Father
Professional
- Messages
- 2,602
- Reaction score
- 798
- Points
- 113
Anna:
They called from a bank unknown to me and said that a loan of $ 5000 had been approved. But there is no branch of this bank in our city, so the money will have to be received by transfer through another bank, and you need to pay $ 100 for the transfer.
I translated them with a fool, and then they allegedly called from the security service and said that the Bank had blocked the transfer. To unblock it, you need to pay for insurance - $ 250. At this point I was already on my guard and refused. The bank threatened that if I didn’t pay for this insurance, they would go to court, because they allegedly had already sent these $ 5000 (the amount of the loan). And now they are hanging on me.
I don’t understand what should I do now? Just not answering calls? Are they scammers? And no courier will come to me, even if I transfer $ 250?
Financial Culture Expert:
This is a typical example of a fraudulent scheme of false bankers. The attackers identified themselves as employees of a fictitious bank, invented the legend about the approved loan, and used psychological tricks to lure as much money out of Irina as possible.
Against the background of the "approved" loan, the prepayment might not seem so significant. And if a person deposits this money, then the scammers understand that he has taken their bait, and begin to lure out large sums. Faced with a refusal, they begin to intimidate the victim. In doing so, they refer to well-known organizations to further confuse the borrower.
Asking for a prepayment for a loan is a clear sign of fraud. Legal financial institutions do not require the borrower to pay in advance or to approve a loan or loan.
In addition, the bank cannot force you to buy insurance for a loan. But without insurance, the loan rate may be higher. When applying for a loan with insurance, you have the right to independently choose a suitable insurance company from several organizations accredited by the bank - their list should be posted on the bank's website. At the same time, it is the life and health of the borrower that is insured. There is no “credit amount to unblock the transfer” insurance as in this fraudulent scheme.
How not to fall for the tricks of deceivers?
For more information on how black lenders lure customers, read the text "False Banks: How to Avoid the Fraud Trap".
They called from a bank unknown to me and said that a loan of $ 5000 had been approved. But there is no branch of this bank in our city, so the money will have to be received by transfer through another bank, and you need to pay $ 100 for the transfer.
I translated them with a fool, and then they allegedly called from the security service and said that the Bank had blocked the transfer. To unblock it, you need to pay for insurance - $ 250. At this point I was already on my guard and refused. The bank threatened that if I didn’t pay for this insurance, they would go to court, because they allegedly had already sent these $ 5000 (the amount of the loan). And now they are hanging on me.
I don’t understand what should I do now? Just not answering calls? Are they scammers? And no courier will come to me, even if I transfer $ 250?
Financial Culture Expert:
This is a typical example of a fraudulent scheme of false bankers. The attackers identified themselves as employees of a fictitious bank, invented the legend about the approved loan, and used psychological tricks to lure as much money out of Irina as possible.
Against the background of the "approved" loan, the prepayment might not seem so significant. And if a person deposits this money, then the scammers understand that he has taken their bait, and begin to lure out large sums. Faced with a refusal, they begin to intimidate the victim. In doing so, they refer to well-known organizations to further confuse the borrower.
Asking for a prepayment for a loan is a clear sign of fraud. Legal financial institutions do not require the borrower to pay in advance or to approve a loan or loan.
In addition, the bank cannot force you to buy insurance for a loan. But without insurance, the loan rate may be higher. When applying for a loan with insurance, you have the right to independently choose a suitable insurance company from several organizations accredited by the bank - their list should be posted on the bank's website. At the same time, it is the life and health of the borrower that is insured. There is no “credit amount to unblock the transfer” insurance as in this fraudulent scheme.
How not to fall for the tricks of deceivers?
- Recheck the caller. If they call you from an unfamiliar bank and make a tempting offer, first of all check if the organization has a license from the Bank of Russia. If not, they are definitely scammers. If so, find its phone number in the regulator's reference book or on the official website of the bank itself. Dial this number and clarify the situation - whether the loan is really approved for you.
- Don't make financial decisions in a hurry. Fraudsters specifically rush you to prevent you from analyzing the situation. Even if you are dealing with employees of a real bank or other financial institution, do not rush to agree to their terms. Take a break, carefully study the offer before signing a contract or paying anything.
For more information on how black lenders lure customers, read the text "False Banks: How to Avoid the Fraud Trap".
