Many who take out a loan do not read the text of the agreement with the bank. However, if you look closely, we will see that sometimes banks impose conditions on us that are contrary to Russian law. In this case, part of the money can be returned
We are talking about a specific clause of the agreement - about charging a commission for maintaining a bank account, and this is illegal. When you take a loan from a bank, you do not open an account in order to transfer funds to it, withdraw them from it, receive some kind of profit from this, etc. That is, the bank does not make any efforts to maintain your account. And sometimes he exposes significant amounts for this. For example, if you pay 3,500 rubles per month, the payment for maintaining an account can be 2,500 rubles per month. The amount of the commission depends on the amount of the loan and on the policy of the bank.
The money that you paid for maintaining the account can be returned legally. The first thing to do is contact a special center for the return of bank commissions. There are professionals who have already gained experience in such matters. You can also contact a lawyer or a lawyer you know - he can also help, but there is one caveat: he may not have experience in these cases, and the court will endlessly return documents to him for revision, and he will also not be able to help you "knock out" money from the bank, while specialized centers do it. You write a power of attorney to handle this case, and for six months you forget about everything - then everything will be done by lawyers. The minus in the work of these centers is that their services are somewhat more expensive than the services of lawyers. Although the court will also return the costs of legal costs, but not in full.
One way or another, the first thing to start with is to contact the bank commission refund center for advice. This is usually free. The manager will tell you if something else can be returned or the deadline has already passed and will almost accurately calculate the amount that you can demand from the bank. And he will immediately tell you how much their service will cost to return this money. You can immediately decide whether you will take up this business or not. If so, you will have to immediately pay the cost of the examination and take a power of attorney from the notary for the center for the return of bank commissions. The examination period is approximately 10 days. After that, they will call you and say that things have started and you need to pay for the services of the center. The cost of the service depends on the amount of the refund - the greater the refund, the more the cost of the work of lawyers.
After that, you have to wait. Until the letter with the demand for the return goes to the bank, until the bank responds in a month, until the case goes to court and the judge sets the date for the meeting, it will take about 4 months. Then there will be a preliminary hearing, then a meeting. If the bank's representative does not come, the meeting will be postponed. All this time, you can call and inquire about how your business is progressing. But earlier than after 6 months, it is unlikely that you will be able to return your money - this is the procedure.
But then the long-awaited moment comes when the center's lawyer calls you and says that the case has been decided in your favor, that the letter with the requirement to return the money to you has gone to the Central Bank, and that in a month you can check your card or bank account. After that, you can go again to the same organization and write an application for the return of legal costs. In the same way, the whole procedure with the court will begin, and then part of the money that you spent on paying for the services of the center will be returned to you. The amount of this amount depends entirely on the decision of the judge.
In this case, there are some nuances: the bank may offer to go to peace and will want to return you only the amount for maintaining a bank account, or will start appealing to your conscience and saying that "you did use this money." Please note that the court, as a rule, also returns the interest for the use of this money, and it is quite significant. Also, do not fall for the advertisements of banks that take credit for issuing loans without paying for maintaining an account. Now you understand that they just started to comply with the law, because they had to return to many people the money illegally taken from them.
