[000:00:00;00] react to legislation, offer various schemes for fragmenting the receipt of loans, various, let’s say, ways out of the current situation, and people willy-nilly go to these intermediaries, to these, let’s say, unscrupulous intermediaries who will impress on the difficulties of people, usually clients dealers are found through advertisements, posted at bus stops. and pillars, most often, this is done in working microdistricts, where people, in search of the required amount , do not bother with any conditions and percentages, but there is another option for dealers, buy an application on a specialized website on the internet, where people turn in search of the required amount. the cost of one application is 1 us dollar, such applicant is subsequently invited to purchase household appliances and electronics in

installments in large retail chains. such as the fifth elements of elektrosila, or daily communication operators, a1 or mts, while he specifically names the type, brand and model of the purchased electronic equipment, which can subsequently be quickly sold, and which is in demand in the market by the buyer such technology is usually reported by representatives of online stores, saying that they resell mobile phones through an official online store during an interview with the department of financial investigations... said the same guy in a white suit who was detained the day before. by the way, when examining his car, three more popular smartphones were found. apparently he had just completed several deals and was going to hand over the gadgets, as he himself puts it, as a shopkeeper. by the way, it is they who often dictate which goods are in demand today, and therefore which phone numbers should be registered to people. well, what is needed, that is, what is needed now on the market, that is, well

, what the shops, the little shops buy. what exactly do they tell you about the model or what, well, i know, i just kind of see that everything is in demand, that is, some specific model, for example, for some period there were phones, vacuum cleaners, well, today honor 90, honor 990 , where next, who do you sell it to, a shopkeeper, a shop, who do you call, those who sell, telephones, during the filming of this special report financial police officers across the country conducted a series of... arrests of businessmen providing such services. all of them worked approximately according to the same scheme, now they are all charged with illegal business activities, for which they face a fine of up to 3,700 rubles, plus confiscation of income and the goods themselves, but as they say in the dfr, in certain cases the person involved may face criminal liability. these persons

are obliged to pay the income received from unregistered business activities. pay income tax on increased rate, which currently stands at 26%. moreover, failure to pay tax under certain circumstances may result in criminal liability under article 243 of the criminal code. the maximum punishment under this article is up to 12 years in prison. but, apparently, while dealers do not understand all the responsibility that may threaten them in the future, new offices are appearing like mushrooms after rain, there are enough clients, applications for small amounts up to 3,000 rubles are distributed between middle managers, everything that is more and up to 10,000 is given to experienced businessmen who can arrange not only installments for a telephone, but for a tv, coffee machine or washing machine, if necessary, but the fat part,

loans over ten... the so-called credit brokers, and this is the next scheme in the microloan market hidden by the state control committee, i think that everything was done on purpose, because they don’t give money to the bank, but through them they give it, and even to pay them, how credit brokers work from personal sad experience a pensioner from gomel found out olga ivanova a woman needed a loan of 2,000 rubles, but due to her age, at that time she was 69 years old, all banks refused the application. as a result, i had to contact a credit broker, who promised to resolve the issue. the fee for help was 750 rubles. but it so happened that while the assistant was looking for a suitable option, another credit broker contacted the pensioner. she quickly applied for a loan for the required amount and charged

the same 750 rubles for her services. everything would be fine, the client agreed to this, but suddenly she showed up again the first assistant also began to demand payment for her services, you have to pay 750 rubles, she said, for which you did nothing, they gave me other loans, she said: no, we’re closing it, well, i asked her, let’s extend the contract there us for 3 months until march, give me at least 100, i ’ll give you 750 rubles from it. no, close everything gorosi, come everything, otherwise we will calculate interest on you, as a result, the pensioner ended up with a double commission, for all her explanation to the first credit broker that she used the services of her colleague, did not want to listen to anything and, hiding behind the supposed terms of the contract, demanded a fee from the woman, and then interest for late payments , the state control says that today, alas, such cases are not uncommon, people turn to financial

specialists for help, as they think, without reading the contract , sign it, as a result, they bind themselves with enslaving obligations, which they will have to pay, even if you find the right bank yourself and apply for a loan without an assistant. recently , the number of complaints and appeals from citizens to the committee has been increasing under such conditions that the credit broker did not provide any services , refusals were received from banks, the citizen himself found a financial institution from which he received a loan that suits him on acceptable terms, and, after a while, the credit broker issues the entire amount in accordance with the agreement, with penalties, from the moment of non-payment, that is, when the loan was received, as a result of penalties... sanctions are also comparable to the amount of the loan received. and penalties, as they say, be healthy, for each day of failure to fulfill obligations contract 5% of the remuneration amount, and after 10 days another plus 30%. as a result, the loan

broker who did nothing sometimes has to pay even more than the loan itself. an agreement concluded with a citizen is very difficult to understand. i'll say this. that it contains more than 60 points, it takes 3-5 minutes to sign the agreement, saying that it is standard, typical, and there is nothing there, it is very difficult to understand the terms of the agreement, even for people who have specific financial knowledge, but i will give such an example: during validity of the agreement, the client cannot apply to any financial organization without the consent of the credit broker, there is a fine for this, the validity period of the agreement is... about 3 months, while the credit broker himself does not bear any responsibility. according to state control data , today there are about 40 companies providing services, so-called credit brokers, operating in the country, while only one organization

earns about 16 million rubles per year. this speaks not only about the scale of such businessmen, but also about the fact that they are progressing, after all, last year there were only 16 such companies in the country, and if you don’t... stop this gray financial machine, what will happen next, so it’s time to think about this issue and draw conclusions, i’m now on the street, i was simply thrown out of my home . at 63, natalya kovalenko found herself on the street after she had the imprudence to take out a loan secured by her apartment. the woman found herself in a difficult life situation in 2020. then it seemed to her that this was a suitable solution to her financial difficulties. according to the terms of the agreement, $24,000 borrowed it was given to her by a certain lady with whom the intermediary company brought her together. having paid them a fee of 5,500

rubles. natalya received the amount she needed from a third party, but made the fatal mistake of not being careful enough. i have read the agreement. i didn’t read on trust, because i understood that if i started to deal with my knowledge-cognition there , i could sit here for a few hours, but i see that everything is very, very somehow so hasty, such an atmosphere has been created, the notary is at sat through all this, she didn’t say a word. the loan payment was $370 per month. at first natalya paid everything regularly, but then she realized that not everything was as simple as they said in the office of the intermediary company, because for the first year it was necessary to pay... interest, and the amount of the principal debt was not even repaid. finding herself in a debt hole, the woman stopped paying; as a result, due to non-payment, the apartment was assessed below market value and quickly sold, while the bti did not

put a mark on the disputed apartment and discharged the ex-owner from her only home to the street, and the minsk city court refused a deferment for eviction, without providing some other living space was just put on the street for retirement, i asked the court, give me, by winter, give me at least the opportunity to spend the winter here, find something, look for something, somehow save up with this pension of mine, everything very calmly, no, everything , that is, everything is on the side, everything is built like this, on the side of this active, i would say, group, as the already homeless herself admits, what confused her most was that she was sure that she was immediately extinguishing the main debt, but as it turned out, after paying several thousand dollars, the woman found out that this was all interest.

svetlana bartashevich, a mother with many children, found herself in a similar situation, only the woman managed to pay off what she thought was the entire amount of the debt, about $25,000, but it turned out that this was also only interest. i saw that a house was for sale in minsk, and this house was still pre-revolutionary, that is, it was more than 100 years old, there was no sewage system, there were stoves, but i thought, since they don’t register us , banks don’t give loans, that is this and it wasn’t...expensive, that is, it was the only opportunity to buy, that is somehow expand, because we live in a one-room apartment, there are seven of us, because in addition to our four children, we also had an adopted child, that is, five children, then i began to look for where i could get this opportunity, but money there was no dream house, svetlana found an intermediary through the same intermediaries with whom natalya worked, the result was approximately the same, having read the contract inattentively, the woman first found herself in a hole, and then lost

her apartment, and about the fact that it was for sale svetlana saw her housing, which she left as collateral, on the internet , saw that they were selling an apartment there for debts, i began to look, and i saw that our apartment was put up for auction, that is, we are talking about this, that is, this is what we are talking about mom's apartment, that is, we knew nothing about it at all, no one notified us, that is, the person put it up for auction, some auctions did not take place, the second, and then he just...' transferred it to himself, came, changed the doors, that is, our things are still worth everything there, despite the fact that svetlana's apartment was taken away, it still owes the amount, according to the writ of execution, of the principal debt of 30,000 dollars and 15,000 euros, in addition to more than 10,000 dollars, almost 7,000 euros of interest, 3,000 euros of penalties and a fine of 6,000 dollars and 3,000 euros, due to financial problems of repairs ... in the house, svetlana never finished, and

is forced to live with a family of six in her mother’s one-room apartment , when you read, well, it seems like it’s all clear, everything is clear, but then the lawyer told me, even i didn’t understand right away , what it turns out they can sell your apartment without court, they just go to the notary, make the execution, by the way, and the same notary who concluded the contract, the same notary, he made the execution inscription, as in one case, and also the scheme according to which both the women who lost their apartments are generally very similar. in the legal field, they are supposedly transparent, but as a rule, the methods are always the same - to tear off three skins from a person, and if he cannot pay, drive him into a hole of debt and take away his apartment, because it is pledged. as a result, if the client has not fulfilled the slightest their obligations, the terms of the contract under which

the person vacates the apartment comes into force. at the same time, let me draw your attention to the fact that we have established facts when apartments were subsequently resold for 2 and a half times the amount of the loan provided. as a result, a person is left homeless with a large financial debt, and the person who provided the loan receives excess income and at the same time... becomes the owner of an apartment, which he resells for much more than the cost that he provided for the loan. please leave all your jobs, we leave the phone, put the phones on the tables, together with the state control officers we visited the company that brought svetlana and natalya together with their creditors. we were met by three young men who were clearly nervous about the arrival of guests, but tried not to show it.

after all, as they themselves insist, their work is completely legal, and the fact that someone lost their own home and only one is the fault of the clients themselves, who did not fulfill the terms of the contract, that is, we work within the framework of bringing together the two parties, which is yours commission, from from six, even 5.5 to 9%, we take a one-time commission, then we send them into free sailing directly, they are already themselves. money, however, as practice has shown, someone makes money, someone gets fabulous payments and even apartments, although the company representatives themselves describe their business... come to us, say that i have 2000 dollars, and we have there are borrowers directly on our platform, on the website,