The lawyer explained when a bank can write off money without the client’s consent
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Senior managing partner of the law firm PG Partners Petr Gusyatnikov, in an interview with the Prime agency, explained that the bank has the legal right to write off funds from the client’s account either in the event of a court decision or in the presence of a corresponding agreement.
In the first case, a writ of execution is required, which can be used by bailiffs or citizens to recover funds if the court decision is on their side. The Bank has no right to refuse to implement this decision. In addition, a court order for collection is sometimes used, which eliminates the need to have a writ of execution. Thus, fines, debts for housing and communal services and alimony are collected.
In the second case, the right to direct write-off may be provided for in the contract. Banks usually automatically write off loan interest, service fees and other services. In case of objections from the client, he needs to carefully study the terms of the agreement, since refusal of direct debit may limit the provision of certain banking services, Gusyatnikov noted.
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