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Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.

I will not try, but will thank Jim Lucas for his follow-up comments..

If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles.

"The Bank confirmed its agreement to the client's terms and sent him a credit card and a copy of the approved application form," his lawyer Dmitry Mikhalevich told Kommersant. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law." Earlier this week a Russian judge ruled in Mr Argakov's favour.

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