You can insure an apartment, a car, even your life, but unfortunately, it is impossible to insure against deception. However, there are cases when people are deceived even in reputable banks. And in order to protect yourself, you need to know them.
Vigilance will insure you
Most often, in banks, customers do not meet with open deception, when they are told false information or crank up some kind of scam, but with pitfalls. A banker, wishing to conclude a successful deal, thinks first of all about his own benefit. He is simply holding back facts that you may not like or alert you. Therefore, do not hesitate to ask questions, ask about all the details.
The bank employee is obliged to provide you with real information. And if suddenly he begins to hesitate, trying to smoothly transfer the conversation to the advantages of the offer, then it should be clear that the banker is not saying something, and this is clearly not in your favor. Do not be afraid to seem like a narrow-minded person in his eyes, you have the right not to understand banking matters. And it is better to ask the same question twice, but at different moments of the conversation and in different wording. Then you can compare the answers and understand if they are not hiding anything from you. This also applies to the agreement that you conclude with the bank. Feel free to spend a specialist's time and re-read the entire contract. It is his job to serve the client, including familiarizing the client with the contract. And in no case put your signature under the agreement if even the slightest detail confuses you, no matter what the bank employee tells you. It is better to come to the bank later, having previously consulted a lawyer.
Check immediately at the checkout whether the money has been transferred to your account. A bank employee can transfer them to someone else's account. After a while, you will not be able to prove that you wanted to pay off your loan, and not a stranger.
Life lessons
Unfortunately, there are cases of open deception by bankers. At the same time, you are faced with a real crime, which must be immediately reported to law enforcement agencies. However, in this case, the criminals may no longer be found. In order not to be deceived, try not to leave photocopies of your passport data in questionable places. And even more so, do not give your documents to anyone for a long time, do not let them out of sight.
So, one man, passing an interview in the company, left there a photocopy of his passport. And after some time, they began to demand payment of the loan from him. It turned out that a company employee and a bank specialist together illegally issued a loan for this person, and took the money for themselves. And this scheme worked for a long time, because everyone left their data in the company. And if your passport is stolen from you or you have lost it, immediately report it to the police. Cunning swindlers can easily take out a bank loan using someone else's passport. You will find out about this only when they start calling you with demands to pay off the loan and the accrued interest.
Do not withdraw more money from your salary card than it has. In this case, an overdraft agreement is opened. And without signing any documents. You may not soon find out about the loan that has appeared.
You can get into an unpleasant situation without doing anything at all. For example, companies that have appeared that issue microzams to the population without guarantors sometimes ask the phone numbers of friends who can vouch for the debtor. It is illegal. And, if the person who took out such a loan does not give it back, but they start calling you, then this is also a reason to contact the police. If you did not sign any documents as a surety, then they have no right to demand money from you.
