Payday loan after six months of retirement at the INSS in 2019

Loan granted after six months of retirement to the INSS in 2019. When the telephone number of the pensioner Maria de Fátima Lima, aged 63, the family already suspects: it must act d & # 39; A deductible loan on the payroll. She, who has never taken out a loan, receives ten calls a day from banks and financial services. "I have repeatedly asked to be removed from the list of telemarketing services.The last time the clerk said that I should take credit, even without being in debt or sick, because you never know tomorrow I was so disgusted that I told him to go exploiting someone else. "

In this market, consumer harbadment is very common. In many cases, retirees begin to receive phone calls, text messages and correspondence even before the INSS informs that the retirement has been approved.

It is precisely because it is a low risk loan option that the product supply is plentiful, often uncomfortable at home. . However, starting this year, banks, financial institutions and correspondents who offer deductible payday loans to retirees will have to wait six months after receiving the benefit of the sale of the service. December a normative instruction determining that companies can only offer credit within six months if the insured goes personally to the bank where he has an account to request the release. Nevertheless, the consumer must wait at least 90 days after receiving the first profit to constitute a payroll.

The new rules were published in December, but begin to be valid 90 days later. The institution that does not comply with the standard will be notified and the contract may be terminated.

For the Brazilian Institute of Social Security Law (IBDP), it is an old problem that the INSS is trying to solve. The president of the organization, Adriane Bramante, pointed out that many policyholders, for lack of information, accepted the contract without knowing that it was a loan.

The director of the Brazilian Association of Banks (ABBC), Alex Sander Gonçalves, that the six-month period before the start of the payroll offer may be bad for the consumer. "The client often waits for retirement to get a cheaper credit."

The delay in the recovery of the economy and the rare credit have exploded the search for this type of operation. Between January and November of last year, the volume of payroll allocated to the INSS was 18.6% higher than that of the same period of 2017. For pensioners and pensioners, interest does not exceed 2 , 08% per month, or 28.02%

In order to get an idea of ​​the attractiveness of the payroll, among the main free lines of credit for individuals, the overdraft was 305.7% per year in November.

Fraud

According to expert evaluation, the six-month grace period for businesses to start paying wages can also help reduce the number of fraudsters because newcomers are often easier targets of gangs. Between the beginning of 2016 and the first half of last year, the INSS mediator received 97,000 recorded claims.

Retired Aloisio Medeiros, 65, was one of the victims. He falsified the documents by a man who tried to take out a loan on his behalf. "My luck is that the director of the bank was suspicious, so far I do not know how all my data were collected."

A report published by O Estado de S. Paulo two years ago showed that There is a parallel market for the sale of spreadsheets containing personal information – such as CPF, telephone, etc. benefit ratio and reason for retirement.

Gonçalves, ABBC, says companies should not use databases to contact retirees

Febraban, who represents the largest banks, said companies were striving to 39, ensure the confidentiality of the data. "In case of fraud, we collaborate with the police and Procons authorities to prevent any irregularities."

Social Security in turn informs on its website that it receives telephone complaints 135 and that it does not provide third parties with the personal data of the insured. The INSS also recalls that the retiree can, at any time, block the benefit so that no loan is granted on his behalf. Just go to a social security agency and ask for the service. The information is from the newspaper The State of S. Paulo.

Douglas Gavras
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