File fees collected by banks when using loans can be a confusing issue for many consumers. There are many people who do not have clear information about why these expenses are charged and whether they are refundable.
In this blog post, I will give detailed information about bank loan file fee refund.
What is the File Cost?
File fee is the name given to a fee collected by banks for transactions made during the loan application. This expense covers processes such as credit evaluation, risk analysis, and contract preparation.
How Much Does the File Cost?
File costs may vary from bank to bank and loan type. It is usually calculated as a percentage of the loan amount. For example, for a loan of 10,000 TL, a filing fee of 100 TL may be requested.
Can the File Fee Be Refunded?
Yes, it is possible to refund file costs.
According to Article 63 of the Consumer Law: Banks cannot claim expenses that are not written or clearly stated in the loan agreement. In this context, the filing fee is also an expense that can be requested to be refunded.
According to the Supreme Court decisions: It is accepted that the file fees collected by banks are included in the loan intermediary service fee and can be refunded if this fee is excessive.
How to Request a File Fee Refund?
In order to refund the file fee, you must first submit a written refund request to the bank. If your request is not accepted, you can apply to the Consumer Arbitration Committee. If the decision of the Consumer Arbitration Committee is in your favor, your bank must refund the file costs.
Things to Consider About File Fee Refund:
You can request transactions from the last 10 years for a refund of filing fees.
Before applying to the Consumer Arbitration Committee, you must submit a written refund request to the bank and wait for the bank’s response.
Expenses such as application fees to the Consumer Arbitration Committee and attorney fees may occur.
You must have the necessary documents (loan agreement, bank account statement, etc.) ready for the application process.
