When Dmitry Argarkov was sent a letter offering him a credit card, he found the rates not to his liking. But he didn't throw the contract away or shred it. Instead, the 42-year-old from Voronezh, Russia, scanned it into his computer, altered the terms and sent it back to Tinkoff Credit Systems. Mr Argarkov's version of the contract contained a 0pc interest rate, no fees and no credit limit. Every time the bank failed to comply with the rules, he would fine them 3m rubles (£58,716). If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles. Tinkoff apparently failed to read the amendments, signed the contract and sent Mr Argakov a credit card.
http://www.telegraph.co.uk/finance/...d-sues-bank-for-not-sticking-to-terms.html?fb
A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court. He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation. Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a 42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms.
The bankers had to admit the mistake, says Agarkov’s representative Dmitry Mikhalevich.
"They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it,'” says Mikhalevich.
http://rt.com/business/man-outsmarts-banks-wins-court-221/
http://www.telegraph.co.uk/finance/...d-sues-bank-for-not-sticking-to-terms.html?fb
A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court. He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation. Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a 42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms.
The bankers had to admit the mistake, says Agarkov’s representative Dmitry Mikhalevich.
"They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it,'” says Mikhalevich.
http://rt.com/business/man-outsmarts-banks-wins-court-221/
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