The Supreme Court of Russia declared illegal the practice of including insurance payment obligations in loan agreements without separate written consent of the borrower. This was reported by RIA Novosti Referring to the decision of the judicial panel in civil cases.
The reason for the decision was the objection of one of the residents of Yekaterinburg. He received a consumer loan in the amount of 2 million rubles, after which the bank issued him a voluntary accident insurance policy in the amount of 156 thousand rubles. When the Russian wanted to cancel the service, the credit institution refused him.
The Board noted that when providing additional services, the bank must give the client the opportunity to refuse or accept them independently. The court added that situations where the lender agrees on behalf of the borrower or forces him to accept these conditions are unacceptable.
The definition states that “The fact that the consumer has signed the individual terms of the consumer loan agreement presented to him does not, on its own, eliminate the fact that the lender has violated the provisions of the “Law on Consumer Loans”.
Duma deputy Sergei Kolunov in September reportedHe said that the State Duma is attempting to limit the number of consumer loans per citizen. According to him, banks and microfinance institutions should not approve more than two loans at the same time.
The lawyer previously answered what scammers should do hanged credit per person.
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Source: Gazeta
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