Today the financial situation of many people is not entirely adequate. And it is not surprising if we think about the shortage of job opportunities, their short duration and the low financial remuneration they have. Hence, sooner or later, we often have to resort to a loan.
And unfortunately, many scammers take advantage of this financial need of people to carry out fraudulent activities. If you are going to look for loans through the internet it is vital that you be careful with scam loans. At Private Lenders we are very aware of this issue. That is why our experts want to help you so that you do not fall into any of these frauds. If you want to know more about scam loans and how to identify them, be sure to read the following post .
Learn how to identify scam loans
The first step to prevent this from happening to us is to learn how to identify scam loans . Here are some tips that will help you achieve this:
Check the security of web pages
The first step you should take to check if you are facing a scam is to check the security of the website. To do this you just have to look at the URL and take a look at the following elements:
- Before the web address, a green security padlock must appear, indicating that you are on a secure platform . This padlock is a warning that the web includes the SSL (Secure Socket Layer) certificate
- The web address must be preceded by the acronym https
- Check the operation of the buttons and tabs. If you find that any of the tabs on this website does not work correctly, you may be faced with a scam. It is likely that the website has been cloned. This can even happen with your bank’s website.
A financial institution that operates online must comply with all security protocols strictly. Otherwise the data of your clients will not be safe. These protocols help us to encode said data and to corroborate that they will not be filtered.
Run away from credit companies that request an advance
A lender will never ask you to advance some of the money to get credit. This is one of the clearest indicators that we are facing a scam. The most frequent excuses for capital advance are usually paying the opening commissions or even part of the interest. These expenses will always be included in the fees you agree. They will never be charged in advance.
Unfortunately, many people have fallen into this trap due to the need to obtain immediate money. Unfortunately, after making the capital deposit, the phantom company disappears as if by magic and the borrower never receives money or recovers the advance.
In case this has happened to you, be encouraged to report to the Spanish Cyber Police. It is the only way to prevent fraud from spreading further.
Seek advice from special consumer organizations
Consumer aid organizations are companies that are precisely in charge of advising and offering information on this type of thing. There are two of great confidence to which you can go in search of more data.
- The OCU. U Organization of Consumers and Users has spent years looking after consumer rights in our country. Not only do they offer information on the products you may be thinking of purchasing, but they also have an advisory team and lawyers for their partners.
Facua. It is another of the quintessential non-governmental, non-profit consumer associations. You can become a member for a fee of $ 63 per year. However, it attends to complaints and queries from users even if they are not registered.