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But now Mr Argakov has taken matters one step further.

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Im trying to put the work in and send as many messages as I can every day but it can be difficult in the evenings with the old ball and chain hanging around the place.

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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). They said what usually their borrowers say in court: 'We have not read it',” said Mr Mikhalevich.

Tinkoff has launched its own legal action, accusing Mr Argakov of fraud.

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