Termination of the loan agreement unilaterally at the initiative of the bank. How to terminate a loan agreement with a bank, legal issues

In case of delay in payments, the bank has the right to issue a request for early repayment of the loan. But this does not mean that you are obliged to fulfill it unconditionally. Almost always, the amount of debt, in reality, is much lower.

The amount of debt indicated in the claim with the actual amount of debt can only coincide in two cases: you pay without delay, in accordance with the payment schedule, and then I see no reason for early reclaiming the loan and, the second option, which has become increasingly common, the order of payment complies with the law and the penalty, fines and commissions are paid after the payment of interest and principal.

But, given that you had delays in payments, payments in a smaller amount (otherwise, what are the grounds for an early claim?) And the fact that, most likely, the contract provides for the order in which the penalty is paid before interest and principal debt, the amount of debt , which exposes the bank may differ significantly from the real debt. So the question of the size of the debt is moot, and if there is a dispute, then it is resolved either by the parties on a voluntary basis or by the court. The bank will never refuse this amount (although you must try to do this, otherwise you will not be able to file a claim), which means that in order to return the money, it must go to court. The bank also guesses (although this word is of little use in this situation) that it has a chance to lose illegally accrued penalties and interest and will put pressure on you to voluntarily pay the entire amount indicated in the demand, which I do not advise you to do.

You also need to take into account the fact that the direction of such a requirement does not always mean that the bank will actually go to court. Very often, to resolve this issue, it is enough to pay off the current debt. All debt in the bank is tracked by programs in which there are certain deadlines. If your debt is more than 90 days, you fall into the category of debtors for which active actions begin. But, if you extinguish the overdue debt, then you disappear from this category. And if the main thing for the bank is to claim the amount of overdue debt from you, then it will lag behind you until new serious delays. Well, if his original goal was precisely the early repayment of the loan, then we can expect a lawsuit. But even in this situation there is a way out. As stated in paragraph 1 of Article 3 of the Code of Civil Procedure of the Russian Federation “The person concerned has the right, in the manner prescribed by the legislation on civil proceedings, to apply to the court for the protection of violated or disputed rights, freedoms or legitimate interests ...” And paragraph 4 of Article 134 of the Code of Civil Procedure states that that the statement of claim should indicate: "what is the violation or threat of violation of the rights, freedoms or legitimate interests of the plaintiff and his requirements"

That is, in fact, the bank will file a claim when you have repaid the overdue debt, that is, in conditions under which the dispute and violation of rights in this moment missing. So what could be the claim? But this must be stated in your objection in court and indicate that there is no reason to satisfy the claim, because, despite the fact that you had delays, you are currently fulfilling all the terms of the contract and there are no violations. In such situations, very often banks are denied a claim, and you continue to simply pay according to the schedule. But for this it is necessary to be present in court, and not just try to sit on the sidelines. No one will solve your problems for you and, taking into account the fact that our court is based on the principles of competitiveness of the parties (Article 12 of the Code of Civil Procedure), the court, in case of your absence, will simply decide the claim in favor of the bank.

The bank does not have the right to terminate the contract with the consumer unilaterally, and it is not beneficial for it, since it will lose the right to charge a penalty and interest based on the terms of the contract. Therefore, this is just a horror story to further put pressure on the debtor. Only a court can terminate the contract and only when the bank makes such a claim, and banks do this extremely rarely.

Even taking into account the fact that in the terms of the contract there is almost always a clause that states that the bank has the right to terminate the contract if the borrower makes a delay or other violations.

Termination of the contract with the consumer unilaterally is prohibited by law.

In accordance with the requirements of paragraph 1 of Article 310 of the Civil Code of the Russian Federation, a unilateral refusal to fulfill an obligation and a unilateral change in its terms are not allowed, except as otherwise provided by law.

By virtue of the requirements established by paragraph 1 of Article 450 of the Code, amendment and termination of the contract are possible by agreement of the parties, unless otherwise provided by this Code, other laws or the contract.

The inclusion in the loan agreement of conditions that allow the bank to unilaterally terminate the agreement does not meet the requirements provided for in paragraph 1 of Article 310 of the Civil Code Russian Federation, since in relations with citizens, a unilateral change in obligations is not allowed, unless otherwise provided by law, therefore, such conditions infringe on the rights of the consumer compared to statutory, which leads to the nullity of the clause of the contract (clause 1, article 16 of the law “On Protection of Consumer Rights”).

Thus, the bank can terminate the contract with the consumer only in court.

The demand for early repayment of the loan sent to the debtor does not indicate a unilateral termination of the agreement by the bank within the meaning of paragraph 3 of Article 450 Civil Code Russian Federation, according to which in the event of a unilateral refusal to perform the contract in whole or in part, when such refusal is allowed by law or by agreement of the parties, the contract shall be considered terminated or amended accordingly.

In itself, the requirement for early repayment of the loan in this case cannot be qualified either as a requirement to terminate the contract (of the Code), or as a unilateral refusal to fulfill obligations ().
In accordance with paragraph 1 of Article 450 of the Civil Code of the Russian Federation, a contract may be amended by agreement of the parties, unless otherwise provided by this Code, other laws or the contract.

From the meaning of paragraph 1 of Article 452, Article 820 of the Civil Code of the Russian Federation, it follows that an agreement on changing the conditions loan agreement must be concluded in the same form as the loan agreement, that is, in writing.

A transaction in writing is made by drawing up a document expressing its content, signed by the person or persons making the transaction or persons duly authorized by them (paragraph 1 of Article 160 of the Civil Code of the Russian Federation).

Thus, the notice of early repayment of the loan sent to the debtor is not a document made in writing and a basis for unilateral termination of the Loan Agreement.

The bank's lawyers are well aware of this and very rarely declare the termination of the contract in claims. The borrower, on the contrary, very often does not even know about it and assumes that since the amount of the debt has been determined by the court, and the bank has convinced him that the contract has been terminated, this amount has a final form and, after paying the entire debt, receives an unpleasant surprise from the bank about that he still owes him a considerable amount. How it was formed and what to do in this case, I will tell in the answer to the question “The bank, after payment by a court decision, requires payment of interest and a penalty»

Heaven will wait again

When we are talking about banks, the borrower should carefully read the documents that he signs. Often debtors want to get rid of the accrual of all kinds of interest and penalties on the loan and terminate the contract. But is it so easy to do in practice?

How to terminate a loan agreement with a bank

Termination of the agreement with the bank may occur:

• by agreement of the parties;
• according to the verdict of the court.

There is also the possibility to make payment on all debts, then the agreement will be considered fulfilled.

It is important to know: after issuing a loan, the consumer has the right to return it back within 14 days, while paying a small percentage.

On the initial stage the borrower sends a request to the creditors to terminate the contract. In it, you should notify the credit institution of your desire and indicate in detail the reasons (dismissal, illness). Practice shows that usually the bank very rarely makes concessions. He may not give an official answer at all, refuse to cancel or offer impossible conditions.

In any case, it is better to make a decision not on your own, but with the support of an experienced lawyer.

Important to know: The application can run over a new loan statute of limitations, especially if a lot of time has passed.

Can the bank unilaterally terminate the loan agreement

If the borrower does not pay regularly on the loan, the bank may prematurely terminate the agreement unilaterally.

He is able to demand the return of the debt and, as a result, the termination of the contract. The complexity of the situation lies in the fact that after the bank sends a written request to return the entire debt, the borrower is given only 15 days to implement. Debt repayment implies the availability of finance, and if the borrower paid the loan in good faith, the bank would not seek to terminate the agreement ahead of schedule.

That's why further communication the creditor with the debtor occurs through higher authorities.

To apply to higher authorities, the institution may take 2 months or more. All this time, the debt will grow, consisting of penalties and interest, and by the time the long-awaited appeal to the court, the bank will present a huge amount of debt.

Often they deliberately delay going to court so that the debt of the borrower grows even more. The solution is for the borrower to file a claim with the credit institution, thus speeding up the involvement of the court in the proceedings.

Termination of a loan agreement with a bank at the initiative of the borrower

In the history of judicial practice, termination can also occur at the initiative of the debtor. However, termination cannot release the borrower from liability and debt repayment, but can reduce its size, and in a good scenario, completely cancel it.

The contract can be recognized as not relevant only after the recognition of the borrower as incapacitated.

In other cases, such as: job loss or illness, the court, unfortunately, does not remove debt obligations from the debtor. The court in this case takes the side of the bank.

How to terminate a loan agreement with a bank

Article 450 of the Civil Code of the Russian Federation states that an agreement can be canceled both with the consent of only one party, and by mutual agreement. But this is not always possible and easy to do. If the debtor cannot pay the debt due to lack of finances, the bank begins to intimidate bailiffs, collectors.

It is possible to refuse to communicate with collectors, but only if the amount of debt is more than 50,000 rubles and the delay period is more than 4 months. If this does not stop, the borrower can apply to the FSSP with a request for administrative punishment. The amount of the fine will be from 20,000 to 200,000 rubles.

Statement of claim for termination of a loan agreement with a bank - sample

Often the lender and the borrower go to court, since it is not possible to solve the problem on their own. The statement of claim is mandatory when applying to the court.

Termination of a loan agreement with a bank - judicial practice

The court is the last resort where you can turn to try to solve your problems. The submission of a statement of claim is necessary to convince the courts to terminate the agreement by mutual agreement.

The court should be convinced that the payment of the debt is not possible for very good reasons, and therefore apply for a review of the contract. As good reasons, the debtor attaches to the application documents confirming the fact of dismissal, serious illness, addition to the family, and others. But according to the court, all these nuances, the borrower should have foreseen at the very beginning, when he made a deal with the lender.

The chances of the court considering the situation in favor of the debtor may increase if natural disasters, military operations, fire are involved here.

But usually the court remains to protect the interests of the creditor, although there are exceptions.

A loan agreement is a transaction under which a bank or other lender is obliged to provide financial resources borrower for a specified period. It spells out the obligations of both parties, data on the amount of the loan, the term and conditions for its provision.

But most borrowers are unaware that the bank can change the terms of the contract or terminate it altogether. The recipient of the loan has the same right. In our article, we will talk about whether it is possible to terminate a loan agreement with a bank.

Why can a bank terminate a loan agreement?

The best option for terminating the transaction is by mutual agreement of the parties. It can be unilaterally terminated by a court decision.

Often the bank is the initiator. Grounds for early termination of the contract may be:

• The lender urgently needed funds;
• The borrower systematically violates the terms of the contract.

For example, if a bank is nearing bankruptcy, it may require cash from the borrower, notifying him of this 90 days in advance. The contract can also be terminated if the borrower misses loan payments and has a large debt.

Grounds for termination of the contract by the borrower

You can terminate the loan agreement either unilaterally or with the consent of both parties. The borrower also has the right to do this through the courts. He has the right to challenge the contract if:

• The bank violated his rights. The lender is obliged to provide all necessary information about the loan. Sometimes the contract contains conditions that violate the rights of the borrower. In the event that he hid the terms of the loan from the client, the borrower has the right to terminate the agreement. The court has every reason to recognize such a transaction as illegal;
• The bank changed the terms of the agreement. He cannot raise the interest rate at his own discretion without notifying the client about it. Unilateral unreasonable amendments to the loan agreement are not allowed by law;
• The bank did not have or was deprived of a license. In such a case, the borrower has to sue;
• Changing it financial situation. If the borrower is unable to pay, the court may invalidate the contract. If the borrower was recognized as having limited capacity or incapacity, the contract may also be declared invalid;
• The treaty was signed under the influence of fraud or delusion. That is, the loan could be imposed on the client. In addition, he could have made a rash decision by agreeing to this deal.

How to terminate a loan agreement?

In order to terminate a loan agreement, you may need to go through several stages:

• Apply to the bank on termination of the contract. Its sample is usually on the information stand, you can download the application form from our website and fill it out at home;
• Apply to the Central Bank of the Russian Federation with a complaint to the bank, if the termination is denied;
• If that doesn't work, then - submit statement of claim to court. This action will take a lot of time, because you will have to defend your position in court.

How to apply for termination to the bank?

We list the main requirements for drawing up an application to the bank:

• Full name of the organization and surname, name, patronymic of the head;
• Information about the borrower (last name, first name, patronymic and residential address, telephone number);
• number, date, other details of the loan agreement;
• Description of the situation and reasons for termination;
• Requirements for the manager to terminate the loan agreement;
• List of attached materials serving as grounds for termination.

The term for consideration of such an appeal should not exceed 7 days. Often, bank employees deliberately delay the procedure for considering an application.

The application is submitted in two copies to the secretary, it must contain the reasons for termination. The document must be sent to the bank by registered mail. You can take it in person, but in this case it is worth taking a copy with you.

Important: Termination of the contract with the agreement of the parties (general agreement between the lender and the borrower) can only be carried out if the interests of both parties are not infringed. The funds received on credit must be returned in full.

If you were denied termination of the contract, then, as indicated above, you can file a claim. But practice shows that such claims are satisfied extremely rarely. Therefore, before contacting higher authorities, it is worth consulting with a lending lawyer.

Termination by court

The requirements for the content of a statement of claim to the court are established in the Civil Procedure Code of the Russian Federation.

Sample statement of claim to the court can be downloaded below.

On the court session both sides must be present, each of which will prove its case. In order to challenge the contract, it is necessary to correctly substantiate your legal position. The main thing is to be prepared for a long and difficult legal process.

The borrower can also file a claim with the court by paying a state duty of 200 rubles.

Usually the court takes the side of the bank. But there are exceptions, and the court accepts the position of the borrower, noting the arguments presented by him. But it is almost impossible to calculate the exact probability of what decision the court will make. Therefore, before applying, it is better to consult with professional lawyers.

Documents to court

You will need to add to your application:

• Copies of the statement of claim according to the number of defendants;
• loan agreement;
• Receipt of payment of state duty;
• Bank refusal in writing.

All these documents will need to be submitted to the court office, along with a lawsuit against the bank. In addition, you will need to provide the bank with evidence that the bank violated the terms of the agreement, the agreement was signed by force, or you were misled and there is evidence of this, or documents confirming that you became bankrupt.

idea of termination of the loan agreement with the bank, as a rule, comes to the borrower against the background of the discovery of his inability to repay the loan, even partially, and the accumulation of debt, to which a penalty is added. Termination of the contract terminates the obligations of the parties, and it is on this result that the calculation is made.

Really, general provisions contractual obligations allow you to terminate any contract. This can be done by agreement of the parties (in credit legal relations - the bank and the borrower), or by a court decision if an agreement has not been reached. In addition, it is allowed for one of the parties to refuse to execute the contract without the consent of the other party, which also entails the termination of the contract.

With regard to the loan agreement and the obligation of the borrower, there is only one problem- extremely difficult to find legal basis for termination, and even more difficult to prove its existence. Therefore, if we turn to practice, then for last years there is not a single case when the loan agreement would be terminated solely at the initiative of the borrower. There is a right and an opportunity, but it is unlikely to realize them with a positive result.

Grounds for terminating a loan agreement

There are no special grounds. Borrowers may use those applicable to any contract:

1. Agreement of the parties (bank and borrower).
2. By court order, if:

• the bank has materially violated the terms of the agreement, and such violation caused damage to the borrower, depriving him to a large extent of what he expected when entering into the agreement;
• the borrower refers to the grounds expressly provided for in the loan agreement for its termination.

1. A significant change in the circumstances from which the bank and the borrower proceeded when applying for a loan - one that, if foreseen, would force the borrower to refuse the loan or conclude an agreement on completely different conditions. A prerequisite for the application of this ground is a combination of the following factors:

• when applying for a loan, the parties assumed that the changes referred to by the borrower would not occur;
• the reasons for the changes could not be overcome by the borrower after they occurred with due diligence and diligence in fulfilling the terms of the loan;
• the execution of the contract would violate the balance of the interests of the bank and the borrower arising from it and would cause damage to the borrower with a significant deprivation of what he expected under the contract;
• the terms of the loan do not provide that the risk of a change in circumstances lies with the borrower.

Of all the above grounds, only one can be called more or less applicable - a significant change in circumstances. It is usually used when borrowers apply to the court. Among the reasons for a change in circumstances, diseases, job loss, a serious reduction in income, etc. most often appear. Less often, borrowers refer to all sorts of natural disasters, emergencies, and everything else that usually refers to force majeure. At the same time, all these reasons and grounds are not taken into account by the courts due to the significant position of the bank - they could be foreseen by the borrower at the time of the conclusion of the loan agreement. Moreover, there is practically nothing to fend off such arguments of the bank:

• when referring to dismissal, illness, a decrease in income and other circumstances of a serious deterioration in the financial and material situation, the bank has one answer - these circumstances can be overcome (you can find new job, open a business, recover, etc.);
• when referring to force majeure circumstances, banks argue their disagreement with the termination of the loan agreement with a very simple argument - the borrower was offered insurance, but he refused, or the borrower himself did not take measures to obtain insurance, that is, he could foresee various force majeure and could, moreover, insure yourself against their consequences.

The position of a borrower who is terminally ill looks more weighty. You can also try to prepare an evidence base, substantiating the fact that the borrower could not foresee force majeure circumstances and could not insure against them. But this is extremely difficult to do even with the involvement of a good lawyer. Arguments should be as undisputed as possible.

How to terminate the contract

Termination of the loan agreement requires a preliminary resolution of the issue in a pre-trial order. The borrower must send the appropriate notice to the bank and justify the reasons for termination. And only if an agreement is not reached, there is a right to go to court.

A statement of claim is sent to the court demanding the termination of the loan agreement. The case is dealt with in the usual way. The probability of a positive outcome is close to zero. Given this, as well as assessing the costs of effort and money for the trial, it is worth thinking very carefully about your legal position, and most importantly, evidence of the existence of grounds for terminating the contract.

remember, that the outcome of the case may depend on the correctness of the preparation of the statement of claim in court. If you have any difficulties, then you can use the help to terminate the loan agreements.

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In some cases, the loan agreement becomes a burden for the debtor or creditor. However, the termination procedure is initiated extremely rarely, especially when it comes to a bank. The fact is that sometimes it is beneficial for the bank to keep the borrower “with him”. But if it doesn't come to that, then termination of the loan agreement where both parties have no claims. Although credit organizations often indicate in the contract that they have the right to unilaterally terminate the document.

Another transaction can be terminated at the request of one participant in the transaction through the court. There are two situations where this is possible:

1. When the other party commits significant breaches of the agreement;
2. Other cases expressly provided for by law or contracts.

If the borrower has not been granted a loan on the terms specified in the agreement, he can terminate the agreement unilaterally.

There are much more situations when a creditor can initiate termination unilaterally.

• The borrower does not fulfill the requirements of the creditor to repay the resulting debt, interest and other payments that must be made within the terms established by the agreement.
• If the borrower does not use the funds for the intended purpose.
• If it is not possible to control the targeted use of credit funds, the bank may demand that the damage be returned immediately.
• When a borrower defaults on a loan.
• When the security specified in the contract is lost or its condition has deteriorated.
• Financial position the borrower has deteriorated and this threatens to default on obligations under the loan agreement.
• If the bankruptcy procedure of the borrower is initiated.

Although in many cases the termination of the agreement is postponed until the debtor has paid the maximum possible.

Advantages and disadvantages of terminating the contract

For the bank in such a procedure, there are more disadvantages than advantages. However, everything will depend on the specific borrower and his solvency. Mostly loan termination occurs when there is nothing more to take from the debtor, or, conversely, he has pledged property, which can be levied. It is unprofitable for credit institutions to keep overdue contracts for years, thereby spoiling the statistics. Therefore, if they can take something from the borrower, they will try to do it.

It would seem that the termination of the contract, initiated by the borrower, will bring him solid benefits:

• stop calling from the bank;
• will not be able to transfer the case to third parties (read - collectors);
• stop getting worse credit history;
• you can finally pay off the bank by giving legally due money.

However, there are also disadvantages to this process:

• termination may not go according to the scenario that you planned;
• the debt still has to be paid;
• if the collectors have your data, you will have to contact them to stop calling.

Therefore, in order for the termination procedure to bring the desired results, you should enlist the support of an experienced lawyer. Then you can achieve termination and make it profitable.

The most profitable way to terminate a transaction with a bank is the agreement of the parties. Only in this case neither you nor the credit institution should object to the termination. And this happens very rarely. If this happened, indicate in the agreement the amount of debt, the repayment period and other nuances. When the bank objects to this method, the transaction is terminated by a civil court decision. But here you need to prove that the terms of the contract were violated by the bank.

Getting a loan now is much easier than canceling or paying it off. As a result, a number of problematic contracts have emerged. If you understand that it is difficult or impossible to repay the debt, contact a lawyer and go to the bank with him to solve the problem. By doing this on time, you will avoid debt-related troubles.

The lawyer will tell you how best to terminate the deal with the bank. Only such a procedure is allowed in exceptional cases and requires special training and knowledge. Usually, the conditions and procedure for termination are prescribed in the contract itself, and these clauses should be read more carefully when signing the document. After all, if the lender reserves the right to terminate unilaterally without notifying the borrower, then the consequences can be very different.

But if the contract was terminated by agreement of the parties or by a court decision, then this is followed by the payment of the remaining debt, fines and other expenses for servicing the loan. Did the contract contain sanctions for early termination? They will definitely be applied to the initiator of the termination! The borrower may be fined. Therefore, you do not need to rush into this pool alone, enlist the support of a lawyer, and only then, without fear, go to court or a bank with an application for termination.

How to terminate the transaction by agreement of the parties?

To initiate the termination of a transaction with a bank, it is not necessary not pay a loan, it is possible to solve the matter by less radical methods. By doing this in agreement with the credit institution, you will save both time and nerves. This procedure is possible:

1. If the document has expired;
2. In advance.

In the first case the contract is terminated if the loan is paid in full and all necessary payments. This happens automatically, no additional documents need to be signed.

However, there may be other agreements with the bank that do not terminate automatically. These include a debt service agreement or a bank account agreement. They accumulate debt, which the former borrower is unaware of. Therefore, you need to apply to a credit institution, where you indicate the need to terminate additional agreements. The result will be a certificate confirming that you owe nothing to the bank.

If the debt under the contract is not paid, then termination of the contract is automatically impossible. Here the borrower will have to apply to the court, with a statement on the termination of the transaction. You still have to pay the debt, but applying to the judicial authorities will reduce the amount of fines and penalties. A professional lawyer who specializes in such cases will be of great help in this matter.

He will help to conclude an agreement on debt restructuring and protect your interests in court. Thus, an agreement is concluded with the bank, which specifies the new terms of debt repayment, schedule, terms and interest. The main thing is not to hide from the representatives of the bank, then the procedure for terminating the transaction will be much faster, and in court it will be easier to find mutual language with bank employees.

In the second case When it comes to early termination of an agreement with a bank, the actions of the borrower depend on how the funds were received. In case of a one-time provision of funds (consumer or cash loan), the terms of early termination are indicated in the contract. This is mainly due to the early repayment of the loan taken. If none special conditions not spelled out, the contract will terminate automatically when you fully repay the loan.

How to terminate the transaction through the court?

In this case, it is allowed termination of the loan agreement at the initiative of the debtor (borrower) subject to two conditions, which have already been mentioned earlier:

• significant breach of the terms of the transaction;
• changed circumstances (loss of job or breadwinner, etc.).

If one of the conditions is met, then a certain procedure must be followed:

1. Send a termination proposal to the credit institution;
2. Go to court with a statement of claim;
3. Execute the orders after the court's decision.

It is better, of course, if you go through all these steps together with an experienced lawyer who can suggest ways out of difficult situations. Our experts will help not only to file a claim, but also represent your interests in court.

Immediately before applying to the judicial authorities, send a letter to the bank, where you indicate the need to terminate the transaction. The proposal must be sent by registered mail with acknowledgment of receipt. If a bank branch is nearby, you can take the letter there yourself. Only in this case, do not forget to make a copy of the message and get the bank's note on it that they received the original.

When a properly executed refusal comes from the bank, you can go to court with a lawsuit. If the representatives of the bank are in no hurry to answer, you can apply to the judicial authorities after 30 days. The claim must be submitted in writing, and the application itself indicates such data as:

• the name of the court, the defendant (bank) and the plaintiff;
• place of residence or location of the borrower and the credit institution;
• the nature of the violation;
• grounds for your claims and evidence thereof;
• list of documents attached to the claim.

Competently filing a claim requires not only knowledge, but also experience. The skills of our experts will be useful in this matter, so if you decide to go to the judicial authorities for termination, call us. Then the decision will be made maximum benefit For you.

When the statement of claim is received in court, count five days. This period is necessary for the court to decide whether to accept the claim for judicial proceedings or not. Correctly drawn up applications are accepted very quickly and further:

• a preliminary meeting is scheduled;
• followed by litigation.

Based on the results of the latter, the court will issue a decision and it will enter into force when the period required for filing an appeal expires. If there is no appeal, the decision comes into force, and the contract is terminated with all the ensuing circumstances. The parties will be able to appeal the decision within the next 30 days.

Why is it easier to terminate contracts with us?

In the staff of our company there are many highly specialized lawyers who deal specifically with the termination of credit transactions. They thoroughly know all the features of this procedure and will be able to correctly draw up all the documents. We are guaranteed to achieve our goals, giving the result that we agreed on at the first meeting. Working with us is convenient, easy and reliable! Do not rush into the unknown maelstrom of litigation and loan agreements, call us and we will solve these problems for you!