Unfortunately, the chances of success in this case are not very high. The result will depend on the terms of the contract, the behavior of the bank and the insurance company.
The borrower has the opportunity to get back part of the money paid, unless the contract stipulates that nothing can be returned. The reason for this may also be the end of the credit period before the expiration of the insurance.
When contacting a bank, in the claim statement you need to describe the essence of the problem and present demands, which are important to support with documents. As a basis for claims, it is necessary to mention the provisions of the Law "On the Protection of Consumer Rights".
Claims to the insurance company are filed in the same manner.
Regardless of the reasons for which you plan to slovenia mobile database return your insurance, you will need the following documents:
passport or other identification document;
application demanding termination of the insurance contract;
original and copies of the policy;
loan agreement and a certificate from the bank stating the absence of debt;
original and copies of the receipt for payment of the insurance premium;
account details for transferring funds when claims are met.
Procedure to follow in case of refusal to refund insurance
The bank and insurance company may refuse to return or recalculate money for financial protection services. If you are sure that you are right, you can send a complaint to Rospotrebnadzor, and if there is no response to the appeal, file a lawsuit against the financial institution.
It is important to use precise wording and provide references to legislation, otherwise the risk of having your claim denied increases.
When filing a complaint with Rospotrebnadzor, you must:
Please indicate the name of the organization.
Provide information about the loan - its purpose, repayment terms, number and date of the loan agreement.
Describe the problem in detail with reference to the clauses of the contract and legislation.
Describe the actions of the organization after your request, list the reasons for refusing to return the money or make a recalculation.