Vedomosti: The Central Bank will change the rules for refunding money for imposed services with a loan 
December 30, 2021, will significantly complicate the ability for Russian banks to collect money for imposed services. This follows from the Central Bank's response to the request of the Association of Russian Banks (ARB), Vedomosti writes.
Currently, a number of market participants are trying to cash in on hidden options, requiring clients who want to return their money to provide actual proof that they did not use the service. After the changes in the law, the credit institutions themselves will have to provide documents confirming the correctness of one or another party.
The so-called cooling period, when the client has the right to revise the conditions, will be 14 days. It will be extended to any services – legal support, consultations, telemedicine, and so on. The bank will have to return the money to the client for the imposed service minus the actual costs incurred for the provision of the service at that time.
From the point of view of the procedure, the client will first have to contact the lender or the person providing the service. If the latter does not want to return the money, then the request can be forwarded to the bank. There are several reasons for the refusal – the client missed the deadline for submitting the application, the client hid the fact that he had already received the money or the client did not deposit it. But the party responsible for providing the service will have to prove these circumstances.
In the first nine months of 2021, Russians complained about banks more than 107 thousand times, which is 28.2 percent lower than a year earlier. Almost a third of complaints related to consumer lending, including by 2.5 percentage points, to 11.7 percent of the total share, the number of complaints about imposing services increased.
Earlier it was reported that they took a record 1 6 million loans in cash is 22 percent more than in October last year. In the first ten months, the number of cash loans totaled 15.8 million, already surpassing the record in this respect in 2019.