Black creditors” can change the terms of the loan literally before signing add perks: offer bonus featur the contract – do it in such a way that the person does not notice the changes. For example, set the loan repayment period in one day. You have just signed the contract, and the next day you must return the entire loan amount. If there was collateral, it is taken away. Sometimes “black creditors” can even offer money on rather modest terms. But they draw up the contract in such a way that it is impossible to repay the debt on time, and then the fraudsters foreclose on the borrower’s property – an apartment, a car.
Without means of subsistence
You stated in August 2020 that the Bank of Russia expects the number of illegal lenders to grow in the next year and a half amid the economic recovery from the coronavirus pandemic. Has this forecast come true?
In 2020, we identified 1,549 companies that were engaged in illegal activities. Of these, 53%, or 821 organizations, issued loans illegally. These are the “black lenders.” In 2021, 948 such organizations acas head of collective dispute resolution were identified. So our forecasts regarding the growth in the number of “black lenders” were confirmed.
The same time, we managed to partially contain
Process, including due to the fact that we initially focused on identifying such illegals and stopping them. For example, we immediately and specifically monitor what happens to organizations excluded from the america email registers of the Bank of Russia. It is no secret that sometimes, using their previous status, they continue to operate. But illegally.