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Кредитные аферы "под 3% годовых"

 

 


 

Несмотря на давно известное всем утверждение о бесплатном сыре и мышеловке, жертв меньше не становится. А учитывая прицельно бьющие по карману обывателя тенденции отечественной экономики, мы получаем даже некоторый рост статистики: не первый день столбы, заборы и газеты Луганска пестрят объявлениями о беспроцентных займах и кредитах без залогов, поручителей и справок о доходах.

 

«Кредит до 500 000 наличными для всех, без справки о доходах и поручителей. С 23-75 лет. Для пенсионеров, официально не работающих», - гласит текст объявления в рубрике «финансовые услуги» новостных газет Луганского региона.

Например, луганчанин Виктор рассчитывал на получение кредита в размере 10 тысяч гривен.

Обратившись к одному из многочисленных «кредиторов» по объявлению в «Бесплатке», он подписал договор, после чего доверчиво внес первый взнос, что, по рассказам кредиторов, должно было ускорить получение заемщиком денег. И стал ждать.

Как ему сначала казалось, - три дня было бы достаточно. Кроме первого взноса, то есть фактического погашения не выданного кредита, Виктор также оплатил услуги «банка», страховку и «еще какие-то копейки». На общую сумму – почти 1 тысяча гривен.

Однако, ждать пришлось долго. Почуяв неладное, обманутый мужчина стал звонить кредитору. По телефону ему сообщили о «несостыковках в переводе средств на счет и отсутствии повода для беспокойства». Так, по словам «сотрудников банка», «деньги вот-вот должны были прийти на счет», но с момента подписания договора уже прошло около полугода, а телефоны «сотрудников» перестали отвечать.

«Офис зарос травой, и попытки найти тех, кто оформлял со мной договор, ни к чему не привели», -рассказал Виктор.

Как оказалось, данный случай - самая примитивная схема «заезжих кидал». Есть другой вариант развития событий: «кредитная контора» никуда не пропадает, а даже наоборот - наращивает обороты и «стрижет капусту» стахановскими темпами. Облапошенный индивид оббивает пороги офиса, обрывает телефоны менеджеров, но встречает лишь немногословный комментарий офисных девочек, уверяющих в том, что «все будет хорошо» и «непременно скоро».

Единственный законный путь решения проблемы в таком случае – помощь адвоката. Впрочем, успех исхода дела зависит от множества факторов. По словам адвоката компании «Чудовский и партнеры» Андрея Корчевного, судебная практика в Украине знает примеры как положительного, так и отрицательного решения подобных дел.

С идентичной проблемой столкнулся и луганчанин Михаил Миньков. Мужчина обратился в компанию «Альянс-Украина» с целью оформления кредита в сумме 50 тыс. грн. По накатанной схеме оплатил «юридические услуги» и познакомился с «завтраками» от менеджеров компании вместо денег на ремонт квартиры.

«Теперь я понимаю, что кредит под 5% годовых, в то время когда банки дают под 25-30%, - получить просто нереально. Меня подкупило отношение сотрудников компании и «профессиональная консультация». Уже позже я начал вчитываться в договор, где мелким шрифтом было указано, что если в течение 3 дней с момента вступления договора в юридическую силу, я не разрываю его, то вернуть вложенные деньги не получится», - рассказал М. Миньков.

Собственно, «кредитная» схема, как утверждают юристы, проста до безобразия и уходит корнями в набившие оскомину финансовые пирамидальные схемы, с которыми братья-славяне познакомились уже давно.

Отцом-основателем финансовых пирамид на территории СНГ по праву считается Сергей Мавроди и его детище – «МММ». Только вот в отличие от «кредитных союзов», потрошащих карманы луганчан, Мавроди теперь не скрывает пирамидальной сущности своего проекта. В «кредитных союзах» людям обещают деньги взаймы, но ничего не выдают, а потом требуют ежемесячные платежи в счет погашения невыданного кредита. По факту, люди, попавшиеся на удочку к мошенникам, рассчитывают получить деньги, а вместо этого платят сами. Порой платят годами, так как ставить подпись на договоре, обязывающем нести собственные деньги мошенникам, никто не заставлял. Жертвы, пострадавшие от преступных действий, понимают, что стали последней ступенькой финансовой пирамиды далеко не сразу.

Как отметил адвокат Андрей Корчевный, часто встречается ситуация, когда условия договора, подписанного клиентом мошеннической конторы, заставляют человека на законных основаниях отдавать свои деньги, без какой либо возможности исправить происходящее и остановить «добровольный грабеж» или вернуть внесенные средства.

В компании «Чудовский и партнеры» рассказывают еще об одном случае: одному из крупных луганских бизнесменов потребовался кредит в размере 500 000 тыс. грн. - на короткий срок. За деньгами предприниматель обратился в кредитный союз «Ренессанс», предлагающий деньги «на крайне льготных условиях» и « в кратчайшие сроки».

 

«Человек подписал договор, практически не читая, рассчитывал быстро вернуть деньги. Буквально в течение месяца. По условиям договора клиент сразу выплатил стоимость юридических услуг конторы. Всего вышла сумма 17 тыс. 600 грн. платы за «информационные услуги и оформление договора». После того, как к обманутому бизнесмену пришло осознание мошеннических действий «кредитора», он обратился к нам», - рассказал адвокат Андрей Корчевный.

В данном случае обратиться к адвокатам заставило банальное желание добиться правды и наказать мошенников. Нюанс заключается в том, что если пострадавший не является крупным бизнесменом и оформляет «кредит» тысяч так на пять - десять, то оплата услуг адвоката будет стоить дороже, чем составляет процент, перекочевавший в карманы мошенников. Именно поэтому многие просто плюют на проблему, позволяя финансовой пирамиде «работать» дальше.

Впрочем, недавно Луганское областное территориальное отделение Антимонопольного комитета Украины оштрафовало некое ООО «Укрграндинвест ЛТД» на 68 тысяч гривен «за недобросовестную конкуренцию».

По результатам рассмотрения дела было установлено, что Общество опубликовало в газете «Бесплатка» рекламное объявление, в котором центральное место занимает слово «ссуды».

«Содержание информации, приведенной в рекламном объявлении, является вводящим в заблуждение вследствие умолчания отдельных фактов, а именно: в нем не определено, что Общество не предоставит заем сразу, а будет заниматься формированием группы клиентов Программы «Укрфининвест». Эта Программа предусматривает, в частности: привлечение денежных средств за счет ежемесячных платежей физических лиц, которые изъявили намерение получить ссуду; объединение полученных средств и их использование для приобретения товаров или предоставления соответствующей суммы взаймы членам группы, которые будут лучше выполнять условия программы. Фактически срок от заключения договора с Обществом о предоставлении услуг по программе «Укрфининвест» до момента получения товара или предоставления соответствующей суммы в заем может быть длительным, а конкретная дата получения физическим лицом займа при заключении договора по этой программе Обществом не определена», - говорится в сообщении пресс-службы ведомства.

 

Также отметим, что законы нашего государства ставят деятельность финансовых пирамид на территории Украины в разряд нелегальных.

 

Так, в мае 2012 года Верховный Суд Украины на основании Закона Украины «О защите прав потребителей» постановил действия «финансовых пирамидеров» считать преступными. В конце января 2013 года Нацкомиссия по госрегулированию в сфере рынков финансовых услуг обнародовала доработанный проект закона «О запрете финансовых пирамид в Украине». Данный документ якобы дает определение понятию «финансовая пирамида». Под «финансовой пирамидой» подразумеваются любые операции с финансовыми активами (средствами, ценными бумагами, долговыми обязательствами), осуществляемые с целью приобретения или возможности приобретения выгоды для себя или других лиц за счет перераспределения активов других людей. Вместе с тем, к понятию финансовой пирамиды не относятся операции с финансовыми активами, которые осуществляются финансовыми учреждениями при предоставлении ими финансовых услуг, перечень которых определен ст. 4 закона «О финансовых услугах и госрегулировании рынков финансовых услуг» или другими законами, которые регулируют отдельные рынки финансовых услуг. Кроме того, Уголовный кодекс дополняется нормами, которые предусматривают уголовную ответственность за умышленное создание условий для финансовой пирамиды, предложение участия в ней или привлечение финансовых активов с помощью финансовой пирамиды, а также в закон «О рекламе», согласно которым устанавливается запрет на распространение рекламы финансовых пирамид в Украине.

Как видим, остается достаточно лазеек для желающих ввести новую для современного рынка финансовых услуг «кредитную схему».

По словам директора Украинского аналитического центра Александра Охрименко, давшего комментарий на данную тему для «Известий в Украине», финансовые пирамиды по своей сути представляют «самый динамичный инструмент мошенничества».

«Загнать их в рамки конкретной правовой формулировки очень сложно. Мошенники прячутся под вывесками кредитных союзов, общественных организаций, объединений покупок в группах, а то и вовсе благотворительных фондов. Человек понимает, что стал самой последней ступенькой пирамиды, далеко не сразу. Самое интересное, что иногда этого не понимают даже правоохранительные органы и суды, которые выносят решение по искам жертв аферистов», - говорит эксперт.

 

Что касается привлечения организаторов «пирамидального бизнеса» к ответственности, то как сообщает пресс-служба Госпредпринимательства, согласно Закону Украины «О запрете финансовых пирамид Украины», создание финансовой пирамиды наказывается штрафом от 100 до 200 необлагаемых минимумов доходов граждан или ограничением свободы на срок от 1 до 3 лет. В случае, если те же действия будут совершены повторно или по предварительному сговору группой лиц, или такие, которые нанесут значительный ущерб потерпевшему, предусматривают ограничение свободы на срок от 3 до 5 лет или лишение свободы на срок от 3 до 5 лет.

 

Но, как прокомментировал «ОстроВу» информированный источник в правоохранительных органах, «проблема с такими «предпринимателями» «законодательно» все равно решается - по месту, и разоряться их не заставляет». Что правоохранитель имел в виду, догадаться несложно.

 

По приблизительным неофициальным данным, опубликованным украинскими СМИ, в 2012 году украинцы из-за участия в финансовых пирамидах обеднели на 350 млн. долларов. Не подтверждая данную цифру, хочется отметить, что все же объем распространяемой «кредитными союзами» рекламы растет и занимает все новые площади и источники. Несмотря на очевидность «разводных» составляющих, мошенническая схема не вызывает у доверчивых клиентов никаких подозрений на этапе оформления документов. А должна бы. С другой стороны, вчитаться в условия «кредитования», прописанные мелким шрифтом с уймой ссылок, уточнений и сносок, - все равно, что изучить лицензию майкрософтовского программного обеспечения. Тем более, когда милая сотрудница кредитного союза так «подробно» и доступно объясняет все условия. Обвинять «кредиторов» во лжи – бессмысленно. Скорее, в «недоговаривании», но это преступлением не является. Так что, всем желающим получить «легкий» кредит на «смелые мечты» можно лишь посоветовать читать и анализировать бумаги, на которых требуется подпись. А тем, кто уже попал на удочку мошенников – ровнять собственные взгляды, ведь зеркало не виновато и пенять на него не стоит.

Артем Брюханов, "ОстроВ"

 
 

 

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He / she initial the effects indicated their own views, he / she claimed; "this is a good wining for many people, many of us understand we will need to get half a dozen that will ten minutes, to remain for the best, while lastly got towards the aim, it is a huge action ahead for many people. Manchester united right after receiving the particular 7steps, there will probably be a number of peace, 50 % time I emphasize every person to figureout difficult, each of our staff performed very well, nevertheless the lack of overcom Manchester united has to be some type of muscle. [url=http://shirtssalecn.weebly.com/]cheap soccer jerseys[/url] The particular people following the online game is naturally grateful, any gamer is appreciated. "This 7 days the particular Leading League 2 game titles 7 days, Thursday Chelsea will administer in equals Tottenham, Benitez position the baseball incredibly severely, he / she claimed: "if you can easliy gain, we are going to always be while in the best four, however Tottenham can be a beneficial staff, consequently will probably be the top four positions belonging to the struggle, is the important. Seeing that this is the guarantee to do while in the best four, consequently we will need to try and gain the sport. This kind of online game many of us equally teams are extremely tricky, I need ideas of who've greater force, I understand we will need to gain. The particular setting in Stamford Link might be incredibly warm. "Today, Mata scored the particular receiving aim, however one more key find, Zal seemed to be sitting about the standard, your media reporter Jean Benitez concerning 2 man, the particular Spaniard claimed; "sometimes you have to develop people, Mata is belonging to the style. Check out almost everything he / she do for the staff, scoring numerous ambitions, and also numerous assists, the guy can turn into the particular season's gamer belonging to the year or so! Zal is instruction yesterday when the leg is impossible, he / she really should be all right. Many of us think currently, however dare certainly not probability. Wednesday's online game he / she may well appear, actual therapists will be with the pup, he'll always be alright. "When asked in case Rafael sent out of when the trouble, Benitez claimed: [url=http://shirtssalecn.weebly.com/]cheap soccer jerseys[/url] "I'm certainly not enthusiastic about them, We've seen in 2010 while in the Leading League two hundred identical car accident. Regardless, this kind of cards isn't going to modify the specific situation about the field. "After joining in The spring, the particular Chelsea history is beneficial, except for the particular FA Goblet Forget Stansted Town, five league game titles unbeaten, Europa League additionally joined the particular finals. In relation to the position when trainer, Benitez claimed: "when there are a beneficial staff, you are able to gain, the particular trainer is consistently claims, solely the particular associate involving staff about the field, they may be the important thing that will get different consequences. I must do my personal job, next time i got right here In my opinion you can easliy complete a beneficial outcome, currently the specific situation is beneficial. "The past query, media reporter Jean Benitez will enjoy the particular probability involving Chelsea, he / she claimed: "the staff continues to in move, the particular small people and a few complications ought to address. However in most game titles, you have to demonstrate that you just get acquired practical knowledge, subsequent time they should attain more practical knowledge, this kind of staff might be improving plus greater. "

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The United boss discipline Ferguson's disdain is perhaps Chelsea discipline Benitez, no matter the Gatwick and also Chelsea, Benitez failed to cave in to be able to Ferguson, at this point the top part several key discipline, Benitez perhaps reported, he's recently been all set to the reddish along with pink battle, along with Ferguson from the the sidelines command line community to be able to battle! Benitez because him or her self from the function connected with Liverpool's "cup expert", top Chelsea easily to the ultimate from the Europa Little league, however the little league possesses played simply they can ensure the factors from the leading several seats from the 34 round, the remaining several to be able to 3 rd play excellent, not necessarily excellent may slide to be able to junior high, [url=http://soccer-sports.webs.com/]wholesale soccer shirts[/url] Winners Little league qualifying measures will be halted from the life along with passing away Ferguson teased Benitez, therefore simply the value from the cv, the workforce inside his thoughts to be able to get to be able to high get ranking. Previous to Ferguson had not reconciled to be able to actively playing following mess Benitez in the face of obstacle and no get away. Soon after Fri, Benitez reach again in a media seminar from the terms connected with Ferguson, "he (Ferguson) do you find it suitable? Now there ought to be an increased excellent inside The eu? My spouse and i have no idea, we'll cease now there. "The important battle is concerning first, Chelsea less than extremely really, as well as the champ became his Man utd is a calm, yet they aren't going to send out the favor during tiny price tag, therefore as well as the online players on the bayonet, Benitez perhaps has been doing an excellent occupation along with Ferguson match on the battleground to the command line community, on the sidelines they reported: "the bishop trained from the areas on the borders, a person keep your pet (Ferguson) extremely close up, in order that if they wanted to battle, you need to go back (therefore if they really wants to battle, you need to battle). [url=http://soccer-sports.webs.com/]cheap football shirts[/url] (to be able to battle) My spouse and i don't possess virtually any challenges. ""The sun" reported, Benitez will be placed out there a really become minted foolish "sideline fight" dialog, since Ferguson in such a season's FA Tumbler after the a couple of groups found mauled Benitez not necessarily courteous, will not wring hands along with your pet on the sidelines. Was mandated to use "psychological warfare" against their particular Ferguson once again dismissed, Benitez continue to failed to have power, along with his plan along with Ferguson battle, and also speaking about the "psychological warfare". Benitez reported: "I desire to give full attention to football, tactical along with match up facts is a major. Inside The united kingdom, a person at times discuss internal discord, yet for those who have an excellent workforce, it is possible to get the species, the internal discord is a you do not desire to discuss alternative challenges. "

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Calling all new designers…and Shannon Doherty? ELLE
Calling all new designers…and Shannon Doherty?September 5 6:20 PMby ELLE 0 Comments Last night, the Gen Art Fresh Faces in Fashion show took place at the Manhattan Center Grand Ballroom. Known for showcasing the best up and coming talents, the collections [url=http://www.ccoachfactoryoutlets.com/]coach factory[/url] did not disappoint. Some of the my favorites were Lialia, which showed very feminine designs full of ruffles, flower prints and bright colors, CRHEE, which had some very sexy black open-back pieces, and JF & Son, which the jewelry reminded me of Dries von Noten's S/S 07 line. From left to right: Lialia, CRHEE, and JF & SON Even better [url=http://english.ipp.ac.cn/coachoutlet365.html]cheap coach outlet[/url] than seeing the next big designers, Shannon Doherty was there to support these rising stars. Back in the limelight since reprising her role on 90210 as Brenda (and making up with Jennie Garth), Doherty is literally one of the hottest celebs out there right now. We caught up with her backstage after the show about her favorites from the show, how it is being back on the set of 90210 and all the thought that went into Brenda's style (and, just to put an end to the rumors, she is REALLY nice—no joke). —Meredith Stebbins ELLE.com staffer Kate, me, Shannon Doherty and ELLE.com associate editor, Erin, all backstage after the show ELLE: Which one was your favorite designer? Shannon Doherty: [url=http://english.ipp.ac.cn/coachoutlet365.html]http://english.ipp.ac.cn/coachoutlet365.html[/url] Obviously, I really liked CRHEE. I am wearing one of her design. I am wearing another one of her dresses for Regis tomorrow morning. EL: What other shows are you going to this week? SD: Well I have to get back to work, back to 90210, but I am thinking about [url=http://www.ccoachfactoryoutlets.com/]coach factory[/url] coming back because I love fashion week so much! EL: How is it to [url=http://www.ccoachfactoryoutlets.com/]online coach factory outlet[/url] be back [url=http://english.ipp.ac.cn/coachoutlet365.html]coach outlet factory online[/url] on the set of 90210? SD: It feels great and it's really fun. Most importantly, it's a really good cast. EL: How is the fashion on the show? SD: "I get really into the wardrobe. I am a fashion whore. I will admit it, I live for it. The costume designer, Deborah, is amazing. You know, when I agreed to play it, I had this discussion with her about where Brenda had been. She had been in London and was this successful theater actress, but she also has spent some time in New York. How do we combine that New York style with somebody from London who is edgy, like Kate Moss? So we have been playing with that and combining the two and I think my clothes are fantastic on the show. Tags:

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Rodney Yee Clarifies The Heart Chakra (Video)
Acclaimed global yogi Rodney Yee discusses and explains the Heart Chakra (video)
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Cocktails & Controversy At Creative Time Benefit ELLE
Cocktails & Controversy At Creative Time BenefitNovember 18 7:31 PMby Johnny Misheff 0 Comments Photo: BFA NYC This year's Creative Time Ball took its theme and title, "Flaming Youth," from London's iconic Chelsea Arts Ball, a costume gala created to raise money for the arts. The non profit organization, now in its 37th year, took the concept and ran with it, decorating their downtown space with wonderfully wild hexagon-shaped 3D video installations.  They handed-out costume accessories made by creative agency We Came In [url=http://bagsoutletsonlines.com/]coach factory outlet[/url] Peace and installed a body painting station wo-manned by Shantell Martin.  Also, artist Jacolby Satterwhite pirouetted through the crowd like he'd gone crazy while wearing an incredible [url=http://coachfactoryoutlet2w.webs.com/]Coach factory outlet online[/url] video-projecting robot spacesuit number. In between fits of dancing to DJ Mia Moretti, we chatted with the Lake and Stars' Nikki Dekker and Maayan Zilberman, who've been the subject of controversy thanks to their latest campaign.  The images, featuring a beautiful mother-daughter team posing in [url=http://coachfactoryoutlet2w.webs.com/]http://coachfactoryoutlet2w.webs.com/[/url] TL&S' sublime lingerie, haven't been welcomed with open arms.  "It's been pretty crazy," Dekker told us. "[The mother and daughter] were very sweet about the whole thing," she continued.  [url=http://bagsoutletsonlines.com/]coach factory outlet online[/url] "She sent a bunch of them to us," she said of the critical letters the mother received. "We got a good laugh out [url=http://coachfactoryoutlet2w.webs.com/]Coach factory outlet online[/url] of it, honestly," Dekker told us, just before selecting a slice of pizza [url=http://coachfactoryoutlet2w.webs.com/]Coach factory outlet online[/url] dangling from a hook attached to a long pole a couple of staffers were passing by with. Creative Time's commitment to public art (and other fascinating culinary treats) has been unwavering since its inception in 1974, and the innovative and extraordinary parties they throw have added a vital cultural spark in recent years. Art and fashion world darlings feted the night away, including Mariko Munro, Carlos Quirarte, John Neidich, Mariyln Minter, Maayan Zilberman, and Daphne Javitch.  We look forward to their next bash! Tags: Daphne Javitch The Lake and Stars Creative Time

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Chloe Celebrates 60th Anniversary Chloe Barneys New York Anniversary Party ELLE
Chloé Celebrates 60th Anniversary With Barneys New York and Chloë SevignyMarch 14 10:30 AMby Samantha Lim 0 CommentsPhoto: Getty ImagesLast night at Barneys New York, the fashion pack gathered [url=http://herve-outlet.com/]herve leger outlet[/url] to fête the 60th anniversary of Chloé—but even if you [url=http://herveldresses.com]herve leger dresses online[/url] don't have archival pieces in your closet, you can start collecting now. In honor of the big birthday, the French label selected 16 iconic runway looks and reproduced them, and now Stella McCartney's famous pineapple print, Phoebe Philo's wooden wedges, and archival pieces from Gaby Aghion and Karl Lagerfeld are currently hanging on Barneys's loaded racks. Among those who got first dibs on the new/old collection were DJ and fashion darling Harley Viera-Newton, who played '90s hip-hop while guests like Cody Horn and Leigh Lezark [url=http://herveldresses.com]herve leger dresses[/url] mingled around mountains of pink and white flowers, big screen TVs streaming old runway shows, giant pink cotton candy sculptures, and balloons wrapped in blonde and pink wigs (They were channeling [url=http://herveldresses.com]herve leger dress[/url] the surreal window installations commissioned by hairstylist Bob Recine). Actress Chloë Sevigny—who starred in the brand's 2008 beauty campaign—wore a vintage Chloé dress designed by Karl Lagerfeld in the '80s—something she's had in her closet since her teens. “I would get the perfume for my birthday when I was a little girl, and I started collecting vintage Chloé from the '70s when I was 19," she said. "It is such a beautiful brand, so girly, and not afraid of being feminine." Legendary model Pat Cleveland glided around the room wearing a vintage dress she once wore on the Chloé runway. "I see lots of other dresses here that I wore on the runway that remind me of such wonderful times," she mused. "Changing into those clothes, slipping on the dresses... it was orgasmic! It was like walking through the doorways of your best imagination. This brand reminds us we can be soft and crazy at the same time." See Chloé's entire Fall 2013 collection here. Read the latest breaking fashion news.

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Yoga Video with the Week - shakti mhi
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