[ITEM 3] QUESTION: What should I do if the bank imposes additional services?

Banks and credit organizations frequently use aggressive sales tactics, including paid additional services in loan agreements, such as SMS notifications, legal assistance, medical consultations, or lab test certificates. Often, these options are presented as a mandatory condition for loan approval or for obtaining a reduced rate, even though legally they are not.

The primary rule for protecting your interests is never to sign documents without reading their contents completely and clarifying the purpose of each payment. By law, employees do not have the right to make the issuance of a loan contingent on the mandatory purchase of third-party paid services. If you are being forced into a package of options, act consistently and with confidence.

To resolve the issue properly, follow these steps:

Do not be afraid to ask questions and defend your financial interests. If the bank refuses to exclude the services, you have every right to file a complaint with the Central Bank or Rospotrebnadzor, attaching copies of the loan agreement and receipts for the payment of the additional options.