Monthly Archives: March 2020

Scams loan between particular email and Facebook

Before addressing this subject, it seems essential to us to make an adjustment. In France, credit is framed by rigorous legislation. Banks and companies specializing in personal lending respect the vast majority of them.

It happens of course that one of these organizations sometimes makes an error or an irregularity (voluntary or not …). But that’s pretty rare, for a simple reason,

  • Individuals, when in doubt, often use consumer protection associations and they are lapped in this type of problem, which they generally resolve fairly quickly.
  • Banks and credit agencies know full well that negative publicity around such a problem would hurt them more than it would bring them back.

In fact, credit scams are made by individuals 


Not having a presence on the street, they mainly operate on the internet, especially on social networks. Many times they try to phish their future victims through fake testimonials of the style:

“I want to thank Mrs. So-and-so who gave me an unsecured loan of 5000 dollars at 1% interest. You too can get help from this person by contacting him on his mail.

Also note that on our site (credit notice), the moderator very regularly removes messages of this type in the comments of Internet users, at the rate of one or two per week. Some are afraid of nothing! Like this person who left us a comment dated last week:

  • A testimony of a benefactor who granted a loan of 20,000 dollars to a person banned banking and based on mutual trust, credit obtained in one week and citing a passage of the Gospel according to St. Luke!

Sites exist to list these scams, it prevents it from happening again!


What you need to know about these scams to avoid being trapped :

  1.  The vast majority of them originated in a foreign country, indeed a scammer who raged from France would take enormous risks.
  2. Most of these scams come from West Africa.
  3. Very often their texts are enameled of misspellings.
  4. An unsecured credit, it does not exist! And who can believe that someone can lend money without knowing the resources and the expenses of the borrower?

Above all, never pay a cent. Indeed these scams are all based on the same principle, a very attractive credit offer that will be paid as soon as the file fees have been paid. As much to say to you that if you pour these “expenses of file” you will have more news of this benefactor of humanity!

What does the law say?

  • Article L321-2 of the Consumer Code stipulates: No payment of any kind whatsoever may be required of an individual before obtaining one or more loans of money.
  • Article L 322-3 provides for a fine of 150,000 dollars for advertisers who have broadcast or disseminated such non-compliant advertising.

Opinion of our expert in loan and repurchase of credit Noted on: 2016-12-20 Loan or repurchase noted Scams to credit file fees.

Money does not give happiness but is needed – free loan

We often hear the saying that “money does not bring happiness” and is not the most important thing in the world. Maybe this is true, there are other, much more important things that we should especially appreciate every day. In your life, health is certainly the most valuable for every human being, when it is lacking, no other things are important anymore. Also, interpersonal relationships are an extremely important point, because when they are correct, they positively affect other factors that appear every day.

We can now go to money, which is something everyone dreams about, i.e. they seem to be dreaming, because as we have mentioned – often in the lives of many people there is a reevaluation and money goes to a much further position on the list of the most important things. However, it is worth mentioning here that they still play a very important role. Thanks to cash, we can ensure existence and life at the appropriate level. We can afford the payment of bills, buying an apartment or a car. In addition, we invest in leisure and recreation, e.g. going on vacation with family. So if at home or wallet there is no shortage of cash, you can say that life is simply easier. Not necessarily happier, because here you can conduct many polemics, but certainly many things are simpler.


A recipe for quick money lending – free loan

A recipe for quick money lending - free loan

In a situation where we need cash and our wallet is empty, many Poles go to the bank for a cash loan. An increasing number of people use online loans to get an online loan. The latter seems to be a simpler and faster option to borrow money. And so it happens in most cases. Why? When applying for a loan, it takes us about 10 minutes to complete the application. Then verification, which takes place almost instantly, when it is positive, the money is transferred very quickly to our bank account. In the case of banks, the application may take a little longer – maybe not much – but usually banks collect more information. In addition, the verification itself – i.e. the granting of a credit decision is a little more time-consuming. In addition, it is said that in the case of loan companies, an online loan can be offered even to those in debt – so-called loans for those in debt.


The selection of offers is huge

The selection of offers is huge

In addition, as we mentioned – you can submit an application online. This makes the whole process very fast and simple. We recommend using free loans, i.e. loans where you do not incur any additional costs. Such offers are marked with an APRC equal to 0%. Thanks to this, when you pay your liabilities on time, you lose nothing, i.e. you will not be charged any additional commissions or fees. It’s easy and most importantly cheap!

Such promotions usually offer online payday loans, which are new – in this way they want to attract new customers to their company. It’s worth choosing them, because there is simply no point in overpaying.