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When Dmitry Argarkov was sent a letter offering him a credit card, he found the rates not to his liking.
When Dmitry Argarkov was sent a letter offering him a credit card, he found the rates not to his liking.
But he didn't throw the contract away or shred it. Instead, the 42-year-old
from Voronezh, Russia, scanned it into his computer, altered the terms and sent
it back to Tinkoff Credit Systems.
Mr Argarkov's version of the contract contained a 0pc interest rate, no fees
and no credit limit. Every time the bank failed to comply with the rules, he
would fine them 3m rubles (£58,716). If Tinkoff tried to cancel the contract, it
would have to pay him 6m rubles.
Tinkoff apparently failed to read the amendments, signed the contract and
sent Mr Argakov a credit card.
"The Bank confirmed its agreement to the client's terms and sent him a credit
card and a copy of the approved application form," his lawyer Dmitry Mikhalevich
told Kommersant. "The opened credit line was unlimited. He could afford
to buy an island somewhere in Malaysia, and the bank would have to pay for it by
law."
However, Tinkoff attempted to close the account due to overdue payments. It
sued Mr Argakov for 45,000 rubles for fees and charges that were not in his
altered version of the contract.
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