A few years ago I got into a funny story with the Russian Standard bank. Then, at the peak of emotions, she wrote a devastating article on one of the banking portals. Now, already in a more dimensional state of thought, I will retell my story again ...
In still immemorial years, a foreign trip turned up for me. And then, as always, out of the blue, a problem popped up - my old camera was dead, completely dead ... Of course, everything available funds had already been converted into green non-Nashen rubles and were required elsewhere. And I'm not rich enough to buy cheap disposable equipment. So I decided, without burdening myself with an extra headache, to take a new camera on credit. I chose a rather expensive DSLR. The calculation was as follows: I will return, put my financial affairs in order and pay off the bank in a few months. Of several tables with bright signs, I chose "Russian Standard" - this is not the first time I take a loan, I know that their interest is rather big, but I am satisfied with the untiring registration procedure and the absence of the need to collect all sorts of certificates there. And before this incident, there were no problems with this bank, since I always pay on time.
There is a pretty nice girl at the table, she quickly makes the calculation, I agree, I go to the seller, draw up all the papers, I return ... 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’m talking about this girl, to which she declares that it’s supposed to be so and it doesn’t oblige me to anything if I don’t activate it myself ... I don’t argue, I sign ... Papers, papers ... I say, no insurance is needed. 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, make out, the amount is not critical - time today is more expensive. In addition, a woman was standing behind her at that “beautiful” age, when everything annoys, and she keeps getting bored - why is this girl (that is, my person) so long, why does she read everything, asks everything ... Finally, the documents get in hand (by the way, already signed by me) - the monthly payment amount pops up in the schedule more than was previously stated. To my question: “Why?”, the girl with a sweet smile: “Oh, sorry, I counted wrong then!” I'm already shaking a little, but... to hell with you, I don't have time to mess around 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 kind of authorization or activation amount pops up (I don’t remember now), which increases the cost of the goods by an order of magnitude and already winds up on it interest, and for some reason this overpayment is not considered for an overpayment. And, based on this, it becomes not at all profitable to repay the loan amount ahead of schedule, since you do not win anything in this situation. If I had planned to repay this loan measuredly, I might not have started to rock the boat, but I wanted to repay it for a maximum of three months and this state of affairs, of course, did not satisfy me.
I start to attack hotline RS. For a long time, nervously, to no avail - NO ONE 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?" and remained a mystery behind seven seals. This state of affairs, of course, did not suit me, and I continued the "torture" of consultants in the morning of the next day. 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 charged immediately for all months of the loan, added to the cost of the goods and interest is already being charged on it. That is, the amount of insurance is still added credit interest And the amount comes out just the same brutal. And if the loan is repaid before the due date, then you pay the insurance anyway for the entire term of the loan. What does this insurance give me if I no longer owe the bank anything, because if something happens, the bank receives money for insurance? IMHO, pure scam.
In general, a call to the Russian Standard hotline is a separate song - I almost “squeaked” with delight. You call quickly, they connect for a long time - for about four minutes you listen to all sorts of crap about new services, etc. etc. With such a service, it is understandable - people are loaded, lines are overloaded. Good thing the call is free. They connect ... They immediately ask for the contract number, then the full name, address, all sorts of other questions ... At first, nothing, but when you call for the fifth or tenth time, it boils. But I had to call and not of my own free will ... Every time I called and started asking questions, and the consultant could not answer me, he (she, it) asked me to wait and ... dropped the call ...
After reviewing all available legislative framework I go to the scene to correct the situation. I arrive early in the morning - the working day has just begun, yesterday's sweet girl is not yet in place. She came, at the sight of 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 lapses. Whatever one may say, I remain guilty all the same - and she offered me to refuse insurance (I knocked out this very insurance from her almost under pain of death) and I almost imposed this mysterious authorization amount on her ... That's just my request she was not delighted with the termination of the contract and initially it was stated to me that this was not possible - that is, I can close the loan if I pay the full amount of authorization-activation plus interest for the first month, which is about 25% of the cost of the goods - not bad interest per loan day.
What if I return the item?
Will they take it from you? (succinctly)
Well, according to the "Law on the Protection of Consumer Rights" I can return without giving reasons within 14 days ...
Well, try ... (without joy, with obvious amazement in the eyes)
I run to the seller, explain the situation and say that I will immediately buy this product for cash. He does not mind (on the contrary, he is pleased with something), we call the authorities - the authorities also have nothing against it. Again I run to the smiling employee. I inform you of our decision with the store - she is surprised and very upset (the smile slipped from her face even at an early meeting). He calls the seller (I have a split personality and memory lapses - I cannot be trusted), he confirms everything. Reluctantly, he begins to draw up documents, along the way offering to issue another loan, already without insurance-authorization-activation - thanks, we'll manage somehow without your services. Now, having worked closely with banks, I know that the employee receives interest not so much from the loan itself, but from additional services and insurance is one of the most profitable items. A very rather big percentage came out of my contract, and therefore the lost profit turned out to be very significant.
When the documents are drawn up, it turns out that I still have to go somewhere else to their office, and 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 scored less than 60 points.
I came to this office of theirs - that's what their exorbitant interest goes to!. At the entrance, another sweet-smiling girl meets with a question - why are you here? Interrupting unnecessary questions, I go to the manager. There were few people in the office, but the manager was only sitting alone - he took out a loan for a car (as I understood it) - he would ask a client a question and run away for a couple of minutes (to consult) and so a certain number of times - on the face of the client and at the queue there was clear irritation. Fortunately, another manager appeared - I quickly adjusted to her and was the first. I explain that I want to terminate the contract, because I returned the goods, etc. etc. Again a lot of questions - what, why, how ... and in robot mode: "I propose to use our new services ..." I had to be a little rude and interrupt this verbiage with a response tirade that I would never use the services of their establishment for anything 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, a 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 announced what I wanted from her, I ran somewhere to receive instructions ... Again a mountain of papers... Offer to fill them somewhere away from the employee's desk. I left, I fill, the queue grows. I stood in line for the second time, I put the papers, they explain to me that I still have to pay for insurance - supposedly it is non-cancellable. I begin to threaten that it will no longer be me who will deal with them, but higher authorities. Runs away and comes out with a gracious decision - so be it, you can refuse 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. Coins and change in this case, of course, are not provided, which, of course, again plays into the hands of the institution, since the payment has to be rounded off. I paid, came back, stood in line again, they shoved some papers at me again. At the request to move away and fill them aside, she refused - for some reason there was no desire to stand in line for the fourth time, besides, the line had already grown quite seriously. A hidden and not very dissatisfaction was brewing among the people that the queue was going very slowly (by the way, while I was spinning with my problems, that car loan was still being processed at the first counter). Almost with a fight, she demanded documents for a loan and copies of those documents that she signed this time (and she did the right thing, which she soon became convinced of).
So I turned down the loan. True, I had to pay, so to speak, compensation (I call it “payment for inoculation against stupidity and gullibility” - really something, but a good lesson came out of distrust in people). Compared to all their markups and interest, the “compensation” is a meager amount, but the toad still presses - it would be better if I gave them to the church or to charity, and not to these scammers. I bought my camera for cash - the seller tore up credit papers with undisguised pleasure (the sellers also draw up something there), handed over a backpack for the camera as a gift (the toad for "compensation" calmed down a bit - the bag costs no less) and his phone number (but this already private). As for money, I had, of course, to replay my plans, re-borrow from friends and relatives, tighten my belt more tightly, but at the very least I got out.
However, the saga is not over yet. A couple of weeks later, they call me to the work phone! - customer support service (they called it !!! they will support you, how - they stumble and trample into the ground) of Russian Standard Bank, something about a refund and call our hotline to find out if your loan is closed. Sensing a catch, I call. After passing 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 - I have to pay them insurance, EVERYTHING!!! (she wrote an application for termination of 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 insure your life! This is your OBLIGATION 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 (I wonder what they use at the workplace?). I go to the local head office (and in a rather furious state), I demand to call the authorities to me - the girls (already without smiles) listen to everything, silently and confused, blinking their eyes ... The boss came out - she already managed to explain at least something. In the end, it turns out that in this form I was simply offered not to terminate the insurance contract, however, what this contract gives me and what I will have 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 conclude with a more decent insurance company with more intelligent employees, more understandable conditions and at more reasonable prices. It looks like they finally got it, since no one bothered me anymore ...
So summary:
I will not advise you to stay away from this bank, as there are all sorts of life situations and sometimes you have to climb into the wrong loop. I just advise you to be VERY attentive, not to trust ANYONE, and especially cute smiling girls, to read all the papers that are palmed off, to calculate everything (even if the line “presses” behind you, dissatisfied cries are heard and time presses on your heels) and ask about everything that is not understand. And be sure to collect all the papers. Even after closing the loan, demand a certificate that you owe nothing to this bank - there will be something to hide behind if the bank wants to cut something else from you.
If you are deceived from the first steps (as in my case) - turn around and leave, anyway, nothing good will come of it. With such establishments as "Russian Standard" everything is fine as long as you completely and completely play by their rules. I hope that my experience will help at least someone and I didn’t pay for my “vaccination against stupidity and gullibility” for nothing.
Russian Standard Bank is a Russian commercial institution engaged in lending activity. The legal form of this bank is joint-stock company. The head office of Russian Standard is located in Moscow. Represents a credit institution banking products that are in demand among the general population.
Initially, it had the name "Agrooptorgbank". Its activity has been registered in central bank in 1993. The initial purpose of the creation was the implementation of mutual settlements between institutions and enterprises. But due to the instability of the economy in Russia, Russian Standard Bank ceased to exist as an organization for mutual settlements and ceased to be active in the financial market.
In 1999, the bank was reorganized in connection with its acquisition by the new management. The deal amounted to 100 thousand dollars. Its priority at the moment is consumer lending and the issuance of credit cards.
In addition, the bank actively attracts free cash individuals into deposits. The bank also has acquiring, settlement and cash services, credit lines, international transfers and calculations.
Russian Standard Bank offers several. Each of them has its own advantages and disadvantages.
This program is the most popular among clients of Russian Standard Bank. Its advantage lies in the misuse of issued Money. Under the loan program, the bank offers the following conditions:
The advantages of the presented program are also that:
Such a program is offered by Russian Standard Bank individually for its clients. You can get such a loan only if there are no overdue payments and timely payment of the loan in the amount established by the agreement.
All other conditions are similar to the previous option.
This program from Russian Standard Bank is a mini-loan for obtaining borrowed funds before wages. Suitable for citizens who need a small amount to purchase any product. The terms of the consumer loan are as follows:
When applying for a loan, funds are transferred to an already issued Bank in your Pocket card.
Russian Standard Bank offers loans on improved terms. The program is designed for a certain category of clients who wish to borrow a substantial amount of money. Conditions for this offer:
Not always the desires of a person coincide with the possibilities. That is why Russian Standard Bank decided to enter the microcredit and commodity lending market. Now you should not think about the lack of funds when buying goods and services. The missing money can be obtained in the form of this bank.
A financial institution offers profitable banking products for the purchase of goods without overpayment. You don't need to get a loan to without fail visit the branch. It is enough just to go to the information desk on the territory of the partner store of the bank and draw up a credit limit in point of sale. This saves the individual's time.
To apply for a loan, a person will only need a passport and an additional document, for example, TIN or SNILS. Conditions for the program "Credit for the purchase of goods":
To apply for a Russian Standard of Consumer Credit at a bank, it is not necessary to go to its branch. It is enough to go to the official website of the bank and fill out the questionnaire presented there. It is necessary to indicate only real data, otherwise the potential borrower will be denied a loan.
As soon as the questionnaire is processed, a bank employee will contact the client to clarify the data. With a positive decision financial organization the client will be invited to come to the branch to personally submit documents and receive borrowed funds.
To purchase credit obligations, an individual will need to provide the following package of documents:
The main requirements for a future borrower are:
A potential borrower must have a positive credit history or even be without it. He should not have current debt on other loans from other banks.
Russian Standard often issues a loan to citizens who have wage not less than 20 thousand rubles. This is due to the minimum amount necessary for an average person to live, it is approved by law in the amount of 10 thousand rubles. If you have a child, the amount of income should be about 30 thousand rubles.
For small loans, the bank does not ask to provide a certificate in the form of 2-NDFL, a second identity document, as well as title documents for property. But if a potential client requests a significant amount of money, then he is obliged to provide all of the above documents.
A loan from a Russian standard bank is suitable for the general population. in the Russian standard are beneficial to pensioners. When providing a document confirming retirement, a citizen has the right to count on a reduction in the cost banking product for several points. 
Gathering everything Required documents, the potential borrower does not know how to proceed further. Often, bank specialists do not say how to get a loan cheaper and easier. It is better to take a loan online.
In order to take out a loan, you need:
You can get money on a loan at Russian Standard Bank both in cash and on a bank card, depending on the program chosen.
(!) We recommend that you take advantage of a more convenient and advantageous offer - Apply for an online credit Platinum card from Russian Standard Bank with the ability to withdraw cash for free (loan money - up to 300,000 rubles)!
Than the card more profitable than a loan in cash?
You can pay off a loan at Russian Standard Bank in several ways:
It is worth remembering that it is necessary to deposit funds in advance and in the amount specified in the contract.
Bank lending Russian standard - profitable proposition for all individuals. The presented programs allow you to realize your dreams without postponing them until tomorrow.
Most of the inhabitants of our country have long been accustomed to solving their financial problems with the help of loans. But life circumstances, sometimes, make you think about how to quickly get rid of obligations to the bank. Insofar as the relationship between the lender and the borrower is sealed by a loan agreement, the question arises of how to terminate the loan agreement with the bank. Let's analyze the issue in more detail.
You can terminate the contract with the bank until you have borrowed money. That is, the contract, in principle, is considered as such only after that. How the creditor fulfilled his obligations, that is, issued the money. If the borrower did not take funds from the bank, then the contract cannot be considered concluded. So, if you change your mind about taking a loan from this bank, for example, you find a better offer, then notify the lender of your decision, the contract between you will be terminated.
The second way to terminate the agreement with the bank ahead of schedule, return the funds within 2 weeks after the agreement entered into force, if we are talking about targeted lending, then within a month. Here you do not need to inform the lender, just put money into a credit account.
Please note that for each day while the money was in your use, and it does not matter whether you used it or not, you need to pay interest.
If you are interested in whether it is possible to terminate the loan agreement with the bank solely on the initiative of the borrower? The answer is obvious - no, you can't. The essence of the agreement of the parties is that the bank issued the money and the borrower undertakes to return it, the creditor fulfilled his obligation, respectively, until the borrower fulfills his obligations, it is impossible to terminate the agreement.
But you can terminate the loan agreement ahead of schedule when both parties agree to it. For example, you carry out debt restructuring in a bank, that is, in fact, you take new loan to pay off the old one. Accordingly, the old loan agreement will be terminated with the lender, but a new one will be concluded.
By the way, the borrower can terminate the partnership with the bank ahead of schedule if he pays the entire amount at a time and fulfills his obligation ahead of schedule.
Basically, it is in court that all proceedings under loan agreements take place. Most borrowers, when they are unable to cope with the credit burden, stop paying on the loan and wait for the lender to file a lawsuit with the court. Indeed, basically all banks sue the borrower, only not for the purpose of terminating the contract, but for the enforcement of debt collection.
Only here there is one significant nuance - as long as the loan agreement between the borrower and the lender is in effect, the bank continues to collect additional funds from the client, namely fines, penalties and forfeits. Even after a court decision to collect the debt, the bank has the right to take a penalty if, in judicial order the contract was not terminated.
Pay special attention, if the bank sued you to recover funds from an unpaid loan, be sure to file a counterclaim to terminate the loan agreement, otherwise the bank will continue to charge you interest, penalties and fines.
The borrower also has the right to file a lawsuit to terminate the loan agreement with the bank. Only for this he needs very weighty circumstances. For example:
Only the plaintiff needs to take into account that the court will never oblige the bank to forgive him the entire debt. The only thing you can count on is the abolition of part of the fines, the principal debt and interest will have to be paid unequivocally.
If, due to life circumstances, it is not possible to pay the loan, you should not immediately go to court and file a lawsuit to terminate the contract, because you can resolve the issue amicably directly with the creditor. To begin with, contact the bank with a written application for debt restructuring, of course, the bank will not reduce the percentage, but it can increase the term of the contract or provide an installment plan for several months. The application must be submitted to credit department and ask the manager to make a copy of it and put a mark that the application was accepted, the number and signature of the employee.
If the creditor considers the application and makes a positive decision, then there is no point in going to court, the agreement will be terminated by mutual agreement of both parties. If the bank refuses you, then ask for a written refusal, in the future it will be useful to you in court.
If you are a user of a credit card and want to terminate the contract for servicing it with the bank, then you will have to act differently. Firstly, if you simply pay off the debt and interest on the card, the contract will not be considered terminated, because the credit card is a revolving line of credit, that is, you can use borrowed funds again. Secondly, the bank deducts from the client's account a fee for services, for example, SMS informing and annual maintenance.
How to terminate an agreement with a bank on a credit card? To get started, specify the exact amount of debt for a specific number, then replenish the account for that amount. Then contact the bank branch and write an application to terminate the agreement.
Please note that before paying off the amount of debt on a credit card, turn off all paid services if you have used them.
So, we can conclude that there are quite a few ways to terminate a loan agreement with a bank. Just do not think that terminating the contract with the bank will save you from debts on loans. Not at all, the simplest and affordable way early termination of relations with the creditor is to fulfill their obligations and return the borrowed funds.
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If it becomes necessary to terminate the loan agreement with Russian Standard Bank and considering that it is impossible to terminate the loan agreement unilaterally (the prohibition of unilateral termination of the agreement is expressly stated in the relevant legislative acts),
You have the opportunity to choose one of several options:
1. Terminate the agreement in accordance with the voluntary agreement of each of the parties that signed the loan agreement. In practice, termination of a loan agreement by mutual and voluntary agreement of the parties is rarely possible. The main reason is that the bank is unlikely to want to give up the income that it will be able to receive in the future. Accordingly, as an option, if the loan agreement has already been signed and the funds have been received by the client, the only way out is to pay the loan earlier than the deadlines established by the agreement. Consequence: automatic termination of the loan agreement.
2. You can terminate the loan agreement with Russian Standard Bank through the court. However, the Borrower must have good reasons to apply to the court. Such grounds, according to which the court will unambiguously decide in favor of the plaintiff and terminate the loan agreement, include:
For example, banks often use the practice of increasing interest rate without prior agreement with the Claimant or begins to charge for those services that at the time of the conclusion of the loan agreement were performed free of charge. In addition, the grounds for terminating the contract may also be the incapacity of the citizen who entered into the contract; if the transaction violates any norms of the current legislation, as well as if the transaction was made under the threat of physical violence or reprisals, as a result of fraud or a combination of difficult circumstances that the other party did not fail to take advantage of. All of the above reasons are required not only to be correctly stated in statement of claim but also supported by relevant documentary evidence.
3. The refusal to carry out the transaction may also become the basis for terminating the loan agreement. This situation has its own specifics, which is expressed in the fact that any borrower is entitled to refuse a loan, even if the loan agreement is signed, if such a desire is expressed by him before the funds were received by him. Such a right of the borrower is provided for by the current legislation, in particular Art. 821 of the Civil Code of Ukraine. In this case, the termination of the contract does not entail any adverse consequences for the borrower (in particular, the application of penalties).
Duplicate from my LiveJournal to this community.
Part 1.
Yesterday (03/15/2011) I came to Russian Standard Bank to completely close the loan. They called the amount, fully paid before 18:00, with the recommendation of employees to pay at the cash desk until 19:30 or at an ATM until 19:00. It seems to have done it. Everything down to the penny. One thing - the bank employee said that she could only verbally name the amount of the loan, but she would not give an extract because it had not yet been formed. He listened, wrote down, asked again, checked - everything was written down correctly.
I paid - I came up to say that I want to close the credit card agreement. They said that the application can be written the next day after the repayment of the entire debt. Came today (03/16/2011) late in the evening to the Naberezhnye Chelny branch of the bank. Filled out an application for termination of the contract - they said that it was terminated after two months. Technical procedures and all that. I believed, because I do not understand anything in the intricacies of banking. But!!! The application for termination of the credit card service agreement turned out to be one. 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 woo-a-la the operator with a sweet voice says - nifiga, the loan has not yet been closed. He still owes 5 rubles 24 kopecks and every day he drips about 5 kopecks.
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 was definitely terminated." Knowing "Russian Standard", I can say with confidence that in these two months they will accumulate interest for me and issue a couple of missed payments. If I hadn’t called and scored, they would have called in a year with a proposal to pay off the amount of thousands at 10-20-50, I don’t know how many fines they have for regular passes there now.
As I talked to the operator on a toll-free number, I wrote them a small claim on about three sheets, which politely asks them to sort out what happened (you won’t drink away the 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 talk to them again.
If their employees / friends read me, tell me, let them prepare vaseline)))
I will write about the continuation of the story when I return from the bank.
Part 2.
I continue my heroic epic)))
I come today to the bank "Russian Standard". I pretend to be a log. Again I ask for the balance of the loan. Voiced 5.25 rubles. I open kata - I show the claim. They refuse to accept my choice. They ask you to write on the letterhead of the bank. But there is not a claim written, but a statement !!! I am writing, along the way, sending a failed teller, or whatever her position actually is, to the authorities to ask permission to accept my version, as an alternative, I suggest that they participate in the court, where I will be the plaintiff. A minute later he agrees to accept my version of the claim. I tear up the half-written version on their letterhead and give it back. I have a claim. They are trying to persuade me to leave the package "Bank in my pocket", an application for the termination of which I have already submitted. I'm in denial. They mourn. I pay at the box office 5.50 rubles. Tomorrow I'm going to fill out an application for issuing 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. Fucked up there ... IMHO - the worst bank in terms of attitude towards customers.
Part 3
About 2 days ago, they called me from Russian Standard Bank and said that the certificate on my request was ready. Only today, March 25, 2011, reached him. They gave me a certificate. According to the "Bank in your pocket" package, they did not give a credit card. And again they began to insist that I HAVE to write any application ONLY on their company bank. As I came from the Russian Standard bank branch, I called their hotline 8-800-200-6-200 and talked to the operator. As a result of the conversation, the results are as follows: the bank owes zero rubles, zero kopecks, according to the claim dated March 17, 2011, Russian Standard Bank is investigating. 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 was standing there. A lot of people come to terminate credit card agreements. And everyone is only called the full amount of the debt and the bank employees never print it out or write it by hand (with their own hand). And next to the amount they already write the contract number and something else ... Just like in my situation. And as a result, I almost owed the bank five rubles with change. It looks like massive misrepresentation. Very, although I'll be glad if it's not.
I look forward to further development, oh how I look forward to. Especially the response to the claim.
As soon as there is news there will be a new post. Who faced the bank "Russian Standard" in such situations - tell us what and how did you do it? Really curious.
Legal advice:
1. Russian Standard Bank calls for a loan by phone numbers not specified in the contract. 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 violates the law on personal data.
Did the answer help you? Not really
1.2. You should contact the prosecutor's office with a complaint about illegal actions. Make a complaint in any form. Must respond within one month. Article 10 of the Law on the Prosecutor's Office.
Did the answer help you? Not really
1.3. dear visitor!
Of course, in this case, you can file a complaint with the prosecutor's office.
Good luck and good luck with your issue!
Did the answer help you? Not really
2. My daughter, she is 22 years old, has a lot of loans and cannot pay. Can she file for bankruptcy? One large credit at the post office, 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 pay the contract in full, they want to take it to court. total amount debts 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 pass.
Did the answer help you? Not really
2.2. You can do it all, but it also costs money.
Did the answer help you? Not really
3. The store offered to buy goods in installments, they made a scan of the passport and a photo in order to form an application for a consumer loan at Russian Standard Bank. The terms of the contract did not suit me, I did not sign the contract. Bought the item for cash. Called from the bank, they said that the application is 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 taking copies of your passport from the store and the bank.
Did the answer help you? Not really
4. I took a phone on credit in 2007 through Russian Standard Bank. Didn't pay. A decision came in the form of a court order from a justice of the peace to collect a debt from me on the basis of contract No. in favor of a completely different organization Sirius - Trade. It is 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? What article are you referring to? Thank you.
4.1. In this case, it is necessary to urgently cancel the order, if the deadline has not been missed, when did you receive it?
Did the answer help you? Not really
4.2. You need to cancel the court order in order to avoid freezing your accounts. After an objection is filed, the judge will cancel the order.
Did the answer help you? Not really
5. In 2013, my mother took out a loan from Russian Standard, where the contract also included a request for a card. She received money from the card in June 2013. And in August 2013, she found out that she had cancer, she had an operation, 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 the 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 can I do it right? I want to terminate the consumer credit insurance contract in Russian Standard. The bank began to manipulate me that if I terminate the contract, the bank will raise my interest rate or even ask me to return the loan. And what to do?
I don't want to pay extra money for insurance.
6.1. If you have not missed the cooling period (14 days from the date of conclusion of the insurance contract), then there should not be any consequences, BUT to answer for sure, you need to carefully read your loan agreement!
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6.2. The bank does not have the right to raise 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. Leave a copy of the application with the insurer's mark on 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 pay off the debt to the Russian Standard Bank. I was not informed about the trial and the bank did not inform about the debt. The last time I paid was in 2014. They want to recover the amount for the period of the loan agreement from 04/21/2006 to 08/21/2015. Can I close the debt not immediately the entire amount?
7.1. Isn't it easier to cancel the court order, and if the creditor applies for collection in the course of action proceedings, ask to dismiss the claim due to the omission of the limitation period?
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8. Lost the loan agreement on the card. The court is scheduled for September 12 at our request to the Russian Standard Bank .. the court order was canceled and we want to return our money. Which the bailiff managed to remove and send to the bank. We petition that the statute of limitations has passed a long time ago, but for some reason the bank demands money from us from 2003 to 2011. I don’t understand why such a period? Credit. 4 years paid then stopped? What do we do... what do we tell the judge? Thank you.
8.1. If you need a loan agreement, you can get 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 personally contact the lawyer you like personally, since this service is provided on a paid basis.
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8.2. To begin with, it is necessary to declare the application by the court of the consequences of the expiration of the limitation period. If for some reason the judge does not satisfy, then apply for the claimant to demand the originals of the loan agreement, primary accounting documents, on the basis of which accounting is kept. accounting confirming the transfer of funds, an agreement for opening bank account, to which the funds were allegedly transferred, the balance of the bank on the day the loan was issued. The account statement and the calculation of the debt without the "primary" are just pieces of paper, they are not proof. Copies of documents in the absence of their originals are also not evidence. This is in short. Do everything right, then you will be happy. I do not urge you not to pay, but just explain your rights.
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9. In 2014 there was a court with the Russian Standard, the decision was in favor of the bank. 4 years have passed, the bank has not presented a decision to recover the bailiffs. Now the bank has filed an application for issuing an order to the court. The court rejected the order. But they warned me that the bank would file again. the contract has not been terminated. The loan card expired in 2017. What needs to be done so that I am a pensioner and a disabled person 3 gr indefinitely.
9.1. Termination of the contract unilaterally, unfortunately, is not possible in your case, the limitation period for delays has passed. There is nothing to worry about. The limitation period begins to run from the date LAST payment on the card, it is impossible to recover from you now.
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10. My name is Natalia. I received a letter with a notification that Credit Incaso Rus LLC sued me to collect a debt of 70,000. The contract was drawn up on 07/03/2012. The debt was formed from 10/16/2014 to 03/23/2018. By 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 limitation period has been missed 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. They took a loan on the Russian Standard card, without an agreement, in 2003 they stopped paying, because the debt did not decrease, until 2018 they transferred the debt to collectors twice, demanded 75,000, this year a court decision came, funds were written off from the Sberbank card in in favor of the bank, the debt is the same, a protest was sent to the court, the judge canceled the bank's decision, the money continued to be withdrawn. The bailiffs have no decision to arrest the account. Who to contact, and is there a statute of limitations on this loan.
11.2. Based on the content of the issue, the debt was collected in the order of writ proceedings and the executive document was sent to the OSP.
If the DSO did not receive a decision to cancel the court order, contact the precinct of the Justice of the Peace who issued it for a copy and submit it to the DSO yourself.
The general limitation period is 3 years, calculated separately for each payment.
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11.3. the limitation period is 3 years, i.e. if the bank has not applied to the court for the recovery of funds from the date when you were obliged to repay the loan, then the bank (with your application for missing the deadline) loses the right to recover the debt.
In addition, you have the right to return your debited money. Please describe your situation in more detail.
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12. Need help with a loan. In 2015, we re-executed a loan agreement with Russian Standard. All checks were paid without delay. From October to December 2017, they did not pay, in January they began to pay off the debt again. After 3 months, they called from the bank with a threat of arrest if the entire amount was not fully repaid within 10 days. We want to sue to pay a fixed amount without interest. Because otherwise with this bank it will not be possible to disperse for good.
12.1. Anastasia, if you are late in 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 only be accrued until the day of actual repayment (before repayment, the payment amount is calculated separately). On this issue, I do not see a topic for litigation.
Another thing is if in 2015 you took new loan to repay the debt on the old loan, and three years have not yet passed from the moment of "re-lending", you have the right to raise the issue of unjust enrichment of the bank at your expense in court - the inclusion of an excessive penalty on the first loan in the repayment amount, etc.
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13. The husband took a loan from a Russian standard bank, transferred money to the account specified in the contract at the right time, they call from the bank and say that the money did not reach. As a result, they talk about accruing% to him, plus the credit history is damaged, what should I do?
13.1. I think it would be right to get rid of this loan not bankruptcy. Ready to help in this matter. There is good jurisprudence.
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13.2. If the violation of the terms of the loan agreement was not due to the fault of the payer of the loan, then it is possible not to pay the interest, or to return the already paid, 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 question
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14. I bought a subscriber to a beauty salon (services of massage, masks, a weight loss program), TO 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 a 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 doesn't help.
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14.2. You are entitled under Art. 32 of the Law of the Russian Federation "On 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 for cancellation of 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 Russian Standard Bank, but since I live in another city, I did not receive the service, I was going to do it on vacation when I was in Volgograd. Is it possible to return the money, 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 contract for the provision of services and the loan agreement in turn. More details can be consulted at a personal appointment.
Sincerely, Lawyer in Volgograd - Stepanov Vadim Igorevich.
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16. consumer credit was issued in the bank "Russian Standard" a very long time ago. Several payments were made, then 2 passes 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. To date, only one agency "KEF" 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 should not worry, but communication with collectors should be stopped if something happens. If you can't pay, don't pay. Let them sue, and in court you will declare the expiration of the statute of limitations.
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16.2. A long time ago - how many years ago? If more than three years, then you can ignore all callers, since the statute of limitations for this case has expired. Properly get rid of credit debt and the loan agreement a financial lawyer can help.
Sincerely, financial lawyer - Stepanov Vadim Igorevich.
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17. A court order for a loan from the Russian Standard Bank came, the date of the loan agreement was 19.12. 2006. I paid off the loan many years ago, but of course there were no receipts left, and now a court order is coming to collect the debt, what should I do?
17.1. you have ten days from the date you receive a copy of the court order to file an objection to the execution of the court order.
Good luck and all the best
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17.2. File an application with the court that issued the writ to set aside the writ within 10 days of receipt.
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17.3. Objections urgently need to be prepared. . Written in free form with a statement and explanation of the circumstances of the case. From whom, your address and phone number, to whom (name or name of organization, position), what, where, when, what you ask or what you want to know ... Date, signature.
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17.4. You must file an objection within 10 days of receiving a copy of the order and the judge will then revoke the order. In the objection, it is enough to express disagreement with the order.
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18. How to repay the loan in full ahead of schedule in the "Russian standard"? This is not stated in the contract. There is no bank office in our city. Communication only by phone. How to be?
18.1. Call them on the phone and they will explain to you how to pay. The call is free. It makes no sense to deceive the bank on this issue.
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19. Bank "Russian Standard" unilaterally increased the interest on the loan (under the agreement 28%, increased to 36%, motivation - the Central Bank's rate increased), then, at my request, returned the interest rate as in the agreement (28%), and the funds overpaid for the time when the set minimum payment was paid at a rate of 36% - refuses to return - writes: the bank has no grounds for recalculation. Is it legal?
19.1. these actions are illegal, so you have the right to apply for the protection of your violated rights in court.
Good luck and all the best
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19.2. The refusal is not legal and you have every right to file a lawsuit against the bank. Good luck and all the best.
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20. She stopped paying payments on the Russian Standard bank loan in full, but at the same time she deposited a smaller amount into the loan agreement account than the payment. After 2 years, the bank filed a lawsuit, allegedly for two years I did not pay at all. What can be done in this situation?
20.1. Good day
According to the norms of the current legislation of the Russian Federation, you underpaid, and therefore you have debts, and rather big ones.
Write a review, make a contrast
Good luck with 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 of the Civil Code. After opening enforcement proceedings, apply for installments and deferred payments. Also, in court, provide all the evidence that at least some money was contributed by you.
Best wishes to you!
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20.3. Get an account statement from the bank for the period during which you made the loan payment. Submit this statement to the court as proof that payments have been made. Apply for a reduction in the amount of the penalty in accordance with Art. 333 of the 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, but the amount has not decreased. I looked at the contract and there is still registered insurance on the loan. I wrote to the bank applications for termination of insurance, applications were taken, but no action was taken. They provided insurance. You can somehow solve the issue with the insurance and return the money for it to the payment of the loan.
21.1. Olga. After you receive a written refusal from the bank, you have the right to apply to the court to terminate the insurance contract and return the funds. However, if the contract was concluded in 2009, after 8 years, it will not be easy to achieve satisfaction of your requirements, and in some cases it will be almost impossible. Arbitrage practice in the regions of the Russian Federation it is completely different .. If you applied, say, within 3 years from the date of the conclusion of the contract, the chances of defending your rights would be 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 about a year on time, then I had problems with work. After half a year, I went to pay with a card, the ATM ate it. Where the bank was already another bank, the contract is lost, and now they call me and write SMS from the trust and guarantee company, they want the whole amount at once, they offered it in parts, they refuse.
What should I do?
And it really affects the credit history, can they issue a loan in another bank?
22.1. Pay no attention to collectors. Send to court. You didn't take anything from them. In case of delay, the bank submits information about this to the credit bureau. In each case, the bank decides to give or not a loan. Sometimes they give out a loan with a bad credit history. Of course, it is better not to take loans at all. This is such a bondage. All the best and good luck in the successful resolution of your situation.
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23. I have a loan in the Russian standard, I pay regularly. But I lost the agreement, I came to the bank to ask for a copy of the agreement, but I was refused, is this legal? Why did I ask for a copy, I have doubts that I am already overpaying. THANKS.
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 the necessary and reliable information about the goods (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 on officials in the amount of five hundred to one thousand rubles; on the legal entities- from five thousand to ten thousand rubles.
Or Art. 14 of the Federal Law "On Personal Data":
The subject of personal data 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 the clarification of his personal data, their blocking or destruction if the personal data is incomplete, outdated, inaccurate, illegally obtained or not necessary for the stated purpose of processing, as well as take measures provided by law to protect their 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 a loan agreement to Russian Standard dated 2014. In 2015, the bank sold the debt to Credit Collection Rus LLC. Proceedings by Judgment.
24.1. Marina
On this basis, the enforcement proceedings cannot be stopped.
In accordance with Art. 52 of the Federal Law "On Enforcement Proceedings" In the event of the withdrawal of one of the parties to enforcement proceedings (death of a citizen, reorganization of an organization, assignment of the right to claim, transfer of debt), the bailiff replaces this party of enforcement proceedings with its 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 Russian Standard Bank stating that you are no longer a debtor of this bank and also submit an application to replace the party in the obligation. But this is usually done by the claimant himself for the bailiff to complete For this enforcement proceeding, a certificate from the bank stating that it has no more claims against you as a debtor with a contract for the assignment of the right to claim is sufficient.
