How to return money if the goods are loan

Most buyers prefer to buy the necessary equipment, furniture or other trade outlets. And the loan takes currently very easy. The main thing is to remember that the thing will be considered yours only after paying this loan. How to be if the purchased goods turned out to be defective, how to return the borrower paid paid?

Each buyer that takes the product on credit, it is necessary to remember that in fact he issued two contracts. This is an agreement with the bank and with the store. Therefore, if the goods do not meet the quality standards and you want to return it, the bank loan still will have to pay the period in-time. Otherwise, you are threatened by fines, because in the contract with the bank everything is spelled out and your signature is standing that you agree to make debt on time.

To return the acquired item, the seller needs to write a claim. Go to the store, we take a marriage, make up a document in which it is detailed to refuse the reason for the purchase of buying, requires the reimbursement of the loan amount paid by you. Be sure to attach copies of payment receipts.

The store is obliged to pay the entire amount specified in receipts, except for fines if they are, insurance and other bank services. Be careful and do not forget to require the seller a document on termination of the transaction with this store.

It often happens that the first installment client pays the store. The seller must give this amount back to the buyer. The rest of the money is returned to the lender. The buyer will receive them in a while in a bank, where he took a loan.

After receiving funds, you need to terminate the certificate of lending with this bank. This document shall indicate that the Bank does not have any financial requirements for you.

In extreme cases, when the store does not accept your refund or there are problems with the bank, you will have to go to courts. The claim can be served in any court: at the place of residence, at the address of the store or bank. But mostly no one wants to deal with the courts. And the sellers of poor-quality goods give money to customers.