Nowadays, credit is one of the most affordable ways to buy what you wanted to buy right now without savings. An American consumption system is increasingly leaking into our society, that is, life on loan is becoming the norm.
But the loan is not given to everyone. For example, if a person has a bad credit history or does not have a permanent official job, then the credit institution is most likely to refuse.
In such cases, they turn to credit brokers, intermediaries who specialize in assistance in obtaining loans. Such services are divided into “black” and “white”. They differ only in the legality of methods for achieving results. In this article we will understand who such “black brokers” are.
How to understand that a credit broker is black?
A fraudster can be identified by a number of signs:
- Each service needs to be paid: a loan received or just a consultation. And their cost is by no means cheap. A consultation can cost 200-500 rubles, and the loan itself will decrease by about 35%. The price is clearly overpriced.
- The methods that are used are illegal. For example, a fraudster will issue a certificate of non-existent work, confirm the fact of work if the bank calls or even fakes a work book. To receive such funds is fraught with consequences.
- Recruits bank employees. The “black” broker, who reports that everything is the way and he has his own people in the bank, clearly does not belong to whites.
- The work is anonymous. Very often, meetings with a fraudster take place outside the office (on the street, in a cafe, etc.), and he can also communicate from different phones.
The intermediary services were paid, but the client did not receive a loan
One of the most common schemes of scammers is dusting the brains of the client with folding and beautiful conversations that the work will be done in the best way, that he has his own people in the bank, that he is absolutely confident in the success of the enterprise and will not even ask the client for an advance payment. He fills out an application, sends it to the bank, and both diverge, waiting for a response. And after some time, the broker calls the client and informs in a happy voice about the approval of the loan. He gathers and hurries to a meeting with a fraudster, this time to pay for the services provided and get the address of the bank in which he is supposedly waiting. And when a client says goodbye to “black” brokers, he will be very surprised when he comes to the bank that no one knows anything about him and moreover he did not approve of any loan. The client is likely to return to the fraudster’s office, unless, of course, he had one with him, but sees a completely different person there. Nothing will prove either, since the person had nothing but an address and the fraudster disappeared.
A negative consequence may be the principle of "advance payment - forward, and only then - a loan." Such a scheme is used by scammers who report that first you need to make a down payment to confirm the solvency of the borrower. However, after the loan is approved, the client does not receive the installment back, because he is already in the loan, but, in addition, must pay the intermediary his efforts. It turns out that the client pays for the services of a “black” broker twice. And even if the loan is not approved by the bank, the client will not receive money back and will no longer see the scammer.
Brokerage services were paid, money received, but the price is very high
Luckier citizens still get their credit, but at the same time they pay a fairly large part of it to the intermediary. Typically, the broker asks for 20-35% for the provision of services, respectively, to obtain a loan in the amount of 100,000 rubles, it is necessary:
- Payment consultation - 500 p.
- Payment of services for issuing a loan (fake workplace, certificates, approval of "their" people) - 10 000 p.
- Give 30% - 30 000 rub from the loan.
Help is expensive, but the bank will need to return the entire amount and a loan interest from 16 to 25% still on top. If the client has the opportunity to pay, then the bank will approve the loan, without any intermediaries, but if he does not have a work book, he has got several loans and the creditor’s solvency does not suit him, maybe he doesn’t need additional obligations? There is a blacklist of credit brokers. More on this later.
Paid the services of a broker, but earned a criminal record instead of money
The case when fictitious documents are submitted to the bank, but the security service at the bank receives information from its sources about the falsification of documents, that a person not only does not work in that company, but it itself does not exist in principle. This is a violation of the law, for which the client will be responsible.
Denied a loan, but still have to pay
There are many similar stories. For example, if the borrower fills out several forms at once by hand, if he gives copies of the documents to scammers who send applications to several banks at once to increase the likelihood of approving the loan. A loan can be approved immediately by all the banks where the papers were sent, and the client will sign all the agreements with the thought that he is signing only one of them. Then a person will receive 70% of one loan, since he gave 30% of it to the broker for help, and he will pay for several loans issued in his name. This is how black loan brokers often work.
Another common fraud scheme: filling out an application with a broker in the office, then notifying the client about the approval of the loan and the need for an urgent visit to the bank to sign an agreement, which the assistant will take to the bank. But after a certain time, the broker calls back again and informs in a sympathetic voice about the change in the bank's decision. The client may even get a refusal agreement. And the upset borrower leaves empty-handed. However, all the same, he will have to pay under the loan agreement that he signed, even if he did not receive the money, and the scammers received it. Black brokers specialize in this. Helping to get money in this way, as you can see, is really very expensive in every sense.
There are a lot of such cases, since only 30-40% of clients contact the bank directly, the remaining 60% work through intermediaries. After all, getting a loan in an illegal manner with a bad credit history is much easier. But before contacting the intermediary, you should study the list of black brokers and reviews about them.
Conclusion
Nowadays, banks are very attentive to the study of customers. This means that they carefully check the documents and, if fakes are detected, they can be held criminally liable, which the borrower will bear.