Credit treat for scams
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.
This warning is especially relevant for express loans, because they are drawn up with the minimum number of documents in an extremely limited time, so making sure the accuracy of the information contained in them can be quite problematic. To obtain a loan, attackers use fake documents for themselves and acquaintances. In this way, for example, a group of swindlers discovered in early May in the Adyghe capital Maykop lured six million rubles from various credit organizations.
But this is only one option. Sometimes dishonest borrowers use the real documents of their friends who are asked to act as guarantors. And, of course, disappear after receiving the money. In this manner, two residents of Mordovia cheated on almost two dozen people. They turned to their friends with a request to borrow money, or to issue loans for them. For greater persuasiveness, they said that they were going to invest in a profitable business and even promised their trusting victims a share in the business. Thus, the Mordovians fooled fellow countrymen for 16 million rubles. And in Yekaterinburg, a cunning “businessman” gained 75 million loans in a similar manner.
There are cases when fraudsters use asocial citizens — drug addicts, alcoholics, homeless people or simply unemployed — to commit misery ducks to commit a crime. Just the other day, five of these “catchers” were covered in Kursk. The crooks beat their unconscious accomplices to take loans for the purchase of expensive equipment or mobile phones. And in order for bank employees to believe in the integrity of their intentions, fraudsters supplied their “messengers” with fake documents about their place of work and income.
“The goods purchased on credit came true, and the funds received were distributed among all members of the group. To avert suspicions, members of the group paid an initial installment on loans and made one or two payments. Then the banks stopped receiving money and legally began to demand repayments from borrowers debt, “the Ministry of Internal Affairs of the Kursk region said in a statement. The revenue of the five followers of Ostap Bender amounted to one million per brother.
Very often, the success of such frauds is based on the inexperience or carelessness of bank employees who issue loans. Such an incident occurred in Kansk, Krasnoyarsk Territory, when an attacker took advantage of the resemblance to a photograph on a lost passport and borrowed 150 thousand rubles from a bank. But this is rather an exception to the rule. More often the success of scammers is due to the direct interest of bank employees. It was the involvement of bank employees in criminal schemes that served as the key to success for the Yekaterinburg machinist and his Kursk colleagues.
But it also happens that quite respectable citizens become swindlers, who were forced to commit a crime by some kind of vicissitude of fate. They absolutely honestly draw up a loan with no intention of repaying it. As a rule, in this case, they hope that sooner or later the bank will either forgive the debt or be satisfied with a court order on collecting debts in the framework of civil proceedings. This process, they are sure, will stretch out for many years by transferring insignificant funds from their salary to pay off debts to the bank.
And there are options when they try to appeal the loan, claiming that they have lost their passport and have nothing to do with the loan. But in any case, such an ostrich policy is fraught with, at least, a ban on leaving the country.