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I want to share experiences. Events took place at the end of last year / beginning of this year, but to serve as a warning to others. To buy real estate, I went to find out about a mortgage loan at ScandinavianBank. Fulfilling their requirements, of course, I provided the necessary documents (including, of course, the appraisal of real estate (it cost not a little not much - USD 400!). How much do I have in this bank for me owned a company account, but in addition to transferring my work to another company and my salary to another bank, ScandinavianBank requested that my salary be transferred to me by ScandinavianBank and as soon as this happens (the first salary transfer). OK - I also made the request and waited for the first salary transfer, went to the bank after the answer (in fact, I am already in the mood to sign credit agreement, because nothing seemed to prevent me from giving it to me (credit history and solvency - very good).Surprises began - I was denied a loan motivated (by a hitherto unclaimed claim) by the fact that the salary account must be credited to the salary for at least 6 months and only then be able to consider. t (grant) credit (!). So, of course, all the documents produced so far should be prepared for a new one, including an evaluation! As far as I classify the bank's actions as dishonest, and as such, which was mainly directed not at the examination of the credit but at the attraction of additional customers and their funds, then I will help the bank provide me with a WRITTEN response to my WRITTEN credit application (includingI have also drawn up this agreement (give me a written answer) in writing in 2 copies and at the time of submission I will help the employees of the bank to sign one copy of the receipt of this application - I WILL refuse to sign it on the grounds that it as management instructions that nothing should be signed!) .Needless to say that I did not receive any answer either. In short, if the case went to court, I would have almost absolutely no "touch". Just like an account statement that I paid the appraisers for the appraisal of the property. Of course, after all this I closed my payroll account (the legal entity account still exists, but gradually switching to another bank) to this bank. After 2 months, I got a loan from IT Banka without any problems.'. Just like an account statement that I paid the appraisers for the appraisal of the property. Of course, after all this I closed my payroll account (the legal entity account still exists, but gradually switching to another bank) to this bank. After 2 months, I got a loan from IT Banka without any problems.'. As an account statement that I have paid the appraisers for the appraisal of the property. Of course, after all this I closed my payroll account (the legal entity account still exists, but gradually switching to another bank) to this bank. After 2 months, I got a loan from IT Banka without any problems. Another part of Europe is the FCMC - the Financial Capital Market Commission. In the application, I described the situation in order to draw the attention of this commission to the methods by which the bank attracts customers, but in response it was explained to me that this commission does not deal with such issues and recommended me. to the employees of the Consumer Rights Protection Bureau (there, of course, I will not go, because, as I wrote - I have nothing legally against the bank!). In general, in my letter to the FCMC, I did not ask for anything, just draw their attention to this fact... In short, be very careful when contacting ScandinavianBank!
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