Banking and credit disputes

Banking and credit disputes

The designated category of civil cases aimed at resolving contentious financial situations, credit, debt, or collateral obligations, and legal relationships that are legally defined by a credit agreement between a bank, financial institution, as well as a collection agency on one side, and a borrower on the other.

Over the past few years, the real income of many citizens in our country has significantly decreased, and some employed workers have been subjected to numerous layoffs.

Not long ago, many honest and decent individuals, relying on social support from the government and our politicians, hoping for the success of their own businesses or trusting their employers regarding guarantees of their employment, were compelled, at that time, due to the financial crisis, to take out loans, credits, and enter into credit agreements with banks and other financial institutions in order to overcome difficult situations and challenging life circumstances.

Indeed, these individuals were forced to take urgent consumer or secured loans at high interest rates. As a result, they eventually became unable to manage monthly payments and the obligation to repay the debt under the concluded credit agreement.

Consequently, financial institutions, banks, and sometimes collectors, unlawfully, without any legal basis, taking advantage of the unawareness of the laws on the vulnerable party of the credit agreement, and sometimes even physically threatening, exert psychological pressure on borrowers, forcing them to pay accrued penalties, fines, and double, elevated interest rates for the use of credit funds without your consent.

Banks, credit organizations, and especially collection companies often violate the law in pursuit of their own gain! They pass on the debt to collectors who resort to the cruelest methods to reclaim the debt.

Threats over the phone, including nighttime calls, angry SMS messages, letters accusing of fraud with references to criminal articles, rapidly transform life into a nightmare!

Please be aware that the actions described above by collection companies, banks, and other financial institutions are absolutely unlawful.

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Attorneys from the legal firm "Monarch Business Consulting" possess significant positive experience in cases involving the regulation of these legal relationships. As a result, they can address your situation within the bounds of the law, either through legal proceedings or out-of-court resolutions.

Prices for the services
Free "verbal" consultation

free "verbal" consultation for up to 10 minutes, without document review, by appointment only, available only on Fridays.

free of charge.
Verbal consultation without document review

unlimited duration verbal consultation, without document review, by appointment.

starting from 500 UAH.
Verbal consultation with document review

unlimited duration verbal consultation with document review, by appointment.

starting from 800 UAH.
Drafting a claim statement

development and writing of a claim statement in a banking or credit dispute.

starting from 8000 UAH.
Drafting an objection, response to a statement of claim, and reply to a response

development and writing of procedural documents in a banking or credit dispute, including objections, response to a statement of claim, reply to a response, and so on.

starting from 1000 UAH per page.
Drafting petitions/motions

development and writing of a petition/motion in a banking or credit dispute for certain procedural actions, such as securing a claim, retrieval of documents, annexation of documents, summoning witnesses, involving experts, conducting court examinations, and so on.

starting from 2500 UAH.
Drafting an appellate complaint

development and writing of an appellate complaint against a ruling, decision, or judgment of the first instance court in a banking or credit dispute.

starting from 9000 UAH.
Drafting a cassation appeal

development and writing of a cassation appeal against a ruling, decision, or judgment of the first instance and/or appellate court in a banking or credit dispute.

starting from 13000 UAH.
Credit dispute "Turnkey"

development, writing, filing of a statement of claim, as well as attorney's participation in court during the hearing of a credit (banking) case to resolve a dispute based on the submitted claim.

starting from 20000 UAH plus 1600 UAH*.
Note (*)

additional fee for services on the second and subsequent court days.

Important !

transportation expenses, travel costs, postage expenses, and court fees are not included in the service cost.

Maksym MARUSYCH
Attorney
  • The partner of the company is a professional practicingattorneyin Ukraine, the founder and managing partner of the Law Firm "Marusish and Partners," with extensive experience in senior legal positions in several well-known Ukrainian banks, such as "UkrSibbank" and "UkrEximBank."
  • The lawyer's main areas of expertise include the defense and restoration of rights, freedoms, guarantees, as well as the interests of citizens, foreigners, or stateless persons in the fields of commercial, migration, criminal, and military law. They skillfully provide defense for individuals in banking and credit disputes and offer legal assistance in cases involving personal bankruptcy.
Фото
Daria MAKSYMOVA
Lawyer
  • The advisor of the company is a professional practicing lawyer.
  • The lawyer's main areas of expertise include  providing legal services and representing the interests of individuals, legal entities, and entrepreneurs in court practices such as family cases, banking and credit disputes, inheritance cases, civil cases, disputes related to real estate, administrative and labor disputes.
Фото
Our experience
A loan from "PrivatBank" - A small loan, big problems!
Banking and credit disputes

In times of economic instability in Ukraine, people are forced to turn to banks and other financial institutions for loans. Due to the demand for money loans, there is a supply of loans from banks, microfinance organizations, and other dubious financial institutions, such as "payday loans," "quick cash," and the like.

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Поставлена задача

Given that our client learned about the existence of an ex parte court decision rendered against her, meaning a decision made without her knowledge and her participation in the debt recovery court proceedings totaling 108,000 UAH for non-compliance with the terms of a credit agreement, which is an amount exceeding the 4,000 UAH loan provided by JSC CB "PrivatBank," and with the purpose of protecting her violated rights and seeking justice, the client had to seek legal assistance and a qualified attorney specializing in credit cases to safeguard her violated rights and guarantees from the financial institution she had trusted in the past due to life circumstances.

Досягнуті результати

Indeed, from December 2018 to July 2020, the courts of Vinnytsia Region reviewed the unlawful ex parte decision and justifiably rendered a new lawful decision in the credit case concerning our client filed by JSC CB "PrivatBank."

It is worth noting that the decision resulting from the first-instance court review of the case was made with full consideration of our client's position and lawful interests. Consequently, only the principal loan amount of 4,000 UAH was collected from our client. Interest, penalty sanctions, and fees, which exceeded 100,000 UAH in total, were entirely canceled due to their illegitimate imposition.

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Поширенні запитання
What specific legal assistance does your law firm provide?
In what contentious situations can a banking lawyer assist a client?
Answer

We will definitely help you get rid of excessive payments and return to a peaceful life. Yes, our company's attorneys can:

  • Stop bank and collector calls;
  • Contest a notary's executive order;
  • Reduce the debt amount to insignificant levels, substantially or completely cancel fines, penalties, and unlawfully accrued interest on the principal of the taken loan;
  • Protect your movable and immovable property or other collateral from creditors;
  • Assist in legally avoiding credit payment;
  • Defend your guarantors;
  • Declare the credit agreement as void, invalid, and so on.

The attorneys of our company will assist you in dealing with such complex matters when:

  • You are unable to repay the credit debt;
  • Collectors are harassing you;
  • State or private enforcement officers could impose arrests on salary accounts, apartments, cars, or sell real estate and all your valuable assets at public auctions;
  • Banks are imposing excessive penalties, fines, increased interest rates, and fees;
  • You need to protect your rights and interests in a legal dispute with the bank;
  • You require a deferral of credit obligations;
  • Legal assistance is needed during the enforcement phase of a court decision regarding the forced collection of debt in favor of a bank or financial institution;
  • Help is needed in fully or partially suspending credit obligations.
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