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Man Creates Own Credit Card Then Sues Bank

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How many times have you scrolled through the terms and conditions and blindly clicked 'agree and continue', without really knowing what you're signing up for?

Well, one enterprising Russian decided to try the same with a bank - and it worked.

When Tinkoff Credit Systems sent Dmitry Argarkov a credit card agreement, he scanned it, altered the terms and sent it back. The ever-so-slightly favourable conditions were a 0% interest rate, no credit limit whatsoever, and a fine of 3m Rubles (£58,716) every time the company failed to comply with them. If the bank tried to renege on the agreement, they would have to pay him 6m Rubles (£117, 432)

When Tinkoff tried to close the account, it sued Mr Argakov for 45,000 Rubles for fees and charges not in his version of the contract - when it went to court, the judge ruled in his favour, saying that he was only obliged to pay the outstanding balance of 19,000 Rubles.

However, the ever-cheeky Argakov is now suing the bank for 24m Rubles (£469.728) for not honouring the contract. Tinkoff have counter-claimed, accusing Argakov of fraud. The case will go to court next month.

We surely can't be the only ones secretly hoping he's going to win...

[via The Telegraph]

(Image: Rex)

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