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Здравствуйте! У меня возникли сложности с таким вопросом:БЫЛО два суда с банком Пойдем.В справке о качестве обслуживания задолженности по кредиту в графе сумма платежа стоит ЕЖЕМЕСЯЧНАЯ сумма платежа меньше,чем в выписке по ссудному счету,за тот же месяц. БАНК нарушил права потребителя,навязав страховку и услугу "персональный консультант"Я как наиболее экономически слабая сторона не могла отличить одну приобретаемую услугу от др.(тем более ее необходимость для меня)ПО многим пунктам искового от банка я не согласна,но судья вообще даже не обращает на меня внимания,полностью на стороне Банка.Мои возражения на исковое игнорирует.А в выписке ссудного счета на 05.05.2016 в графе остаток/долг на конец периода стоит 0.00,в то время в письменной позиции банка(исковом)стоит сумма 131791,86р.Третье заседание будет 02.06.2016.Помогите,я должна знать как вести себя на суде.Защищаю себя сама,т.к. средств едва хватает на существование.Ситуация банальная:на неотложные нужды взяла (по договору 164000р.,по факту вышла из офиса-150000р.)платила исправно 20 месяцев,к сожалению,наверно не одна я попала под лопасти кризиса и пополнила ряды безработных.Судебный приказ я отменила в ноябре,но банк подал исковое(тем самым "ПОЗВОЛИВ МНЕ СЕБЯ ЗАЩИЩАТЬ").Буду благодарна и признательна за любую информацию.ТАТЬЯНА.
БАНК нарушил права потребителя, навязав страховку и услугу "персональный консультант"Я как наиболее экономически слабая сторона не могла отличить одну приобретаемую услугу от др.(тем более ее необходимость для меня)
Согласно статье 16 Закона РФ "о защите прав потребителей", условия договора, ущемляющие права потребителя по сравнению с правилами, установленными законами или иными правовыми актами Российской Федерации в области защиты прав потребителей, признаются недействительными. Продавец (исполнитель) не вправе без согласия потребителя выполнять дополнительные работы, услуги за плату. Потребитель вправе отказаться от оплаты таких работ (услуг), а если они оплачены, потребитель вправе потребовать от продавца (исполнителя) возврата уплаченной суммы. Согласие потребителя на выполнение дополнительных работ, услуг за плату оформляется продавцом (исполнителем) в письменной форме, если иное не предусмотрено федеральным законом.
В соответствии со статьей 137 ГПК РФ, ответчик вправе до принятия судом решения предъявить к истцу встречный иск для совместного рассмотрения с первоначальным иском. Предъявление встречного иска осуществляется по общим правилам предъявления иска.
Предъявите встречный иск о признании страховки и услуги "персональный консультант" незаконными. В этом случае Вам нужно доказать, что страховку и услугу "персональный консультант" Вам навязали.
в выписке ссудного счета на 05.05.2016 в графе остаток/долг на конец периода стоит 0.00,в то время в письменной позиции банка(исковом)стоит сумма 131791,86р.
В соответствии со статьей 132 ГПК РФ, к исковому заявлению прилагаются расчет взыскиваемой или оспариваемой денежной суммы, подписанный истцом, его представителем, с копиями в соответствии с количеством ответчиков и третьих лиц.
Требуйте предоставить расчет суммы и Вам станет ясно почему в выписке 0.00 рублей, а в исковом требовании 131 791 рублей.
Ваш вопрос требует тщательного изучения документов, цена иска серьезная, поэтому мой Вам совет обратиться за помощью к профессиональному юристу специализирующемуся на кредитных долгах.
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