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MOSCOW, March 13 Sometimes the borrower ends up owing money to the bank even after he has fully repaid the debt. How this happens, lawyer Isabella Atlaskirova told in an interview with the Prime agency.
She named the three most common reasons: the bank deliberately complicates the provisions of the contract and writes conditions unfavorable for the client in small print, the consumer himself did not read the contract well, and a technical error.
There is only one cure for the first two reasons: read the contract very carefully, even if the bank hints to you that you are stalling for time. “Remember the Latin principle: “When in doubt, refrain!” Otherwise, you can really end up in debt for a large amount, even if you have made all the payments on the loan and have already forgotten about it,” warns the expert.
It happens that the contract stipulates the need for payment additional services, and on a credit card interest is charged on the outstanding part of the limit, even if it is one ruble. Sometimes the bank incorrectly determines the amount of the last payment and continues to charge interest on the debt. In this case, SMS notifications stop coming due to a “system failure,” so you will find out about the debt much later, when a significant amount has already accumulated.
Technical errors do happen, but correcting them is much easier than changing the terms of the contract , which you have already signed, concluded Atlaskirova.