Harrowing story of one credit

Having concluded a contract of pledge in October 2009 with the Bank "C", under which the subject of the pledge was my car, for which I paid 50% of its value, I signed a year's a hassle!

And it is this. The agreement was registered, a fixed amount, which I had to pay the bank, without any interest was because for hire% not charged.

After taking the car from the passenger compartment, I put it on record and as a bona fide client of the Bank brought PTAs at my car in the bank as collateral. The girl, who took PTAs, looked at the monitor and said: "And you that second time he delivers?" I have been standing mark the surrender of your TCP! I was strained, and I asked, not it happen that when I come to pick up, paid the Bank finally, you have to be a mark that you have already given it to me?

A week later, I went to pass it, was surprised when the traffic police officers told me that for passing state vehicle inspection do I need to bring PTAs, and that is the RF Government Decree № 880 on this, and that bank employees should know about it and prevent their clients about possible difficulties in this regard.

The next day, I get time off from work and went to the Bank for PTSom and was simply dumbfounded when I was offered in exchange for my PTAs to pay a security deposit of $ 6000 dollars! Not only that they were not warned that PTAs may be needed in traffic police, so more money and they let on. This, they say, a guarantee that you will bring it back to us! Okay, do nothing, paid $ 6000., Through the cashier, they discharged me the act of issuing PTAs, under which I shall not later than 10 days to bring him back. I was assured that the deposit amount will be returned to me when I get back PTAs.

Seven days later, I, again as a bona fide customer of the bank, brought back to PTAs, but refused to return the money to me, referring to the fact they did not work Cass! Then I reviewed the outrage. I wrote a statement that now that the Bank does not perform any of its conditions prescribed by him, I too, refuse to take the TCP, but in turn, promise to pay regularly the monthly payments. I stamped on a copy of my statement, the incoming number and I left.

For six months I have regularly paid, and paid its debts in full. When I arrived at the central office to the street. Rodchelskaya to close their installments, and asked me to make a final payment minus already paid by me before 6000, my senior manager of the CO said that, it turns out, they told me they had already returned, and no recalculation will not be! I asked him to sign my paper on this subject, but the manager said with downcast eyes, that once I was so clever, then no calculation at all and will not be retired for further instruction from higher authorities.

After 15 minutes she returned and said that my debt at the moment is not a lot of not a few 60 000 dollars, because every six months, I thought they were fine for nesdannykh time PTAs, $ 300 for each day of delay! So there! I wrote another statement with a brief description of what is happening, to the Chairman of the Board of "remarkable" the Bank "C", paid the last payment through ATM and left!

Then came the calls of a head of department on work with problem customers, Aleksei Mikhailovich, the threats that I will make to the database so that I could not go anywhere abroad, that I should give them money, in general, frank extortion! I threatened the prosecutor's office, the calls stopped.

And then came the letter with a facsimile chairman of the Bank, that no delay I have no money but I have them still be in the amount of $ 6000 paid by me earlier ... This is ridiculous, citizens ... I have vouchers for the full amount that I took in the bank, and they could not get enough ...

While in our banks will operate such careless financiers, nothing good to expect from the banking system as a whole, we do not have to!