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.
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Man creates own credit card; sues bank for violating TC
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Man creates own credit card; sues bank for violating TC
Re: Man creates own credit card; sues bank for violating TC
Mr Argarkov is legend.
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Re: Man creates own credit card; sues bank for violating TC
In Soviet Russia, bank pays you money.
Re: Man creates own credit card; sues bank for violating TC
lol, now that's sticking it to the man.
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Re: Man creates own credit card; sues bank for violating TC
Now why didn't I think of that?
I just hope when his case is reviewed that things turn out well for him.
I just hope when his case is reviewed that things turn out well for him.
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Re: Man creates own credit card; sues bank for violating TC
"I hear voices in my head but they are my own this time"
"Except for a battle lost, there is nothing so terrible as a battle won."
"Sanity is for the weak!!"
"Except for a battle lost, there is nothing so terrible as a battle won."
"Sanity is for the weak!!"