— It is difficult to single out any new techniques. Fraudsters operate essential tools for the work according to old schemes, modifying them to suit the current situation.
— What other dangers are there in illegal lending?
— When interacting with an illegal creditor, a person does not receive a statement on the loan repayment. This means that the “black creditor” can start collecting the debt again even after it has been paid, and contact collectors. Often, illegals demand various commissions — for example, for issuing a loan.
“Black creditors” can change the terms of the loan literally before signing 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 what advantages does branding provide? fraudsters foreclose on the borrower’s property – an apartment, a car.
— And the person ends up on the street if the apartment was mortgaged?
Without means of subsistence
— You stated in August 2020 that the Bank of Russia america email 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?