Bob:
I received this strange transfer of $ 300 on a bank card one evening. I didn't pay attention right away, I had a lot of work. On Sunday, I started checking the transfers and remembered about this mysterious amount. The payment description says that the transfer came from a microcredit company.
In a search engine, I discovered that this is a legal entity that operates through a site under a different name, and earlier the company changed several more brands. I read reviews about this office, everyone there roars and suffers. And in the conditions it is said that the loan is given at 365% per annum.
I immediately wrote in support of my bank, said that some left money had come to my account, and asked to return the transfer to the sender. But I was told that the bank cannot cancel the transfer and you need to contact those who sent it. There are no contacts on the company's website, except for the phone number, which is not available all the time, and email. I wrote a letter there, but so far silence.
The bank's specialist said that, most likely, someone used my data and was able to arrange a loan on the microcredit company's website. But I did not shine my data anywhere, and the money was sent to me. If this is indeed a fraudulent scheme, then it is very elegant. Perhaps the company itself is stirring up?
In the reviews I read that these lenders act according to the standard scheme: they give out loans to everyone, but they deduct the commission from the amount for some reason, they twist interest at great speed, they do not answer calls and letters. And if a person delays payments - at least in the hope of figuring out why he owes so much - his data is transferred to collectors who start a war.
Now I, a person with two higher educations, do not understand where I should go in order to return this unsolicited loan and not pay frantic interest on it. I communicate with lawyers, prepare a statement to the police, the Bank and the prosecutor's office
Financial Culture Expert:
Perhaps the microcredit company (MCC) sent a loan to Yegor by mistake. Or he really became a victim of fraudsters: an unscrupulous organization issued a loan in his name, in order to then beat out a debt with interest.
And although Bob, as he claims, did not "shine" his passport anywhere, the attackers could buy the database on the black market or take advantage of the information leak.
It is difficult to say who is to blame and what exactly happened, but it is quite clear what needs to be done:
For information on how to file a complaint with the ombudsman, see the article “Financial Ombudsman: Why You Need One and When to Contact Him”.
In parallel, it is worth complaining about the microcredit company to the Bank.
It is also important to check your credit history. If it contains loans that you did not take, you will need to correct this error. How to find information about all debts in your name and how to eliminate inaccuracies can be found in the article "Credit history".
It may turn out that the MCC really violated the law and because of this the Bank of Russia excluded it from the register of microfinance organizations. In this case, in order to challenge the debt, you will have to go to the police and the prosecutor's office, and then to the court.
You can learn more about what to do if the fraudsters put debts on you from the text “They took a loan for my passport. What to do?"
I received this strange transfer of $ 300 on a bank card one evening. I didn't pay attention right away, I had a lot of work. On Sunday, I started checking the transfers and remembered about this mysterious amount. The payment description says that the transfer came from a microcredit company.
In a search engine, I discovered that this is a legal entity that operates through a site under a different name, and earlier the company changed several more brands. I read reviews about this office, everyone there roars and suffers. And in the conditions it is said that the loan is given at 365% per annum.
I immediately wrote in support of my bank, said that some left money had come to my account, and asked to return the transfer to the sender. But I was told that the bank cannot cancel the transfer and you need to contact those who sent it. There are no contacts on the company's website, except for the phone number, which is not available all the time, and email. I wrote a letter there, but so far silence.
The bank's specialist said that, most likely, someone used my data and was able to arrange a loan on the microcredit company's website. But I did not shine my data anywhere, and the money was sent to me. If this is indeed a fraudulent scheme, then it is very elegant. Perhaps the company itself is stirring up?
In the reviews I read that these lenders act according to the standard scheme: they give out loans to everyone, but they deduct the commission from the amount for some reason, they twist interest at great speed, they do not answer calls and letters. And if a person delays payments - at least in the hope of figuring out why he owes so much - his data is transferred to collectors who start a war.
Now I, a person with two higher educations, do not understand where I should go in order to return this unsolicited loan and not pay frantic interest on it. I communicate with lawyers, prepare a statement to the police, the Bank and the prosecutor's office
Financial Culture Expert:
Perhaps the microcredit company (MCC) sent a loan to Yegor by mistake. Or he really became a victim of fraudsters: an unscrupulous organization issued a loan in his name, in order to then beat out a debt with interest.
And although Bob, as he claims, did not "shine" his passport anywhere, the attackers could buy the database on the black market or take advantage of the information leak.
It is difficult to say who is to blame and what exactly happened, but it is quite clear what needs to be done:
- It is necessary to send the unexpected amount back to the microcredit company. It is really impossible to cancel the payment, but you can make a transfer using the details of the organization that sent the money. The bank sees from whom and from what account they came, and on your instructions will send them back. The payment receipt must be kept.
- On the official e-mail address of the MCC, you should write a statement that the loan was issued without consent, demand to cancel the contract and write off the debt. You need to attach a scanned receipt of the payment to the company. It happens that the MCC does not indicate the email address either on its website or in the register of the Bank. In this case, you will have to send the application and a copy of the receipt by regular mail to the address indicated by the company in the register. It is better to send a certified letter with acknowledgment of receipt.
- If within a month there is no response from the MCC, you can contact the financial ombudsman. He handles consumer monetary disputes with financial institutions free of charge before trial. And his decisions have the same force as court orders.
For information on how to file a complaint with the ombudsman, see the article “Financial Ombudsman: Why You Need One and When to Contact Him”.
In parallel, it is worth complaining about the microcredit company to the Bank.
It is also important to check your credit history. If it contains loans that you did not take, you will need to correct this error. How to find information about all debts in your name and how to eliminate inaccuracies can be found in the article "Credit history".
It may turn out that the MCC really violated the law and because of this the Bank of Russia excluded it from the register of microfinance organizations. In this case, in order to challenge the debt, you will have to go to the police and the prosecutor's office, and then to the court.
You can learn more about what to do if the fraudsters put debts on you from the text “They took a loan for my passport. What to do?"
