The practice of the production of magistrates' courts with the bank trust. Statement of claim to the court against NB "Trust" - trust journal - LJ. Bank "Trust", what to do with a loan

However, the court's decision applies to potential members of the group only in terms of exemption from proving already established circumstances.

• The principle of the unity of the subject matter and the basis for the claims of the members of the group is introduced (the possibilities of using class actions are expanding compared to the APC)

Indirectly, the possibility of going to court in defense of an indefinite circle of persons is also provided for in a number of other laws, for example, in the Federal Law of June 23, 1999 N 117-FZ “On Protection of Competition in the Financial Services Market”. According to Federal Law No. 108-FZ of June 18, 1995 “On Advertising” (Article 26), which was in force until July 2006, the federal antimonopoly body was entitled to file a lawsuit with a court to protect the rights and interests of an indefinite circle of advertising consumers. To date, class action is still rarely used in Russia.

Collective liability

At the same time, the judiciary can either satisfy the demands of workers or refuse them. The second option is possible if the employer provides confirmation that the payments have actually been made. It is worth considering that the maximum period during which you can go to court is 3 months, starting from the date when the employee's rights were violated.
If the plaintiff missed this deadline, the court has the right not to satisfy the filed claim. To avoid this, the defendant can file another application - about missing the statute of limitations. When filing a claim in case of non-payment of wages by the employer, the employee whose rights have been violated is exempted from paying the state fee.
About unlawful dismissal If the employer committed violations when dismissing an employee, this is a reason to file a complaint with the labor inspectorate or the judicial authority.

class action lawsuit

They have the right to apply to the judicial authority with a claim for the protection of the rights, freedoms and interests of other persons, if they have received such a request. To the employer On the recovery of wages Upon dismissal, the employer must pay all the money to the employee, as well as return his labor. The employee has the right to apply to the labor protection inspectorate if, upon dismissal, he was not paid the entire amount due under the contract.

When an employee contacts the labor inspectorate with a corresponding complaint, his issue must be considered within 10 days, as defined by Art. 390 of the Russian Labor Code. If the commission does not make any decision within the allotted time, the claim will be considered in court.

When does collective liability come into play?

Dissolution of Marriage Claim The answer to the question for the bar exam. Making a claim in the arbitration process. Leaving the statement of claim without movement and. Can. But it is better to get a divorce first, and then share the property and the child, otherwise the dissolution of the marriage may be delayed (there is such an example among acquaintances when court hearings are postponed and rescheduled at the initiative of one of the parties).
It is possible, in any case, a case for at least six months, examination, time for reflection, a counterclaim is possible, etc. Possible + alimony Possible Depends on the value of the property How to draw up a statement of claim? Determining the price of a claim What is a counterclaim? In what cases can the hearing of the case be postponed? Secondly, judges receive citizens no more than twice a week for only a few hours, so the likelihood that the reception ...

How to file a class action lawsuit

The most common class action lawsuits are:

• The claim of depositors of large banks in case of their bankruptcy;
• Claims of participants in the shared housing construction agreement;
• Claims of tenants against the management company;
• A lawsuit from a group of clients of insurance companies dissatisfied with the insurance policies sold to them;
• Claims of buyers against sellers of goods and services;
• Corporate dispute claims;
• Claims on disputes related to the activities of professional participants in the securities market;
• Claims for damages caused by an environmental offense
• Claims against tour operators;
• Claim for the reinstatement of a group of laid-off workers.

One of the largest cases in Russian practice, which included three class actions at once, was the case against the Labyrinth tour operator.

Two claims in one application

• Possibility of damages to all plaintiffs. Practice shows that in individual cases, plaintiffs who filed a claim earlier often receive more compensation than those claimants who filed a claim later. When a class action is satisfied, all participants in the process receive compensation in proportion to the losses incurred.

• A class action lawsuit helps psychologically confront the financially strong side.

• High-profile class action lawsuits attract public and media attention, which increases the chances of a fair trial.

Disadvantages:

• The Arbitration Procedure Code of the Russian Federation provides that if, after filing a class action, another person applies to the court, whose requirements are similar to those of a class action, he will be asked to join the class application.

Excellent inventory!

Attention

If the price of the claim being filed is less than 50 thousand rubles, it will be considered by a justice of the peace. Download a sample complaint against a management company An application is submitted to the district court if:

• the dispute, which is declared, is of a non-property nature (for example, the plaintiff puts forward a demand to the management company to bring some documentation into line);
• a property claim is filed, while the plaintiff cannot determine the amount of the stated claims on his own;
• The plaintiff only seeks compensation for non-pecuniary damage.

For claims that do not reach 1 million rubles, the applicant does not have to pay the state fee. With regard to the place of application, it can be submitted at the place of residence of the applicant, at the place where the contact was made or at the place where the defendant is located.

Important

When determining the share of responsibility of each of the employees, the court must establish the amount of damage to be repaid by each of the employees, taking into account the degree of guilt of each employee, the amount of the official salary of each person, etc. Exemption of the employee from collective liability. According to. 3 art. 245 of the Labor Code of the Russian Federation, an employee who has signed an agreement on collective liability, if there are appropriate grounds, may be released by the court from paying damages to the employer, but the obligation to prove his innocence in causing damage to the employer or his property lies entirely on the employee himself.

The obligation of the employee to prove his innocence was confirmed in its Ruling of June 24, 2008 N 349-О-О by the Constitutional Court of the Russian Federation “On the refusal to accept for consideration the complaint of citizen B.E.V.

Wages are paid to the employee twice a month, on days set by the employer. A claim for the recovery of wages is filed with the district city court, regardless of the value of the claim. 1. if a claim, then not an accusation, but a demand; if the accusation is a statement, decide and do you write for two or what? can be in a personal or mail Write to the priest, so he excommunicated them from the church. If in one place at the same time various crimes were committed against you together, then write 2 statements in the order of private accusation for each separately, where you indicate the actions of both. If at different times and places, then for each person separately.

It's the same with civil lawsuits. 1. Statements in the order of private prosecution to the justice of the peace for each.2. Be sure to need witnesses.3. Everything needs to be done quickly - these articles can be removed from the Criminal Code. Won't go. These are two different claims.
You indicate as co-respondents, the prosecutor's office, Putin, the housing office, and at least anyone and all at once, and the judge will figure out which of them is to blame and for what, based on your arguments. You fool, you fool! (A.S. Pushkin)… Something came to my mind…. So… Separate lawsuits….

Info

Although letters to the region and the region - received some replies! You write yourself - they did not answer ... And what and with what to the court? I think - the court will refuse - there are no grounds for prosecution ... They closed it for a month - if they released it - then there are already grounds for a lawsuit! You ask a question - everything is in a heap! It's unclear.

What cases about what goes about what crimes? Probably for a start it is necessary to tell the essence of the matter, what is happening. The application is not a protocol on an administrative offense, there you can write everything at once in one application. This law does not violate any standards for writing a statement.
The powers of the federal antimonopoly body for state control in the field of advertising // ConsultantPlus.

• 1 2 3 Collective (group) lawsuits // All-Russian People's Front.
• The Advantages and Disadvantages of Class Action Lawsuits // LawInfo.
• Irina Tsvetkova Non-mass consciousness: why class actions are dangerous for large companies // Forbes.
• 5 largest compensations for class actions // pravo.ru.

• Civil Procedure Code of the Russian Federation of November 14, 2002 No. 138-FZ (as amended on December 19, 2016) (as amended and supplemented, intro.

SOLUTION

IN THE NAME OF THE RUSSIAN FEDERATION

Oktyabrsky District Court of Samara consisting of:

presiding judge Yakusheva E.V.,

At the court session secretary Kutepova Z.V.,

Having considered in an open court session civil case No. 2-4266/14 on the claim of NB TRUST (OJSC) against ZHLS for the recovery of debt under the loan agreement and the counterclaim of ZHLS against NB TRUST (OJSC) to invalidate the loan agreement in terms of establishing percent,

SET UP:

NB "TRUST" (JSC) 30.06.2014 appealed to the court with the above statement of claim, referring to the fact that the date. The National Bank "TRUST" (OJSC) and ZhLS entered into a loan agreement No.... on the basis and conditions of an earlier concluded loan agreement No.... dated date (Agreement 1). Contract 1 is concluded in an offer-acceptance form, in accordance with the provisions of Art. , And . The loan under Agreement 1 was provided on the terms and conditions contained in the Loan Application, Loan Provision and Servicing Conditions, Settlement Card Terms, Tariffs, Card Tariffs, Settlement Card Tariffs, as well as other documents containing credit conditions. In the Application, the Respondent agreed that the acceptance of his offer to conclude Agreement 1 is the actions of the Lender to open an account and a special card account for him (hereinafter referred to as SCS), and the Terms, Conditions on the card, Tariffs, Tariffs on the card and the Payment Schedule are an integral part of the Application and Agreements 1. In the Application, the Respondent expressed his agreement with the Conditions on the Settlement Card, Tariffs on the Settlement Card, undertook to comply with them and asked the Bank to conclude an Agreement on the Settlement Card with him, within the framework of which, in accordance with the Conditions on the Settlement Card, open a bank account/accounts for him and provide for use an international settlement Bank card/cards of NB "Trust" (OJSC) with a limit of allowed overdraft. In accordance with paragraph 2.1 of the Settlement Card Terms and Conditions, the Bank concludes an Agreement with the Client by accepting the Client's offer contained in the Application by opening an SCA. Simultaneously, the Bank accepts the Client's offer to provide the Card by issuing the Card. The date of conclusion of the Agreement is the date of activation of the Card by the Client. The Card is handed over to the Client not activated or can be activated by the Bank in automatic mode at the request of the Client immediately upon its issuance. In order to perform Transactions with the Card, the Client must sign on the back of the Card and activate it (if the Card was not activated automatically when it was issued) by calling the Bank's Customer Service Center by phone or by contacting the Bank's branch. When the Client contacts by phone, the Card is activated by the Bank, if the Client provides the Bank with the relevant information by phone, which allows the Bank to identify the Client. The Card is activated by the Bank when the Client applies to the Bank branch on the basis of the identification document presented by the Client. The Bank fulfilled its obligations. The defendant received the Settlement Card no. .. with the allowed overdraft limit on the following terms: the allowed overdraft limit is *** rubles, the interest for using the loan is ***% per annum; validity period of the Settlement Card - *** months. Thus, the Bank and the Borrower, by mutual agreement, entered into a new loan agreement (Agreement 2), which was assigned No.... Agreement 2 was concluded in an offer-acceptance form, in accordance with the provisions of Art. , And . In accordance with clause 5.5 of the Settlement Card Terms and Conditions, the Bank provides the Client with a Credit for performing SCA Transactions, which are not limited by the Settlement Card Terms, in case of insufficient or no own funds on the SCA to perform the Operations. Transactions mean non-cash payments (including payment for goods / services in trade / service organizations), receipt of cash at cash points and ATMs, depositing cash and crediting funds to SCA. In accordance with clause 5.10 of the Settlement Card Terms, the Client is obliged to repay the debt by paying the Minimum Repayment Amount during the Payment Period following the Settlement Period. In case of failure to pay the Minimum Repayment Amount within the established time limits or payment of an incomplete repayment amount, the Respondent will be charged a penalty for missing the payment of the Minimum Repayment Amount in accordance with the Tariffs. In accordance with clause 5.13 of the Settlement Card Terms and Conditions, if the Client has not repaid the debt to pay the Minimum Repayment Amount before the end of the Payment Period, an overdue debt arises, which consists of unpaid interest and included in the Minimum Repayment Amount and the principal debt included in the Minimum Repayment Amount . In violation of the Terms and Conditions of the Settlement Card and the provisions of the law, the Respondent does not undertake and continues to evade the fulfillment of the obligations assumed for the scheduled repayment of the current debt. The plaintiff, stating these claims, presents for collection the debt on the date. in the amount of *** rub. including: the amount of the principal debt in the amount of *** rubles; interest on the loan in the amount of *** RUB. Referring to Article.Article. - , - , Art. - , - asks to recover from ZHLS in favor of the National Bank "TRUST" (JSC) the debt under the loan agreement in the amount of *** rubles. *** cop., the cost of paying the state fee in the amount of *** RUB. *** cop.

08/06/2014 JLS filed a counterclaim, alleging that her rights as a consumer were violated, Trust bank misled her, since she was sent a card with a loan offer at ***% per annum. The bank's claims ***% per annum considers illegal and unreasonable. He asks to invalidate the condition on the interest for the use of ***% per annum, to oblige the bank to recalculate at *** per annum. To satisfy the bank's claim in part.

JSC NB "TRUST" clarified the claims, indicating that in the Application for a loan (page 4 p. Settlement Card, within the framework of which, in accordance with the Conditions for the Settlement Card, open a bank account/accounts (Settlement Card Account) and provide for use an international settlement Bank card/cards of NB Trust (OJSC) with a permitted overdraft limit (Settlement Card). In the information letter sent by the ZHLS with the Bank card, where her card number and account number are indicated, as well as the interest rate - ***% per annum next to this rate is indicated - *, on the reverse side of the letter there are explanations - * For details, see the Tariff plan. Therefore, it is necessary to refer to the Tariffs and Conditions with which the Respondent was previously acquainted. As specified in clause 5 of the Tariffs, the interest rate that is effective if the client fails to meet the conditions of the current period of preferential lending is indeed equal to ***% per annum, but this rate is applied only if (clause 5.12.2. of the Terms) if within the period specified in the Statement as the end date of the grace period, the Client has not deposited on the Account an amount of funds sufficient to repay in full the amount of the Indebtedness indicated in the Statement, then in relation to the amount of loans granted during the Grace Period, the Grace Period of crediting does not apply and interest on the amount of such Credits is calculated in accordance with the procedure established in clause 5.8. According to the calculation of the debt on the Client's credit card, it was found that the Client made a delay in payment and therefore the interest rate - ***% was not applied to this debt, and interest was accrued in accordance with paragraph 8 of the Tariffs - ***% per day -** *% per annum. The tariffs and conditions with which the Respondent was acquainted when signing the contract are attached to the claim. Requests to recover from ZHLS in favor of NB "TRUST" (JSC) the amount of debt in the amount of *** RUB. (***.), as well as the cost of paying the state fee in the amount of *** RUB.

At the hearing, the representative of the plaintiff did not appear, asked to consider the case in his absence, insisted on satisfying the claim.

The defendant ZhLS explained at the court session that she received the card and the money, paid the loan in installments, read the conditions and tariffs. She did not dispute the presence of debt up to the date of the year, explaining that she is currently repaying the loan in a timely manner. Claims recognized partially in terms of debt on the amount of principal in the amount of *** RUB. I do not agree with the amount of interest for using the loan, since the bank has overestimated the interest from *** to ***% per annum. She asked to satisfy the counterclaim, to satisfy the bank's claim in terms of the principal debt with ***%.

After listening to the JLS, examining the materials of the case, the court comes to the following.

Claims of NB "TRUST" (JSC) to ZhLS for the recovery of debt under the loan agreement - to satisfy.

Collect from ZHLS in favor of the National Bank "TRUST" (JSC) debt under the loan agreement in the amount of *** RUB. *** cop., the cost of paying the state fee in the amount of *** RUB. *** kop., and only *** rub. *** cop. (***).

To satisfy the claims of ZHLS against NB "TRUST" (OJSC) to invalidate the loan agreement in terms of setting interest - to refuse.

The decision can be appealed to the Samara Regional Court, through the Oktyabrsky District Court according to Article. within a month from the date of the final decision of the court.

Judicial practice on the application of the norms of Art. 334, 352 of the Civil Code of the Russian Federation

Case No. 2-3758/2016

SOLUTION

In the name of the Russian Federation

The Central District Court of the city of Tver, consisting of:

presiding judge Stepanova E.A.,

under Secretary Kudryavtseva A.A.,

with the participation of the representative of the plaintiff Mesropyan N.A., acting on the basis of a power of attorney,

defendant N.I. Zvonkov,

Having examined in open court in the city of Tver a civil case under the claim of PJSC Bank «Trust» to Zvonkov N.AND. on the collection of debt under a loan agreement,

installed:

PJSC Bank "TRUST" appealed to the Central District Court of the city of Tver with a statement of claim against Zvonkov N.AND. on the recovery of debt under a loan agreement, court costs.

In support of the stated requirements pointed out that DD.MM.YYYY OAO NB «TRUST» and Zvonkov N.AND. entered into Agreement No. (Agreement 2, Payment Card Agreement) on the basis and conditions of the client’s application, on the basis of which Credit Agreement No. dated DD.MM.YYYY (Agreement 1) was also concluded.

Contracts 1 and 2 are concluded in an offer-acceptance form, in accordance with the provisions of Art. , And .

The loan under agreement 1 was provided on the terms and conditions contained in the loan application, conditions for granting and servicing loans, and tariffs. At the same time, the loan application also contained the client's offer to conclude a mixed agreement with him, containing elements of an agreement on opening a bank account, an agreement on the provision of a bank card for use in accordance with the Terms of Provision and Maintenance of International Settlement Bank Cards BANK "TRUST", tariffs on the international settlement bank card BANK "TRUST", as well as other documents containing the terms of credit.

In the application, the borrower agreed that the acceptance of his offer to conclude an agreement 1 is the actions to open an account and a special card account for him, and the conditions, tariffs and payment schedule are an integral part of the application and agreement 1.

In the application, the borrower also expressed his consent to the terms and conditions of the payment card, tariffs for the payment card, undertook to comply with them and asked the bank to conclude a payment card agreement with him, under which, in accordance with the conditions of the payment card, open a bank account/accounts for him and provide for the use of an international settlement bank card/cards of TRUST BANK (PJSC) with an allowed overdraft limit (settlement card).

In connection with the conclusion of the agreement 1 by the bank and the borrower, the borrower receives a payment card, with the terms of use of which he agreed in advance. Subsequently, at will, the borrower can activate this payment card, thereby concluding another agreement - agreement 2.

The Bank fulfilled its obligations. At the conclusion of the contract 1, the defendant received a settlement card No. with a permitted overdraft limit on the following conditions: the amount of the permitted overdraft limit - , interest for using the loan - , the validity period of the settlement card - DD.MM.YYYY. Thus, the bank and the borrower, by mutual agreement, entered into a mixed agreement, which was assigned No.

In accordance with clause 5.5 of the Conditions on the payment card, a loan is provided by the bank to the client for making transactions on the SCA, the conduct of which is not limited by the conditions on the payment card, in case of a lack or absence of own funds on the SCA for making transactions. Operations mean non-cash payments (including payment for goods, services), receipt of cash at cash points and ATMs, depositing cash and crediting funds to SCA. According to clause 5.10 of the payment card conditions, the client is obliged to repay the debt by paying at least the minimum repayment amount during the payment period following the settlement period. In case of non-payment of the minimum repayment amount within the established time limits or payment of an incomplete repayment amount, the defendant will be charged a penalty for missing the payment of the minimum repayment amount in accordance with the tariffs.

In violation of the terms of the payment card and the provisions of the law, the defendant does not take measures and continues to evade the fulfillment of the obligations assumed for the planned repayment of the current debt under contract 2, in connection with which, for the period from DD.MM.YYYY to DD.MM.YYYY the defendant to the bank formed a debt in the amount, including the amount of the principal debt in the amount of interest for the use of the loan in the amount of

The defendant's violation of the terms of the loan agreement is significant, entails such damage for the Bank that the bank is largely deprived of what it has the right to count on when concluding the agreement.

In connection with the foregoing, the plaintiff filed a lawsuit against the defendant, and asks the court to recover from the defendant in his favor the debt under loan agreement No. in the amount of the cost of paying the state fee in the amount of

At the hearing, the representative of the plaintiff Mesropyan NA, acting on the basis of a power of attorney, supported the claims stated by the plaintiff in full on the arguments and grounds set forth in the statement of claim. He objected to the defendant's petition to terminate the proceedings on the arguments and grounds set out in the written objections to the petition. He also explained that in the application, the borrower expressed his agreement with the Terms of the payment card, tariffs for the payment card, undertook to comply with them and asked the bank to conclude an agreement with him on the payment card, under which, in accordance with the Conditions for the payment card, open a bank account for him and provide for use an international settlement bank card with an allowed overdraft limit. According to clause 2.1 of the Terms and Conditions for the payment card, the bank concludes an agreement with the client by accepting the client's offer contained in the application by opening the SCA. At the same time, the bank accepts the client's offer to issue a card by issuing a card. The date of conclusion of the agreement is the date of activation of the card by the client. The card is handed over to the client non-activated or can be activated by the bank in automatic mode at the request of the client immediately upon its issuance. The bank and the borrower, by mutual agreement, entered into an agreement, which was assigned No. At the same time, the evidence indicating that the defendant handed over the payment card to the bank was not presented by the defendant, and the bank does not confirm this information.

At the hearing, the defendant N.I. , asked the court to apply the consequences of missing the limitation period for late payments. At the same time, he explained that when concluding loan agreements, he received 2 bank cards, but after paying off the debt on loan No. 1, he returned the cards to the bank, he does not remember whether he used a payment card or not.

After hearing the representative of the plaintiff Mesropyan N.A., acting on the basis of a power of attorney, the defendant Zvonkov N.I., having examined the case materials, the court comes to the following.

According to the latter, the performance by the person who received the offer, within the period established for its acceptance, of actions to fulfill the conditions of the contract specified in it (shipment of goods, provision of services, performance of work, payment of the appropriate amount, etc.) is considered acceptance, unless otherwise provided by law, other legal acts or not specified in the offer.

The fact of the conclusion between the plaintiff and the defendant of the loan agreement No. is evidenced by the statement of Zvonkov N.AND. on granting a loan for urgent needs from DD.MM.YYYY, the profile of Zvonkov N.I. to the application for a loan for urgent needs, as well as the actions of the bank to open an account no.

As follows from the account statement No., agreement number No., start date of the agreement DD.MM.YYYY, card number No., card activation date DD.MM.YYYY, card credit limit

According to the defendant's application for a loan from DD.MM.YYYY, Zvonkov H.AND. understands and agrees that the lender has the right to repeatedly make offers to establish and subsequently change the credit limit on the payment card by sending the borrower an appropriate notice, the acceptance of which will be the actions of the borrower to activate and use the payment card / express the borrower's consent to the lender with the amount the credit limit on the payment card / expressing consent to the creditor to activate the payment card, if the payment card was received by the borrower simultaneously with the conclusion of the agreement.

As follows from the statement, Zvonkov N.AND. agreed that before activating the payment card, the borrower undertakes to familiarize himself with the information on the full cost of the credit on the payment card provided by the creditor in accordance with clause 2.2 of the application, and only in case of agreement with the total cost of the credit on the payment card, take actions to activate the payment card / Express to the creditor your consent to activate the payment card, take actions to activate the payment card / express to the creditor your consent to activate the payment card

By his signature on the application, the defendant confirms the fact that he received one copy of the application, payment schedule, tariffs, tariffs for the card, tariffs for the payment card, conditions for the payment card, memo of the insured person, which contains the conditions of the collective insurance program for loans for urgent needs and / or collective insurance programs for cardholders, as well as the fact of receiving payment card No., consent to its activation.

The court has no grounds to doubt the validity of the will of the parties when concluding this agreement.

From the statement of the account of the defendant it follows that the defendant used the funds within the limits of the credit limit established by the plaintiff, and improperly fulfilled his obligations under the contract concluded with the plaintiff, which led to the formation of debt. Evidence of the return to the creditor of payment card No. was not presented to the court.

At the same time, the court sees no grounds for terminating the proceedings under par. 3 art. , because as follows from the operative part of the decision of the justice of the peace court district №4 Proletarsky district of Tver from DD.MM.YYYY, the National Bank "TRUST" (JSC) appealed to Zvonkov N.Yew. with claims for the recovery of debt under loan agreement No. dated DD.MM.YYYY, while in the framework of the civil case under consideration, the subject of the claim is the debt under loan agreement No. In connection with the foregoing, the grounds and subject matter of the lawsuit previously filed by PJSC NB "TRUST" are other than those considered in the framework of this civil case.

Based on the foregoing, the court concludes that the statute of limitations on the plaintiff's claims for the recovery of interest on the loan, a fine for missing the minimum payments that arose before DD.MM.YYYY in the amount has expired. The amount of debt under the loan agreement as of DD.MM.YYYY will be

By virtue of h.1 Article. court costs consist of the state fee and the costs associated with the consideration of the case.

According to h.h. 1.2 Art. the party in whose favor the court decision was made, the court awards on the other side all the court costs incurred in the case. If the claim is satisfied in part, the court costs indicated in this article shall be awarded to the plaintiff in proportion to the amount of claims satisfied by the court, and to the defendant in proportion to that part of the claims in which the plaintiff was denied.

Claimant paid the state duty in the amount, as evidenced by payment orders from DD.MM.YYYY №, from DD.MM.YYYY №. In connection with the foregoing, the costs of paying the state fee in the amount of

Based on the foregoing, guided by the articles - Code of Civil Procedure of the Russian Federation, the court

decided:

Claims of PJSC Bank "Trust" to Zvonkov N.AND. for the recovery of debt under the loan agreement to partially satisfy.

recover from Zvonkov N.AND. in favor of PJSC Bank "Trust" debt under the loan agreement No. in the amount, as well as a state fee in the amount of

The decision can be appealed by the parties on appeal to the Tverskoy Regional Court through the Central District Court of the city of Tver within a month from the date of its manufacture in the final form.

Judge signature E.A. Stepanova

Court:

Central District Court of Tver (Tver Region)

Plaintiffs:

Public Joint Stock Company National Bank "TRUST"

Respondents:

Zvonkov N.I.

Judges of the case:

Stepanova Ekaterina Aleksandrovna (judge)

Litigation on:

Recognition of the contract as not concluded

Judicial practice on the application of the norm of Art. 432 of the Civil Code of the Russian Federation

For loans, for loan agreements, banks, bank agreement

Judicial practice on the application of the norms of Art. 819, 820, 821, 822, 823 of the Civil Code of the Russian Federation

Limitation period, by statute of limitations

Judicial practice on the application of the norms of Art. 200, 202, 204, 205 of the Civil Code of the Russian Federation

1. In 2013, I took a credit card from TRUST Bank for 50 thousand rubles, used it for a while, then paid off the debt in full. After that, the bank increased the limit unilaterally to 100 thousand rubles.
I continued to use the card, but in 2014 I stopped paying the debt due to a difficult financial situation, which I immediately informed the bank about and asked to go to court to recover the debt in the amount of the credit card limit and reasonable interest, fines and penalties. No action was taken from the bank for 4 years. In 2018, the bank sued for a small part of the amount owed in size
15841.44 rubles, about which there is a court decision and enforcement proceedings. In 2019, the bank transferred the debt to a third-party organization SFO Accord Finance in the amount of 352,416.52 rubles (104,800.59 rubles of principal and 247,615.93 rubles of interest). In connection with the above, I ask you to advise me on the possibility of writing off the debt.

Law firm Helios LLC, 12588 responses, 7097 reviews, online since 03/01/2019
1.1. Hello. Any chosen lawyer on the site will be happy to advise you. Contact private messages.

Lawyer Akimova A.G., 14636 responses, 6815 reviews, online since 07/22/2016
1.2. The debt can be written off from you only by a court decision. This is their right to collect for the entire period when you did not extinguish the debt and interest.
At the same time, the law has a preemptive period for collection - 3 years (statute of limitations). You must personally declare the application of the limitation period in court.
But the recoverer can apply to the court not with a statement of claim, but with an application for the issuance of a court order. The justice of the peace will issue an order. You, having received an order (copy), immediately write to the justice of the peace an application for its cancellation due to the fact that the claimant has exceeded the limitation period. And the case will go to the stage of claim proceedings. There and declare the application of the statute of limitations.

2. I would like to ask what to do in the following situation.
In 2012, I took a credit card from Trust Bank. In 2013, after restructuring and loan holidays, she paid faster than expected and closed the loan. In 2015, apparently, there was an unpaid debt in the amount of 10,500 rubles; she paid it through the Spanish. sheet. In 2018, Bank Trust sued me again and demanded a payment in the amount of 286,000 rubles, instead of 158,000 rubles 6 years after everything previously listed. Filing a counter objection to the court, my father, being a trustee, did not appear once in court for the second time. And by filing a complaint with the regional court, I accordingly lose the case. And they appoint me the payment of the entire amount of 286.000 rubles. Bank. The deadline is up and I don't know what to do now.

Lawyer Shemyakin D.V., 5798 responses, 3922 reviews, online since 03/05/2018
2.1. Nothing.
In your objections, it was enough to state the limitation period and ask to consider the case without your participation.
It is useless to file a cassation appeal.

Lawyer Novikova D. D., 301 responses, 231 reviews, online since 08/05/2019
2.2. Have the deadlines for the appeal also expired? If so, then only pay (in order to avoid the application of enforcement measures, you can apply to the court for an installment plan in the manner
203 GPC).

2.3. Now it's nothing, everything that you could have spoiled. You need to come to lawyers before the court, or at least during it, in order to competently protect yourself and do something. You yourself decided to act, received a claim in full, although due to the circumstances of the case, in theory, they could have been refused altogether, only the objections had to be written correctly. You didn’t even have to hire a lawyer for the court, just to write objections to you and give them. 2-3 thousand costs from the strength of this. Saved, now we owe 286,000. Your right. Now it's too late to twitch, when two instances are lost, that's all. Lawyers are not magicians.

3. In 2012, I took a credit card from Trust Bank for 15 thousand, it so happened that it remained open. I used it for about a year. In January 2019, I was presented with the amount to be paid 850,000 rubles. Moreover, the FSSP website lists two amounts of 425,000 rubles each, the same amount was considered in two courts. It turns out two identical amounts with different numbers. I get calls from unknown phone numbers all the time. I don't answer them. Picked up the phone once, the answer was SILENCE. Please tell me who should I contact... and how best to do it? After all, I didn’t take such amounts .. I would be very grateful for the answer.

Lawyer Plyasunov K.A., 145007 responses, 35783 reviews, online since 26.02.2013
3.1. Hello.
You need to get acquainted with the documents and calculations of the debt.

Lawyer Voronchikhin D. A., 7230 responses, 4632 reviews, online since 11/14/2018
3.2. You need to understand on what basis the IP was initiated, what judicial acts were passed there, whether you participated in the courts. Have you received the documents from the court, in what order the cases were considered, then think about what you can do next.

Lawyer Kuramshin R. R., 840 responses, 850 reviews, online since 01/12/2019
3.3. On the FSSP website, you can see: if court orders were the basis for initiating enforcement proceedings, then you can cancel them by filing appropriate objections with the courts that issued them, within 10 days from the date you read them. This is the simplest and most effective way to resolve your issue, given that the same debt may have been collected twice, and even for which the statute of limitations has expired.

4. There was a loan for household appliances, at the same time I was given a credit card, after repaying the loan, I activated it. According to the operator, it is 14% per annum, very profitable. In fact, as it turned out at 51.10%, from the bank's statement of claim. The card had a face value of 40,000, a year later the bank employees called and said that the limit had been increased to 100,000. For 3 years I actively used the card, removed and replenished the card balance. But then the card expired, I called the bank several times, the operator, every time I spoke in a month, then I didn’t remind me of the card, deciding for myself to close this card, a year and a half passed, I began to notice that the main debt was not repaid to my questions bank employees were openly rude, and when I asked to send me a payment schedule, they simply sent me in Russian to .... I told the operator that until I receive a schedule of payments and write-offs, I will not pay the loan because I paid them more than 600,000, after which I met the collectors of Trust Bank, they told me who I am, who my mother is and what will happen to us, I changed number. In 2018, the bank sued me, I don’t know where they got such amounts from, but they filed for 16,000 delays, and now they have resold the loan to collectors. And I think they will hang even more money on me, I gave the accountant from another bank to look at the calculations sent, the accountant said that the bank should return the money to me, so how can I prove that the bank is a fraudster?

Lawyer Soldat S. V., 3997 responses, 2687 reviews, online since 01/22/2018
4.1. Hello Oksana! I recommend reading the following articles:

"How to win a lawsuit against a bank on a loan"

"How to win a lawsuit against a bank on a loan - a case for 5.6 million rubles."

"How to cancel a court decision in a case on debt collection under a loan agreement"

Also, keep in mind that today there are many ways by which you can legally get rid of credit obligations or at least make it impossible to collect debt under a loan agreement. These include termination of the loan agreement, recognition of the transaction as invalid, challenging the terms of the agreement as contrary to the law (Article 168 of the Civil Code of the Russian Federation), recognition of the transaction as bonded (Clause 3 of Article 179 of the Civil Code of the Russian Federation), bankruptcy of individuals and the termination of enforcement proceedings on the grounds Art. 46 LF "On Enforcement Proceedings".

12. Ya igrau v vegas-casino.online, ya zaplatila 99$ za vinos I teper menya prosya t zaplatit nalog po zakonam malti 13%, chto delat or kak proverit lecenziu , vilau takje dogovor
Sites operated by Vegas-Casino and End User License Agreement.
This License Agreement was updated on 3.10.2013.
There are two parties involved in casino games and poker: on the one hand, Vegas-Casino Entertainment Ltd., address: St. Julian "s, STJ 4011, Portomaso Business Tower, Level 12, commercial registration number C65055, which owns two Maltese licenses: number LGA / CF4 / 562/2004 dated 1/19/2006 and number LGA / CF3 / 589/2009 dated 10/21/2011 issued by the Gambling Commission (LGA), on the other hand, the client as a contractual partner.Casino games have software on the NetEntertainment platform.
Vegas-Casino Entertainment Ltd ("Company" or "we") is incorporated under the laws of Malta and is part of the Vegas-Casino Internet Ltd group of companies. The company is licensed and regulated by the Government of Malta under the laws of the Malta Gaming Ordinance, which govern and offer Internet gambling services, including, but not limited to, casino, poker, sports betting and bingo services.
Except for the provisions of the Agreement and the Privacy Policy, which you should be aware of, your use of the Company's gambling services must be in strict accordance with all additional rules that may be applied from time to time for those gambling services that you use, including, among other things, the "Bonus Policy", "Withdrawal Policy", "Responsible Gaming Policy", (together, the "Additional Rules"), which are updated from time to time.
1. Introduction
1.1. By registering with the Company and/or using the Company's gambling services and/or checking the box "I have read and accept the terms of the End User License Agreement" below (or any similar wording) and/or clicking the "Continue Download" button, you express your consent to be bound by the terms of this Agreement, in its entirety and without reservation. In essence, this Agreement is a binding legal document concluded between you and the Company, and together with the Additional Rules, which are an integral part of it, this Agreement governs the use of the gambling services provided in any conditions.
1.2. The Company operates under a remote gambling license issued by the Government of Malta in accordance with the provisions of the Gambling Ordinance. All transactions between you and the Company are carried out in Malta, where the main servers of the Company are located.
1.3. The Company's software, available in download and non-download versions ("Software"), allows you to use our gambling services through the Website ("Services"). The Company reserves the right to temporarily suspend, modify, remove or add the Services at its sole discretion with immediate effect and without prior notice. The Company is not liable for any losses incurred by you as a result of any changes made, and you have no right to claim compensation from the Company.
1.4. With respect to the use of the Services, you may only have one account registered in your real name. You must use only your account to access the Software and Services. Under no circumstances may You use another person's account to access the Software and Services. If you attempt to open more than one account, whether under your own name or another name, or if you attempt to use the Services under another person's account, we have the right to immediately close all of your accounts, withhold all funds in such accounts, and prohibit your use of the Services in the future.
2. Acceptance of terms and conditions
2.1. If you do not agree to any of the terms of this Agreement, you must immediately stop using the Software and delete it from your computer.
2.2. We reserve the right to supplement, amend, update and change any of the terms and conditions of this Agreement (including each of the Additional Rules) from time to time, notifying you of such additions, adjustments or changes by publishing a new version of the Agreement on the appropriate page of the sites of all our own and non-brand brands. Any amended version of this Agreement will become effective 14 days after it is posted on the Website, and your continued use of the Services or Software after the 14-day period mentioned above will be deemed your acceptance of the changes to the Agreement. It is your responsibility to review the terms and conditions of this Agreement for the correct current rules, and we encourage you to check for updates regularly. PLEASE NOTE: We take our responsibility for the privacy of your data very seriously, so changes to the Privacy Policy are subject to strict compliance with the change provisions below.
3. Compliance with laws
3.1. In some jurisdictions, Internet gambling may be illegal. You acknowledge and accept that the Company cannot provide you with legal advice or warranties in relation to your use of the Services, and the Company makes no representations regarding the legality of the Services in your jurisdiction. Before registering with the Company and beginning to use the Services, check the relevant legislation of your administrative-territorial unit.
3.2. The Services are intended only for those users who are not prohibited by the laws of the respective administrative-territorial unit from gambling on the Internet. The Company does not intend to provide you with the opportunity to violate applicable laws. You represent, warrant and agree to ensure that your use of the Software and use of the Services complies with applicable laws, statutes and regulations. The Company shall not be liable for any illegal or unauthorized use of the Software and/or Services by you. If you have any doubts about the legality of your use of the Software or use of the Services in accordance with the laws of an administrative-territorial unit, then consult a legal consultant of such administrative-territorial unit. By accepting these terms and conditions, you agree to assist the Company to the best of your ability in ensuring compliance with applicable laws and regulations.
3.3. Persons located in certain countries, including but not limited to the United States of America, Israel and Turkey, are not eligible to open an account with the Company and deposit funds, nor use the Services. The Company reserves the right to change the list of countries from which users are prohibited from using the Services from time to time and at its sole discretion.
4. Eligible Participation
4.1. No person under the age of 18, or under the laws of any given civil division, under the age of majority to participate in the activities included in the Services, whichever is older ("Maturity"), under no circumstances has the right to download the Software or use the Services, and any person under the age of majority who downloads the Software or uses the Services is in violation of the terms and conditions of this Agreement. The Company reserves the right to require proof of your age, including a sample of your voice, from you at any time to ensure that minors are not using the Services. The Company may terminate the account of any person and prevent such person from using the Software or using the Services if proof of age is not provided, or if the Company suspects that the person using the Software or using the services is under the age of majority.
4.2. We reserve the right to verify the authenticity of your credentials at any time, such as your name, address, age and the payment methods you use, requiring you to provide all necessary documents for this verification. These documents usually include proof of your identity, your address (such as a utility bill), and the payment method you use. You can send these documents to us using the "Upload Documents" option in our secure checkout. If necessary, we may require from you notarized copies of these documents, namely documents with the seal and signature of a public notary. If the player refuses or ignores our request to provide these documents, the Company may, at its sole discretion, close his gaming account and withhold all the money that will be in this account. If the documents you send us do not pass our internal security checks, for example, if we suspect that you sent us false documents, or that your documents contain false information or were provided to us with the intent to mislead, we will not We have an obligation to treat these documents as legitimate and to let you know what we really think about them.
4.3. We reserve the right, in our sole discretion and for any reason, to verify the data of any player, including (but not limited to) conducting any operations to verify the identity of this player and check his creditworthiness, as well as request data from his personal history. On a case-by-case basis, such verification may include, among other things, verifying that player's registration details such as name, address, and age, as well as verifying their financial and gaming activities. The Company is under no obligation to notify players of such checks. We also reserve the right, as needed, to seek assistance from third party companies that will perform these checks. The Company may, at its sole discretion, block a player's account and withhold all funds in his account based on these checks and in the event of a positive result for the Company.
4.4. While employed by the Company and for 24 months after leaving the Company, no officer, director, employee, consultant, or agent of the Company or a group of companies or the Company's suppliers, vendors, or generic partners may use the Services, directly or indirectly. This requirement also applies to suppliers or vendors. This restriction also applies to relatives of such persons. “Relatives” as used herein means, among other things, a spouse, partner, parent, child or sibling. Furthermore, no citizen of Malta and no person residing in Malta may download the Software or use the Services.
5. Information technology and intellectual property
5.1. Company hereby grants a non-exclusive, non-transferable, non-sublicensable right to install and use the Software and all derived content of the Software, including, without limitation, copyright and all other existing intellectual property rights relating to the Services in accordance with this Agreement. You may install the Software on a hard drive or other storage device and create backup copies of the Software, provided that such backup copies are used only by You in connection with the Services and only on the computer of which You are the primary user. The code, structure and organization of the Software are protected by intellectual property rights. You should not:
a. copy, distribute, publish, reverse engineer, decompile, disassemble, modify, translate or attempt to access the source code in order to create a derivative of the source code or otherwise;
b. sell, assign, sublicense, transfer, distribute or lease the Software;
c. provide access to the Software to third parties through a computer network or in any other way;
d. export the Software to any country (physical or electronic means);
e. use the Software in a manner that is prohibited by applicable laws and regulations (collectively, the "Prohibited Activities").
5.2. You shall be solely responsible for any damages, costs or expenses that may arise in connection with the performance of any Illegal Activity. If You become aware that any person is engaged in any Illegal Activity, You must immediately notify the Company and provide reasonable assistance in the investigations that the Company may conduct in view of the information provided by You.
6. Your statements and commitments
6.1. In consideration of the rights given to You to use the Services and use the Software, You represent, warrant, bind and agree that:
6.1.1. You have reached the age of majority as defined in this Agreement, are of sound mind and are capable of taking responsibility for your own actions.
6.1.2. All information provided by You to the Company either at the time of registration or at any time thereafter, including any information that forms part of any payment transaction, is true, current, correct and complete and corresponds to the name(s) on the credit/ debit card(s) or other payment accounts that will be used to deposit funds into or withdraw funds from your account. Without prejudice to the foregoing, in the event that you use a credit/debit card or other payment forms that are not in your personal name, we will assume that you have received full and sufficient consent from their rightful owner and/or person, whose name is used on such payment instruments, for such their use for the purposes specified in the Agreement until the conclusion of the Agreement with us. We are in no way obligated to verify such consent and shall not be liable in any way for statements made by you under this Agreement. You must promptly notify us of any changes in the information you provided to the Company in the past. From time to time, you may be asked to provide us with certain documents in order to verify the details of the credit card you use to deposit funds into your account. Depending on the results of these checks, you may or may not be allowed to make further deposits from the same credit card that you previously used. If any information you provide to us is found to be invalid, inaccurate, knowingly false or otherwise incomplete, you will be in breach of the Agreement and we reserve the right to immediately terminate your account and/or prevent you from using the Software or using the Services. in addition to any other measures we may take.
6.1.3. Your account with the Company is for your sole use. You must not allow any third party (including a relative) to use your account, password or identification information to access or use the Software or Services. You must not disclose your account username or password to any person and must take all steps necessary to ensure that such information is not disclosed to third parties. Notify us immediately if you suspect that any third party is abusing your account and/or that a third party has access to your account username or password so that we can investigate such cases. During the investigation, you must cooperate with us as we may require.
6.1.4. You are solely responsible for the security of your username and password on your personal computer or where you access the Internet. It is your responsibility to ensure that your username and password are not stolen or compromised by viruses or malware introduced into your computer from which you log into your gaming account. You must immediately notify the Company of any attempted hacking or unauthorized access from your computer.
6.1.5. You have verified and determined that Your use of the Services does not violate any laws or regulations of the jurisdiction where You are located.
6.1.6. You fully understand the general methods, rules and procedures for providing the Services and playing on the Internet. Do you understand that you are responsible for ensuring that the data is correct? X bets and games. You must not take any action or conduct that could damage the reputation of the Company.
6.1.7. You are fully aware that there is a risk of losing money when gambling through the Services and that you are solely responsible for such loss. You agree that your use of the Services is at your sole choice, judgment and risk. In connection with Your financial losses, You shall have no right to bring any claims against the Company itself, or against any of the companies belonging to the Vegas-Casino group of companies, or their respective directors, officers or employees.
6.1.8. You acknowledge that when registering and using the Services, you provide us with a number of your personal data (including information regarding payment methods). We undertake to treat all information provided by you in an appropriate manner and not to disclose it to third parties except as specified in the Privacy Policy. We strongly advise you to read the Privacy Policy so that you are familiar with our principles in the field of information processing.
6.1.9. You must use our Websites (hereinafter referred to as "Websites"), Services and Software in full compliance with the terms and conditions of this Agreement and each of the Additional Rules as may be updated from time to time, and adhere to all rules and instructions for games included in the Services.
6.1.10. You are solely responsible for obtaining permissions to access telecommunications networks and Internet services required in connection with the use of the Software and use of the Services.
6.1.11. You acknowledge and agree that the Company may post the amounts you have won next to your username on websites and/or social media
6.1.12. You are solely responsible for obtaining permissions to access telecommunications networks and Internet services required in connection with the use of the Software and use of the Services.
6.1.13. You must use the Services and use the Software only in the best interests of both the Company and other players using the Services. In the event that the Company believes that you have used the Services or the Software in bad faith, the Company has the right to terminate your account for the use of the Services and any other accounts you may have with the Company. The Company also has the right to withhold all funds in such accounts. You hereby expressly waive all future claims against the Company in this respect.
6.1.14. You acknowledge and agree that, by excluding yourself from using our websites, you will not open or use new accounts on other websites operated by the Company during the period of self-exclusion you have chosen, up to and including the cancellation and unblocking of your main account. If you violate this obligation, we will be forced to block all your new accounts that you open on other websites, and forfeit you of all funds that you deposit (or previously deposited) into these accounts, without refunding all your bets and winnings, that you will receive with these accounts.
7. Prohibited Use of Websites and Services
7.1. Illegal Funds and Illegal Activities: You hereby represent that the source of funds used by you to play on the Websites is not illegal and that you are not using the Services as a money transfer system. You will not use the Services for any illegal or fraudulent activities or activities prohibited by the laws of the administrative division where you are located (in particular, the laws of Malta), operations (including money laundering). If the Company suspects that you may be or have been involved in fraudulent, illegal or unlawful activities, including, without limitation, money laundering activities, or have otherwise acted in violation of this Agreement, then your access to the Services may be immediately terminated and/ or your account has been blocked. If your account has been canceled or blocked due to such circumstances, the Company has no obligation to you to reimburse you for any funds that may be in your account. In addition to terminating access to the Services and/or blocking your account, the Company reserves the right to prevent you from accessing any other websites or servers of the Company or any other services offered by the Company. The Company has the right to inform the appropriate authorities, other interactive service providers, credit card companies, electronic payment service companies or other fiscal authorities (collectively, “Interested Third Parties”) of your identification information and of any unlawful, fraudulent or unlawful activity, and you must fully cooperate with the Company in the investigation of any such activity. To ensure fair play, our websites do not allow the use of any betting strategy that reduces the standard house edge, including (but not limited to) any attempt at card counting. If your game history indicates that you are using these strategies, we will be forced to immediately block your account and refuse to withdraw funds from this account.
7.2. Bypass: We have developed and use sophisticated proprietary technology designed to find and identify users who use the Software or use the Services in a fraudulent or illegal manner. You must not hack, attempt to break into or access or otherwise attempt to bypass the Company's security systems. If, in its sole discretion, the Company believes that you are violating the provisions of this article, the Company may immediately terminate your access to the Services and/or block your account; also the Company may notify Interested Third Parties of such violation of this article.
7.3. Artificial Intelligence - Robots: You must not allow the use of any computer program that we believe is equipped with artificial intelligence ("AI Program") in connection with Your use of the Services. We constantly review the use of the Services to detect the use of AI programs, and in the event that we believe that such a program has been used, we reserve the right to take any measures we consider appropriate, including the immediate blocking of access to the Services guilty user, canceling such user's account and withdrawing all funds from such account.
7.4. Intentional disconnection: While playing on the Websites, you may not intentionally disconnect from the game. We have developed and use carefully considered measures that allow us to search for and accurately identify those users who practice deliberate disconnection during the game. If, in its sole discretion, the Company believes that you are violating the provisions of this article, the Company may immediately terminate your access to the Services and/or block your account. If your account has been canceled or blocked due to such circumstances, the Company has no obligation to you to reimburse you for any funds that may be in your account. Other than termination of access to the Services and/or blocking? Account The Company reserves the right to prevent you from accessing any other websites or servers of the Company or any other services offered by the Company.
8. Your account
8.1. Your account is solely for your personal use and may not be used for any professional, business or commercial purpose.
8.2. We are not responsible in any way for access to your account by a third party, and under no circumstances shall the Company be liable for any damage that may be caused to you as a result of the misuse of your password by any person for unauthorized access to your account, and all transactions in which your username and password were entered correctly, will be considered legitimate, whether they were authorized by you or not.
8.3. The funds in your account should not generate any interest.
8.4. If you do not use your account for six months, your account will be treated as an "inactive account". This six-month period starts from the date you last logged into your account. Once your account becomes inactive, the Company will be entitled to charge it a monthly administration fee of 10% of the amount remaining in the account, starting from the day it became inactive. An administration fee will be deducted from an inactive account beginning on the last day of the six-month period during which the account became inactive and on each last day of each subsequent month until the account balance is zero. In the event that you log into your account during the ten-month period during which an administration fee is deducted from your account, the Company will stop charging it, but is not obligated to return to you any funds already deducted from your account during this period.
8.5. At any time, the Company may set off a positive balance in your account as compensation for any amount you owe us. For example, in the event that recalculation is required after a bet in your account has been settled in connection with your use of our sports betting services, the Company may deduct any necessary amount from your account.
9. Payment Transactions and Payout Fraud
9.1. Each user of the Services is solely responsible for the payment of all funds that are indebted to the Company. You agree that you will not refuse or attempt to refuse an earlier transaction and/or deny or reverse any payments made by you and will reimburse the Company for any amounts due to the refusal of an earlier transaction, cancellation or cancellation of payments made by you and indemnify any loss suffered by the Company as a result of such actions of yours. At its sole discretion, the Company may terminate the provision of the Services or refrain from paying certain users using certain credit cards for payments.
9.2. We reserve the right to conduct credit checks on all users through third party credit institutions based on the information provided to us at the time of registration.
9.3. We reserve the right to use third party electronic payment processors and/or financial institutions to process both your payments and payments to you in connection with your use of the Services. Unless the terms and conditions of such third party electronic payment processors and/or financial institutions conflict with the terms and conditions of this Agreement, you agree to be bound by such terms and conditions.
9.4. In the event of a suspicious or fraudulent payment, including the use of stolen credit cards or any other activity of a fraudulent nature (including any abandonment of a previous transaction or other cancellation of a payment), we reserve the right to block the user's account, void any payouts made and recover any winnings . We have the right to report any payment fraud or other illegal activity to any relevant authorities or organizations (including credit reference agencies) and may engage collection agencies to recover payments. However, under no circumstances shall the Company be liable for unauthorized use of credit cards, whether or not credit cards have been reported stolen.
9.5. We expect our players to make deposits in order to actively play with their money. In cases where our expectations are not met, we reserve the right to indicate the need to place bets on a certain amount of the funds deposited by the player, as a prerequisite for obtaining permission to withdraw funds. This amount will be calculated by multiplying the total amount of funds deposited by a coefficient that we will set depending on the situation (for example, 1 x total amount of deposits). We also reserve the right to require the player to wager this amount on the games we have specified in order to exclude bets with minimal risk or bets on certain types of games.
9.6. All payments to your account must come from a single source of payment such as a credit card, debit card or charge card that you own as the account holder.
10. Bonuses
10.1. All promotions, bonuses or special offers are subject to their respective specific terms and conditions, and any free bonuses credited to your account shall be subject to such terms and conditions. We reserve the right to withdraw any promotions, bonuses or special offers at any time.
10.2. In the event that the Company believes that a user of the Services is abusing or attempting to misuse a bonus or other promotion, or may benefit from abuse or bad faith under a gambling policy accepted by the Company, the Company may, in its sole discretion, refuse, withhold or withdraw from any user any bonuses or promotions, or terminate any policy in respect of such user, either temporarily or permanently, or terminate such user's access to the Services and/or block his account.
10.3. All users of the Services are entitled to only one signup bonus. Members who make their first deposit into an account with the Company or any of its non-brand partners and who already have or have previously held an account with one of the sites operated by the Company, including its own and non-brand brands, are not eligible to receive an additional signup bonus. unless the Company decides otherwise in its sole discretion.
10.4. In the event that the Company, in its sole discretion, determines that you have unfairly taken advantage of signup bonuses or have otherwise breached your obligations with respect to bonus promotions offered on any of the Websites owned and/or operated by the Company, the Company may block or cancel your accounts with the Company, and in such cases it shall have no obligation to refund any funds that may be in your accounts, other than those funds that were originally transferred to them.
10.5. If we suspect that any account or group of accounts is systematically engaged in illegal activities, for example, if these accounts are used in various illegal bonus wagering schemes or in a contractual game, then the Company will have the full right to block or close all these accounts. In such cases, the Company will not be liable in any way for refunding you of the funds that will be in your account, except for the funds made by you as a first deposit, if they are found in your account.
11. Obligations of the Company
11.1. The Company has no obligation to verify that users' use of the Services complies with this Agreement or the Additional Rules, which may be updated from time to time.
11.2. Under no circumstances shall the Company be obligated to investigate or fulfill any claims made by one player against another player in relation to the use of the Services, or to take any action in connection with such claims, or to take any action against the player for any reason. reasons, including, but not limited to, violation of the terms and conditions of this Agreement. The Company may, in its sole discretion, decide to take appropriate action against any person whom it suspects of illegal activity or other violation of the terms and conditions of this Agreement, but is in no way obliged to do so.") ))
11.3. The Company is not required to store logins or passwords. If you incorrectly set, forgot or lost your account name and password for any reason other than the error of the Company, then the Company does not bear any responsibility for this.
11.4. The Company undertakes to treat all information provided by you in strict accordance with the Privacy Policy.
12. No Warranties
12.1. Services and software are provided on an "as is" basis. the company makes no warranties or representations, either express or implied (whether by law, regulation or otherwise), including, but not limited to, the implied warranties and conditions of merchantability, good quality, fitness for a particular purpose, completeness or the accuracy of the services or software, the absence of a violation of applicable law or regulation. The entire risk in connection with the use, quality and characteristics of the software rests with you.
12.2. The Company makes no warranties that the software or services will meet your requirements, be uninterrupted, timely, secure or error-free; that defects will be corrected; or that the software, or the server making it available, is free of viruses or bugs; or that the materials are complete, accurate, reliable; or in relation to the results or accuracy of information obtained by you through the use of the services.
12.3. In the event of errors, defects or viruses in the systems or means of communication relating to the settlement of accounts or other elements of the services that result in the loss of data by you or other damage to your computer or software, the company shall not be liable to you and reserves the right to cancel all relevant games and take any other measures to eliminate such errors, except that the company is not obliged to provide any backup networks and / or systems or similar services.
12.4. The Company is not responsible for any acts or omissions of your internet service provider or other third party with which you have entered into an agreement to gain access to the server on which the website is located.
13. Contractual limitation of liability
13.1. You agree that the choice to use the Services or not lies entirely with you, and you do so solely at your own choice, discretion and at your own risk.
13.2. The Company shall not be liable to you or any third party in contract, in tort, negligence or otherwise for any damages or losses incurred in any way by you or any third party in connection with your use of the Software or your use of the Services, whether directly or indirectly, including, without limitation, loss of business, loss of profits (including the loss or inability to receive expected winnings), business interruption, loss of commercial information, or any other direct or indirect damage (even if you have advised us of the possibility such damage or loss).
13.3. The Company shall not be liable in contract, tort, negligence or otherwise for any damage or loss arising in any way from your use of any of the links provided on the Website. The Company is not responsible for the content of any of the Internet sites that may be accessed through the Sites or Services.
13.4. You acknowledge that the Company shall not be liable to you or any third party in connection with any modification, suspension or complete discontinuance of the Software or Services.
13.5. Nothing in this Agreement shall be used to exclude the liability of the Company in connection with fraud, death or personal injury arising from the negligence of the Company.
13.6. You agree that in the event of a failure of the Software or Services due to, but not limited to, any delay or interruption in operation or transmission of data, loss or corruption of data, failure of means or lines of communication, misuse by any person of the Web -sites or their content, any errors or omissions in the content, as well as any other factors that are beyond our control:
13.7. but. The Company will not be liable for any kind of damage, including the loss of possible winnings; as well as
13.8. b. if such errors result in an increase in winnings due to you, you are not entitled to the amounts resulting from such increase in winnings. You must immediately inform the Company of the error and return any winnings erroneously credited to your account to the Company (as instructed by the Company) or the Company may, in its sole discretion, deduct any amount equal to such winnings from your account or set off such amount as compensation for any amount you owe the Company.
14. Violation of these terms and conditions
14.1. You agree to indemnify and defend the Company, its non-brand partners and their respective companies, and their respective officers, directors, and employees, immediately upon request, from any and all claims, demands, liability, damages, losses, costs and expenses, including legal fees and any other expenses incurred for any reason as a result of the following: a. any breach by you of this Agreement; b. your violation of any law or the rights of a third party; in. Your use of the Services or Software, or use by another person accessing the Services or Software using Your identification, whether with Your permission or not; d. accepting any winnings.
14.2. In addition to any other remedies available to the Company, if you violate the terms and conditions of this Agreement, or if the Company has reasonable grounds to suspect that you have violated the terms and conditions of this Agreement, your winnings may be confiscated at the discretion of the Company and the Company may withhold the entire positive balance then existing in your account against any losses or other amounts owed by you to the Company, pending an investigation and / or a decision on any legal proceedings. Failure to comply with the provisions of this Agreement may also result in disqualification, account termination and/or legal action against you.
15. Disagreements
15.1. You acknowledge and agree that the random number generator randomly generates events necessary in connection with the Services, and in the event that the result displayed in the Software (installed and running on Your equipment) contradicts the result displayed on our server , the result displayed on our server takes precedence in all cases. You understand and agree that (without prejudice to your other rights and remedies) the records of the Company shall be the final authority in determining the terms of your use of the Services, and you shall have no right to challenge the Company's decisions in such matters.
15.2. No claim or dispute will be resolved more than seven days from the date of the original transaction and all claims or disputes will be referred to the Customer Service Department.
16. Duration and Termination
16.1. This Agreement shall become effective immediately upon Your completion of the registration process with the Company and shall remain in effect until terminated in accordance with its terms.
16.2. We may terminate this Agreement immediately and terminate your account (including your username and password) without notice to: a. if for any reason we decide to stop providing the Services in general or only for you; b. if we believe that you have violated any of the terms of this Agreement; in. if you use the Services inappropriately or in violation of this Agreement; d. if your account is linked to any existing account that has been terminated. If your account is associated with existing blocked accounts, we may close it, regardless of how it was associated with them, and block the credentials on these accounts; for any other reason we deem appropriate. Unless otherwise stated in the Agreement, upon termination of this Agreement, any balance in your account will be returned to you within a reasonable period of time at your request, and we always have the right to deduct any amounts that you owe us.
16.3. You may terminate this Agreement and cancel your account (including your username and password) at any time by emailing us or at the relevant non-brand brand email address. Such termination will be effective upon the termination by the Company of your account (including your username and password), which occurs within seven calendar days of the Company's receipt of your e-mail message by our servers in Malta, provided that you continue to act responsibly in any action. on your account during the period between the sending of the email message and the termination of your account by the Company.
16.4. Upon termination of this Agreement, you must: a. stop using the Software and Services; b. pay all amounts due and any amounts owed by you to the Company; in. completely remove the Software from your computer and destroy all related documentation that may be in your possession, possession, power or control.
17. General provisions
17.1. If any part of this Agreement is held to be illegal or unenforceable due to any unforeseen circumstances, then such provision shall be deemed separate from the rest of the Agreement and shall not affect the validity and enforceability of any other provisions of this Agreement. Agreements. In such cases, the portion deemed invalid or unenforceable shall be interpreted in a manner consistent with applicable law and most closely reflecting the original intentions of the parties.
17.2. No waiver of any of the terms and conditions of this Agreement by us shall be construed as a waiver of prior or subsequent breaches of any of the terms and conditions of this Agreement.
17.3. Unless otherwise expressly stated, nothing in this Agreement creates or violates any rights or other benefits of third parties.
17.4. Nothing in this Agreement shall be construed to create an agency, partnership, trust, fiduciary relationship or any other form of joint venture between you and us.
17.5. This Agreement is the entire agreement between the Company and You regarding the use of the Software and the use of the Services and supersedes any and all prior agreements between the Company and You with respect to this subject matter. You acknowledge that by agreeing to accept this Agreement, you have not relied on any statements other than those expressly made by the Company in this Agreement.
17.6. The Company reserves the right to transfer, assign, sublicense or pledge this Agreement, in whole or in part, in the event of a reorganization of the group of companies to which the Company is a member, or in the event of a merger, sale of assets or other similar corporate transactions in which the Company may be involved.
17.7. You may not transfer, assign, sublicense or pledge in any way any of your rights or obligations under this Agreement.
17.8. In this Agreement, the words "you", "your" or "user" means any person using the Services or using the Software under this Agreement. Unless otherwise indicated, the words "we", "us" or "our" collectively refer to the Company and its subsidiaries, partners, directors, officers, employees, agents and contractors.
17.9. Nothing in this Agreement shall be construed as granting you any security interest in respect of the assets of the Company, including, for the avoidance of any doubt, any amounts available to be credited to your account.
18. Gambling Provisions in Malta
18.1. The activity of the company is regulated by the legislation and other normative documents in relation to interactive gambling in Malta. You acknowledge that, under such laws and regulations, the Company may be required to provide certain information about you and your account to the Maltese authorities.
19. Dialogue interaction function (chat)
19.1. As part of your use of the Services, the Company may provide you with a conversational interaction feature that allows you to communicate with other users of the Services. The Company reserves the right to review the conversational interaction and keep a record of all messages made using this feature. Your use of the conversational interaction feature must comply with the following rules:
19.1.1. You must not make any statements of a sexual or offensive nature, including expressions of intolerance, racist content, hatred and blasphemy.
19.1.2. You must not make statements that are offensive, defamatory, harassing or offensive to other users of the Services.
19.1.2. You must not make statements that advertise, promote or otherwise refer to other interactive entities.
19.1.2. You must not make statements about the Company or the Websites or other websites on the Internet connected to the Company's site that are false and/or malicious and/or harmful to the Company.
19.1.2. We are well aware that English is not native to many players in the world. However, our current policy is that this is the only language allowed in a conversational app.
19.1.2. If you violate any of the above provisions relating to the chat function, the Company has the right to terminate your ability to use the chat and may even temporarily or permanently close your account. Upon such termination, the Company will refund you any funds that may be in your account in excess of any debt you owe the Company (if any) then existing.
19.2. PLEASE NOTE: When using the chat feature, any information you provide that can identify you may be read, collected or used by other users using the feature and used by third parties to send you messages on their own initiative. The Company does not and will not be responsible for the information that can identify you personally, provided by you through the online interaction function.
20. Customer Service and Special Promotions
20.1. To ensure quality of service, your calls to the customer service department may be recorded.
20.2. You hereby expressly express your unconditional consent to the use by the Company of your contact information provided by you during registration, so that the Company may contact you directly at any time in connection with your use of the Services or any other products or services offered by the Company, its partners or affiliates.
20.3. The Company will not tolerate any insults from the users of the Services in relation to the employees of the Company. In the event that the Company, in its sole discretion, determines that your behavior in a conversation on the phone, in interactive communication, in electronic correspondence or in other circumstances was offensive or disparaging towards employees of the Company, then the Company has the right to block or cancel your account with the Company and in such circumstances is not under any obligation to refund any funds that may be in your account.
20.4. From time to time, the Company may make special offers to you. Such offers may be communicated to you by various means, including but not limited to (i) email, (ii) telephone, (iii) SMS, and (iv) opening additional windows in the Software. Promotions start at 00:00 and end at 23:59 GMT on the dates shown, unless otherwise stated in the promotion's terms and conditions.
20.5. We will provide you with the opportunity to opt-out of various means of communication with the Company, and if you do so, the Company will respect your decision.
21. Uninstall and add shortcuts
21.1. If you are using the downloaded Software and wish to uninstall it, you may do so from the Add/Remove Programs menu on your computer.
21.2. Please note that after installing the Software, the following shortcuts will be added to the computer desktop: a shortcut to the quick launch panel; desktop icon; link to the client in the Start menu;

"branded" folder with a link to the client and uninstallation in the "All Programs" item of the "Start" menu;
21.3. When this software is uninstalled, registration keys will remain on your computer to detect any fraudulent activity and ensure compliance with the rules of responsible gaming and the provisions of the Malta Regulatory Authority (MRA), the regulatory body of the State of Malta.
22. Minimum system configuration requirements
22.1. To be able to use our Services, end users must install a C++ application (downloadable version) on their computers or use the online version of our Services (no software download).
22.2. Minimum recommended system requirements for the download version:
Windows OS version XP or higher;
At least 64 MB of RAM (recommended) and all end users must have Adobe Flash Player (version 10.3 or higher) installed.
22.3. If the installed version of Adobe Flash Player does not meet the above requirement, end users will be prompted to download and install the required version.
22.4. Minimum system requirements of the game client for the Mac platform:
OS version: Mac OS X 10.6.8;
Processor: 2.4 GHz Intel Core 2 Duo;
RAM: 4 GB DDR2 667 MHz.
22.5. The non-download client version is supported by the following browsers:
Internet Explorer version 6 and above, Firefox version 3 and above, Safari version 4 and above, Chrome version 4 and above;
All users must have the Adobe Flash browser plugin installed (version 10 and above).
23. Governing Law
23.1. This Agreement and the relationship between the parties shall be governed by and construed in accordance with the laws of Malta, and you irrevocably submit, in favor of the Company, to the exclusive jurisdiction of the courts of Malta, the right to settle any disputes (including claims for set-offs and counterclaims) that may arise in connection with with the establishment, validity, operation, interpretation or exercise of the established legal relationship under this Agreement or otherwise in connection with this Agreement.
24. Differences in languages
24.1. This Agreement was originally drafted in English. In the event of possible discrepancies between the original English text of the Agreement and its translations into other languages, the English text shall prevail.
23. Provisions relating to individual games
23.1. Jackpot Wins
23.1.1. You hereby agree that if you win a jackpot of $20,000 or more (or the equivalent amount in any other currency) in casino slots, video slots, video poker or any other jackpot games or jackpot machines , You will grant the Company the unconditional, exclusive and perpetual right and permission to use worldwide Your name, photograph and the like in any media for marketing and promotional activities of the Company and the Website and will fully cooperate with the representatives of the Company in this regard.
23.1.2. Jackpot winnings may be paid out to winners in 24 monthly installments if so decided in the sole discretion of the Company.
23.2. If we suspect that any account or group of accounts is systematically engaged in illegal activities, for example, if these accounts are used in various illegal bonus wagering schemes or in a contractual game, then the Company will have the full right to block or close all these accounts. In such cases, the Company will not be liable in any way for refunding you of the funds that will be in your account, except for the funds made by you as a first deposit, if any.
23.3. Artificial Intelligence Programs (Robots): When using our Services, you must not use computer programs that we believe have artificial intelligence ("AI Programs"). We constantly analyze the use of the Services in order to identify the use of AI programs, and in the event that we believe that such a program has been used, we reserve the full right to take any necessary measures against the guilty players, including the immediate blocking of access to the Services, closing the accounts of these players and withdrawing all funds from these accounts. If the Company receives information about the possible use of robots, then it will have full discretion to prohibit suspected players from using its Services and / or block their accounts and all funds on these accounts.
23.4. Payment Disputes: Each user of the Services is solely responsible for the payment of any and all monies owed to users of the Services and/or the Company. Any claims that a user of the Services may have regarding the payment of winnings to him, formed by losing bets placed by another user of the Services, must be made against the other user, and not against the Company. The Company is in no way obligated to make payments to you if any user of the Services for any reason fails to pay his debt or to take any action against such user. All disputes arising between users of the Services, including those related to payment fraud, are not the responsibility of the Company.
23.5. If we discover that your account is involved in any way with fraudulent activity, such as transferring money during a game, colluding players, or receiving unauthorized money transfers, we will have the right to permanently close your account and withhold any money that is in it is located even if we cannot prove that you intentionally received money from intruders.
23.6. When investigating fraudulent activity, we are not required to accept any explanation for the receipt of fraudulent funds. If, as a result of this investigation, your account is unblocked, we may decide to remove the fraudulently transferred amount from your bankroll.
23.7. Money transfers - If you want to send a money transfer to another player's account, you should be aware that we do not refund money transfers. Once you confirm the amount of your transfer and the username of the recipient, the money that will be withdrawn from your account at that moment will not be returned to you in any case, and we will not accept any responsibility for the loss of this money if your transfer is sent by mistake to another or non-existent account.
23.8. If your account receives money transfers from accounts with security issues, we will have every right to block your account and all withdrawals from your account until all security issues of these accounts (including those from which you received these money transfers) will not be resolved.
23.9. No player has the right to require the Company to take any action against players who are suspected of collusion, cheating or any other cheating. The Company does not provide information on the progress of the investigation of such cases and the results of these investigations. You must be fully aware of the risk of loss of funds during the game associated with the use of the Services, and take full responsibility for such losses. You agree that you use the Services at your own risk and solely at your own will and choice. In connection with your possible financial losses, you have no right to bring any claims against the Company itself, or against its affiliated companies and non-brand partners, as well as against the directors, officers and employees of these companies.
PLEASE PRINT AND KEEP A HARD COPY OF THIS AGREEMENT FOR YOUR OWN ARCHIVE.

Lawyer Frolov I. N., 648 responses, 389 reviews, online since 02/19/2018
12.1. Write a good question. What takeaway did you pay for? There is no 13% tax rate in Malta - for information.

24. In 2012, a loan was taken from a trust bank for 3 months, a credit card was issued along with the loan, the limit was 50,000 rubles. The loan was closed in 2 months, the credit card was used until February 2013. Before moving to another city, they completely closed all the debt through the Savings Bank, because. there was no cash register in our city.
Now I found out about the presence of a debt on the website of the bailiffs, in front of this bank 20,000 rubles. The judgment was issued in November 2018. I found out about the trial and the decision by accident, no one notified me.
It is not known where such an amount came from, what should I do, now I will send an application by mail to cancel the court order. How to claim a statute of limitations, because there are no receipts for payment?

24.1. Hello, if you have a problem with a credit institution (there is no way to pay the debt, you want to return the insurance, the bank illegally deducted funds, a court order has been issued, collectors are harassing and much more), then you will find answers to your questions in my topics on this forum :

Useful information can be found in my topics on the forum:

Also, keep in mind that today there are many ways by which you can legally get rid of credit obligations or at least make it impossible to collect debt under a loan agreement. These include termination of the loan agreement, recognition of the transaction as invalid, challenging the terms of the agreement as contrary to the law (Article 168 of the Civil Code of the Russian Federation), recognition of the transaction as bonded (Clause 3 of Article 179 of the Civil Code of the Russian Federation), bankruptcy of individuals and the termination of enforcement proceedings on the grounds Art. 46 LF "On Enforcement Proceedings". To understand directly your situation, you need to see the documents.

Sincerely, Financial Attorney - Stepanov Vadim Igorevich.

25. I have two trust bank credit cards that have been blocked for 4 years, I paid everything regularly, then they blocked me and I will
I asked them for an extract on the basis of which I should pay.

Lawyer Stepanov V.I., 36189 responses, 15922 reviews, online since 10/15/2011
25.1. You need to collect certificates of the amount of debt and compare them with the amounts that you have already paid. This bank often has too much.

Yours faithfully, the lawyer - Stepanov Vadim Igorevich.

26. Trust Bank requires payment of the full amount of credit card debt, referring to clause 8.9 of the agreement. The Lender has the right to demand from the Client early performance of obligations under the Agreement, including by issuing a Claim, in cases established by applicable law

RF. And cases of reorganization of a legal entity (clause 2, article 60 of the Civil Code of the Russian Federation). The issues of reorganization of legal entities are discussed in more detail in other materials on our website, for example: Reorganization of a legal entity in the form of separation, Transformation (reorganization) of a JSC into an LLC (nuances), etc.

Lawyer Ishbulatova G. R., 772 responses, 528 reviews, online since 04.10.2017
26.1. Hello! Have you violated the terms of the contract?

27. Instead of a minimum payment of 2000 rubles on a credit card, Trust Bank requires you to pay the remaining amount in full.

Lawyer Stepanov V.I., 36189 responses, 15922 reviews, online since 10/15/2011
27.1. There must be a reason for such a requirement (a material breach of the terms of the contract). If there were no delays, then the claim is unreasonable.

Yours faithfully, the lawyer - Stepanov Vadim Igorevich.

28. Bank Trust increased the minimum payment on a credit card unilaterally without notifying me and transferring all the data to the opening FC.

Lawyer Sokolov D.G., 142229 responses, 33011 reviews, online since 11/23/2008
28.1. Yuri, you need to look at the loan agreement or the terms of the loan in order to understand how this is provided for by these documents.

29. In 2011, I took a credit card from a trust bank for 80,000 rubles. I could not pay, as a result, through the court I paid about 150,000 rubles in 2016-17. Now, a year later, I decided, just in case, to once again clarify whether the debt in the bank was closed. As a result, they give me another amount of 66,000 rubles, and only now they say that it turns out that they have an indefinite debt and penalties are accrued every day. When I asked why I only found out about this now, they did not answer me. How to be now? Does it make sense to apply to the bank with applications?

Lawyer Nikolaeva A.P., 3565 responses, 2249 reviews, online since 10/04/2018
29.1. This happened because the debt was collected, but the loan agreement was not terminated. Accordingly, interest could be accrued from the moment the decision was made to its execution. Anything later is illegal.

30. I received an SMS notification that my credit card debt was transferred from the Trust to Otkritie Bank. I live in a village where there is no fclial from this bank, Sberbank does not accept the details that were sent to me by SMS. The phone number of the Trust’s hotline is not available to the mail, at the indicated phone number in the SMS, the opening allegedly belongs to the bank, they answer that you need to send money through the Beeline or MTS offices, but there the specialists answer that they do not provide these services. Feeling that they want to deceive me. Tell me how to get to the truth?

Lawyer Matveev I.V., 1819 responses, 1008 reviews, online since 05/10/2010
30.1. Hello Margarita! Bank Trust is being liquidated and in any case now they will not be able to accept credit funds. There is an Otkritie bank. You can call there and find out, don’t call anyone else and don’t call anywhere. There are telephones of the Central Bank (territorial) in your city, you can consult them.

Lawyer Yu. N. Kuznetsov, 79 responses, 53 reviews, online since 05/29/2018
30.2. Margarita, in order to avoid sending funds to scammers, you can use the services of a notary. Put the funds for the repayment of the loan in the notary's deposit. In this case, you will avoid penalties. At the same time, send an official letter to the Trust Bank with a request to comment on SMS messages. And better in two banks at the same time. If the concession is confirmed there in the response letter, then feel free to pay according to the new details.