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The INSS creates a rule to put an end to fraud against retirees and pensioners. Organ issued normative instructions authorizing the granting of a deductible credit for payroll only after the sixth month of retirement. Previously, banks and financiers had come into contact to sell loans even before the official announcement of retirement. Incessant links, called active marketing, are also prohibited.
By Talis Mauricio
Professor Alice from Fátima Neto has always dreamed of a comfortable retirement. But, like millions of Brazilians, the first contact with the new reality has been achieved thanks to the many connections of banks and financiers offering loans: this type of credit recorded.
"I have received dozens of phone calls, several times a day and the same company … several days in a row.And then they offer me a payday loan, they say that I already have a value available.It was a harbadment, well, really annoying. "
Payday loans for retirees and retirees are interesting because the interest rate does not exceed 2% per month. On the other hand, down payments are directly deducted from customer payments, generating a zero default risk for creditors.
"One of the companies said that the INSS disclosed to the institutions the list of those who had received the money."
The problem is that the data of retirees and retirees are drawn and often used for the practice of scams.
To put an end to a problem that has existed for decades, the National Institute of Social Security, INSS, issued a normative instruction authorizing only payday loans from banks and financial institutions after the sixth month of retirement. If the client has an interest, he can apply after 90 days. The same rule prohibits calls to mobile phones and homes, so-called active marketing.
The INSS thus intends to strengthen the control of this type of credit and thus put an end to fraud and harbadment. The problem was so unmanageable that the offers were faster than the official announcement of the retreat, as the retired actor Pascoal da Conceicao says:
"At least a week before receiving much money, calls for bids to offer money.The guy knew how much I would earn in retirement and I did not know it! And then, a week later I received a letter from the INSS saying that my retirement age was gone.And I still get at least ten calls a day from Itaú, Santander and Bradesco. "
Adriane Bramante, president of the IBDP, Brazilian Institute of Social Security Law, says the practice of sharing personal information about retirees and pensioners is illegal.
"The person went there before, changed the profit, received the profit and it was not a small value.It was a high value, over a hundred thousand reais .. and the bank has paid.Therefore, harbadment is not only a matter of payday loan, but also to have access to the person's data, such as RG, CPF, date of birth, name of father, mother , making false documents and receiving in the name of the insured.The life of the insured is vulnerable when he files a benefit in the social security system, "said the president of the company. 39; IBDP.
The new rules of the INSS were published at the end of December and begin to apply from April this year. The institution that violates the standard may suspend the contract and be banned from using payday loans.
The CBN report asked INSS how companies obtained beneficiary data without obtaining an answer. The body recommends that complaints be filed with the Office of the Social Security Ombudsman via the Internet or by telephone. 135.
Febraban, the Brazilian Federation of Banks, stated that companies acted in accordance with the law and guaranteed the confidentiality of their customers' data. And that in case of fraud, institutions collaborate with police authorities and consumer protection agencies. CBN Source
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