There are not many options in our country to completely throw mud at such skrvises, but there is still a BUT!
Incomprehensible CI checks and verification, which lasts for an unknown amount of time every three months.
As a result, you will be able to pay off the loan, yes. But there is no way to take it at this time. It's like it's being done on purpose.
What is the most important thing that can change for a person in three months if the rating was initially good?
The support service exists somewhere on another planet. You ask for help and speed up, in response there are only template answers.
In general, I did not read it carefully at first, as a result, I need an eye... As if there are a thousand people there who need to be checked in a day? ((Extremely incompetent.
I don't need a loan at this moment, but you're shaking your nerves with these checks. ((
I'll give you three as a mutual friend. There are nuances. I really don't like the following - for example, a borrower with a rating of 48 has the opportunity to take out three loans of 350 rubles. From one mutual friend.
More than a thousand come out.
But I wouldn't give that thousand to a person with a similar rating.
This causes problems. At the moment, the problem with six loans is due to a similar system.
The second point. Updating the borrower's rating. Otherwise, I am generally satisfied with the service. You can earn money.
If you take it seriously, then with an amount of less than 20k, it makes little sense to enter the topic. We need a normal turnover. To cover losses somewhere, as it takes a long time to repay some loans.
In theory, you can make a profit, but too many people do not want to give money voluntarily. You have to take the borrower's contact phone number from the service, call them, and persuade them. The service itself does not take part in this at all - it only collects money. The rules are written crookedly, the sequence of actions is not clear. The lender is not protected at all. When you give a loan, you don't know what's really waiting for you. It takes at least 6 months to repay a problem loan (we are waiting for the penalty to be charged, waiting for the response to the claim, waiting for the arbitration court, waiting for the court decision, sending the decision to the economic court, waiting for the court decision, sending the court decision to the OPI, waiting for the OPI to collect the money). In general, I tried, eventually worked in the negative and retired from the service.
And for general information. At the end of the year, it is necessary to file a tax return to charge 13% of income for tax, which is calculated from conditional earnings - from interest and penalties, including loans that were not repaid, but should have been repaid in the reporting period. In addition, this 13% tax is calculated from the amount from which the Cabbage commission is not deducted.
In terms of figures, the following results are obtained: conditionally I gave 500 rubles, 600 should be returned, 4.5% of 600 is taken by cabbage = 27p + 13% of 100p (the difference between 200 and 100p) = 13p tax must be paid to the state. In total, the conditional net income is 60p, although it initially seems that it is almost 100p. If, in this example, 1 out of 10 people does not repay the loan, then the work turns out to be zero.
He registered as a lender using the ID in his passport as a login. I went in, read the terms, looked at the lists of lenders and borrowers - how much they give, how they give, what ratings, etc. I saved up money on a card that is not dangerous to shine on the Internet, decided to issue the first loan - the site says that the login is now a phone number. I enter the number-login and password - it says that they are incorrect. I click on "Send a code by SMS to restore the password" - the code does not arrive. I wrote to tech support and did not receive a response.
I give a "unit" to this kind of site work, since there is no less rating.
Let's be objective - good service, although there is something to improve.
You need to be aware that not everything will be returned immediately. In most cases, people return on time - even if they don't, it's okay. Get in touch with the borrower (it's great that you can write to tech support and they will give you his number). Calmly explain the whole negative situation. Wait, the penalty will accumulate, in any case you will receive the funds back (in a month or half a year - it is not so important, the penalty will cover, long-term perspective). Think globally)
Different situations happen. Everyone understands perfectly well at the very beginning that it will not work just like that and not return without consequences.
And do not throw in the last finances - otherwise, if they do not return on time, the sediment will definitely remain)
The arbitration court provides the necessary documents for collection. Yes, this is how the system is built, which then needs to be confused (to transfer documents to the economic court and then to the OPI).
And it's not for nothing that the system (based on the ISI data) assigns a rating to the borrower. I would not recommend submitting applications below 50. Although they returned it without problems and with a rating of 43.
To sum up, thank you who implemented such a project!!!
The office seemed normal at first.But, she soon began to raise surprises.In the process of my "Debtor" status and when the repayment period has not yet arrived, my status for some reason turned out to be Inactive.The "smart guys" there told me that I need to do facial biometrics.I can't count how many attempts I've tried, it's a lot! And it's always the same-either "failed to recognize, or insufficient recognition level" Something like that.And the support service responds like bots:you must undergo biometrics, not paying attention that it is impossible, well, for sure.And then they blocked me altogether, writing that I had tried everything.They do it on purpose!!! 1, To bring the creditor to court and milk money from him for "help" in court. 2. Increase the debt by 50% of the loan amount (under the agreement) and get your 5% already from the increased amount.That's it, brothers.These are my only conclusions and that's all.Therefore, I do not advise you to contact this desk.And the idea itself is good.It's a pity that they smell rotten inside.
They live on a commission, their arbitration court is a fiction, they take a percentage, they take money for allegedly proceedings, and the impact on the debtor is a letter to the post office that, they say, you owe. And you are sent to court to continue to sue. Bailiffs then come to the borrower through a civil lawsuit, or the collection is compulsory. There is a lot of hassle, a lot of time, but those who decided to cheat so easily will then give many times more, taking into account all legal costs.
Very good service! Everything is honest and clear, there are no hidden payments, you choose and calculate your payment options yourself. The staff are very polite and treat people with understanding.I would like to wish all employees of this service prosperity and expansion!
I recommend it to everyone!
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Иван Радюкевич
Level 12 Local Expert
December 16, 2024
1. Convenient filter. 2. The ability to contact the borrower/lender. 3. The arbitration court accelerates the refund procedure.
One of the minor disadvantages is a paid report on the history of your actions on the site. There is no early repayment.
Never lend money there, especially to those who ask for it themselves!People haven't returned money for months!The application takes its commission, but debtors are not affected in any way!