The Supreme Court has announced a new precedent decision for the money collected by the banks from their customers. Within the scope of the announced decision, it was announced that the money will be refunded from the bank.
Good news of 2,865 TL money refund from the Supreme Court to millions of borrowers! Banks will pay back that money… While citizens are on their way to the banks to bring the end of the month due to their increasing cash needs, unfortunately, one of the biggest income items of the banks has become the expenses they collect from their customers.
Due to the intense competition between the banks, the banks, which reduced the loan interest rates, were trying to collect the profit losses from the loan costs, while the citizens became victims. In the general purpose loan, vehicle loan and housing loan packages of banks, there was a record increase not only in file costs, but also in items such as life insurance, overdraft accounts and housing insurance.
GOOD NEWS TO THOSE WHO TAKES CREDIT FROM THE JURISDICTION! HOW TO GET A REFUND FOR CREDIT FILE COST?
While there are many precedent decisions about the loan file costs of banks, unfortunately banks continue to collect this amount from their customers by making a name change every time. The Supreme Court has announced a new precedent decision regarding the refund of the loan file costs received by the banks.
Within the scope of the announced precedent decision, the good news of par refund came to those who took out loans within 10 years. It has the right to apply for a refund for all loan costs that have been paid back within 10 years. The precedent decision of the 13th Civil Chamber of the Court of Cassation dated E. 2017/7144, K. 2018/10219, T. 5.11.2018 is used in this regard.
HOW WILL THOSE WHO DRAW A CREDIT IN THE LAST 10 YEARS GET A REFUND?
With the aforementioned precedent, the retroactive statute of limitations has been applied for the last 10 years, and a refund request can be made through the arbitral tribunal of the consumer court. Applying to the bank with the credit file expense receipt and requesting the money back is the first step to be taken.
If the bank decides to refuse to pay the amount, an application is made to the Consumer Arbitration Committee. If a solution cannot be found, the Consumer Court is also authorized in this regard. The courts give unfair terms for the cost of the files received by the banks, and you can apply to the consumer arbitration board within the District Governor’s Office in the county where you live.