When concluding a loan agreement with the bank, each item should be carefully examined, including what is written in small fonts. Increasingly, borrowers face a situation when after the conclusion of such a contract, all payments on the loan repayment schedule are extinguished on time, and the debt is only growing. Explain this by the fact that the contract has a clause on the commission for maintaining an account opened to transfer monthly payments on its loan.
1
If the item in the Credit Commission agreement is, but you have not yet signed the contract, there are all legitimate grounds to apply to the bank with a request to exclude it from the loan agreement. Remember, the law on your side: according to Article.819 of the GCRF to issue a loan and ensure all the necessary conditions for keeping accounting for debt repayment is the direct responsibility of the credit institution.
2
In case the loan is completely or partially repaid, you can use the opportunity to return an overlooking part of the money on the loan. First, it is necessary to competently arrange in writing a claim to the bank, in which you insist on the recognition of the item on the credit commission invalid and return the funds that were paid under this article. It is also necessary to indicate in the claim that in the event of a bank failure, you contact with a lawsuit in court, and then, in addition to the return of the Commission, the Bank will have to compensate moral damage, pay the state duty and services of the representative.
3
Drawing up this claim, as well as the preparation and maintenance of the trial, up to the fact that the Bank returns to the Bank, you can trust the center for the return of commissions accrued by the Bank. Specialization on a particular issue and considerable experience of successful management of such cases practically guarantees the solution to your favor. There are cases when such centers of legal support do not take prepayment. You need to conclude an agreement with them, and when a long time, the bank will return an extra amount, already from it the company will take a fee for its services.
4
Before concluding an agreement with the Return Center of the Credit Commission, you will advise you for free, it's not too late to return money and how much you can count on. If you came to the conclusion that it is worth it, you will have to pay for the examination, which will last 10 days, and make a power of attorney at the notary. According to the results, expertise from the center must report that the process is launched, and, if the prepayment for services is provided for by the contract, it will be necessary to pay.
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It should be noted that the conduct of the case can be trusted by a lawyer or a lawyer, for the services he will take, of course, less, but success in this case is not guaranteed in the absence of experience in such office work.
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The process of returning the commission is continuous, often lasts from six months to a year. You have the right to periodically call the human rights organization to find out at what stage is your business.
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Upon completion of trial lawyers, the lawyer of the Center for the Protection of Rights will report on the successful issue of the issue. During the month, money will be returned to the card or bank account. You will have to visit the center again to write a statement about the return of court costs. After that, by the court decision, the part of the payment for the services of the center will also be returned to you.
The issuance of loans without a commission for conducting an account is the responsibility of each bank! This should be known and remember any person issuing credit. After all, if you took advantage of such a service as a loan, it is quite reasonably saying that you do not have the opportunity to scatter with money. In this case, it is not necessary to allow yourself to deceive, use your rights to a citizen of the Russian Federation.
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