“Mr Argarkov’s version of the contract contained a 0pc interest rate, no fees and no credit limit. Every time the bank failed to comply with the rules, he would fine them 3m rubles (£58,716). If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles.  Tinkoff apparently failed to read the amendments, signed the contract and sent Mr Argakov a credit card.  Earlier this week a Russian judge ruled in Mr Argakov’s favour. Tinkoff had signed the contract and was legally bound to it. Mr Argakov was only ordered to pay an outstanding balance of 19,000 rubles (£371).”