Consumer loans allow you to purchase the necessary item, making payments for it within a certain time. Getting approval for such a loan is not difficult. Problems can only arise if you want to return the item to the seller.
Necessary
- - Contract of sale;
- - loan agreement.
Instructions
Step 1
If the goods purchased on credit breaks down, contact the service center. The seller bears the warranty regardless of how the product was purchased. If you have received a conclusion: "It cannot be repaired", then immediately proceed with the procedure for returning the goods.
Step 2
Read your loan agreement and find the bank's hotline. Call and explain the situation. Please inform us that you want to return the item. The bank must give you consent to perform this operation. Sometimes it is enough to notify a bank employee working at a particular outlet.
Step 3
In the store where you purchased the product, write a statement of termination of the sales contract. Provide an extract from the service center to confirm the legality of your claims. If you used a credit scheme with a down payment, then its amount must be returned to you within ten days.
Step 4
The rest of the amount will be returned to the bank by the seller. Write an application for early termination of the loan agreement. Bank employees working in the store or in its branch will help you compose it. The termination of the loan must be based on the termination of the purchase and sale agreement.
Step 5
If you do not want to get involved with paperwork and are able to repay the loan according to the agreement, then do not demand termination of the purchase and sale agreement. Ask to exchange the product for its equivalent. In fact, you will receive a new product instead of the spoiled one. This procedure usually takes less than an hour.
Step 6
Remember that you will not be refunded the money you spent on paying interest to the bank. This is another reason why it is more reasonable to demand replacement of the product.
