Dmitry Agarkov used a magic card for two whole years without paying a single kopeck in interest. When the bank finally woke up, it immediately filed a lawsuit demanding repayment of the debt with interest and penalties. They were in for a surprise.
All rise, the court is in session 🧑⚖️
The bank's lawyers were shocked: "This is fraud! We didn't mean that."
But the judge looked at the document and said: "Here is your seal. Here is your signature. A contract is a contract. The client owes nothing beyond what he took."
When the bank hastily blocked the card, Agarkov played his trump card 🥊
He filed a counterclaim for 24 million rubles for breach of contract (the very penalty clause upon termination). The bankers realized they would lose the case spectacularly and create a dangerous precedent.
In the end, the matter was settled with a confidential agreement, the details of which are kept secret (rumor has it the bank paid a very generous settlement).
👑 The main takeaway.
This story proves a frightening yet inspiring truth.
A standard contract is a myth.
For the law, only what is signed has force. We fear bureaucracy, though in reality it is blind. Sometimes that works in our favor, if you are the only one in the room who actually reads what is written on paper.
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