Alexey Gavrishev, a lawyer and managing partner of AVG Legal, told the Prime agency that if the clause on early repayment of the debt is absent in the loan agreement, the borrower must notify the bank 30 days in advance of his intention to repay the loan ahead of schedule.
If the bank charges fines, it is necessary to challenge this decision by writing a statement demanding the return of the commission or fine, referring to Article 809 of the Civil Code of Russia, and in case of refusal to go to court.
“Banks have no right to refuse a client's intention to repay their debt ahead of schedule.
Therefore, if the bank's employees refuse to accept your application or hinder you in some other way, ask to justify the actions in writing, ”notes Yegor Redin, managing partner of the law firm Position Prava.
He also recommends that after paying off the debt, receive a notification or an official letter from the bank confirming the fulfillment of obligations.