In connection with non-bank loans, there are often many situations where people who have already been in a difficult financial situation have encountered various fraudsters, which has worsened their difficulties several times. Fraudulent loans take a wide variety of forms, but most often they take place over the telephone. Interested parties contact the company through a special telephone line, where a minute of talk comes out even to ninety crowns. The operators then deliberately extend the calls, pulling out several thousand from each caller. How to avoid such fraudsters?
1. Do you pay a lump sum? Beware!
The prepaid card on your phone is a very handy helper in case of fraudulent loans. You have a prepaid credit, so you can never overdraw it. When you get to zero, the ongoing call is interrupted and your services will be limited until you recharge the credit. However, you don’t have a safety net anymore for fixed-line and mobile phones with a monthly flat rate, so you can learn about fraud when you get a few thousand bills after a few.
2. Select only proven providers
Are you saying that you can’t go wrong with a small loan before payday? If you do not check your provider well, you might have to pay for it. You can only be sure that everything goes well if you hold on to well-known credit companies. Although banks are primarily in this category, there are a number of non-bank companies where you can rely on a solid and fair deal. You can do it best if you find out all the necessary information in advance and then start responding to some offers.
3. Settle loans personally or over the Internet
Fraudulent loans over the phone can be easily and reliably avoided by calling anywhere. Today, every solid lender has a website where potential buyers can find all the important information. In this way, you can easily find out whether a company is trustworthy or not, so you can go online or request a personal appointment, both at the nearest branch and in your home.
4. Verify that phone number in advance
Even if you belong to the old school and still prefer to communicate over the Internet over the Internet, use it at least to check the phone number of the selected company in advance. Just open Google or another internet search engine and type the whole number into it. Among the first search results you will surely find reviews of people who have tried to call him in the past, so you can easily find out if the number is safe or a scam.
5. Ignore ads where only the phone is listed
Have you found an ad in an online discussion or newspaper that offers a quick interest-rate loan, but only the name and phone number? So forget about him! As mentioned in the third point, every reliable lender should have its own website where email, business address, identification number and other basic information about the company are also included in the contact details.
6. Use loan graders
Another reliable way to find a convenient loan and to successfully avoid fraudsters is to use online comparators. They combine information on most bank and non-bank loans available in the Czech Republic, which will then rank them clearly according to the interest rate or APR, thus saving not only money but also a lot of time in the finals. One of these portals is Letakomat.cz/finance , where you can use this service for free.