To combat “black creditors” have already proven their effectiveness?
— We have two main tools. We use early stage fraud detection. We all that isn’t an automatic result of implementing big data solutions publish a list of such companies and thus warn citizens. If a “black lender” operates on the Internet, we block its website.
Another tool is criminal prosecution for illegal
issuance of consumer loans. Last year, an article “Illegal implementation of activities related to the provision of consumer loans (credits)” was introduced into the Criminal Code. The maximum penalty under it is up to three years of imprisonment.
— Give advice to Russians: what exactly should they pay attention to now in order to avoid becoming a victim of a “black lender”?
To understand whether the lender is legal
or not, you need to check the company on the Central Bank website. In the register of pawnshops, microfinance organizations, consumer credit cooperatives, and the list of credit organizations. Only what each person writes. they have the right to provide consumer loans and credits on an ongoing basis. Remember that individual entrepreneurs and individuals do not have the right to issue consumer loans.
— Why do people still fall for the bait of these violators?
— Because they mislead citizens by offering supposedly good america email conditions. They have a lot of advertising: from announcements at bus stops to online.