Rus News Journal

- My mum after death of the husband has moved to Stavropol from Volgograd. At it were saved sberknizhki the husband on whom now the Savings Bank pays indemnifications. There are all documents, except one - confirming the right to inheritance.

on questions of readers lawyer Dmitry Markarjan responds. Ask it the questions you can by phone (8793 33 - 90 - 89, the letter (Pyatigorsk, street Extreme, 49/ October, 17 (Business centre), office 1011) or to send on electronic mail matveev@kmv. kpstav. ru.

- My mum after death of the husband has moved to Stavropol from Volgograd. At it were saved sberknizhki the husband on whom now the Savings Bank pays indemnifications. There are all documents, except one - confirming the right to inheritance. The notary in Stavropol has told that it is necessary to go behind it to Volgograd. It cannot go on a state of health. A leah I can make it, her daughter, and that for this purpose is necessary: The power of attorney, still any documents?

Irina Petrenko, Stavropol.

- your mum can not go in other city. For this purpose it is necessary for it to give out the power of attorney to you or other person on representation of its interests at the notary, in PTI, in Ground chamber, in Management of Federal registration service. The power of attorney should be notarial, otherwise you cannot represent interests of your mum. If your mum on a state of health cannot come itself to the notary, it can leave on the house and issue the power of attorney in-home.

- I buy the car on tick. When legalised papers in firm, to me have told that I should pay 15 annual interest rates from car cost. However when I have counted the full sum it has appeared that the sum of percent has grown to 28 percent for a year. A leah I can refuse such contract?

Michael Kuznetsov, Cherkessk.

Dear Michael, a situation described by you, it is typical enough. Frequently the companies which are giving out credits, using desire of the client as soon as possible to issue the credit and to receive the car, include in the contract of a condition on payment of the commission for credit granting, for using the special bill, for cashing in of money resources. At times the special exchange rate exceeding official on 10 - 20 percent is established. The majority of firms a beret from 8 000 to 20 000 roubles for car delivery. As a result of application of such schemes the sum of the latent percent can reach 25 - 30.

I advise to you attentively to re-read the contract concluded by you. In a case if the conditions containing in it, essentially differ from on what you agreed at its conclusion, you can bring an action with the requirement of a recognition its insignificant transaction.