Reduction of loan debt from 83,430 UAH to 44,820 UAH for a military servicemember

Case summary

A client contacted LLC “PRAVOVYI LIDER” after receiving a claim for debt recovery under a loan agreement.

LLC “Financial Company “Talion Plus” requested the recovery of UAH 83,430 of credit debt, UAH 5,000 for legal assistance expenses, and UAH 2,422.40 as a court fee from the client.

During the analysis of the case materials, it was established that the client was performing military service by conscription during mobilization, which is important for determining the legality of charging interest on the loan.

The client’s problem

The main problem was that the creditor demanded recovery from the client not only of the loan principal, but also a significant amount of interest.

The initial loan agreement was concluded with LLC “Moneyveo Quick Financial Assistance,” after which the right of claim was transferred to LLC “Financial Company “Talion Plus” on the basis of a factoring agreement.

The client acknowledged the debt under the loan principal, but objected to the recovery of interest accrued during the period of military service by conscription during mobilization.

Without proper legal protection, the entire amount claimed by the creditor, together with court costs and legal assistance expenses, could have been recovered from the client.

What the lawyers did

The lawyers of LLC “PRAVOVYI LIDER” conducted a detailed analysis of the loan agreement, case materials, debt calculation, and documents regarding the transfer of the right of claim to the new creditor.

After that, the lawyers:

• analyzed the circumstances of concluding the loan agreement;
• checked the factoring agreement and documents regarding the transfer of the right of claim;
• checked the validity of the amount claimed for recovery;
• prepared a legal position in the client’s interests;
• submitted written explanations with objections regarding the claimed interest;
• provided documents confirming the client’s military service by conscription during mobilization;
• substantiated the application of statutory benefits for mobilized servicemembers;
• provided representation of the client’s interests during the court proceedings.

Result

The court took into account the defense arguments and concluded that from the moment of the client’s mobilization, interest for using the loan was not subject to accrual.

The claim of LLC “Financial Company “Talion Plus” was partially satisfied.

The court ordered the recovery of UAH 44,820 of credit debt from the client, including:

• UAH 27,000 — debt under the loan principal;
• UAH 17,820 — interest debt.

The client was also ordered to pay UAH 1,301.31 as a court fee and UAH 2,686 for legal assistance expenses instead of the UAH 2,422.40 and UAH 5,000 respectively claimed by the creditor.

The court refused to satisfy the remaining part of the claims.

Thanks to the professional legal support of LLC “PRAVOVYI LIDER,” the amount of credit debt was reduced from UAH 83,430 to UAH 44,820, and the rights of the mobilized servicemember were protected during the court proceedings.

Official documents

The case involved the loan agreement, factoring agreement and documents regarding the transfer of the right of claim, debt calculation, written explanations of the defense, military ID, certificates from the military unit, and the court decision.

Case No. 372/5754/25