Bob:
I needed a large loan, but I had open delinquencies on other loans. On the Internet, I found a company that helps to get a loan in one of several banks for a commission of 3-5%. I have completed the application. A broker who introduced himself as Tom called back.
He offered to make documents according to which I work for a certain company - according to them my income level was much higher than in reality. This increased my chances of getting the bank approved. Everything about everything takes one day.
Soon I got a call from the bank. The specialist asked questions, including about my employment. A day later, the bank approved an unsecured loan in the amount of $ 150000. The phone number from which they called coincided with the one indicated on the bank's website. The specialist made an appointment at the department, where I had to come with a passport, a copy of a work record book and a certificate. All this time, I kept in touch with the credit broker Tom, who led my request. After approval of the loan, he demanded to pay for the production of documents. I transferred $ 500.
Only after transferring money, I suspected that I had fallen for a trick of scammers, and called the bank myself, dialing the number from the official website. Naturally, they did not receive any request for a loan in my name. All this time, it turns out that scammers also spoke to me on behalf of the bank. The "credit broker" phone was already turned off.
Financial Culture Expert:
Illegal broker - that's who Bob faced. There are brokers that help in obtaining loans, but it is not so easy to find them on a short request on the Internet - the risk of stumbling upon scammers is too great.
What is the difference between a real broker and a fake one?
Present
Not real
The activities of credit brokers as financial intermediaries are not regulated by a separate law, and therefore turning to credit brokers is almost always a risk.
Do not try to get an even bigger loan while you have an unbearable loan load and open late payments. Never send scanned copies of your documents to strangers.
Check out the broker's website, read reviews on how they work, and pay special attention to the domain. The domain must be registered to a legal entity and contain the most detailed contacts. You can find out everything about domain registration using a special service. Look at the name of the https certificate next to the domain, a simple certificate is easy to obtain, and only official organizations have a certificate with the company name.
If you are faced with this type of fraud, contact the police indicating the website of the broker who deceived you. The faster you do this, the higher the chances that there will be no new victims.
I needed a large loan, but I had open delinquencies on other loans. On the Internet, I found a company that helps to get a loan in one of several banks for a commission of 3-5%. I have completed the application. A broker who introduced himself as Tom called back.
He offered to make documents according to which I work for a certain company - according to them my income level was much higher than in reality. This increased my chances of getting the bank approved. Everything about everything takes one day.
Soon I got a call from the bank. The specialist asked questions, including about my employment. A day later, the bank approved an unsecured loan in the amount of $ 150000. The phone number from which they called coincided with the one indicated on the bank's website. The specialist made an appointment at the department, where I had to come with a passport, a copy of a work record book and a certificate. All this time, I kept in touch with the credit broker Tom, who led my request. After approval of the loan, he demanded to pay for the production of documents. I transferred $ 500.
Only after transferring money, I suspected that I had fallen for a trick of scammers, and called the bank myself, dialing the number from the official website. Naturally, they did not receive any request for a loan in my name. All this time, it turns out that scammers also spoke to me on behalf of the bank. The "credit broker" phone was already turned off.
Financial Culture Expert:
Illegal broker - that's who Bob faced. There are brokers that help in obtaining loans, but it is not so easy to find them on a short request on the Internet - the risk of stumbling upon scammers is too great.
What is the difference between a real broker and a fake one?
Present
- Helps with paperwork: tells you how to write an application correctly, what additional papers to provide about the financial solvency of the borrower.
- Suggests to meet: it is important for a good broker to meet a client in order to better understand him.
- Takes a fixed amount as payment, which you agree on right away. But at the same time, you pay after the service has been provided in full.
- Tells you when to come to the bank and explains what to answer common questions.
- It does not give any guarantees about the approval of the loan, but acts only as a legal and financial advisor. Informs that reviewing your credit history will take some time, and you cannot do without this procedure.
- Explains that in the event of delinquencies on old loans, it will not work to issue a new one, and offers solutions: debt restructuring, a series of small payments covering interest, bankruptcy.
Not real
- He offers to issue a document that has no relation to reality - for example, a fake income statement.
- Communicates with you by email and phone.
- Asks to pay with "a percentage of the loan amount" and requires an advance payment. Often, he first performs some "useful" action for you, and then announces the amount of payment.
- He says that he communicates with the bank on his own, without forcing you to bother yourself.
- Declares 100%, 99% or 93% probability of your application being approved by the bank.
- It acts very quickly: all issues are resolved in one or two days, and the credit history is proposed to be "corrected". Assures that everything will work out, despite your debts.
The activities of credit brokers as financial intermediaries are not regulated by a separate law, and therefore turning to credit brokers is almost always a risk.
Do not try to get an even bigger loan while you have an unbearable loan load and open late payments. Never send scanned copies of your documents to strangers.
Check out the broker's website, read reviews on how they work, and pay special attention to the domain. The domain must be registered to a legal entity and contain the most detailed contacts. You can find out everything about domain registration using a special service. Look at the name of the https certificate next to the domain, a simple certificate is easy to obtain, and only official organizations have a certificate with the company name.
If you are faced with this type of fraud, contact the police indicating the website of the broker who deceived you. The faster you do this, the higher the chances that there will be no new victims.
