Russia In July 2013, Russian Dmitry Agarkov won a court case against Tinkoff Bank after he altered the standard form contract he had received in the mail. The bank, failing to notice the changes, accepted the application and gave him an account based on the amended contract. The judge ruled that the bank was legally bound to the contract it had signed. Agarkov is further suing the bank for failing to comply with the terms he had added to the contract, which it had unwittingly agreed to by signing the contract. Agarkov's lawyer, Dmitry Mihalevich said – "They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it'." See also Electronic Signatures in Global and National Commerce Act (ESIGN, USA) Hobson's choice Non est factum Terms of service Notes References External links Joint Contracts Tribunal for United Kingdom Building Industry CLAB Data Base of the European Commission Contract law Terms of service