A payday loan for private individuals

We use payday loan when we need additional financial support. At present, we can decide on both bank payday loan and non-bank payday loan. What’s more, we can also borrow payday loan completely via the internet.

A broken fridge, a holiday trip, a new car, a family party or a great handbag on the sale – the opportunity to take a payday loan is very much. For a payday loan, we can go to a bank where we already have a bank account, we can also choose another bank or a non-bank institution. We can take a payday loan for a month or a few when we need a payday loan for private persons , so we have a choice.

A tailor-made payday loan

Today, we can adjust the payday loan individually to meet your needs, as well as the possibilities. We do not have to compromise, so the installment payday loan can meet our expectations completely. In the search for appropriate payday loan, special internet websites containing calculators and rankings are also very helpful.

The payday loan does not have to be difficult to pay. Currently, we can determine not only its amount and repayment time, but also choose the repayment day that is most convenient for us or the form of installments (equal or decreasing). In the case of selected non-bank companies, we can also use the option of extending the repayment period if we are unable to pay installments on time.

On convenient terms – even just for proof

Currently, we do not need to report a pile of documents in order to get a payday loan . More and more banks and payday loan companies do not require special income statements from their clients.

In the case of payday loan for smaller amounts, all you need is a statement, and some payday loan companies do not have any additional requirements besides presenting your ID card. This means that we can also receive financial support if we could not count on a bank payday loan.

Now also via the internet

Internet turned out to be a real revolution in the payday loan market – with its use, we can also apply for payday loan for individuals and companies without having to leave the house. It is really very fast, comfortable and additionally safe. Internet payday loan offers can be found both at banks and non-banking companies.

On-line bank payday loan are mainly targeted at customers who already have bank accounts established . Based on their history, the bank determines the client’s creditworthiness and offers a payday loan – just a few clicks to get it.

Non-bank payday loan on-line are also very popular. It may be short-term, but we also have installment payday loan for higher amounts. In order to receive money, even on the same day, complete the application and after accepting it pass the verification procedure – sometimes it involves transferring the symbolic amount of 1 zloty to the lender’s account, which is usually returned later

Therefore, when a payday loan for a private person is needed, we have a range of proposals for each circumstance!

Frauds on Loan Applications are Strictly Punished

In today’s and contemporary societies, credit of any kind is a commonplace matter, whether for the functioning of the household or for business purposes, for example. However, people often underestimate the accuracy of the data entered in the loan application. In doing so, credit fraud can be very easy. Suspension of outstanding loans, misrepresented income and expenditure, forged admissions or lies on the number of dependent children. These are the most common offenses for loan applicants. The number of people prosecuted for credit fraud has increased in recent years.

Image result for fraud loan applications

 

What is Credit Fraud?

What is Credit Fraud?

Although credit fraud is currently a very common criminal offense by the Czech courts, this fact is not widely spread among the Czech population. People think that if they can help to get a small lie, nothing can happen. In fact, they commit a crime, even with smaller loans in the order of thousands of crowns . The facts of the crime of credit fraud are defined in Act No. 40/2009 Coll., Criminal Code, as amended. These include false or grossly distorted data, or the concealment of essential data when negotiating a credit agreement or in connection with drawing a loan . By negotiating a credit agreement, not only is the contract itself, but any document or negotiation with the negotiation of the credit related. Nor is it conclusive whether the credit agreement was at all or that the loan was actually provided. In order to complete a credit fraud offense, it is therefore not necessary for the damage to occur .

 

Statistics speak clearly

Statistics speak clearly

According to statistical data of theSir Fretful Plagiary, it can be ascertained that as of 30 November 2017 the total debt of Czech households amounted to CZK 1,077,762 million for housing, CZK 274,305 million for consumption and CZK 155,371 million for other. Almost half of the loan applicants do not hesitate to get it . Common impropriety is the concealment of other credits and liabilities, false information on income and expenditure, the number of dependent children, and so on. ” Exceptional is not the falsification of the income statement from the employer ,” says Robin Stránský, marketing manager of the Czech company Sir Fretful Plagiary. People often think that amounts ranging from thousands to tens of thousands can not be a serious offense, but figures show that the number of credit fraud has increased in recent years. “The Czech Police reports for the year 2016 report a total damage of CZK 1.4 billion. By September 2017, the damage from credit fraud has already exceeded 2 billion crowns , ” says Robin Stránský.

 

You can commit credit fraud anywhere

You can commit credit fraud anywhere

TheSir Fretful Plagiary itself is aware of the gravity of the problem. On his website, he therefore informs the applicant of the consequences of fraud. Loan frauds do not allow people to deal with banks alone . “Credit fraud can occur in connection with drawing a credit or negotiating a credit agreement not only with banks but also with all non-bank entities that are authorized to provide consumer loans,” notes Robin Stránský. The fact is based on the opinion of the Supreme Court of the Czech Republic, which has ruled that the provider of a credit agreement for credit fraud is not only a bank but also banks, savings banks or other entities if the relationship is governed by a credit agreement (ie all non-bank entities authorized to provide consumer credit with respect to Act No. 257/2016 Coll., on consumer credit, as amended). “According to our estimates, every twenty-one claimant for our loans is trying to credit fraud,” adds Robin Stránský.

 

When it comes to falsifying data

When it comes to falsifying data

For false data, we consider data whose content does not correspond at all to the factual state on which the information is communicated. The conclusion made about past untruths then does not affect the fact that, once the loan agreement has been negotiated or when the loan has begun, the data is brought into line with the actual situation. ” The decisive factor is the day when false information was given ,” explains Robin Stránský. Credit fraud continues to occur when a person discloses grossly distorted data, communicates information that he or she misinterprets or incomplete about matters important for the negotiation of the credit agreement or for drawing the loan, or completely conceals the material data.

 

There is a prison term of up to two years

There is a prison term of up to two years

Credit fraud may be imposed a custodial sentence of up to two years or a ban on activities if the perpetrator committed a crime in connection with business. Account shall be taken of the amount of damage incurred and the fact whether the perpetrator has already been punished for such an act. A higher penalty rate of up to three years is applied in cases where an offender has already been convicted or punished for credit fraud in the last three years. If, at the same time, it causes damage of CZK 50,000, it may be punished by imprisonment for one to five years.

 

Credit fraud is not the same as the crime of fraud

Credit fraud is not the same as the crime of fraud

In connection with the negotiation of consumer loans , fraud is also very often prosecuted . “Unlike credit fraud, there are no false statements. The bottom line is that the fraudster is already lending money with the intention of not returning it , ” says Robin Stránský. Punishments are basically in line with punishments for credit fraud. “The Criminal Code affects fraudulent conduct in negotiating consumer credit strictly. However, I have to state that, when such behavior increases and the police authority has to pay their attention to them more and more, these strict sanctions are needed, ” concluded Robin Stránský.

Electronic Bank Loan

Obtaining money instantly to make urgent expenses is no longer a complicated process. If you collect your assets in the Banco de la Pampa, you have the Electronic Loan, with which you can access a convenient, easy and fast line and cover the expenses you need. You can obtain it instantly both at Red Link ATMs and through Pampa Personas Home Banking. Get your Easy and Fast Electronic Loan!

Benefits

Benefits

  • No granting cost, no life insurance expenses.
  • Immediate availability, since the amount is deposited in your Account, being able to dispose of the funds that same day, either in cash from any ATM, for purchases in stores with the Maestro Pampa 24 Card or for payments and / or transfers by ATMs and / or by Home Banking Pampa Personas.
  • Simple to obtain in any ATM of the Red Link, or by Home Banking Pampa Personas. Availability 365 days a year, without queuing, without paperwork, or documentation to submit.

Requirements

Requirements

  • Collect your salary in Salary Accounts / Retirees Account of Banco de La Pampa.
  • Maestro Pampa 24 card.

Additional considerations

Additional considerations

  • The requested amounts may not exceed the credit limit pre-agreed by the Bank, which will be informed to the Applicant through the Automated Teller Machine (Link / del Banco) or the corresponding electronic channel.
  • The capital of the credit will be paid in monthly and consecutive installments that will include capital, interest and taxes (current or future). If there are alternatives regarding the number of installments, the Applicant must opt ​​for one of them.
  • The credit will accrue interest at a fixed rate that will be calculated on balances of capital owed, and will be paid in arrears. The calculation of interest will be made on the basis of 365 days per calendar year.
  • The form of payment of the credit will be through debit in account, in which the Applicant receives his / her Benefits / Benefits and / or any account of his / her ownership.
  • The loan may be pre-paid in full or in part by the Debtor at any time, and must pay all the accrued items until the date of effective payment. To carry out this operation, the client must pay a pre-cancellation fee equivalent to 4% of the pre-paid capital, with a minimum of $ 200 and a maximum of $ 2,000.
  • All commissions, the value added tax, and other current and future National, Provincial and / or Municipal taxes and / or fees generated during the term of the credits shall be borne by the Client and shall be added to the installments thereof. .
  • The Bank will include the debtor, as long as it is insurable, in the Collective Life Insurance Policy of which the Bank is a Beneficiary, in one of the Companies selected by Banco de la Pampa, for an equivalent insured sum to the balance of the debt by Capital derived from the credit, understood as such to the balance of the debt constituted by the net interest and other charges due after his death.