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Sergey is an ipeshnik, is engaged in taxi transportation. In April 2017, he signed a contract with Avangard Leasing and rented a Volkswagen Polo GT in the amount of $ 12,528 for a period of 38 months. The total value of the contract was $ 27,155. Unfortunately, it is not without delay, because Sergey is now asking for an amount equal to the cost of a new car.
– Every month I paid 1350 rubles, for the year I received nearly 14 000 rubles. After 38 months, I could buy a car with a residual value of 689 dollars. It turns out that once the payment is delayed. I went to a leasing company and asked for a postponement because it is written in the contract that the company can make concessions. Then there was a second delay. I went to ask for a postponement. After that, I read the contract carefully and I was horrified – the conditions were simply inert. The penalty for using other people's funds is 365% per year, said Sergey.
As the drivers hired from time to time for this car, they asked the leasing company to subscribe to a CASCO insurance policy. When they apply for a job, drivers go to the office of a leasing company to sign documents. In just one year, Sergey worked for four people.
– A year later, I realized that with the current rates in a taxi, to earn lease payments and wages, the car had to drive almost 24 hours a day. Drivers did not not maintained such a pace of work. And in the leasing company, I was limited to 5,000 km per month. I tell them – well, how can I raise money with this mileage? In order for the machine to win and train, one has to leave, the second to sit down immediately. I was already working between 80 and 90 hours a week to raise funds only on rents. But I did not make concessions. And for every kilometer above the mileage limit under the contract, I had to reach $ 0.13.
Sergey could not terminate the contract unilaterally. As a result, he decided to stop working in a taxi and stop making payments. On July 10, the leasing company returned his property, the Volkswagen Polo. And later, Sergey, his guarantors and his old drivers received notifications from the enforced execution department, according to which he would have been collected 25 934 rubles.
– It's my fault if I signed the contract on such terms. But the most annoying thing is that the drivers I hired proved to be guarantors.
Sergey had two official guarantors under the lease: a spouse and a friend. They are listed in the lease agreement, which is in the hands of the former taxi driver ipeshnika.
– When I stopped paying rents, a letter containing a warning about the need for payment was sent to all drivers. Although they have not signed any document on the guarantee. One of the drivers, Vladimir, (name changed – about ed.), went to the leasing company and was badured that they were still bringing him the contract. But he says that there is not his signature. And other drivers claim that the signature is not in the warranty.
Sergey and three drivers wrote a request for expertise in subscription to the ROVD. The militiamen explained that after that, they would remove the original documents in the office of the leasing company and send them for review. But there are no results so far.
– The results were supposed to be November 1st, but so far we have not received anything. As a result, the drivers who worked for me were forced to travel abroad. Each sent a request for 25,000 rubles. People have blocked accounts, they want to confiscate cars, property.
Sergey says that he does not refuse his duty and is willing to repay the debt. They say that he is guilty, did not read the contract, pecked that the car was given without advance. But he wants the court to understand first and foremost the claims of the leasing company are just. And most importantly, how legitimate are the requests for money from drivers who have proved to be unknowing guarantors?
In the last letter entitled "In case of early repayment", which Sergey received from his guarantors and drivers, the following figures appear.
Avangard Leasing declined to comment on the comments.
– If our client feels that we are acting inappropriately, there is a court that will determine which side is the fault.
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