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Answer: The premises will certainly be damaged due to demounting of the air-conditioner and expenses related to the renovation are owner’s losses. According to Section 1779 of the Civil law of Latvia everyone has a duty to compensate for losses they have caused through their acts or failure to act. However, there might be losses which didn’t occur yet, but might occur in the future. This is prescribed in Section 1771 of Civil law of Latvia. Losses may be either such losses as have already arisen, or such losses as are anticipated; in the former case, they give rise to a right to compensation, but in the latter case, to a right to security. Security may be in the form of pledge, mortgage or guarantee amount. Therefore, prior to allowing the bank to demount the air-conditioner, it is necessary to request a guarantee amount as compensation of possible losses. According to Section 913 of Civil law of Latvia, every person may protect his or her possession from any restriction or interference, even by force. In the event of bank’s attempt to enter premises and demount air-conditioner thus causing damages to the ceiling, one may lawfully forbid the bank to enter the premises.

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