The promise of loans without SCHUFA information lures many citizens into ruin. Especially people who are already in financial distress are lured with the hope of getting a loan from a bank from another EU country without a credit check and are often deprived of their last money.

Contact is usually made via social networks (Facebook, TikTok, Instagram, forums, etc.) or messenger services (email, WhatsApp, Telegram, Signal, etc.). Fraudsters use fake profiles to build a relationship of trust with potential victims in order to lull them into security.

Rude awakening after expensive advance payments

But the uncomplicated loan from abroad that was promised at some point is a scam because the victims are supposed to make advance payments for customs duties or taxes.

Fake certificates, letters and documents on quickly created websites are intended to underline the seriousness of the offer. Once paid, another made-up fee is charged. And again it's time to pay.

  1. Loans without SCHUFA over 4,000 euros: Reputable banks do not grant SCHUFA-free loans above this amount
  2. particularly low-interest loans
  3. Payments must be made in advance (never pay commissions or other fees in advance)
  4. Expensive insurance or memberships must also be taken out
  5. Loans without proof of income
  6. The loan offered is available immediately

Tips: How to protect yourself from credit fraud

  • Ignore loan offers on Facebook, WhatsApp, Instagram etc. Reputable banks would never make concrete offers via social media.
  • Check where the alleged lender is based and check with the national supervisory authority whether the company exists and is authorized to broker loans. The Federal Financial Supervisory Authority provides an overview of the European supervisory authorities.
  • Under no circumstances should you send personal data or documents (copies of ID, invoices, bank details, etc.) via email or messenger service.
  • Never pay via cash transfer services such as Western Union, MoneyGram or with vouchers/payment cards such as “Paysafe” or by (real-time) transfer.#

Source: Police-Beratung.de

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Notes:
1) This content reflects the current state of affairs at the time of publication. The reproduction of individual images, screenshots, embeds or video sequences serves to discuss the topic. 2) Individual contributions were created through the use of machine assistance and were carefully checked by the Mimikama editorial team before publication. ( Reason )