In the era of growing needs, the budget is not always enough to meet them. Then we reach for additional financing from a bank or a loan company. However, among reliable and secure lenders, there are dishonest ones. We should report them to the relevant institutions. What? Read.
Are loan companies secure?
In Poland, loan companies, in order to operate in accordance with the letter legally, must base their activities on the regulations imposed by the Polish legislator. And this is the Banking Act and the Consumer Credit Act. Just because they shouldn’t mean that they all work like that. To verify this, you need the action of the relevant state authorities. In summary, usually companies that provide additional funding are safe.
However, let’s be vigilant, check the opinions online. Let’s ask friends what companies they would recommend. Do not use companies that you will not find on the Internet. Let’s not commit to lenders who don’t have a registered business. We should not sign contracts if we have any doubts about our subsequent security with the payment of obligations.
If the loan company is honest and reliable, then we’ll find all the information we need without a problem. Thanks to this, we will be sure that by using financing we can efficiently achieve our goal and the company we are committed to is honest and safe.
Is it worth using loan companies?
Somehow this is a rhetorical question. When we do not have time to collect a lot of documents that the bank is waiting for and we do not have adequate creditworthiness or even creditworthiness, we can use a better solution. Additional financing in the form of a loan from a loan company is an ideal product, made to measure.
Today’s secure loan companies are a team of professionals who are able to serve customers in a stationary facility very efficiently and without problems. But they also have their hotlines if there are customers who do not have time to complete the formalities in person and prefer to do so by phone.
And for completely modern clients who want to make a commitment online, simple and convenient websites await, where you only need to complete a short loan form and after a moment of verification we will receive various offers. Just choose the one that best meets our expectations.
Where to look for the best loan services?
We probably know that the best brands promote customers themselves with good opinion and recommendations. And we should look for these good opinions if we want to take advantage of additional financing from a loan company. We will find plenty of such opinions in popular search engines on the Internet.
We can also ask for the opinion of friends who have already used such websites. Their experience will be significant for us when choosing a specific website. The main thing is not to make a commitment in a company that we know absolutely nothing about. Because it always raises the risk that in case of ours or our company’s problems, there will certainly be problems. And yet you can avoid it.
Who can get a loan – conditions
Polish loan companies provide financing in the form of loans or credits on very transparent and simple terms. Customers expect minimal procedures because they care about time. But it’s important that everything happens in accordance with the law. In order for us to receive a loan, the company will expect us to meet several elements:
- Filling out the loan or credit application form
- Providing your name and surname in the application
- PESEL number
- What loan amount we are interested in
- At what time will you want to repay the liability
- Sometimes you should attach a statement about your monthly expenses or other commitments.
The application or form filled in with basic data will be verified very quickly so that the loan company can present offers from which we will choose the right one for you.
How and where can I report dishonest loan companies?
If we have been deceived, misled by a loan company that has granted us a loan or other additional financing, we cannot wait helplessly until the matter resolves itself. Because it depends on us whether we will set the course. The first steps we should take is to report fraud to law enforcement authorities and to contact the Office of Competition and Consumer Protection.
There, we can also file a complaint about a dishonest loan company. If, however, we want to resolve the matter amicably, then we will find a lot of companies on the network that claim claims from such entities amicably. It’s always worth a try and such a path if there is a chance to win the case.