To return the insurance fee on the loan in the bank Renaissance you do not have to seek assistance from lawyers. You may well be able to obtain their own insurance on the loan, but you should be aware of several conditions under which the bank Renaissance will respond positively to your application.
What documents are required for the termination of the insurance contract
Before you cancel your insurance, you should prepare a number of documents:
- a contract for a loan in the bank "Renaissance" and its copy;
- the borrower's passport;
- the official conclusion of the bank on full repayment of the loan;
- application for cancellation of the insurance contract and compensation funds based on risk prevention under the credit agreement.
Be careful when filling out the application for cancellation of the contract with the bank "Renaissance." You must specify all the necessary information for cancellation:
- the loan agreement number.
- The number of remaining months of paid insurance.
- The date of termination of the credit agreement.
- The amount that you must compensate the bank.
- Account number for transfers of funds.
- A copy of the completed application to terminate the contract.
- Print bank statement and a copy thereof. That it will be a proof that your application should be processed within 10 working days.
What to do if the bank refused to return the Renaissance insurance compensation
If the bank refused to return the insurance fees - do not rush to get upset. The refusal can be challenged in court, the reason for this will be an item. 958 of the Civil Code. Before his visit to gather all the necessary documents:
- credit agreement;
- the receipt of payment;
- an extract from the account;
- payment schedule.
All of the above documents may be requested from the bank. If you follow all the recommended requirements and operate within the Russian legislation, you will quickly and easily be able to get money from the insurance compensation in the bank "Renaissance."
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