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Thread: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, Then Reply to Thread
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  Topic Review (Newest First)
08-13-2013 03:51 PM
buddyholly
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by MaxPower View Post
Yes. Because the bank supplied him an agreement to review and then send back. But he REPLACED the agreement with his own fake agreement without the banks knowledge or permission.

The bank had no reason to expect the document to be replaced so even if they made a mistake by signing it they were tricked. We also don't know how professional the replacement document was but we can expect it was of very high quality and then it's clearly not reasonable to expect an ordinary employee to spot the fake.
Yes, I doubt that you can legally take a contract written by one party, make a few small changes, sign it and return it. He should have written the contract that he wanted or informed the bank that he head made changes to their version.
08-13-2013 10:34 AM
MaxPower
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by HKz View Post
Can this really be considered fraud when it was after all just an application? Technically speaking, the bank would be the one responsible for agreeing to the document because you know for a fact that such a situation happened the other way, the consumer would be held responsible for not reading his terms...so I really doubt the man could get convicted of fraud here.
Yes. Because the bank supplied him an agreement to review and then send back. But he REPLACED the agreement with his own fake agreement without the banks knowledge or permission.

The bank had no reason to expect the document to be replaced so even if they made a mistake by signing it they were tricked. We also don't know how professional the replacement document was but we can expect it was of very high quality and then it's clearly not reasonable to expect an ordinary employee to spot the fake.

That's where the fraud comes in and it was done BEFORE the bank made the mistake of signing it. He isn't the contractor that offers a service to the bank. It's the bank that offers him a service. He cannot set terms to begin with.


Legally I think the bank got it in the bank but ofc in Soviet Russia having something in bank can mean you lose
08-13-2013 03:37 AM
HKz
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Can this really be considered fraud when it was after all just an application? Technically speaking, the bank would be the one responsible for agreeing to the document because you know for a fact that such a situation happened the other way, the consumer would be held responsible for not reading his terms...so I really doubt the man could get convicted of fraud here.
08-12-2013 11:15 AM
TigerTim
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

08-11-2013 06:26 PM
MaxPower
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Damn. This is like the old soviet russia reversal joke but done in practice. Bank doesn't write you credit card agreement, you write it for the bank clever plan but fraud.

Could have backed off in 2012, but in Soviet Russia you don't back down, you go forward instead...all the way to prison
08-10-2013 07:05 PM
Kat_YYZ
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Mr. Agarkov is a hero. Unfortunately, the bank will have him killed.
08-10-2013 01:19 PM
buddyholly
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by Jverweij View Post
what this thief (I tend to agree with this) must now be making clear to you, is that your average bank, creditcard company etc. are also thieves. But I'm sure you disagree
Maybe you should open an account with a Canadian bank.
08-10-2013 01:19 PM
buddyholly
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by abraxas21 View Post
Banks of the world and rich people in general approve this message
Honesty is always the correct way to go.
08-10-2013 12:41 PM
benitohasker
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

I think that guy is facing 4 months in jail for fraud.
08-10-2013 12:26 PM
Jverweij
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by buddyholly View Post
He is just a thief. In the end we all pay for other people's scams.
what this thief (I tend to agree with this) must now be making clear to you, is that your average bank, creditcard company etc. are also thieves. But I'm sure you disagree
08-09-2013 04:33 PM
abraxas21
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by buddyholly View Post
He is just a thief. In the end we all pay for other people's scams.
Banks of the world and rich people in general approve this message
08-09-2013 10:43 AM
Kiedis
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Quote:
Originally Posted by buddyholly View Post
He is just a thief. In the end we all pay for other people's scams.
He is doing the same that the banks and another big companies do, submit them the contract he wants governing their business relationship. It's not his fault they have not readed it.

It arise a question to me, this is not a visa gold or platinum. What kind of Visa would be? A graphene Visa
08-09-2013 09:55 AM
buddyholly
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

He is just a thief. In the end we all pay for other people's scams.
08-09-2013 09:39 AM
GSMnadal
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

Give this man a statue.
08-09-2013 07:15 AM
Kiedis
Re: Russian Man Turns Tables on Bank, Changes Small Print in Credit Card Agreement, T

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