felicialiban.com http://www.felicialiban.com My WordPress Blog Fri, 24 May 2019 03:21:56 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Loans for Fraudulent Data http://www.felicialiban.com/loans-for-fraudulent-data/ http://www.felicialiban.com/loans-for-fraudulent-data/#respond Fri, 24 May 2019 03:21:56 +0000 http://www.felicialiban.com/loans-for-fraudulent-data/ The procedure of obtaining data via the internet is very easy. The scammer can, for example, impersonate an employer looking for people to work. To verify a potential employee, he asks him to attach a personal ID to the CV.

If he goes to a naive person, he has papers ready to set up an online bank account. The bank sends documents prepared for a specific person for signature by courier. However, this one does not always check whether the person signing the documents is actually who he or she is referring to.

Now everything is coming down the hill – after signing the contract, the cheater chooses a loan company and makes a 1-bank transfer confirming “your” personal data from the bank account created. After such verification, he can easily draw a quick loan.


Customer verification too poor

Customer verification too poor

Why do lenders pay more attention to the verification of data of persons applying for a loan? The marketing manager in an interview emphasizes that the time of receiving a loan, eg 15 minutes, is important to the client. Under such conditions, there is no chance of checking whether a person is impersonating someone else.

The only form of verification is a transfer from the customer’s bank account. In many countries, loan companies have the opportunity to more accurately check the person applying for a quick loan through the PESEL-2 system. It allows you to check the compliance of the person’s first and last name, address and PESEL number.

Unfortunately, there is no such possibility in Poland. Thus, loan companies recognize that a more accurate analysis has already been made by the bank by creating a bank account for a given person. And the circle closes.


Procedures without changes

Procedures without changes

Despite open gaps, banks do not think about introducing additional customer verification director of the Public Relations Team at the Bank Association emphasizes that introducing additional restrictions when setting up an account via the internet does not make sense, because it hits first of all honest people who want to save time on going to the facility.

And there are definitely more such than dishonest clients. “The banking system has 42 million accounts. With such a number, there have been, and sometimes happens, situations that a criminal without the knowledge of a bank acquires personal information, creates an account and extorts money.

However, each such case is analyzed in detail by the banking system, and the solutions that led to irregularities are immediately eliminated. Banks are doing a lot to make the system safe and it is. But it is worth remembering that the police who work with the banking system closely cooperate with pursuing criminals, “adds Barbich.

However, the procedure requires sealing (eg couriers should be required to check the details of the contract with the ID of the person signing the contract) and the banks are actively working on it.


Debt collection despite fraud

Debt collection despite fraud

It is worth remembering that the debt collection lasts until the matter is cleared up by the police or the prosecutor’s office. Just reporting that you have been a victim of fraud is not enough to be released from the obligation to pay off someone else’s debts.

Loan companies explain this with the need to secure their interests against dishonest borrowers. Head of the Debt Collection Department says: “There are scammers among clients. We are browsing forums on the internet, we get different signals and we know that people often boast about the fact that, for example, they took a loan in a given company, then they reported to the police that it was not them and they did not have to pay anything back. We want to be protected from it. “


How to protect yourself from cheaters?

How to protect yourself from cheaters?

So what to do to protect yourself from such situations? If we do not want to fall victim to online cheats, let’s look after your data. Let’s watch who and how we share information about ourselves. Let’s think a few times before we put our data on social networks. Check if the company you want to register on is sure to be honest. Be careful to make friends online.

The way of phishing “per employee” quoted at the beginning of the article is just a drop in the ocean of possibilities. The inventors’ crooks in this field are really very big.

What should you do if you receive a letter from the debt collector with information about the need to repay someone else’s debt? Report the matter to the police without delay. Only in this way can you keep your money and avoid similar situations in the future.

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Loan From the Savings Bank http://www.felicialiban.com/loan-from-the-savings-bank/ http://www.felicialiban.com/loan-from-the-savings-bank/#respond Fri, 26 Apr 2019 02:58:25 +0000 http://www.felicialiban.com/loan-from-the-savings-bank/

The loan was presented under the Wera brand. You can also find it under the name Statue bank. The main founder of this banking product is Československá obchodní bank as One of the very pleasant facts is that wera can be settled through all branches of the Czech Statue, which are more than 3,000 in the Czech Republic.


Get money one time


If you request a loan for Wera, the money will be promptly paid after its approval. This step is implemented by a one-time non-cash transfer to the client’s bank account. This must be either with CSOB or with Wera. You can also set up real-life pay-back insurance to help protect you from unwanted life situations.


Bet on high availability

loan availability

Earn an affordable loan through an online application and enjoy maximum transparency of installment terms and overall flexibility. You have the loan set to your image.


Payout table

Payout table

Loan amount: CZK 20,000 Repayment time: 12 months Fee: 1 767 CZK Interest *: 10.9% RPSN *: 11.5% Total *: 21,204

Loan amount: 50 000 CZK Repayment time: 24 months Charge: 2 329 CZK Interest *: 10.9% RPSN *: 11.5% Total *: 55 896 CZK

Loan amount: 100 000 CZK Repayment time: 36 months Fee: 3 130 CZK Interest *: 7.9% RPSN *: 8.2% Total *: 112 680 CZK

Loan amount: 250 000 CZK Repayment time: 48 months Charge: 6 092 CZK Interest *: 7.9% RPSN *: 8.2% Total *: CZK 292,416

Loan amount: 500 000 CZK Repayment time: 60 months Charge: 10,115 CZK Interest *: 7.9% RPSN *: 8.2% Total *: 606 900 CZK

Loan amount: 800 000 CZK Repayment time: 96 months Fee: 11 269 CZK Interest *: 7.9% RPSN *: 8.2% Total *: 1 081 824 CZK

It was a loan of CZK 100,000 with a maturity of 5 years bringing very interesting repayment terms. You can get an interest rate of 7.9% and an APR of 8.2%. This is a prerequisite for monthly repayments of CZK 2,023. You will be paid a total of 121,380 CZK.


frequent questions

Does the loan provide any free services? Yes, you can freely reduce and increase monthly installments, pay extra payments, or simply postpone any repayment.

You do not pay for management, administration, settlement and early repayment.

What is the maximum maturity of the loan? The longest installment period can be chosen for 8 years. What papers do I have to submit for positive approval?

There are two IDs and a regular income receipt. Loan Amount 20 000 – 800 000 CZK Maturity 12 – 96 months Interest from 6.9% RPSN from 6.9%


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Debt consolidation http://www.felicialiban.com/debt-consolidation/ http://www.felicialiban.com/debt-consolidation/#respond Tue, 16 Apr 2019 10:00:31 +0000 http://www.felicialiban.com/debt-consolidation/


Debt consolidation is a form of financing that allows you to enjoy special discounts. Through debt consolidation, in fact, it is possible to combine the different family installments in a single monthly installment, less onerous.

Using the family debt consolidation the duration of the loan will be greater, due to the lighter monthly amount of the installment. Debt consolidation is therefore ideal for those who prefer to keep the monthly expenditure for family low, at the cost of prolonging the financing over time but avoiding the problem of a loan with unpaid installments.

But what are the best family debt consolidation today? We used the SuperMoney comparator for a simulation of a loan application to 5 different institutions to get an overview of the best interest rates on loans obtainable in November 2013.

The applicant is a 30-year-old Milanese citizen, a civil servant, the sum requested is 5,000 euros and the duration of the loan is 5 years . The results are as follows:

debt consolidation

debt consolidation

The cheapest debt consolidation loan. The total amount due for the loan is 6,120 euros , with an APR for 8.58% and the TAN for 4.70% . Rata Bassotta is therefore set up as a loan consolidation debt with very interesting conditions.

debt consolidation Compass

debt consolidation Compass

The second place in our ranking of family debt consolidation is occupied by the Compass loan. With the Compass loan the total sum to be repaid is 6,577 euros , the APR is 12.02% and the TAN is 9.90% . Total amount a little higher, therefore, but still convenient.

family debt consolidation

debt consolidation

The third loan for debt consolidation considered is Credem’s Loan . With the Avvera loan the total amount of the loan is € 6,723 , the APR of the loan is set at 13.08% , while the TAN is at 11.90% .

family consolidation debts: Easy Loan Small

family consolidation debts: Easy Loan Small

 Small is the loan to consolidate debts. With this loan, the total sum to be repaid is 6,905 euros, with an APR at 14.57% and a TAN fixed at 11.99%. The duration of the Facile Small loan ranges from a minimum of 12 to a maximum of 60 months, as in the case of our simulation.

family consolidation debt

family consolidation debt

The fifth classified is the debt consolidation loan. In this case, the total amount of the loan is 7,241 euros, the APR is 17.07% and the TAN 11.04% . 

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Choose the best loan for ceremonies and gifts, all offers http://www.felicialiban.com/choose-the-best-loan-for-ceremonies-and-gifts-all-offers/ http://www.felicialiban.com/choose-the-best-loan-for-ceremonies-and-gifts-all-offers/#respond Fri, 22 Feb 2019 11:27:06 +0000 http://www.felicialiban.com/choose-the-best-loan-for-ceremonies-and-gifts-all-offers/


Despite the objective difficulty of finding affordable rates, it is always possible to ask for a salary assignment to get the loan out of the bank, if we really can’t avoid asking for additional money for our expenses.

Another solution to save money could be to look for the most advantageous personal loan online

Another solution to save money could be to look for the most advantageous personal loan online

Where perhaps we might be able to find a particularly convenient offer.

Moreover, since the time for the ceremonies is approaching with the spring and, as we well know, to present oneself empty-handed is not acceptable, for some it could really materialize the necessity to subscribe a loan to bear the expense of an exorbitant gift of the wedding.

In fact, in this article we have decided to compare the cheapest for this purpose, using the free Super Money price comparator. As other parameters, we have chosen to imagine that we are an employee of the private sector, not protest, which requires 7 thousand euros to be repaid in three years.

The online portal, in a few seconds, produced a list of results among which we isolate the first three most advantageous, according to the parameters we have entered: the first in the ranking is Loan which provides a for 10.99 % and a Tan rate of 10.45%. At the end of the amortization period, we would have repaid 8190 euros, having paid 36 monthly installments of 227.5 euros each.

In the second place, we offer 11.45% and an of 10.90%: after having returned to the financial in question 36 monthly installments of 228.8 euros, we would have spent a total of 8.254 euros.

On the third step of the  Easy-Medium Loan at 14.49% and at 11.99%


With an installment of 232.5 euros a month we will return to the bank, at the end of the amortization, 8,560 euros.

As always, when subscribing to a loan, the careful evaluation of the contract and the leaflet is a must to always be aware of the proposed conditions and to avoid incurring in unpleasant surprises when paying the first installment.

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Loan for furnishing up to 60 thousand euros http://www.felicialiban.com/loan-for-furnishing-up-to-60-thousand-euros/ http://www.felicialiban.com/loan-for-furnishing-up-to-60-thousand-euros/#respond Wed, 20 Feb 2019 11:03:23 +0000 http://www.felicialiban.com/loan-for-furnishing-up-to-60-thousand-euros/

If you are decorating your home and believe you cannot afford all the expenses yourself, do not give up all the projects you have put in place to fix your home. We suggest you ask for a specific loan that can cover the investment in its entirety. If you didn’t know, there is a type of loan on the market dedicated exclusively to furnishing your apartment.

We have made a comparison of the various offers on the market and we have verified the convenience of the loan aimed at furnishing that is part of the package of products offered.The furniture loan finances your expenses with an amount ranging from one thousand to 60 thousand euros to cover the entire investment.

If you do not have a current account, there is no problem because your financing will be fully paid into your current account without having to close the current account that you have at another bank or at another financial institution and consequently open it in Findomestic.

Loan for furnishing: payment and repayment methods

Loan for furnishing: payment and repayment methods

The loan for furnishing is paid by bank transfer to your bank account or by an insured check that will arrive directly at your home.

As for the repayment method , this is done by direct debit to your current account.

Before applying for financing for furnishings, you will need to verify that you have a series of fundamental requirements for the purposes of the request. So make sure you have all the financial requirements so you can be sure that you can make the request in peace and be up to date with the application. First of all you must be between 18 and 75 years old . You must also be able to prove an income and finally you must be resident in Italy. In any case, the financial company will make use of the faculty to carry out due checks before granting the loan.

The advantages of furniture loan

The advantages of furniture loan

With a personal loan, the interest rate is a fixed rate. Moreover, after having repaid the first six installments you can choose to vary the installment through the installment exchange option which allows you to increase or decrease the monthly repayment. Variation which consequently affects the duration of the repayment plan. In fact, if you decide to increase the cost of the monthly payment, the repayment plan will be shortened; if, on the other hand, you request to reduce the monthly fee to be paid, the repayment plan will be extended. The ” Currency Exchange ” service does not require any additional cost, it is a service that the financial company offers you free of charge.

If, on the other hand, you realize that you are in difficulty with paying an installment and are unable to make the repayment, offers you the possibility to skip the payment of an installment and send it back at the end of the repayment plan. This option is called ” Salata Rata” and is just as free as the “Change Rate” option . Also in this case, as before anticipated, to use the service you will have to have repaid the first six installments.

Furthermore, you need to know that to protect your personal or finalized loan you can choose to purchase a loan insurance policy that is completely optional. Credit insurance protects you in case of temporary or definitive events and protects your financing. This way you will be able to sleep peacefully and you will not run any risk

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