05 Май. 2014 г.|
Tinkoff credit systems bank
A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court.
Tinkoff Credit SystemsIn 2008, Dmitry Agarkov received an unsolicited letter from Tinkoff Credit Systems (TCS)В offering the 42-year-old Russian man a credit card with what he found to be unattractive rates.
He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation.
He scanned the contract in the letter into his computer and altered it in his favor, including, for example, a 0% interest rate, no fees, and no credit limit. This week a Russian judge decided that Agarkov was right — as the bank had signed the contract (apparently without looking at it), they were legally bound to it, and Agarkov was only asked to pay his outstanding balance of 19,000 rubles ($575). TCS founder Oleg Tinkov took to Twitter to say that his lawyers think the 24 million rubles figure is a "pipe dream" and that Agarkov will get four years in prison for fraud.
Moreover, every time the bank didn't stick to these rules, they'd be fined 3 million rubles — $91,000 — which of course would go to Agarkov.