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1.媒體來源:
Minyanville (美國)

2.完整新聞標題:

[UPDATED] Russian Man Turns Tables on Bank, Changes Fine Print in Credit Card
Agreement, Then Sues, Now Settles

3.完整新聞內文:
原文是英文，簡單來說，有個俄羅斯男子Dmitry Agarkov

在2008年收到銀行寄來的信用卡申請單

他在填寫完資料後寄出，但他寄出的版本更改了其中一些條約

像是年利率改為0%以及不需繳納任何費用，還附加條款說如果銀行單方面違反

他可以請求銀行支付違約金

結果後來還真的收到銀行簽名的合約副本和新信用卡

兩年後他因為都沒付錢給銀行被銀行決定終止卡片，另外也起訴他未繳納費用跟罰金

但法院裁定合約有效所以他只需負擔部分金額

然後他反告銀行說銀行違反合約需支付違約賠償


最後好像是以未公開的條件和銀行達成合解的樣子XD

原文:

In Soviet Russia, banks pay customers' bills. Or, at least, one might.

An interesting case has surfaced in Voronezh, Russia, where a man is suing a
bank for more than 24 million Russian rubles (about $727,000) in compensation
over a handcrafted document that was signed and recognized by the bank.

Dmitry Agarkov said that in 2008 he received a letter from Tinkoff Credit
Systems in his mailbox. It was a credit card application form with an
agreement contract enclosed, much like the applications Americans receive
daily from Visa (NYSE:V), Mastercard (NYSE:MA), American Express (NYSE:AXP),
or Discover (NYSE:DFS). Agarkov filled in the form and returned the signed
application, though what he sent back was not exactly the same document the
bank had sent him.

A promotional image from Tinkoff Credit Systems' website.
Agarkov changed some parts for his own benefit -- most notably, the small
print. He opted in for a 0% APR and no fees, and added that the customer "is
not obliged to pay any fees and charges imposed by bank tariffs." He also
changed the URL of the site where the terms and conditions were published
from www.tcsbank.ru to tcsbank.at.ua. Additionally, he added a special clause
that would protect him should the bank break the agreement in a unilateral
manner. For each unilateral change in the terms provided in the agreement,
the bank would be asked to pay the customer (Agarkov) 3 million rubles (about
$91,000), or a cancellation fee of 6 million rubles ($182,000).

Agarkov then sent his updated agreement to the bank, and shortly thereafter
received the bank's signed and certified copy, as well as a credit card.

However, after two years of active use, the bank decided to terminate Mr.
Agarkov's credit card in 2010 because he was late paying the minimum required
amounts. In 2012, the bank sued Agarkov for 45,000 roubles ($1,363) – an
amount that included the remaining balance, fees, and late payment charges.
The court decided that the agreement Agarkovcrafted was valid, and required
Agarkov to settle only his balance of 19,000 rubles ($575).


Dmitry Agarkov, the customer who rewrote the rules for his own credit card.
Photo republished with permission from RIA Voronezh.

Despite the apparent victory, Agarkov fought back: On August 1, the
Kominternovsky District Court of Voronezh launched hearings about Agarkov's
countersuit against the bank. As Tinkoff Credit Systems had not honored eight
clauses in the agreement, Agarkov now wants the bank to pay amends of 24
million rubles ($727,000) total. The law firm Konsultant, which is
representing Agarkov, says that the bank's decision to terminate the
agreement cannot be lawful because his client was not paid 6 million rubles,
as per terms of the amended agreement.

The bank has so far said that the case was related to "a nonrecurrent
technical issue," and it is willing to have its day in court. The next
hearing will be held in September.

UPDATE:

The dispute between Agarkov and Tinkoff Credit Systems escalated when the
bank's chairman, Oleg Tinkov, took to Twitter to respond to media interest in
the case. (See: Russian Bank Chairman Comments on the Fine Print Case:
'Nobody Will Win Anything From Us.')

Then, on August 14, both sides announced a settlement on undisclosed terms.

"The conflict is counterproductive, so we agreed to settle it by withdrawing
our mutual complaints," said Oliver Hughes, president of Tinkoff Credit
Systems.

"This started as a joke in 2008... but the joke has gone too far," said
Agarkov.

"Of course I won't recommend other people do what I did. Before you opt in
for credit, you must think multiple times and carefully study your bank's
terms. But if you agree, you'll have to stick to it."

4.完整新聞連結 (或短網址):

http://www.minyanville.com/business-n...r/8/14/2013/id/51305?refresh=1

https://tinyurl.com/yd6holyy

附上google翻譯版連結:
https://tinyurl.com/yauxsb6u

5.備註:
※ 一個人一天只能張貼一則新聞，被刪或自刪也算額度內，超貼者水桶，請注意

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