«Financing of new cars. A new car from 1991 hryvnia per month». Such tempting formulations attract many financial companies that specialize in buying cars for leasing. You will be gladly met in a car dealership, will be offered "quickly, qualitatively and a minimum of documents". By signing a contract, you get into financial bondage with a monthly payment of significant amounts and double overpayment for the car.
Is such a contract legal? It invites the consumer to join the "group car purchase system". In fact, it is an ordinary financial pyramid.
Such agreements may be declared invalid or terminated in court. And there are two reasons for this:
- A clear imbalance between the rights and responsibilities of the consumer and the financial company. The terms of such agreements are considered unfair and contrary to the principle of good faith. In a similar situation, the Supreme Court of Ukraine has already expressed a legal position on the violation of consumer rights.
- Change in material circumstances. After all, at the time of the transaction, the consumer clearly did not expect a sharp monthly increase in the amount of payments.
And what about the deposit? Of course, your financial company is insured by the collateral of the provided car. In such cases, the court must also not forget to file a claim for invalidation of the pledge. The pledge agreement is derived from the main agreement (leasing agreement). Therefore, if the main contract is declared invalid or terminated, the pledge is terminated. After that you will have a full opportunity to dispose of the car.
What to do if you are still involved in such a scam? Seek protection of your rights immediately. Due to the obvious violation of the current legislation, the grounds for invalidating the contract are more than enough. If the car has not yet been received, you will be able to return the payments you made to the account of the financial company. If the company has already given you a car, the financial company will lose the right to demand from you overcharged several times, and you can keep your car.
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