One coup finance is happening in India, and many people lulled by the promise of money easy are falling. Everything works through applications, where you send a copy of your document and receive credit approval quickly and easily.
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It turns out that the agreed money is paid only partially, and soon after, the scammers threaten the victims. As was the case of Raj – fictitious name -, who downloaded one of these applications and took out a loan of US$ 110 to try to solve his financial problems.
Of the agreed amount, he received only half, and soon the scammers began to charge three times more than the amount received. To make the man pay, the criminals began to threaten him, as with the application, they managed to gain access to all the files present on Raj's cell phone.
Among the threats, the scammers said they would send all their contacts nude photos of their wife, which made him download more apps and apply for more loans, resulting in an even bigger debt of $6,000. Raj even applied for credit on 33 different apps.
Out of fear, the man did not go to the police, and ended up selling all his wife's jewelry to pay off the "debt" with the criminals. And what's worse is that he still fears for his safety. “I don't think they will leave me alone. I fear for my life. I get threatening calls and messages every day,” he says.
This is a very common scam in India, where more than 600 applications have been found offering loans illegally. The state of Maharashtra is the one that collects the most reports of this type of scam: in all, there have been 572.
The lack of eligibility for loans in traditional banks in the country ends up making this blow even stronger, and helps to spread it. So says Yashasvi Yadav, special inspector general of police in Maharashtra's cybercrime department.
Most apps are from servers in China, and some of these scammers have already been identified by the police.
In conversation, a scammer reported that it is very easy to evade detection, as they use false documents to get phone numbers, and all they need is a laptop to carry out the scam. He also says that scammers are trained to find vulnerable and naive people.
Last year, the government even asked Google to remove fraudulent apps from its store. However, scammers found another way to collect victims, this time by sending text messages with the app link.
The Central Bank presented the government with a proposal to contain this type of scam, and the entity provided a structure to verify these applications. The government is expected to respond to the request in the coming weeks.
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