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Lending to individuals is growing faster than the corporate borrowing market. In April, the volume of money issued to Russians for personal needs increased by 3.8 percent compared to 2.4 in the field of lending to non-financial organizations and exceeded six trillion rubles. It is not surprising that such amounts attract all kinds of crooks who want to grab at least part of such a tidbit. How often do banks face retail lending fraud? What debt schemes attract the most attention of scammers?
A Bigness correspondent addressed these questions to several of the largest Russian financial institutions that are leading in the consumer lending market – Sberbank, VTB24, Home Credit … But everywhere he was either at a loss or refused to provide data on this issue. Or, as in Raiffeisen Bank, they stated that there were no cases of fraud in their practice, as the bank’s experts meticulously check all the documents provided by the borrowers.
Bankers’ secrecy is easy to understand. Fraud for any type of loan is a painful topic for bank employees. However, this secrecy indicates the urgency of the problem. Another confirmation of this is the adorning website of Home Credit Bank for calls to borrowers to be vigilant about possible scams. Continue reading
Do you want, as the grandfather of the heroine of one joke, “so that there are no poor”? Take away their money. In particular, cash – coins and pieces of paper. It is the despicable metal, which is in the hands of low-income citizens, and is their worst enemy. On the one hand, it is difficult to consider money as a problem if you can afford to heat a fireplace with them, for example.
Sometimes it seems that all we lack for complete happiness is a certain amount of multi-colored pieces of paper with watermarks. Saying yes to money, you say no to poverty – everything seems to be logical. A bundle of notes in a box with socks is seen only as a guarantee of a comfortable life and carefree old age.
The irony is that most people who love cash and get used to it, do not deny themselves the pleasure of using electronic money. Even those who are demented as credit cards are still buying magnetic cards to travel by public transport, use discount cards when shopping, have a bank account and try to pay for utility bills through terminals so as not to lose time in queues. Of course, it’s difficult to do without cash at all – you never know, you will need to leave a waiter for tea or buy a bottle of water in a stall. But, by and large, the better you feel financially, the less you need cash and the easier it is to avoid having to use it. Continue reading
“To sell something unnecessary, you need to buy something unnecessary,” the hero of the legendary Soviet cartoon used to say. Auctions on the Internet have become an excellent platform for trading strange goods, buyers for which it would be impossible to find without the World Wide Web. We give examples of the most unusual purchases “under the hammer” in the history of auctions.
One of the strangest lots recently left the popular eBay auction. A woman from Iowa purchased a piece of fried chicken, in the structure of which, with the imagination and sufficient practice in examining Rorschach’s spots, one can see the profile of American President Washington. On this perishable “artifact” there was a buyer who did not regret 8.1 thousand US dollars for a nugget. The fried chicken has been kept by the lady since 2009.
But the real record, 28 thousand dollars, was achieved during the bidding for a rotten bitten cheese sandwich, on which you can allegedly see the image of the Virgin Mary. The sandwich was 10 years old at the time of the sale, but it was destined to be almost eternal: GoldenPalace.com, the company that bought the rot, said that the price of moldy organics would rise. After some time, another seller tried to test the demand for food architecture, but the chip in the shape of a seahorse did not cause much excitement. Continue reading