How credit scammers deceive citizens and bankers

With the development of the banking sector, many schemes of deception have emerged. And for bait scams come across not only citizens by their inexperience, but also financial institutions, staffed by a staff of lawyers. Especially dangerous in this regard are credit scammers, who have been proliferating in the vastness of the fatherland.

We will make an overview of the most typical machinations, which can lead to loss of money.

How Credit Scammers Deceive Banks

High competition among bankers created a situation that in the pursuit of an extra borrower, credit institutions weakened their vigilance. This immediately took advantage of impure dealers. However, they do not shine a special variety in the choice of methods of deception, using the following schemes:

1. Receiving money or goods on forged documents. It is considered the most criminal way, as it is necessary to forge a passport, pasting your photo into the place of the previous one. Sometimes the photo does not get stuck, but the appearance adjusts to the existing image.

2. Making a lot of loans in various institutions. At the same time, credit scammers take money in small batches, and everywhere they indicate non-existent coordinates in questionnaires. As a rule, the place of registration is also conditional.

3. Use for the loan of a bank employee. Here, unlike the previous method, large sums are taken. Most often, swindlers manage to escape or get rid of conditional terms, and employees of credit institutions convicted of a fraud answer all the strictness of the law.

How credit scammers deceive citizens

Here, scammers have a somewhat wider arsenal of funds. We will arrange the methods as the danger increases:

1. Fraud with loans through fictitious consultation is the lowest cost method. A citizen with a damaged credit history is promised to sell inexpensive information about banks, without problems issuing loans to prosecuted borrowers. He buys it out, and then finds out that he could get them for free on the Internet.

2. Fictitious guarantors. Scammers offer borrowers guarantors from the side, which, naturally, need to pay a reward. After registration, it is revealed that they are listed in some database of disadvantaged persons. The loan agreement is canceled, the money is returned to the bank, the commission remains in the hands of fraudsters.

3. Use of the goods to receive funds. In this case, a commodity loan is issued to the borrower in the store. After that, half the cost of the product is given to him. At the same time, it is stated that it is necessary, but the bank will not qualify for the second half. It is clear that after a while you have to give everything, and even with considerable interest.

4. Well, finally, the most common credit fraud is the receipt of credit by outsiders according to the borrower's documents. There are two possible variants of the development of events.

First - the passport is lost. In this case, from the troubles will save a simple appeal to the police with a statement about his loss. The main thing is to do it as quickly as possible. Then for the carelessness of the staff will have to answer materially to the bank itself.

The second - the borrower's passport is taken by credit fraudsters allegedly for the drafting of an agreement. For the time that the document will be in the hands of swindlers, a loan can be drawn up and money taken. The client will be announced that he does not pass on some indicators. In a month, when the first notifications begin to arrive, the attackers are already gone.

On the last two counts there is one proven means - legal action. As soon as bank claims exceed a certain degree, documents should be prepared and written to the court. Negotiations with a credit institution are a waste of time and nerves.