Cheating customers by banks

Specialist lending business, Maria Nikiforova, agreed to tell us a concrete example that will show how banks cheat customers.

Maria:

Now, it is the popularity of credit cards. However, this popularity, and attracts the same scam. Some of them, steal credit cards, while others learn pincode. There are many clever ways to cheat, but it now will not talk about them. Now, the story will be about how to cheat their customers, banks and in any litigation translates this deception.

In 2007, Irina Petrova, finally got a credit card you've been waiting for. To her, of course, attached operating conditions and different advertising bukletiki. These leaflets have been written that after activation credit card, its owner will be able to enjoy a certain amount of money the bank, which was also stipulated in the same statement. In turn, the borrower should have been paid: monthly fees that are charged for using the credit card commission on exchange transactions, interest to the bank, as well as a fee for withdrawals.

Still do not feel the catch? I will now explain. The conditions that have been written on the advertising leaflet, they are also the terms of the contract! The interesting thing is that in this "contract" is not a word, the return of credit debt. But Irina, this fact has not confused. She activated her card. Then, she wrote a letter to a bank, which would ask the final amount paid on the loan. Bank employees she replied that, in a monthly statement that it receives in the mail, specify the amount of the mortgage payments and all that is required of it, it's time to pay these amounts.

You probably already guessed what happened next? After a while, Irina Petrova, began to notice that the debt on the loan, not decreasing, even though she paid for all regularly. Irina started calling the bank and ask how this could be, but any clear answers to the question, and has not received. After these events, a national Petrova, appealed for help to the court and won the case, because, clearly visible, illegal actions of the bank.

Unfortunately, not many people who can see these breaking the bank then, just so they become perpetual debtors. But, even when the person has already paid the debt and credit card is returned to the bank, it can get a letter from the bank, which will be said that he has paid the whole debt and not have to get it back, or there will be problems.

The main thing in this situation - it is not to worry and not to succumb to provocations. Keep all correspondence with the bank, bank checks and other documents that would, if anything, you can go to court and prove their case. In judicial practice, we know many cases of fraud and if you do justice, then, the truth will always be yours.