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Man offered credit card alters the contract and returns it to bank… and is now suing them for £500,000 as they failed to read the small print and did not follow the terms

(DAILY MAIL)   A customer who altered a credit card contract without the provider noticing is now suing the bank – for breaching his own terms and conditions.

Russian Dmitry Argarkov, 42, wasn’t happy with the credit card terms being offered by Tinkoff Credit Systems so he scanned the document into his computer and made a few changes.

His more favourable terms included unlimited credit, zero per cent interest and no bank fees or fines.

He also added a clause that he could fine the bank three million ruples – around £588 – every time the company failed to comply with the rules and a further six million ruples – £117 – if they tried to terminate the contract. 

Mr Argarkov, from Voronezh, Russia, then sent the amended contract back to Tinkoff which didn’t pick up on the alterations and returned him the signed paperwork along with a credit card. 

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