http://rt.com/business/man-outsmarts-banks-wins-court-221/

They are lucky he didn't take them for more.

Classic case where unsolicited mail comes back to bite the sender in the ass.


I love it!

So he basically concocted a fake document and it held up in court? Solid work.

How is it a fake document? It was just as real as garbage all of us get in the mail on a daily basis.

wildcats20;1484418 wrote:So he basically concocted a fake document and it held up in court? Solid work.

No, he amended the contract they had sent him in the first place. The drone at the bank didn't check it when the application came back and agreed to the terms he had changed.

He's basically giving them a dose of their own medicine.

As someone who works for a bank...that's awesome lol

Although I was reading that article, and thinking how much money he was getting (24 million rubles, 6 million rubles, etc.) then it was just a couple hundred thousand in US$. Weak

If he's really lucky, he'll see his next birthday.

The smart thing he did was not abusing the card and trying to buy whatever. It seemed like he was just reasonable and just used it as a free no-interest loan any time he needed it.

Sounds like he hasn't "gotten away with it" just quite yet. If you read all the way to the end of the article, it sounds like there's still a chance this man can go to prison for fraud.

I'm not a lawyer, but this seems like he's going to jail. Still awesome though.

Scarlet_Buckeye;1484527 wrote:Sounds like he hasn't "gotten away with it" just quite yet. If you read all the way to the end of the article, it sounds like there's still a chance this man can go to prison for fraud.

I'd be more concerned with the Russian bank hiring a hit man to take him out

I don't think he'll be charged with fraud. At most, his amendments to the contract will be deemed illegal and he'll have to pay the debt.

WebFire;1484686 wrote:I don't think he'll be charged with fraud. At most, his amendments to the contract will be deemed illegal and he'll have to pay the debt.

Yeah, not sure how it plays in Russia, though. In the US, I'd assume whatever changes he tried to make are null and void when he accepts the CC and begins using it. I'm reasonably certain when you activate a CC that the fine print says the enclosed terms and conditions override any other agreement, expressed or implied.

I don't think it matters what conditions you attempt to attach to an APPLICATION for credit, it's not a contract or offer and your approval is still subject to whatever terms the bank attaches to what you're approved for.

:thumbup: great