Litigation with a bank is a rather complicated matter, as a rule, it is credit institutions that win in such processes. But do not think that it is impossible to win the case. First of all, it is necessary to correctly draw up a statement of claim.
Instructions
Step 1
If for objective reasons you cannot pay off the debt on time, and the credit institution refuses to make concessions to you and charges huge penalties and fines, go to court.
Step 2
Before filing a statement of claim, go through all the necessary stages of the pre-trial settlement of the conflict. Contact the bank and ask to restructure or defer payments. In the event that the bank has refused your request, demand that the refusal be provided to you in writing with all the necessary signatures. This is necessary so that in court you have evidence that you tried to find a way out, and did not sit idly by.
Step 3
Any loan agreement indicates the place of the contractual jurisdiction. This may be the legal address of a bank branch. Alternatively, you can take legal action in your local court. This is stated in the "Law on the Protection of Consumer Rights".
Step 4
Write a statement in which indicate your last name, first name, patronymic, passport details, address. Also describe the essence of your appeal to the court, put your signature. Submit the application and all necessary documents to the office. Keep all copies of the documents handed over, certified by the court registry. This will ensure that your application is accepted and considered.
Step 5
In general, it is quite difficult to independently draw up such a statement correctly. If the amount of the dispute is large, it is better to hire a competent lawyer who works specifically on overdue loans. Such a person is called an anti-collector. He will draw up a statement in accordance with all the rules, will negotiate with the bank, and also represent your interests at the trial.
