Many who takes the credit, do not read into the text of the agreement with the bank.
However, if you look carefully, you will see that sometimes banks impose conditions to us, contrary to Russian law. In this case, part of the money can be returned
We are talking about a specific item of the contract - aboutcharging fees for maintaining a bank account, and it is illegal. When you take out a bank loan, you do not open an account in order to transfer to it the means to remove them from it, benefit from it some profit, etc. That is, the bank no effort on maintaining your accounts does not apply. And sometimes the amount of this puts significant. For example, when paying 3,500 rubles per month fee for account maintenance can make 2500 rubles per month. The amount of the commission depends on the loan amount and the bank's policy.
The money you paid for the maintenance of accounts,It can be returned by legal means. The first thing to do - to turn to a special facility to repay bank charges. There are professionals who have already gained experience in such matters. You can also refer to a familiar lawyer or a lawyer - he also mogzhet help, but there is a caveat: it may not be the experience in these matters, and the court will endlessly return him the documents for completion, and yet he can not help you "knock out" money from the bank, while specialized centers do. You're a power of attorney to conduct the case, and for six months forget about everything - then everything would make the lawyers. Minus the work of these centers - their services are more expensive than the services of lawyers. Although the costs of court costs and the court will return, but not completely.
Anyway, the first thing is to start -contact the center to return the bank charges for advice. As a rule, it's free. The manager will tell whether something else or return deadline has already passed, and almost certainly will calculate the amount you can demand from the bank. And just to say how much the service will cost them to repay the money. You can immediately decide - will take up this case or not. If so - will have to immediately pay the cost of the examination and take a notary power of attorney for the center to return the bank commissions. examination period - about 10 days. Then you call and say that things have gone in the course and have to pay for services of the center. Cost depends on the amount of return - the higher the return, the greater the cost of the work of lawyers.
Then you have to wait. While a letter demanding the return goes to the bank until a month later the bank will respond until the case goes to court and the judge will appoint a meeting time, will take approximately 4 months. Then there will be a preliminary hearing, then the meeting. If a bank representative will not come - meeting postponed. All this time, you can make calls and manage how your business is moving. But earlier than 6 months to return the money is unlikely to succeed - this is the procedure.
But now comes the long-awaited moment when the lawyerCenter calls you and says that it decided in your favor, that the letter demanding the return of your money has gone to the Central Bank, and that in a month you can check your card or bank account. After that you can go again to the same organization and to write a statement on the return of court costs. Similarly, the whole procedure begins with the court, and then you return the money that you spent on the payment of services of the center. The size of this amount depends entirely on the judge's decision.
In this case, there are some nuances: the bank may offer to go to the world, and wants to give you back only the amount for maintaining a bank account, or begin to appeal to the conscience and say, "You're taken advantage of this money." Keep in mind that the Court, as a rule, returns and more interest for the use of this money, and it is quite significant. Also, do not fall for the advertising of banks, which put a merit that they give out loans without payment of keeping score. Now you already know that they just started to comply with the law, because they had to return to many people illegally taken from their money.</ P>