Sometimes a loan becomes a real opportunity to buy an apartment or a car, go on vacation or make repairs. But very often, some banks enter into the loan agreement the terms of payment of various additional commissions. Is this correct and how can the money paid back be returned?
Instructions
Step 1
Banks usually charge additional fees for opening and maintaining a loan account, for issuing a loan, etc. But all these operations are the direct responsibility of the bank, not services. Therefore, you have the right to refuse to pay them. But keep in mind that if you immediately refuse to pay commissions under the agreement, the bank may simply refuse to grant you a loan. But there is a way out, because you can return your hard-earned money even after the loan has been taken and the commissions have already been paid.
Step 2
In order to get back the entire paid amount, you need to independently contact the bank directly with a claim or act through specialized organizations for the protection of consumer rights. In the first case, write a certified letter addressed to the bank manager. In your claim, ask the bank to invalidate the clause of the loan agreement regarding the payment of the commission and the return of the entire amount paid. Be sure to indicate in the letter that if the bank refuses to satisfy the claim and the case goes to court, then the defendant will be sued for compensation for moral damage and legal costs. In addition, he will be obliged to pay a fine in favor of the state in the amount of 50% of the amount awarded by the court to the borrower.
Step 3
You can also get your money back by contacting a consumer protection organization. You will only need to write an application and submit a copy of the loan agreement, as well as a receipt for payment of the commission to the bank. Further, the specialists themselves will prepare all the necessary documents and negotiate with the bank.
Step 4
Remember that you will only be able to refund commissions paid within the last three years.
Step 5
As practice shows, in most cases, banks try not to bring the case to court, since this is fraught with additional costs for them.
