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New frauds occur with fast loans. Businesses encourage consumers to pay for additional services and double loans. The Christmas peak of fast loans is approaching, announced NOVA.
Once the state has capped the annual percentage billing rate to circumvent this legal requirement, companies apply various schemes. Latest news: An attractive package of services is offered to customers, which would greatly facilitate the return of the loan. The cost of extras, so-called, extras, is however rarely advertised.
There are often guarantor fees as well as fees to express the loan.
A spike in quick credit withdrawals is expected in the two weeks before Christmas. Basically, small amounts – between 200 and 500 leva, who never fail to have gifts, a party and more for a trip.
"I needed money to help a person, I downloaded 1500 leva, paid 10,721 leva," says an anonymous injured actor, whom we will call Kamen.
In this trap, this man falls after being forced to sign a draft contract to go to the headquarters of the company. However, many fields were empty.
"The contract contained real non-contractual clauses: much higher interest rates, much higher credit conditions," said lawyer Desislava Filipova.
"I just won, I did not know enough writing in this area and I did not think there could be such a job," said Kamen.
Once the empty fields of the contract have been completed, it means he has to repay $ 5364 – with interest and fees. The real problem starts however after the late payment.
"I have not been able to pay 3-4 down payments and credit has become anticipated," he said.
He is misled to sign an agreement that was not presented to him.
"They have just concluded the agreement and they say," You sign be arbitrary. "You do not move, you pay, otherwise, to a court, a judge," recalls Kamen.
After financial difficulties, Kamen continues to make contributions. Until they reach 10,721 leva and become unbearable for his pocket. Then the battle with the company starts again. This time in court.
The court's decision is still pending. Lawyer Desislava Filipova constantly accompanies clients with such signals. The cost of extras, so-called, extras, is however rarely advertised.
Credit experts present them as a very profitable type of insurance in their favor. These "services" are fully paid, which gives rise to a new agreement. And the person can not use either of these services.
According to Filipova's lawyer – Companies have squeezed users with additional fees. As a guarantor, they had to pay if they did not provide a guarantor. However, the requirements of guarantors are often excessive and, in practice, fees become mandatory.
"Exploring the credit application is also more expensive and can go up to hundreds of percent of the year.We do not see it because the amount is usually small, but sometimes it is more important," explained Stoyne Vbadilev, financial consultant.
"You see" fast "fees," guarantors "- you have to be vigilant and ask questions about their size, which is a significant expense – very often, these costs are understood by consumers at a later stage," explains financial badyst Desislava Nikolova, "My money".
Accelerated credit records do not end quickly in court. But they are often good for consumers.
In order not to fall into the traps of fast loans – We need to look carefully at the traders we want to borrow. All credit conditions must be in the standard European form. By law – no small print. Experts advise:
"To trust only the well-known names, check on the NBB's website if it is part of the list of nonbank financial institutions, not people who call us on the phone," says Vbadilev.
Particularly cautious, we must be in the days leading up to Christmas, when the need for fast money increases. We review the offers on the Internet. Traders attract us with attractive ads with promises of lighter terms and fast cash against low interest rates.
Major bankers – will interest rates rise, is there a crisis?
"There can be exactly such businesses, which are created around the holidays, then they are not heard by anyone. Promotional terms are available – like gifts – phones, televisions, excursions – it's a red light – no free meals, "said Peyo Major of the Consumer Protection Association.
According to the statistics, each of us will spend on average 330 leva for gifts – for our 8 to 9 closest people. We will mainly buy clothes, shoes, cosmetics, smartphones and tablets, as well as books, music and movies.
Nikolay Tsvetanov, of the responsible non-bank lending badociation, explained that consumers should address CPC and badert their rights.
"All fees must be included in the standard European form and mandatory for any application, however, when we want to use additional services that are not included in the service – for example, for express electronic tolling – now – immediately – immediately, the counterparty must invest additional resources to guarantee access to this service and then charge new fees.To be legal, they are not included in the service, that is to say it is to say "glezzo", what you want – not necessarily To use the credit itself, it is important to see what the standard service is and what improves it.Businesses with good business practices explain these things These packages can not cost huge sums, "Tsvetanov said.
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Editor:
Violeta Rusenova
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