Unfortunately, bank customers often face unpleasant situations that lead to loss of time, nerves and, of course, money. Moreover, the reason for this is usually not the lie of employees, but rather a half-truth, the silence of some important facts or their not entirely correct presentation.
The most common bank frauds
Some banks, alas, even decide to cheat. One of its most popular options is attributing a small loan debt to the client, which is growing every year. As a result, a person learns that he owes the bank a large amount, even if he is sure that he paid on time and gave the required amount, avoiding any debts.
In this case, the problem can be solved only thanks to payment systems. Unfortunately, bank customers often throw them away, and as a result, they cannot prove their case. This is exactly what fraudulent employees are counting on.
You can face serious problems when paying the minimum loan payment. As a rule, bank employees say that by paying the minimum amount, you will certainly repay the loan, but they do not specify the exact term. As a result, by borrowing money for a long time and paying the minimum amount on a monthly basis, you may find that your debt is constantly growing. This is because the payment is calculated for a shorter maturity, and in your case it does not even cover interest.
Thus, for several months the client simply gives the money to the bank, not even approaching the end of the loan repayment.
Sometimes bank employees give seemingly correct information, but do not clarify it and thus confuse the client. For example, the grace period for payments, during which the client can return the borrowed amount without interest, is usually 30 days. However, in many cases it ends on the 1st of the next month. Those. this period will indeed be 30 days, but only if it starts at the beginning of the month. For example, if you take out a loan on January 30, the grace period will end on February 2, i.e. in two days and you have to pay interest, which is usually very high.
How a bank employee can cheat a client
"Free" cards are very popular, which bank employees allegedly just give. The client is informed that the card will be serviced free of charge throughout the year, regardless of whether it was used or not. At the same time, the fact that in the future the service of the card becomes paid is kept silent or only casually blurted out. In the first year, you really won't pay anything, but then the bank will reissue the card for you, moreover, this service will already be paid. If you do not return the required amount on time, penalties and additional interest will appear. Over time, the amount of debt will only grow, and you will no longer be able to prove your case to the bank, since you really agreed to provide the service.
