On the website of one of the dealerships they saw the advertisement about the sale of a new car “Lada Kalina” at very suitable price. It later became known that this car is in 2019 not issued. Phoned, agreed about a meeting in the showroom. However, on-site Laktionov said that the credit may not be granted. After leaving the dealership the couple received a call about virtually the exact loan approval. Thus to specify the possible conditions for calling the employees of the dealership refused, saying the possibility to do it only in a personal meeting.
Upon returning to the dealership managers said: credit will be granted for the purchase of a used car. Laktionova said they were a large family and can pay monthly not more than 8 thousand rubles. They were offered “Renault Logan”. The employees of the dealership strongly urged to acquire a car loan immediately and without thinking as they will take care of everything. Then, casually, allowed to sign a document, that is to say, absolutely non-committal, in the form of consolidation of the friendly intentions about a possible collaboration. The couple were already in the showroom, a total of more than nine hours, and they are very tired. This fact also contributed to signing them so politely of the proposed document. However, the vigilance of the couple was incapacitated completely. They felt the catch, saying that they would not buy a car. And they are going to leave. To him immediately approached several staff members. And, in fact, was not allowed to go anywhere. Staff explained that the previously signed document means the presence of a multilateral obligation. And asked to leave the dealership with a loan and without a car or with credit, but also the car. Moreover, the loan is clearly “small”. Just “Logan” 2018 the manual gearbox in the minimum configuration you need to pay 1 400 000 rubles, with payment only 18 000 rubles per month. And all this fun for the whole seven years. While this amount certainly does not include the CASCO insurance contract.
Seeing the continued persistence and releasing a married couple from the showroom, the staff used another tactic – quickly reached a settlement agreement on the settlement of litigation, which in itself at this stage of legal nonsense, giving a gift to the borrowers twenty thousand rubles. Really tired of this “wonderful purchase” Laktionova left the dealership close to midnight, without even seeing what they so insistently was sold.
the next day the couple asked for legal assistance. Applications were submitted to the police, the CPS, the Prosecutor’s office. However, the oversight organization is not hurry to prosecute the individuals responsible.
In court, where asked the couple, expressed a desire to help, however, it was reported that evidence of the conclusion of the onerous transaction, to mislead and to influence very little. The whole Saga lasted very long. It turned out that the dealership, insurance company and Bank one phone and the same staff. After new cases to the relevant authorities, the representatives of the dealership, a Bank, insurance company offered to reduce the payment up to fourteen thousand. However, this amount was clearly unaffordable for large families.
This unpleasant situation, after all, was resolved through long negotiations. The dealership took the car, the Bank and the insurance company provided documents about absence of claims to the borrowers. However, it cost lot of time, effort, nerves and sleepless nights in constant prayer. This situation is quite common; it got and can get a lot of people.
what should pay attention, if necessary, obtain a credit for the purchase of the vehicle. Most importantly, you must understand that getting a loan is the ability of the credit institution to make a profit. And, as a rule, the contract is for a long time, during which you will be dealing with a Bank, monthly payments and obligations under the agreement.
1. note interest rate, and the choice of the minimum percentage does not exclude the imposition of the various commissions or the establishment of the terms of the loan secured. You need to pay attention to the services under the insurance contract, which can be very costly. With the consent of the person on the conclusion of additional agreements related to the loan, subsequently to abandon their provision will have in court.
2. Pay attention to the size of the monetary amount to be charged as a penalty for nonpayment of the loan payments to the established time schedule. You should not attempt to read the fine print of the conditions of the proposed transaction. And it is better to ask the document for quiet study and make an informed decision.
3. In the case of registration of the contract of loan with pledge of the purchased vehicle should pay attention on the appropriateness of the registration of the contract of insurance with two beneficiaries. One of the beneficiaries will be the Bank who will receive insurance compensation in case of total loss of the vehicle, and that is very important in the amount outstanding on the loan of monetary funds as compensation while in��x damage is received by the owner of the car. Traffic accidents occur daily. And ignoring these points may result in the payment by the borrower of funds under the insurance agreement and receipt by the Bank of all possible payments, which further can lead to the aggravation of the situation got to the accident the driver.
4. the Imposition of a particular insurance company, in which it is necessary to conclude the insurance contract is illegal because you have the right to enter into this agreement with any company that meets the requirements of the particular Bank.
5. Never agree to a contract upon receipt of information in one Bank. You should analyze other proposals. Not read the contract, as proposed by the Bank’s employees, only in certain areas of the contract. The agreement should be study completely.
6. Check the items of the contract whether the Bank’s right to change interest rates unilaterally. Since the existence of such a right may lead to a significant change in the monthly payment. Ask the Bank to provide information about the total cost of credit. Also, examine the contract provided for in the procedure and the possibility of loan repayment in the early order. Attention should be paid to the fact that substantial fines can be imposed and the lack of timely notification to the Bank about the change of data of registration at the place of residence, change jobs. It is important to examine information about specific insured events covered by the insurance contract. It is important to pay attention to the territorial jurisdiction of a possible dispute between the Bank and the borrower. Many large banks indicated as the court to deal with disputes – the courts in Moscow. Residents of the regions in this case will be very difficult to effectively represent their interests, and it is expensive.
7. And in case of impossibility of payment of the loan within the stipulated time for reasons of force-majeure shall immediately inform the Bank in writing with confirmation of the fact of sending of statements of grant of deferral of installments on the loan, the implementation of the restructuring of the loan.
8. in No case do not take the credit at the request of others “as a friend” ask him to take formally. Such a loan will have to pay yourself.
