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No interest, a loan to people without official income and with a damaged credit history. The following offers are available to non-bank lenders to fund automatic purchase. The penalty for these unfair commercial practices has been suspended in the last month by the second company. The Consumer Rights Protection Center (CRC) reports that if the situation does not change, any of them may lose the license.
Leasing providers located ideally in the race between the rafts of car. Borrowing contracts of more than one thousand euros can be concluded in narrow wagons. The law states that if the lease amount exceeds 1400 euros, it must be the first installment, but the ads offer a deposit of zero. "Despite the strict requirements of the law applied when drafting a car rental contract, there is no shortage of advertising for violation," says Sanita Gertmane, spokesperson for the CRPC [19659003]. "For example, this ad offers to buy a Volvo XC70 of the occasion.Its selling price is greater than 8000 euros.This means that, in principle, the buyer would need. at least a premium of at least 800 euros in the first installment.It is true that car salesmen offer to rent with a zero percentage, in addition to offering a special solvency approach "by Gertmane [19659004] "LīzingsJums.lv", which provides a loan for the purchase of this vehicle, is ready to be granted to people without official income. For lucky borrowers in addition to the promised MTPL policy or a gift card for 100 euros.
This is just one of the following offers. The Consumer Rights Center badesses the activity of "LizingsJums" as unfair commercial practices, applying a fine of 3,000 euros. "This company has not eliminated the violations.The penalty has not been paid.We also have no information that it would be challenged in any way or any way. another, "according to Gertmane.
The representatives of "LīzingsTies", the commercial, did not comment on Latvian television under the pretext of being occupied. The Latvian Alternative Financial Services Association emphasizes that even stricter requirements for the badessment of customer creditworthiness are not required. "We collect information on how much the loan is refused.For more than 60% of new clients, the loan is refused.If there was cooperation with the lender, this represents more than 25%, which makes that the number of refusals of the parties is high, "said Gints Āboliņš, the president of the Latvian Alternative Financial Services Association
. Earlier this month, Mogo was also sentenced to 92,000 euros for insufficient solvency on the part of clients.
"The conclusion was that almost all creditors had problems, four had significant problems. [..] No one lost the license, but these are serious violations and if they continue, we will decide, "says Gertmane
Meanwhile, the Latvian Creditors Association points out that most non-bank customers have bad credit history. Granting loans are often also responsible for their recovery. "I think they have no interest in checking it out because there is a lot of money, big profits, and even no money. 39, interest to know what is the profit, "says Jānis Āboliņš, chairman of the board of directors of the Latvian Borrowers Association
.Waits new restrictions – Saeima deputies see changes to the law on consumer protection It is planned to limit both interest rates on loans and impose even stricter requirements for the badessment of solvency.
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