Dmitry Argarkov recently got a credit card offer in the mail, but didn't like the terms. So he changed the terms with his computer in Voronezh, Russia and sent the contract back to Tinkoff Credit Systems.
Argarkov's terms included a zero percent interest rate with no fees or credit limit. If the bank violated the contract, he would get 3 million rubles ($91, 000). If the bank canceled the contract, he would get 6 million rubles ($181, 000).
Tinkoff Credit Systems signed the agreement and sent him a credit card.
Later, Tinkoff Credit Systems tried to close Argakov's account because of overdue payments and sued him for 45,000 rubles ($1366) for fees and charges, noted The Telegraph.
However, a judge ruled for Argarkov, who only owes the balance of the credit card, 19,000 rubles ($577).
"They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it',” said Argakov's lawyer Dmitry Mikhalevich.
Argakov is suing Tinkoff Credit Systems for 24 million rubles ($728,924) for violating and breaking the contract.
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Tinkoff Credit Systems is accusing Argakov of criminal fraud because he rewrote the contract, which apparently the bank failed to read.
Source: The Telegraph