Here is the translation:
Subject of Dispute: Recovery of credit debt from an individual under a credit agreement concluded in 2007.
Key Arguments of the Court:
1. The bank did not comply with the mandatory pre-trial procedure for resolving the issue of early repayment of funds under a consumer loan, as provided by the law “On Consumer Protection”.
2. At the same time, the court established that the bank sent a demand for loan repayment on December 22, 2018, which is confirmed by a separate court decision.
3. The court deviates from previous practice and considers that sending a demand for early loan repayment does not deprive the bank of the right to judicial protection.
Court Decision: To cancel previous court decisions regarding the refusal to recover debt and send the case for a new appellate review to finally determine the amount of debt.
