of a complex of factors

(relaxing music, unusual smells, hypnotism). When applying for a loan, you were not asked about income, pension

And how to prove it?

Hello Ilshat! Under the circumstances indicated by you (if there is evidence of the harmful nature of Desheli's products), you have grounds to apply to the Magistrate's Court of the judicial district at your place of residence with a claim for the recognition of the Agreement for registration of goods on credit as invalid on the grounds enshrined in Article 178 of the Civil Code of Russia "Invalidity of the transaction committed under the influence of a fundamental error."

In your case, we are talking about a delusion regarding the subject of the transaction, its qualities, which at the time of registration of the goods on credit were not known to you (subparagraph 1 of paragraph 2 of Article 178 of the Civil Code of Russia).

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How to terminate a loan agreement with a bank?

Can I terminate a loan agreement with a bank? How to do it?

The loan agreement can be terminated at the initiative of the borrower after full early repayment.First you need to find out how much is needed for repayment, then pay. Be sure to write a statement so that the money is debited from the account ahead of schedule and the account is closed, as well as take a certificate from the bank that you do not owe anything. Otherwise, it may turn out that you will think that the loan has been repaid, and they will simply write off regular payments from your account and will not bother you from the bank until there is money in the account, then you will have a debt. Many have already fallen for this bait! In general, I encountered the fact that with early and partially early repayment in the OTP bank big problems, and with the East - too!

Terminating a loan agreement with a bank, in principle, is not difficult. But first it needs to be repaid, this loan. After that, it either automatically breaks, or you need to come to the nearest bank branch, and write an application to close the account.

If you repay the loan ahead of schedule, you can immediately terminate the contract with the bank. For this, an agreement is signed to terminate the contract. But if you do not repay the debt to the bank, but it will not be possible to terminate the contract.

OTP Bank termination of the contract

• Posts: 459
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I have such a situation with OTP: I took trade credit paid in full in two weeks. I didn’t specify whether they closed the loan or not, I thought, since SMS does not come with a reminder of the payment, then everything is fine. A year later, I accidentally found out that no one had closed my loan, because a few rubles were not enough, and monthly mandatory payments are debited from my account. I wrote a statement to the bank, but, of course, they ignored it.

Well, when the money in the account ran out, they started calling me to pay off the debt. I didn't pay, of course.

They sent a letter stating that if the debt is not repaid by a certain date, the contract is terminated. Didn't pay.

Then collectors called once, I sent them to court. Well, another letter from the collectors was with scarecrows, now for four months there has been complete silence.

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How to terminate a loan agreement with otp bank

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How to terminate a consumer loan agreement at OTP Bank?

11/19/15 I bought a fur coat from a visiting seller from Samara OTP loan bank. I found a marriage, I refuse to replace it. 20.11.15 I called the OTP bank by phone (they told me that the loan agreement has not yet been registered. I’m going to call back tomorrow, but I’m afraid that I won’t have time to terminate the agreement. Tell me the correct steps to refuse the loan. After all, a sale and purchase agreement is being drawn up on credit issued by the bank, with the seller. I would like to have time to terminate my contract. Is this so? Help, tell me.

Expert answer:

Svetlana, unfortunately, without seeing the documents, it is rather difficult to give you correct recommendations. You, as a consumer, have the right to return the goods to the store within 2 weeks, while, if the purchase was made on credit, the contract consumer lending terminated at the time of return of the purchase.

Carefully read the terms of the loan agreement, for sure there is a clause describing the actions of the borrower in this situation.

Questions about OTP Bank

• 01/06/2018, 09:25 - Ivan, Ulan-Ude

Will interest be charged on credit debt at OTP Bank?

• Ivan, the loan will be repaid on January 9, on the first working day, and no additional interest will be charged.

23.12.2017, 10:26 - Ivan, Vladikavkaz

Questions tagged "closure"

• 01/10/2018, 13:39 - Ruslan, Krasnoyarsk

How to repay a car loan early at Sovcombank?

• Ruslan, permission to sell a car purchased under targeted lending can only be obtained from the lending bank.

01/05/2018, 13:54 - Lyudmila, Omsk

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Termination of the loan agreement with the bank

Unfortunately, the level of financial literacy of Russians leaves much to be desired. When applying for a loan, borrowers sometimes do not even read the sample agreement and take the word of bank managers.

Through their own fault and negligence, they fall into a deep debt hole. And only then they begin to think what to do next, and how to get rid of their debts.

Professional lawyers in this situation may advise you to terminate the loan agreement. How to do this and what arguments to bring in your defense?

Main provisions of the loan agreement

All rights and obligations of the borrower and the bank are stipulated in the loan agreement. On its basis, the financial institution issues money to the client, and he, in turn, repays the debt along with accrued interest.

According to the Civil Code, a loan agreement must be drawn up in writing. It is signed by both parties, but registration of the agreement is not required.

The contract must contain the following information:

• the amount of funds issued;
• the period during which the client must repay the debt;
• intended use of money;
• loan repayment procedure;
• interest on the loan;
• other provisions agreed by both parties.

The loan agreement is the basis of the relationship between the client and the lender.

Termination of a loan agreement with a bank - is it possible or not?

According to the Civil Code, a transaction can be terminated, both at the initiative of the borrower and at the initiative of the bank, only in the following situation:

• One of the parties materially violates the terms of the contract;
• In other cases, as determined by law.

It is very important to understand the concept of “material breach of conditions”. This is a failure to comply with the clauses of the loan agreement, as a result of which, the second party incurs serious losses.

Article 451 of the Civil Code states that one party has every reason to early dissolution contract if circumstances change dramatically.

How to terminate the contract for the borrower?

If the client is sure that the bank is materially violating the terms of the agreement, then he has every reason to start the procedure for terminating the agreement. To do this, he needs to take the following steps:

• Draw up an appropriate application addressed to the director of the bank. Do not count on the help of employees, you will have to fight alone. If the branch refuses to accept your application, then send a registered letter to the bank. You will be notified when you receive it.

Within one month, the creditor must give a written response to your appeal. In most cases, banks refuse to terminate the contract.

• Next, you need to file a claim for termination of the loan agreement with the bank. It is better to seek help from lawyers who will competently draw up the document and carry out the claim termination of the contract in accordance with the norms of the law.

Also, the borrower must pay the state duty, which is 300 rubles. He attaches a copy of the receipt to the claim.

Also, a loan agreement, a payment schedule and correspondence with the bank about violation of the clauses of the agreement are attached to the package of papers.

• Conducting a trial. It is very important to defend your position not only in words, but to confirm it with calculations and documents. In this case, you have every chance to win the process.

Judicial practice of terminating a loan agreement

Even if the client has made statement of claim and went to court, in very rare cases he achieves victory. Practice shows that the court does not side with the borrower, but with the bank.

There are several reasons for this statistic:

• Borrowers, when explaining violations of the terms of the contract, most often refer to natural disasters, deterioration in health, loss of a job and source of financial income.

• If the main reason for the debt is natural disasters, then the court acts from the position that the borrower could protect his interests and insure the property. In this case, he would have received a refund and repaid the debt to the bank.

• The court insists that the borrower must provide for situations to reduce its solvency. At the best of times, the client is advised to set aside funds for several monthly payments. This "stash" can be used in a crisis.

So let's sum it up.

Before you go to court, you need to realistically assess your chances of winning. Litigation is associated with certain costs. And without the help of a qualified lawyer, it is impossible to win a case.

In order to win over the judge to your side, you need to present as many arguments as possible in your defense: collect the opinion of doctors confirming the seriousness of the disease; show that you are making every effort to find a new job.

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OTP Bank is a representative of the international financial group, which occupies a leading position in the market of credit services in Europe.

It offers customers a variety of services for entrepreneurs. It is also one of the fifty largest Russian banks.
This organization is a member of the deposit insurance system and a member of the Moscow Exchange, and in addition, it is a member of the Association of European Businesses and the National Stock Association.

Today, this bank has almost four million customers.

Users are served through networks consisting of ninety-six offices and one hundred and ninety-five ATM networks.

The main objective of this bank is to build long-term relationships with borrowers based on trust.

The client can take out a cash loan. Calculation credit limit and payment schedule is made individually.

In case of early repayment of the loan, no additional fee is charged. You can apply for a loan both on the official website and in one of the bank branches.

Important! It also offers small business loans without collateral and for a short period of time. This is a great option for small businesses. To obtain such a loan, leave an application on the official website of the bank. Rest assured that the payment will be provided on time.

To get a loan, you must provide the following documents:

1. Passport, as well as TIN.

2. To receive a loan, pensioners must provide a copy of their pension certificate.

3. To confirm income, provide a copy of the passbook or a certificate of the amount of the pension received.

4. Individual entrepreneur in addition to the registration certificate, he must provide a sheet from the register of all individual entrepreneurs.

5. In order to take a loan in the amount of two hundred thousand to four hundred thousand rubles, an employee must provide a work book, previously certified by the employer.

To take a loan in the amount of more than four hundred thousand rubles, you will need to provide a certificate of income in a banking form.

Important! The bank has the right to require additional documentation from customers, for example, the TIN of the company where the potential client works.

This information is needed to check the movement of assets in payroll accounts. Men over twenty-seven must present a military ID.

When contacting the bank, prepare all possible documents, for example, a copy of a driver's license or passport.

Loan types

Bank customers are offered excellent cash loans. Such a loan can be taken for any purpose.

The contract is concluded in one of the bank's offices. The loan is calculated in equal installments.

The loan can be repaid ahead of schedule both in installments and in full.

Here are the conditions under which such a loan is issued:

• the maximum loan amount reaches seven hundred and fifty thousand rubles;
• the minimum term for which a loan can be taken is one month, and the maximum is five years;
• such a loan can be taken in rubles.

To receive such a loan, the user must provide documents to confirm income: a bank statement, as well as personal income tax.

Also, the client must have a certificate from the nearest pension fund.

Here are the main requirements for the borrower when obtaining such a loan:

1. He must be between twenty-one and sixty-eight years of age.
2. Work experience in the last position must be at least three months.
3. The user must be registered in one of the regions where the bank branch is located.

1. Large families are offered a loan "Preferential".

This offer is relevant for borrowers who are married and have more than three children.

• The conditions are the same as in a great cash loan.
• The interest rate depends on the term for which the client took the loan.
• If the user has taken a loan for a period of one to twelve months (with a guarantor), then the interest rate will be ten percent.
• A client who has taken a loan for a period of thirteen to twenty-four months is offered a rate of fifteen percent.
• If the user took a loan for a period of twenty-five to sixty months, the rate will increase to nineteen percent.
• When taking a loan without a guarantor for up to twelve months, the rate will be fourteen percent.
• If the user has taken a loan without a guarantor for up to twenty-four months, the rate will be eighteen percent.
• When taking a loan for up to sixty months, the rate increases to twenty-three percent.

2. Express loan.

Those who urgently need money, for example, for treatment or vacation, are offered this type of loan.

To apply for it, you only need a passport. Bank employees will make a decision within a few hours.

The only drawback of such a loan is a high overpayment of up to seventeen percent.

The terms of the loan are as follows:

• Such a loan is issued in rubles.
• A loan can be taken in the amount of fifty thousand rubles.
• The maximum amount of such a loan is fifty thousand rubles.
• In case of early repayment, no commission is charged from the user.
• The maximum loan term is five years.

Important! When users take a loan for up to twelve months, the rate will be from seventeen to thirty percent.

When taking a loan for sixty months, the rate ranges from twenty-five to thirty-five percent.

Applying for a loan online

Those who are used to applying for banking services online should use our service.

Here are the main advantages of filing a remote application:

1. You can apply online for a loan in various ways.

2. Customers can review the decision on request one day after submitting the application, which helps to save a lot of time in case of refusal.

3. The user saves a lot of time and money.

4. You can apply online anytime, anywhere. To fill out the questionnaire, you only need a passport and an internet connection.

OTP Bank loan repayment

In addition to repaying loans through the terminal, there are several payment methods:

1. You can pay the loan on the official website using bank card. Money will be credited in a day. The commission amount is two percent.
2. You can also repay the loan through a QIWI wallet. The commission is one and a half percent.
3. You can pay off the loan in retail chains that are partners of the Golden Crown. Money is credited instantly, and the commission is one percent.
4. Another way to repay a loan is online wallet Eleksnet. The commission will be one and a half percent.
5. You can also transfer money from the account of one of the MTS mobile numbers, the Commission is two and a half percent.
6. Alternatively, repay the loan from the Yandex money e-wallet. Specify the size of the commission when paying.
7. You can pay off the loan with payment system Cyberplat. The commission is one and a half percent. Money is credited in one day.
8. You can also pay the loan in MegaFon salons. Payment arrives in a few days. The commission is one percent.

Important! You can also negotiate with your employer and ask for an automatic payment from the accounting department to repay the loan.

How to find out your loan balance

Here are a few ways to check your loan balances:

1. So, to identify the balance on loans through an online bank, go to your account on the official page and enter the password issued after the conclusion of the loan agreement. There is no charge for this service.

2. You can also download a special application for mobile phone.

This service is similar electronic bank. When working with this add-on, use the same password as when working with online banking.

In the absence of the Internet, use the SMS-banking service.

Thanks to this service, you can quickly get the necessary information on loans: just send an SMS with the word "loan".

3. You can check the balance of the loan by contacting the help desk staff - to do this, call 0707.

For subscribers of Russian mobile operators, such a call is completely free. This service is around the clock.

Important! Also, information on debt is provided in one of the bank branches.

Finding out where the nearest bank is located is very simple: go to the official page, select your city and click on "bank branches". As a result, the client will see a map showing the nearest bank branches.

What are the current loan offers?

Here are the current offers from this bank.

1. So, you can take a loan under the Express scheme.

Under such a program, the user does not require material support.

The application is considered within a few days. There are no fees or commissions, and there is no cost control.

The minimum bet is thirty-five percent and the maximum is sixty-four percent.

Such a loan can be taken in the amount of fifteen thousand rubles. To get a cash loan under the express scheme, it is not necessary to present a certificate of income received.

2. Cash loan with complete package documentation.

The annual rate is at least twenty-three rubles. You can take such a loan in the amount of forty thousand Russian rubles.

To get a loan, be sure to provide a certificate of salary.

Important! You can apply for a loan according to a similar scheme for employees and pensioners over twenty-one years old.

However, the user must be at least sixty-five years old by the loan repayment date.

The length of service must be longer than the probationary period, that is, at least three months must be worked at the last workplace.

So, getting a loan from OTP Bank is very simple. To do this, provide Required documents to apply for a loan and follow the guidelines given in this article.

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. the federal law dated July 27, 2006 N 152-FZ "On Personal Data" is not violated.

In short, who came here for the first time - I got into MMM by investing credit money taken from OTP and Privatbank banks.

No need for moralizing! But this blog would not exist. In addition, I received pills from the freebie virus, and they are only paid ...

The pyramid collapsed. At first I paid money on loans, but then it became completely unbearable. And I stopped paying. I realized that this can and should be done correctly, according to the law. What I blog about.

So, EOS collectors bought my debt (a little over 100 thousand) from the OTP bank. Now I "butt" with them.

There is a loan - no contract?

Now on the agenda - as I understand it, there is no agreement on a card loan, and I still have not received it. I asked collectors over the phone to provide me with an agreement under which I took this loan. They sent me to the bank. I asked the bank - the bank told me that all documents were handed over to collectors.

Do I want so much? In my opinion, a loan begins with a contract, like identification of a person with a passport.

I finally got through to the Rostov office of OTP Bank, by phone. +78632558112, where the operator clarified something, although the girl was pretty confused about the “agreements”, and all the time she turned to her senior colleague for consulting:

Audio: Adobe Flash Player (version 9 or higher) is required to play this audio. Download the latest version. Also, JavaScript must be enabled in your browser.

That is, consumer credit and a card loan are different contracts, but a card loan, as it were, is included in a consumer one ... Something like that.

How do I get a copy of the loan agreement

Okay, I went to the DNS store and without any problems they printed out the contract that I had. There were no others. Here he is.

Immediately I ask you to pay attention - the number of the contract under which I do not pay - ** 0652 , see previous articles. Under the same contract, collectors are making claims to me.

When asked to give me a contract (everything, but preferably the last one, or some one), they give contract No. ** 3030 .

That is, they are different contracts. It turns out, and different loans?

The OTP Bank 3030 agreement was printed out in the store_1

I would like to remind you once again that until 19.03.2012 I paid off this loan in full. As a result, I became a very good client, they sent me a card, and off we go.

A red frame circles a place that will be important in the future narrative. - my consent to the transfer of data to third parties is nowhere to be found!

Contract 3030 printed in the store_5. Insurance

Total, 5 pages.

Old version of the contract. Differences

Then, when I came home, I decided to look for this contract, and found it in old papers. I received and signed this contract on September 17, 2012. Isn't it true that the contract and its copy should be the same? However, let's take a closer look.

So far everything seems to match.

But what is recommended to read carefully when signing the contract. Important highlighted.

The text in the red frame has changed significantly, I will give it in a more readable form:

4) I agree:

1) for the Bank to process my personal data(any information relating to me. including surname, name, patronymic, year, month, date and place of birth, address, family, social, property status, education, profession, income, health status, criminal or administrative liability ), including their transfer to other organizations, for the purpose of opening and maintaining a Bank account, issuing and servicing a Card, providing an overdraft, concluding, executing (including collecting debts) a bank account agreement, an agreement on issuing and servicing a Card, a credit ( s) contract(s). RBS Agreements, other agreements concluded in accordance with the procedure and conditions contained in the RBS Rules, as well as in order to promote the services of the Bank and other organizations to me, including through direct contacts with me using communication means; to transfer my personal data to insurance organizations for the purpose of acquiring insurance services by me, concluding and executing relevant insurance contracts,

2) to the processing of my personal data by other organizations for the above purposes,

3) for the Bank to make decisions based solely on automated processing of my personal data, the Bank and other organizations have the right to carry out the following actions with personal data - collection, systematization, accumulation, storage, clarification (updating, change), use, distribution (including transfer) , depersonalization,
blocking, destruction of personal data Consent to the processing of personal data is given from the date of signing this Application and is valid for the duration of the RB Agreement (other agreements concluded in accordance with the RB Rules), the agreement for issuing and servicing the Card, as well as for 10 years after termination
of these agreements, or until the Bank refuses to accept this Application. I am aware of my right to withdraw consent by submitting a written application to the Bank

I agree that all disputes arising out of or in connection with contracts entered into pursuant to this Statement (except as provided in
legislation on the protection of consumer rights): 1) if they are under the jurisdiction of the court general jurisdiction. in the event of disputes over the amount referred to the competence of the federal
district court are subject to consideration in the Golovinsky district court of the city of Moscow, 2) if they are under the jurisdiction of a court of general jurisdiction, in the event of disputes for the amount attributed to the competence of the justice of the peace, they are subject to consideration in the judicial district No. 76 of the Voikovsky district of the city of Moscow
I also agree that the Bank may use the debt collection procedure in order to issue a court order.

Attention! All images shown in this article and on this blog are imitation, computer graphics, downloaded from other Internet sites, and cannot be used for any purpose other than for reference and for example!

Then there were a couple of sheets regarding the cost of the loan. I didn't find any information about credit cards either.

"Agreement" on the OTP loan received from the bank

The third version of the contract.

I did not give up hope to get to the bottom of the truth, and wrote a statement demanding to provide an agreement on loan 0652. Here is what they gave me at the bank:

That is, the manager, Mr. Chachkin, is aware that contract 0652 exists. But I'll be a bore: WHERE IS HE?

Through the mouth of a bore

We're glad we helped you make your purchase! We remind you that the credit for the goods is provided by the bank, and not by the outlet, so for all questions you will need to contact OTP Bank directly.

For your convenience, we have collected answers to the main questions that arise when using a consumer loan. For payment methods, see the "Repayment" section. OTP loans Jar"

How do I return or exchange a credit item?

If you would like to exchange or return an item purchased with loan funds:

• Contact the store where you purchased the goods with your passport and documents issued to you when applying for a loan.
• Let the sales staff know that you want to return or exchange the item.
• Then contact the representative of OTP Bank in the store, and he will advise you on all issues

There is no bank office in my city. Where to go if you have questions?

If there is no credit and cash office in your city, for any questions you may have, you can contact the representative of OTP Bank in the store where you purchased the goods, or by calling the bank's contact center: by short number: 0707 (free of charge from mobile numbers Beeline, Megafon, MTS, Tele2). Financial information (date and amount of payment, account balance, last payment date, etc.) can be viewed in OTPdirect internet bank.

How to repay a consumer loan in full ahead of schedule?

• Specify the amount for full repayment in the bank's reference service by phone 8-800-200-70-05.
• Fully pay into your account the entire amount for early repayment.
• On the next payment date, your loan will be repaid. You do not need to come to the store or the Bank's credit and cash office or write an application.
• In order to be sure that the loan is fully repaid in the end, be sure to call the Bank's contact center again to clarify information about the complete closing of your loan, or look it up in the OTPdirect Internet bank, which is provided to all customers free of charge.
• Be careful, pay the full amount for early repayment in advance so that the funds arrive in your account on time (for example, if you pay for a loan through the Russian Post, it is necessary to deposit funds 10 days before the next loan repayment date indicated in the payment schedule).

Non-targeted loan. If you received a cash loan at a bank branch.

We hope that with our loan you will be able to fulfill your plans. Below you will find all the information you need to pay off loans.

Can I repay the loan in another branch of the bank?

Yes, you can make loan payments at any branch of OTP Bank in Russia through a cash desk (you will need a passport) or a self-service terminal (you need to know your details specified in the loan agreement).

Are there incentive programs for borrowers with a good credit history?

Yes, customers with a positive credit history can get a loan on more favorable terms. We offer a loan "Own People" with a reduced interest rate for borrowers who made previous payments without delay.

How to pay off the loan ahead of schedule?

You can repay the loan early in full or in part. To do this, you need to write a corresponding application at the OTP Bank branch, and then deposit funds to repay the loan in a convenient way for you. In case of partial early repayment, you will be provided with a new payment schedule.

Repayment of consumer and general purpose loans of OTP Bank

Where can I see the amount owed and the due date?

The amount of debt, date and amount of payment can be found in several ways:

	REQ: find out your details

How not to get late?

Repay the loan on time in accordance with the payment schedule so as not to fall into delay and avoid a fine. It is better to make payments in advance so that they have time to arrive in your bank account.

Your reliable assistant in paying off the loan will be the free OTPcredit mobile application, which can be downloaded to your smartphone or tablet. The application will remind you of the date and amount of the loan payment.

What happens if you miss a loan payment?

If a loan payment is missed, the Bank charges a fine. In addition, late payment will negatively affect your credit history. To avoid such situations, deposit funds in advance. If you have any problems with the loan repayment, be sure to inform the Bank about it. OTP Bank meets the needs of its borrowers who find themselves in a difficult life situation. In case of deterioration financial position You can restructure your debt. Restructuring involves reducing the monthly payment or suspending the repayment of the loan for a certain period with an increase in the term for the final repayment of the loan.

What if I can't pay on time?

For those who have issued a loan at the branch, the service of transferring the payment date is provided. If it becomes inconvenient for you to make payments in accordance with the established schedule, you can write an application to the Bank to establish a new payment schedule, and in case of a positive response, repay the loan on the days that are convenient for you.

If you have any problems with the loan repayment, be sure to notify the Bank yourself. Bank staff will discuss all possible options with you.

What should I do if I have lost my details?

Find out your details using our services.

	Internet bank "OTPdirect" When signing the loan agreement, you received a username and password. Log in to the Internet Bank by entering them in the appropriate fields.
	Mobile bank"OTPdirect" When signing the loan agreement, you received a username and password. Log in to the Internet bank by entering them in the appropriate fields. Install the free application on your smartphone or tablet (login and password, as in the Internet bank). Available on the App Store and Google Play.
	Application for borrowers "OTPcredit" Free application for customers who have taken out a loan. Authorization - by mobile phone number. Available on the App Store and Google Play.
	SMS bank Send an SMS message with the text of the command to the short number 5927: REQ: find out your details CREDIT: find out the amount and date of payment, the balance of the debt HELP: get a list of additional commands (SMS notification service must be activated in advance)
	Bank Help Desk Free round the clock numbers: 8-800-100-55-55 (cash loans); 8-800-200-70-05 (loans issued in stores)
	Department of OTP Jar Your passport is required for information.

The payment was made, but the money did not come to the Bank?

An error was made in the recipient's details.

If you find an error in your details, you need to contact the nearest office of OTP Bank with your passport and all documents confirming the fact of payment. At the bank, you need to write a free-form application with a request to transfer money to the correct current account.