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And after they unwittingly signed it, he's now SUING them for not sticking to the terms of the revamped offer letter.

Russian Dmitry Argakov applied for a credit card from Tinkoff Credit Systems but didn't like that repayment rates one bit.

But instead of tearing up the offer, he scanned it onto his computer, changed the terms in the small print and sent it back to the bank, who duly signed the contract and sent him his credit card.

What they failed to notice was that Mr Argakov had set a 0% interest rate, and there were no fees or credit limit.

Usually it's the bank who fines customers for breaking their terms, but this time it was Mr Argakov - who fined them 3 MILLION rubies (about £59,000) every time they did it.

He had also written in a nearly £120,000 fine if they tried to cancel the contract.

And now he's suing the bank for breaking the terms of the contract for nearly £500,000.

Oleg Tinkov, founder of the bank, tweeted: "Our lawyers think he is going to get not 24m, but really 4 years in prison for fraud.

"Now it's a matter of principle for @tcsbanktwitter."

Mr Argakov has already won a separate case against the bank.

They tried to sue him over fees and charges that weren't in his altered version of the contract after he hadn't made his repayments.

But a judge sided with Mr Argakov, saying the bank had signed the contract and were legally bound to its terms.

He only had to pay less half of what the bank demanded, which came to around £370.

Mr Argakov's lawyer said: "They signed the documents without looking.

"They said what usually their borrowers say in court: 'We have not read it'."