Consumers indicate that they request money for certain procedures associated with obtaining a loan, but after making the payment they do not respond nor do they deliver the amount committed.
The Sernac filed a complaint with the Public Ministry 13 non-traditional financial assumptions. This, after receiving several complaints from consumers with possible credit scams.
It was indicated that people say they have given money for certain administrative procedures associated with obtaining a credit.
Despite this, after making the payment They do not respond again, nor do they deliver the amount of the committed credit.
It is because of this that the deputy director of Sernac, Jean-Pierre Couchot, explained an agreement with the Public Ministry to deal with such claims.
The foregoing, in order to be able, in a coordinated manner, to verify their conduct and take actions to safeguard the rights of consumers.
“Many families live with over-indebtedness, debts that they cannot pay or need money to finance basic needs. This situation makes them vulnerable to resorting to companies that advertise a quick and easy processing of a loan, ”said the authority.
Companies reported to the Public Ministry:
-Capital Finance
-Suaval Insurance Company
– believe
-Coordinate your Credit
-Union Cooperative
-Coopfinancial Triumph
-Andean Cooperative
-Valparaiso Cooperative
-Multiassociados of Concepción
-Alliance Financial Group
-Cooperative Crediservi Chile
In most of these cases, these so-called companies ask consumers to make advance payments. The above, associated with management of the supposed credit, through transfers to a natural person.
Alleged cases of credit scams
In addition to this list of non-traditional financial companies reported, the Service previously referred another 16 entities for similar situations.
For example, one of them called Credi-Chile, indicated having the “Sernac Seal” in the document delivered to consumers, which was not in line with reality.
This, in addition to using a name similar to the fantasy name of a bank to give consumers confidence.
Among the companies previously denounced are:
-Conavicoop.com
-Chile Financial Action
-Credi-Chile
-Atlante Financial Services
-Coopchile
-I believe
-Coopafin Finance
-Tecnocredit Ltd.
-Financial credit
-The triumph
-Concredicoop
Sernac complaints before the Public Ministry
Together with the eleven non-traditional financial companies, Sernac denounced to the Public Ministry Torres Leasing Spa y Fourbrockers.
These are companies in charge of real estate management and advice for financing the purchase of homes through Housing Leasing, for possible crime of fraud.
For both providers, claims were analyzed in which consumers indicated that, after making advance payments. After the unjustified delays in the processing and granting of financing, desisted from contracting the services of these companies, without obtaining the return of advance payments.
After detecting this situation, both companies were contacted to find out, among other relevant aspects, and the products offered. Added to the above are the conditions to access these and the real estate management procedure, without obtaining a response.