Bank services specified in contracts as voluntary are often more voluntary-compulsory in nature. For example, insurance services when concluding consumer lending agreements. This violates consumer rights, but banks use their right to refuse a loan by imposing these services on customers, the cost of which is often 80% of the bank commission.
Instructions
Step 1
The bank takes this commission as an intermediary between the insurance company and the bank's client. At the same time, the cost of insuring a consumer loan in the insurance company itself can be only a tenth of the cost that the bank offers to pay to its client. About the same or a little more are taxes, and the rest is the bank's net profit. What if a similar service is offered by a Russian bank?
Step 2
Despite the threat of non-disbursement of the loan, refuse the imposed insurance. It is best to do this at the stage of concluding a loan agreement. Most likely, this will not really affect the issuance of a loan.
Step 3
If you have already agreed to participate in the insurance program, then it is not too late to refuse here either. To do this, write an application addressed to the head of the department where you took out the loan. The application can be written in free form, and if 30 days have not passed since the date of the loan, the bank must pay you the entire amount of insurance.
Step 4
If more than 30 days have passed, but no more than three months, then the bank will deduct the amount of its expenses for connecting to the insurance program and paid taxes and return the balance to you, that is, most likely, about 50% of the amount.
Step 5
It also happens that the bank itself returns half of the amount paid by the borrower for insurance, if the borrower repaid the loan within a year (of course, this applies to contracts concluded for a period of more than a year). It depends on the internal rules of the bank.
Step 6
If the loan is still denied, you can file a complaint with the Federal Antimonopoly Service or Rospotrebnadzor. You just need to prove that you were forced to pay for insurance (for example, using a dictaphone recording). In this case, the terms of the loan agreement can be challenged in court.
