How to terminate a loan agreement with a Russian standard bank. Loan from a Russian standard bank Agreement for a Russian standard bank
I am duplicating from my LiveJournal to this community.
Part 1.
Yesterday (03/15/2011) I came to Russian Standard Bank to completely close the loan. They named the amount, paid in full before 18:00, with the recommendation of the employees to pay at the cashier before 19:30 or at an ATM before 19:00. Looks like I made it. Everything down to the penny. There is one thing - the bank employee said that she could only verbally state the loan amount, and would not give a statement because it had not yet been generated. He listened, wrote it down, asked again, checked - he wrote everything down correctly.
I paid and came up to say that I wanted to close the credit card agreement. They said that the application can be written the next day after the entire debt is repaid. I came today (03/16/2011) late in the evening to the Naberezhnye Chelny branch of the bank. I filled out an application for termination of the contract - they said that it would be terminated in two months. Technical procedures and all that. I believed him, because I don’t understand anything about the intricacies of banking. But!!! There was only one application for termination of the credit card service agreement. They gave me a copy, and not of the best quality, which they flatly refused to certify with any seal of the bank. Yeah, fun... I sensed something was wrong. I came to the office, called their toll-free number 8-800-200-6-200 and wow, the operator with a sweet voice said - never mind, the loan is not closed yet. I still owe 5 rubles 24 kopecks and about 5 kopecks drip out every day.
The amount is ridiculous as such, but I was asked to come to the bank in a little over two months to “find out that the contract has definitely been terminated.” Knowing Russian Standard, I can say with confidence that in these two months they will accrue interest on me and issue a couple of missed payments. If I hadn’t called and scored, they would have called a year later with an offer to repay the amount of thousands in 10-20-50, I don’t know how many fines they have now for regular absences.
After communicating with the operator on the toll-free number, I wrote them a small complaint on about three sheets of paper, which politely asks them to look into what happened (you can’t waste experience =)). Plus I scraped together 5 rubles 24 kopecks + 5 kopecks for tomorrow from a pile of coins on the table. Tomorrow I'm going to communicate with them again.
If their employees/friends read me, tell them to prepare some Vaseline)))
I’ll write about the continuation of the story when I return from the bank.
Part 2.
I continue my heroic epic)))
I'm coming to the Russian Standard bank today. I pretend to be a log. I'm asking for the loan balance again. They voice 5.25 rubles. I open the cards and show the claim. They refuse to accept my option. They ask you to write on the bank's letterhead. But there is not a complaint written there, but a statement!!! I am writing, at the same time sending the refused operator or whatever her position is actually to the authorities to ask permission to accept my option, as an alternative, I suggest they take part in the court, where I will be the plaintiff. A minute later, someone agrees to accept my version of the claim. I tear up the half-written version on their letterhead and give it to them. They take my claim. They are trying to persuade me to leave the “Bank in my Pocket” package, the termination of which I have already submitted. I'm in denial. They are grieving. I pay 5.50 rubles at the cash register. Tomorrow I’m going to fill out an application to issue me a certificate of debt to the bank. Today I wrote a statement about the absence of debt under the Bank in my Pocket pact. It's fucked up... IMHO - the worst bank in terms of attitude towards clients.
Part 3.
About 2 days ago they called me from Russian Standard Bank and said that the certificate for my request was ready. Only today, March 25, 2011, did I reach it. They gave me a certificate. For the "Bank in your pocket" package, they didn't give it for a credit card. And again they began to insist that I MUST write any statement ONLY on their company bank. When I arrived from the branch of Russian Standard Bank, I called their hotline 8-800-200-6-200 and spoke with the operator. As a result of the conversation, the results are as follows: the bank owes zero rubles, zero kopecks; Russian Standard Bank is investigating the claim dated March 17, 2011. Although, according to the Law “On the Protection of Consumer Rights” (Article 31), they have 10 days to respond to it, it turns out that they have less and less time.
Observation while I stood there. A lot of people come to terminate credit card agreements. And they only tell everyone the full amount of the debt and never print it out or write it by hand (in their own hand) by bank employees. And next to the amount they write the contract number and something else... Just like in my situation. And as a result, I almost ended up owing the bank five rubles and some change. Very similar to mass misrepresentation. Very much, although I will be glad if this is not the case.
I'm looking forward to further development, oh, how I'm looking forward to it. Especially the response to the complaint.
As soon as there is news there will be a new post. Who has encountered Russian Standard Bank in similar situations - tell us what you did and how? Really curious.
Advice from lawyers:
1. Russian Standard Bank calls regarding a loan using telephone numbers not specified in the agreement. Is it possible to write a complaint to the SSP or the prosecutor's office or to the court.
1.1. You can write a complaint to the prosecutor's office or to the branch of the Central Bank in the region that the bank is violating the law on personal data.
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1.2. You should contact the prosecutor's office with a complaint about illegal actions. Please submit your complaint in any form. Must respond within one month. Article 10 of the Law on the Prosecutor's Office.
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1.3. Dear visitor!
Of course, you can file a complaint with the prosecutor’s office in this case.
All the best, I wish you good luck in resolving your issue!
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2. My daughter, she is 22 years old, has a lot of loans and cannot pay. Can she file for bankruptcy? One large loan from the Post Bank, 1 Tinkov credit card, 1 Russian standard credit card, 1 Halva card, and 2 credit cards Alfabank, but according to Alfabank they already want to take the contract to the court to pay in full. total amount debts are closer to a million.
2.1. If the delay is more than three months, then maybe. The procedure is also judicial (arbitration), but the sooner you start, the faster everything will go.
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2.2. It can do all this, but it also costs money.
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3. The store offered to buy the goods in installments, took a scan of the passport and a photo to form an application for consumer loan at Russian Standard Bank. I was not satisfied with the terms of the contract and did not sign the contract. I bought the goods in cash. The bank called and said that the application was cancelled. Is this situation safe for me? How can I protect myself from the illegal use of my personal and biometric data by bank or store employees?
3.1. Tatyana, theoretically, you can protect yourself by picking up copies of your passport from the store and bank.
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4. I took out a phone on credit in 2007 through Russian Standard Bank. Didn't pay. A decision came in the form of a court order from the magistrate to collect the debt from me on the basis of agreement No. in favor of a completely different organization, Sirius - Trade. It was proposed to submit objections within 10 days. What can I do in this case? Term limitation period does it work in this case? And which? Which article should I refer to? Thank you.
4.1. In this case, is it necessary to urgently cancel the order if the deadline for receiving it has not been missed?
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4.2. You need to cancel the court order to avoid seizure of your accounts. Once an objection is raised, the judge will overturn the order.
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5. In 2013, my mother took out a loan from Russian Standard, where the agreement also included a request to issue a card. She received money from the card in June 2013. And in August 2013, she found out that she had cancer, she had surgery, and she received the second group. We notified the bank and she stopped paying the loan. She died in 2016. We received an inheritance of 20,000 rubles. In 2019, the bank sued me, as an heir, so that I would pay the debt in the amount of the inheritance. Hasn't the statute of limitations passed?
5.1. In general, the statute of limitations of three years begins to run from the date of entry into the inheritance - Article 1175 of the Civil Code of the Russian Federation.
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6. Yes, hello. Tell me how to do it correctly? I want to terminate the Russian Standard consumer loan insurance contract. At the bank they began to manipulate me, that if I terminate the contract, the bank would raise me interest rate or even ask to return the loan. So what should I do?
I don't want to pay extra money for insurance.
6.1. If you did not miss the cooling period (14 days from the date of concluding the insurance contract), then there should be no consequences, BUT to answer for sure you need to carefully read your loan agreement!
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6.2. The bank has no right to increase the interest rate or ask to repay the loan in full. This is illegal. Be sure to submit an application for termination of the insurance contract. Keep a copy of the application with a note from the insurer indicating receipt of the application within 14 days from the date of conclusion of the loan agreement. The application is sent to the insurer.
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7. I received a court order to repay the debt to the Russian Standard bank. I was not notified about the trial and the bank did not inform me about the debt. The last time I paid off my loan was in 2014. They want to collect the amount for the period of the loan agreement from 04/21/2006 to 08/21/2015. Can I not pay off the entire amount of debt at once?
7.1. Isn’t it easier to cancel the court order, and if the creditor applies for collection through a lawsuit, ask to dismiss the claim due to the statute of limitations?
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8. Lost the credit agreement on the card. The trial was scheduled for September 12 at our request to Russian Standard Bank.. the court order was canceled and we want our money back. Which the bailiff managed to remove and send to the bank. We petition that the statute of limitations for the claim has passed a long time ago, but for some reason the bank is demanding money from us from 2003 to 2011. I don’t understand why there is such a period? Credit. Did you pay for 4 years and then stopped? What should we do... what should we tell the judge? Thank you.
8.1. If you need a loan agreement, you can obtain a certified copy of the agreement from the bank. If you need a well-developed strategy in order to participate in the process, then you need to contact the lawyer you like personally, since this service is provided on a paid basis.
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8.2. First, you need to declare the court’s application of the consequences of the expiration of the statute of limitations. If for some reason the judge does not satisfy, then petition to request from the plaintiff the originals of the loan agreement, the primary accounting documents on the basis of which the accounting is kept. records confirming the transfer Money, an agreement to open a bank account to which funds were allegedly transferred, the bank balance on the day the loan was issued. An account statement and debt calculation without a “primary” document are just pieces of paper and are not proof. Copies of documents in the absence of their originals are also not evidence. That's it in short. If you do everything right, then you will be happy. I am not urging you not to pay, but simply explaining your rights.
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9. In 2014 there was a trial with the Russian Standard, the decision was in favor of the bank. Four years have passed and the bank has not submitted the decision to the bailiffs for collection. The bank has now filed an application for an order with the court. The court rejected the order. But they warned me that the bank would submit again because... the contract has not been terminated. The loan card expired in 2017. What needs to be done so that they no longer bother me, I am a pensioner and disabled person for 3 years indefinitely.
9.1. Termination of the contract in unilaterally Unfortunately, in your case it is impossible, the statute of limitations for delays has passed; you have nothing to worry about; the statute of limitations begins to run from the date of the LAST payment by card; it is now impossible to collect from you.
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10. My name is Natalya. I received a letter notifying me that Credit Inkaso Rus LLC filed a lawsuit against me to collect a debt of 70,000. The agreement was drawn up on 07/03/2012. The debt arose from October 16, 2014 to March 23, 2018. Under a loan agreement with Russian Standard Bank.
10.1. If you really went to court, then you must definitely appear in court and declare that the statute of limitations has passed if the last payment on the loan was more than three years ago. If this is not done, the court will recover this money from you.
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11. We took out a loan on a Russian Standard card, without an agreement, in 2003 we stopped paying because the debt did not decrease, until 2018 we transferred the debt to collectors twice, they demanded 75,000, this year it came judgment, funds were written off from the Sberbank card in favor of the bank, the debt was the same, they sent a protest to the court, the judge overturned the bank’s decision, the money continued to be withdrawn. The bailiffs do not have a decision to seize the account. Who to contact, and is there a statute of limitations on this loan?
11.2. Based on the content of the question, the debt was collected through writ proceedings and executive document sent to OSP.
If the OSP has not received a ruling to cancel the court order, contact the precinct of the Justice of the Peace who issued it to obtain a copy and present it to the OSP yourself.
The general statute of limitations is 3 years, calculated separately for each payment.
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11.3. The statute of limitations is 3 years, i.e. if the bank has not applied to the court to collect funds from the date on which you were obliged to repay the loan, then the bank (if you claim that the deadline has been missed) loses its rights to collect the debt.
In addition, you have the right to return your debited money. Write your situation in more detail.
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12. Need help with a loan. In 2015, we re-issued a loan agreement with Russian Standard. We paid all checks in hand without delay. From October to December 2017 they did not pay; in January they began to pay off the debt again. After 3 months, the bank called with a threat of arrest if the entire amount was not repaid within 10 days. We want to go to court to pay without interest fixed amount. Because Otherwise, you won’t be able to settle on good terms with this bank.
12.1. Anastasia, if you made late payments from October to December 2017, then formally the bank has the right to demand from you early repayment the entire loan amount. Of course, interest in this case can be accrued only until the day of actual repayment (before repayment, the payment amount is calculated separately). On this issue I do not see a topic for legal dispute.
It’s another matter if in 2015 you took new loan to repay debt on an old loan, and three years have not yet passed since the “refinancing”, you have the right to judicial procedure raise the issue of unjust enrichment of the bank at your expense - inclusion of an excessive penalty on the first loan in the repayment amount, etc.
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13. My husband took out a loan from a Russian standard bank, transferred the money to the account specified in the agreement at the required time, the bank called and said that the money had not arrived. As a result, they talk about charging him a percentage, plus his credit history is ruined, what should I do?
13.1. I think it would be right to get rid of it altogether of this loan, not bankruptcy. I'm ready to help in this matter. There is positive judicial practice.
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13.2. If a violation of the terms of the loan agreement occurred through no fault of the loan payer, then interest may not be paid, or interest already paid may be returned, and it is also possible to restore the credit history. This can also be done in court. In general, you need to look at the terms of the loan agreement.
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Consultation on your issue
Calls from landlines and mobiles are free throughout Russia
14. I bought a subscription to a beauty salon (massage services, masks, weight loss program), ON CREDIT (Russian Standard Bank), went for four procedures, and now I have moved to another city; this salon is not in this city. I don't pay the loan. Can I somehow get my money back for not visiting this salon, if so, how? I would then return this money to the bank. .The contract with the salon was lost, help!
14.1. In this case, a claim is submitted to the salon and the service contract is terminated. The salon must transfer the money to the bank. So file a claim. If a lawsuit does not help.
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14.2. You have the right, based on Art. 32 of the Law of the Russian Federation "On the Protection of Consumer Rights" refuse to fulfill the contract with the salon for the provision of services and demand the return of funds paid for services. Send an application to cancel the contract to the salon.
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15. In April last year, an agreement was concluded with Beauty Time for the provision of services through the Russian Standard bank, but since I live in another city, I did not receive the service, I was going to do this on vacation when I was in Volgograd. Is it possible to get the money back, because I paid the loan for a year, but the service was not provided?
15.1. Yes it is possible. It is necessary to terminate the service agreement and the loan agreement one by one. A more detailed consultation is possible at a personal appointment.
Sincerely, Lawyer in Volgograd - Stepanov Vadim Igorevich.
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16. The consumer loan was issued at Russian Standard Bank a very long time ago. Several payments were made, then 2 missed payments due to financial reasons, and then the bank was closed. A few years later, letters and calls began to arrive. Were from different collection agencies. Today, only one agency, KEF LLC, writes and calls. The whole point is that I don’t have any documents from the bank at all: no loan agreement, nothing. What is the right thing to do in this situation?
16.1. You don’t have to worry, and if anything happens, you should stop communicating with debt collectors. If you can't pay, don't pay. Let them sue, and in court you will declare that the statute of limitations has expired.
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16.2. A very long time ago - how many years ago? If more than three years, then you can ignore all callers, since the statute of limitations on this case has expired. Get rid of it correctly credit debt and the loan agreement itself A financial lawyer can help.
Sincerely, financial lawyer – Stepanov Vadim Igorevich.
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17. I received a court order for a loan from Russian Standard Bank, the date of the loan agreement is December 19. 2006. I paid off the loan many years ago, but of course there were no receipts left, and now a court order comes to collect the debt, what should I do?
17.1. you have ten days from the date of receipt of a copy of the court order to file objections to the execution of the court order.
Good luck and all the best
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17.2. Submit to the court that issued the court order an application to cancel the court order within 10 days from the date of receipt.
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17.3. Objections urgently need to be prepared. . It is written in free form, outlining and explaining the circumstances of the case. From whom, your address and telephone number, to whom (full name or name of organization, position), what, where, when, what you are asking for or what you want to know... Date, signature.
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17.4. You must file an objection within 10 days from receiving a copy of the order, and then the judge will cancel the order. In an objection, it is enough to express disagreement with the order.
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18. How to repay a loan in full early in the “Russian standard”? This is not stated in the contract. There is no bank office in our city. Contact only by phone. What should I do?
18.1. So call them by phone, they will explain the repayment procedure to you. The call is free. There is no point in deceiving the bank on this issue.
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19. Russian Standard Bank unilaterally increased the interest on the loan (according to the agreement 28%, increased to 36%, motivation - the Central Bank rate increased), then, at my request, returned the interest rate as in the agreement (28%), and the funds overpaid for the time when the invoice was paid minimum payment at a rate of 36% - refuses to return - writes: the bank has no grounds for recalculation. Is this legal?
19.1. These actions are illegal, so you have the right to seek protection of your violated rights in court.
Good luck and all the best
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19.2. Refusal is illegal and you have every right to file a lawsuit against the bank. Good luck and all the best.
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20. Stopped paying payments on the Russian Standard Bank loan in full, but at the same time deposited into the loan agreement account an amount less than the payment. After 2 years, the bank sued, allegedly I didn’t pay at all for two years. What can be done in this situation?
20.1. Good day
According to the norms current legislation RF, you underpaid, and therefore you have debts, and rather large ones.
Write a review, make a counter-race
Good luck to you in resolving your issue.
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20.2. If a court order is issued, cancel it with a simple statement. In court you can reduce interest and fines in accordance with Article 333 Civil Code. After opening enforcement proceedings, apply for installment plans and deferred payments. Also, in court, provide all the evidence that you contributed at least some money.
Best wishes to you!
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20.3. Get an account statement from the bank for the period during which you made loan payments. Provide this statement to the court as proof of payments. Apply for a reduction in the amount of the penalty in accordance with Art. 333 Civil Code of the Russian Federation. All the best to you!
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21. I have a question with Russian Standard Bank. I have two bank cards. One for the amount of 30,000, the other for the amount of 50,000. Since 2009, I have been paying and the amount has not decreased. I looked at the contract and it also stated loan insurance. I wrote an application to the bank to terminate the insurance, they accepted the application but no action was taken. They imposed insurance. You can somehow resolve the issue with the insurance and return the money for it against the loan payment.
21.1. Olga. After you receive a written refusal from the bank, you have the right to go to court with a claim to terminate the insurance contract and return the funds. However, if the contract was concluded in 2009, 8 years later, achieving satisfaction of your requirements will not be easy, and in some cases almost impossible. Arbitrage practice in the regions Russian Federation completely different.. If you had applied, say, within 3 years from the date of conclusion of the contract, the chances of defending your rights would have been much greater..
Everything will depend on the evidence base that you present to the court.
All the best to you!
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22. I took out a loan from Russian Standard and paid on time for about a year, then problems arose with work. Half a year later I went to pay with my card and the ATM ate it. Where the bank was located there is already another bank, the contract was lost, and now they call me and write SMS from the company of trust and guarantee, they want the whole amount at once, they offered it in parts, they refuse.
What should I do?
And does this really affect your credit history? Can they issue a loan from another bank?
22.1. Don't pay attention to debt collectors. Send it to court. You didn't take anything from them. In case of delay, the bank submits information about this to the credit history bureau. In each specific case, the bank decides whether to give a loan or not. Sometimes they give out loans with bad credit history. It’s better, of course, not to take out loans at all. This is such bondage. All the best and good luck in resolving your situation successfully.
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23. I have a loan in the Russian standard, I pay regularly. But I lost the contract, I came to the bank to ask for a copy of the contract, but they refused me rightfully? Why did I ask for a copy, I have doubts that I am already overpaying. THANK YOU.
23.1. Marina, good afternoon. You can try to refer to Article 14.8 of the Code of Administrative Offenses of the Russian Federation:
Violation of other consumer rights
1. Violation of the consumer’s right to receive necessary and reliable information about the product (work, service) being sold, about the manufacturer, about the seller, about the performer and about the mode of their work -
entails a warning or imposition administrative fine for officials in the amount of five hundred to one thousand rubles; on legal entities- from five thousand to ten thousand rubles.
Or Art. 14 Federal Law "On Personal Data":
The personal data subject has the right to receive the information specified in Part 7 of this article, except for the cases provided for in Part 8 of this article. The subject of personal data has the right to demand from the operator clarification of his personal data, blocking or destruction of it if the personal data is incomplete, outdated, inaccurate, illegally obtained or is not necessary for the stated purpose of processing, as well as take measures provided by law to protect his rights .
It is best to apply in writing. If they refuse (also in writing), you can go to court.
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24. There is a court decision on the payment of debt under the Russian Standard loan agreement dated 2014. In 2015, the bank sold the debt to Credit Collection Rus LLC. How to stop the execution. Proceedings based on a court decision.
24.1. Marina
Enforcement proceedings cannot be stopped on this basis.
In accordance with Art. 52 Federal Law “On Enforcement Proceedings” In case of retirement of one of the parties to enforcement proceedings (death of a citizen, reorganization of an organization, assignment of a claim, transfer of a debt) bailiff replaces this party of enforcement proceedings with its legal successor.
Sincerely, Natalia Agapitova.
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24.2. If you have reasonable grounds to believe that such an agreement has been concluded, you need to take a certificate from the Russian Standard bank stating that you are no longer a debtor of this bank and also submit an application to replace the party to the obligation. But this is usually done by the collector himself for the bailiff to complete For this enforcement proceeding, a certificate from the bank is sufficient stating that it has no further claims against you as the debtor in connection with the agreement on the assignment of the right of claim.
A few years ago I got into a funny story with the Russian Standard bank. At the same time, at the peak of emotions, I wrote a devastating article on one of the banking portals. Now, in a more dimensional state of thought, I will retell my story again...
In still immemorial years, a trip abroad turned up for me. And then, as always, out of the blue, a problem arose - my old camera was dead, completely dead... Of course, all available funds had already been transferred to green non-Ukrainian rubles and were needed elsewhere. And I’m not rich enough to buy cheap disposable equipment. So I decided, without burdening myself with unnecessary headaches, to take a new camera on credit. I chose a rather expensive DSLR. The calculation was this: I’ll come back, put my financial affairs in order and pay off the bank in a few months. From several tables with bright signs, I chose “Russian Standard” - this is not the first time I’ve taken out a loan, I know that their interest rates are rather high, but I’m satisfied with the non-tiring registration procedure and the absence of the need to collect all sorts of certificates. And before this incident, there were no problems with this bank, fortunately I always pay on time.
There’s a pretty nice girl at the table, she quickly makes the calculation, I agree, I go to the seller, fill out all the paperwork, come back... And here it begins - sign this, this... A bunch of information on a credit card that I don’t need for nothing and use I'm not going to her. I tell the girl about this, to which she states that this is how it’s supposed to be and it doesn’t oblige me to anything unless I activate it myself... I don’t argue, I sign... Papers, papers... I say, you don’t need insurance. A girl with a sweet smile: “Oh, I’ve already arranged everything! But don’t worry - it’s only 170 rubles a month! The bank additionally insures its risks.” Okay, go ahead, the amount is not critical - time is more expensive today. In addition, standing behind her was a woman at that “wonderful” age when everything irritates, and she kept nagging - why is this girl (that is, my person) taking so long, why is she reading everything, asking everything... Finally, the documents arrive in your hands (by the way, already signed by me) - it pops up in the chart monthly amount payment is greater than previously stated. To my question: “Why?”, the girl with a sweet smile: “Oh, sorry, I counted incorrectly then!” I'm already shaking a little, but... to hell with you, I don't have time to bother with other loans.
In the evening, at home, in a calm atmosphere, I finally sit down to study the documents and... my hair stands on end... Some authorization amount or activation amount pops up (I don’t remember now), which increases the cost of the product by an order of magnitude and they are already being charged for it interest, and for some reason this overpayment is not considered an overpayment. And, based on this, repaying the loan amount ahead of schedule becomes completely unprofitable, since you don’t gain anything in this situation. If I had planned to repay this loan steadily, I might not have started rocking the boat, but I wanted to repay it in a maximum of three months and this state of affairs, of course, did not satisfy me.
I'm starting to attack the RS hotline. Long, nervously, to no avail - NOBODY could explain what this amount was and where it came from. The only “intelligible” answer is “this is the amount that the bank is ready to lend you.” The answer to the question “Why do I need this amount?” it remained a secret behind seven seals. This state of affairs, of course, did not suit me, and I continued to “torture” the consultants the next morning. In the morning the answer was received (it seems that they had already been instructed in the past hours) - it turned out to be the same insurance, but for some reason it is accrued immediately for all months of the loan, added to the cost of the goods and interest is already accrued on it. That is, the insurance amount is also added credit interest and the amount turns out to be downright brutal. And if the loan is repaid early deadline, then you still pay the insurance for the entire loan term. What does this insurance give me if I no longer owe the bank anything, because the money from the insurance, if something happens, is received by the bank? IMHO, pure fraud.
In general, call hotline The Russian Standard is a separate song - I almost “squeaked” with delight. You get through quickly, they connect for a long time – you spend about four minutes listening to all sorts of crap about new services, etc. and so on. With such a service it is clear - people are busy, lines are overloaded. Good thing the call is free. They connect... They immediately ask for the contract number, then your full name, address, and all sorts of other questions... At first, nothing, but when you call the fifth or tenth time, it boils. And I had to call not of my own free will... Every time I got through and started asking questions, and the consultant could not answer me, he (she, it) asked me to wait and... hung up the call...
Having studied all available legislative framework, I go to the scene of the incident to correct the situation. I arrive early in the morning - the working day has just begun, yesterday’s cute girl is not there yet. She came, and when she saw me, recognition flashed in her eyes, and a bewildered, sweet smile appeared on her face. In a conversation with her, I suddenly find out that I suffer from at least a split personality and memory loss. Whatever one may say, it’s still my fault - and she offered me to refuse insurance (I extracted this very insurance from her almost under penalty of death) and I almost forced this mysterious authorization amount on her myself... That’s just my request about terminating the contract did not delight her and initially I was told that this was not possible - that is, I could close the loan if I paid the full amount of authorization-activation plus interest for the first month, which is about 25% of the cost of the goods - quite a lot of interest per loan day.
What if I return the product?
Will they take it from you? (succinctly)
Well, according to the Consumer Rights Protection Law, I can return it without explanation within 14 days...
Well, try... (without joy, with obvious confusion in the eyes)
I run to the seller, explain the situation and say that I will immediately buy this product for cash. He doesn’t mind (rather, on the contrary, he’s happy with something), we call the bosses - the bosses don’t have anything against it either. I run again to the smiling employee. I inform you of our decision with the store - she is surprised and very upset (the smile disappeared from her face even at an early meeting). He calls the seller (I have a split personality and memory loss - I can’t be trusted), he confirms everything. Reluctantly, he begins to fill out the documents, simultaneously offering to apply for another loan, this time without insurance-authorization-activation - thank you, we’ll manage somehow without your services. Now, having worked closely with banks, I know that the employee receives interest not so much on the loan itself, but on additional services and insurance is one of the most profitable items. My contract included a very large percentage, and therefore the lost profit was quite significant.
When the documents are completed, it turns out that I still need to go somewhere else to their office, but why and what else I will have to do there - the girl did not answer me anything intelligible. By the end of this epic, I had the strong impression that when selecting employees, Russian Standard conducts an IQ test and hires those who score less than 60 points.
I came to this office of theirs - this is where their exorbitant interest goes! At the entrance you are greeted by another sweet-smiling girl with a question - why are you here? Interrupting unnecessary questions, I go to the manager. There weren’t many people in the office, but there was only one manager sitting – she was applying for a loan for a car (as I understood) – he would ask the client a question and run off somewhere for a couple of minutes (to consult) and so on a certain number of times – on the client’s face and at the queue there was obvious irritation. Fortunately, another manager appeared - I quickly switched positions with her and ended up being the first. I explain that I want to terminate the contract because I returned the goods, etc. and so on. Again, a lot of questions - what, why, how... and in robot mode: “I suggest you use our new services...” I had to be a little rude and interrupt this eruption with a response tirade that I would never, ever use the services of their establishment again. and my last request is to do everything quickly and not waste my time (I already lost a lot of it because of them!). There is a shadow of understanding in my eyes, the smile disappears from my face... However, this manager turned out to be from the same category as the person at the next counter - as soon as I voiced what I wanted from her, she ran somewhere to get instructions... Again a mountain of papers... They offer to fill them out somewhere away from the employee’s counter. I walked away, filled it up, and the line grew. I stood in line for the second time, handed over the papers, and they explained to me that I still had to pay for the insurance - supposedly it was non-cancellable. I begin to threaten that it will no longer be me who will deal with them, but higher authorities. He runs away and comes out with a merciful decision - so be it, you can refuse the insurance, but you will need to pay a certain amount for its termination ( insurance premium). Here I didn’t argue anymore - I was tired and really wanted to get out of this hellish institution. "Compensation" can only be paid at an ATM. In this case, of course, coins and change are not provided, which, of course, again benefits the establishment, since the payment has to be rounded. I paid, came back, stood in line again, and again they shoved some papers at me. When asked to step aside and fill them out to the side, she refused - there was no desire to stand in line for the fourth time, and besides, the line had already grown quite seriously. A hidden and not very dissatisfaction was brewing among the people that the line was moving very slowly (by the way, while I was busy with my problems, that car loan was still being processed at the first counter). Almost with a fight, she demanded documents for the loan and copies of the documents that she signed this time (and she did the right thing, as she soon became convinced of).
So, I refused the loan. True, I had to pay, so to speak, compensation (I call it “payment for inoculation against stupidity and gullibility” - that’s something, but it was a good lesson in distrusting people). Compared to all their markups and interest, the “compensation” is a tiny amount, but the toad still weighs on me - it would be better if I gave it to church or charity, and not to these scammers. I bought my camera for cash - the seller with undisguised pleasure tore up the credit papers (sellers also draw up something there), gave a backpack for the camera as a gift (the toad for the “compensation” calmed down a little - the bag costs no less) and his phone number (but this already personal). As for money, I had, of course, to change my plans, borrow from friends and relatives, tighten my belt, but somehow I managed to get out.
However, the epic is not over yet. In a couple of weeks I am called to my work phone! - customer support service (they named it!!! they will support you, of course - they will kick you and trample you into the ground) of the Russian Standard bank, something about returning money and call our hotline back to find out if your loan is closed. Feeling a catch, I call. After going through the “inquiry procedure”, I find out that my loan, it turns out, is not closed. I'm starting to figure out why. It turns out that I still have to pay them insurance, ALL!!! (I wrote an application to terminate the insurance contract and paid the insurance premium!) To my quite reasonable question: “Do I need it?”, the answer, piercing in its stupidity: “But you are insuring your life! This is your DUTY TO THE BANK!” Wow! I no longer have ANY relationship with your bank! The girl really doesn’t get it: “You have to pay for insurance, that’s how it’s supposed to be.” I had to send the girl to sleep it off (I wonder what they use at work?). I go to the local head office (and in a rather furious state), I demand that the bosses be called to see me - the girls (no longer smiling) listen to everything, batting their eyes in silence and confusion... The boss came out - she had already managed to explain at least something. In the end, it turns out that in this form they simply offered me not to terminate the insurance contract, however, what this contract gives me and what I will get from it, they could not explain to me... I had to explain in an accessible form that such a contract in the event If necessary, I can make a deal with a more decent insurance company with more intelligent employees, clearer conditions and at more reasonable prices. It seems they finally got it, since no one bothered me anymore...
So, summary:
I will not advise you to stay away from this bank, since there are all sorts of life situations and sometimes you have to get into the wrong kind of loop. I just advise you to be VERY attentive, not to trust ANYONE, and especially sweetly smiling girls, to read all the papers that are handed to you, to calculate everything (even if there is a line “pressing” behind you, you can hear dissatisfied screams and time is pressing on your heels) and ask about everything that is not you understand. And be sure to collect all the papers. Even after closing the loan, ask for a certificate stating that you do not owe anything to this bank - you will have something to hide behind if the bank wants to extract something else from you.
If you are deceived from the first steps (as in my case), turn around and leave, nothing good will come of it anyway. Everything is fine with establishments like Russian Standard as long as you completely and completely play by their rules. I hope that my experience will help at least someone and that it was not in vain that I paid for my “vaccination against stupidity and gullibility.”
Russian Standard Bank" FAQ documentsIn the comments to the article “Credit cards of Russian Standard Bank,” which I wrote back in June 2006, there continues to be an active discussion of various aspects of clients’ work with Russian Standard Bank and many questions are asked. I would like to note that the relationship of Russian Standard Bank with clients is based on the TERMS OF PROVISION AND SERVICE OF RUSSIAN STANDARD CARDS approved by the bank.
In this post I tried to answer a number of the most frequently asked questions:
- Why did Russian Standard Bank send me a credit card if I do not have a loan agreement and did not sign it?
In accordance with the “Conditions...”, a loan agreement with Russian Standard Bank can be concluded in one of the following ways:1) in accordance with clause 2.2.1. - by signing a bilateral document on paper by the client and the bank. The agreement is considered concluded from the date the agreement is signed by the parties.
In other words, a regular standard contract, which stipulates the issuance of a credit card attached to the credit account.
2) in accordance with clause 2.2.2. - by the bank’s acceptance of the client’s application (offer). In this case, the agreement is considered concluded from the date of acceptance by the bank of the client’s application (offer). Acceptance of an application (offer) is the bank’s actions to open an account for the client.
In other words, you write an application to the bank for a loan, the bank reviews this application and gives its consent to issue a loan by opening a lending account in your name. Let me remind you that the word acceptance means consent to payment.
A notification about the amount of the established credit limit is sent to you simultaneously with your credit card, and this once again confirms that a credit account has already been opened for you. True, until the card is activated, the Russian Standard Bank lending account is blocked.
- If I change my mind about using a credit card, can I unilaterally destroy the card without prior notice to the bank?
No. You cannot destroy or throw away your credit card. Firstly, in accordance with the Regulations Central Bank Russian Federation dated April 9, 1998 No. 23-P - “On the procedure for issuing credit organizations bank cards and making settlements on transactions made with their use,” a plastic card issued by a bank belongs to the bank that issued it, and not to the client. Secondly, it is not economically safe, since there are many ways of card fraud.Therefore, in accordance with clause 7.3. “Conditions...” of Russian Standard Bank, you are obliged to return the credit card to the bank within 3 (Three) business days after:
- its termination,
- upon cancellation of the contract,
- upon presentation by the Bank of a written request for the return of the Card (including in the form of a final invoice issued to the client).
- How to terminate a loan agreement and return a credit card to Russian Standard Bank?
In accordance with clause 10.1 of the “Terms and Conditions...” you have the right to refuse to use the credit card and terminate the agreement. To do this you need to do the following:- in accordance with clause 10.1.1. submit a written application to the Bank in the form established by the Bank;
- simultaneously return to the bank all credit cards issued under this agreement that have not previously been returned to the Bank and have not been reported as lost/stolen.
And also, in accordance with clause 10.1.2., the contract will be considered terminated only if all debts under the contract are repaid.To avoid misunderstandings with Russian Standard Bank, send an application for termination of the agreement to the bank and make a refund yourself plastic card and PIN code in an unopened envelope (if the card is not activated), you only need it in person or by registered mail with acknowledgment of receipt of the letter. The PIN code can only be returned by separate registered mail. The receipts for sending registered letters must be retained until the issue is fully resolved.
- Do I need to notify the bank if the client’s details reflected in the agreement have changed?
In accordance with clause 7.1. “Conditions...” if you change any data specified in the form, you must notify Russian Standard Bank in writing within 5 (Five) calendar days. During the entire lending period, Russian Standard Bank must report:- about changing the last name, first name, patronymic,
- about a change of address,
- about changing passport data,
- numbers home phone or business address and telephone number,
- place of work (source of income),
- about any circumstances that may affect your ability to make loan payments.
Messages about a change in home telephone number, place of work (source of income), business address and telephone number, as well as about any circumstances that may affect the Client’s ability to make payments on the Loan, can be accepted by the Bank orally (by calling the Reference and Information Line Center).
To avoid trouble, it is best to give verbal notices only in addition to written notices. So, for example, after changing the address and timely written notification to the bank about this, the latter, in case of delay in sending bills to the new address, will not be able to apply penalties to you, and if necessary, this can always be proven.
Good afternoon
We are happy customers of RSB and decided on Sunday to dispel their melancholy a little and charge them with caps. Today we closed a consumer loan early and encountered a small problem with early repayment:
1. Deposit the full amount into the account through the cash register for early repayment of the loan.
- We received a cash receipt order.
2. They asked to provide an application form for early closure of the contract.
- We don’t have such a form at the bank, the loan will be closed ahead of schedule automatically on the date the funds are written off... the specialist said.
3. They asked to provide an additional agreement to terminate the contract, since the client fulfilled his obligations and the bank has no claims against him.
“We don’t have anything like that in our bank, the loan will be closed ahead of schedule automatically on the date the funds are written off... the specialist said.”
4. We were asked to provide a certificate stating that we no longer have debt on the loan.
“We can’t issue it, the loan will be closed ahead of schedule automatically on the date the funds are written off, then come back... the specialist said.”
5. Referring to the Civil Code of the Russian Federation and the absence of this point in the loan agreement, they asked to show the specialist where it is written in our loan agreement.
- The specialist has been looking for a similar item for a long time, but it doesn’t exist. Alas, he is not there. And then the specialist chose clause 14 of the loan agreement.
I quote -"14. The borrower's agreement with the general terms of the agreement / The Borrower agrees to the Loan Terms and Conditions (hereinafter referred to as the Terms), and also confirms that he has read this document and understands its contents"
6. We asked a specialist to explain what General terms and where the client can view them.
- The specialist printed out the general lending conditions from the official RSB website and said: that this is what they are.
7. We asked the specialist to show in clause 14 of the loan agreement, where is the link to the general lending rules posted on the RSB website, and not to any others that were in force at the time of concluding the loan agreement.
- The specialist replied that all questions should be sent to the legal service.
8. They asked to invite a senior subsidiary or a lawyer of the bank.
- There is no senior, and all questions should be addressed to the lawyers in writing through this application form, since they sit in the legal department of the bank.
9. We asked for an application to disable the SMS notification service.
- Issued a statement.
10. They asked whether these boxes need to be ticked or they are considered as selected by default.
- He said nothing.
11. They asked for a copy.
- He gave me a copy and certified it along the way.
11. We returned to the issue of providing documents on early closure of the contract.
- The specialist asked to fill out an application form.
12. They wrote a statement that, by virtue of clause 14 of the loan agreement, the specialist cannot close the loan agreement today (early) and must wait for the next write-off of funds, and clause 14 does not disclose the information base for review general rules lending, since it does not have details and where you can read it again or look at it in case of changes - it is missing.
- The specialist drooped and lost heart.
13. We cheered him up, told him not to become limp, he is, after all, a bank employee.
- I don’t know, maybe he will be deprived of bonuses, but he was upset that we wrote a statement.
14. I said that I would write a review on Banki.ru, but not in relation to it. I ask him not to scold him, not to deprive him of bonuses, in general, he’s doing well, finding himself in a situation where the lawyers wrote, and I know from my own experience that a specialist should take the rap.
I ask RSB Lawyers to provide their position on the situation that has arisen and provide clarifications or I will have to contact the regulator with a statement.
1. Why didn’t the Bank close the loan agreement early?
2. Why is a DS not drawn up for the loan agreement on closing the loan agreement ahead of schedule?
3. Why is there no information in the loan agreement about the general lending conditions?
P.S. I also ask you to scold the specialist located to the right of our specialist’s window (if you are sitting facing the specialist), since during the foreign exchange transaction The VIP did not issue the certificate to the client, and then when she found the certificate in the printer, she simply crumpled it and threw it in the trash.