House of Representatives, May 27 – Warning, must be aware, prevent before being deceived Suggesting landmarks for loan apps outside the system - fake, different from legitimate apps not getting enough money Plus being charged with interest - brutal debt collection
Ms. Trisulee Trisoranakul, Deputy Spokesperson for the Prime Minister's Office, said that online financial services are now available in a variety of ways. especially credit through applications Users are popular because of their convenience. but become a channel for crooks to deceive Snatch and take advantage of the people. There are examples seen in the news from time to time in the media.
The Bank of Thailand (BOT) has recommendations on how to observe loan applications that look like apps. The address in the system has been directed by the National Bank. What kind is an app? informal loan Or what nature is a fake app for knowledge to prevent people from being deceived by crooks
Ms. Trisulee said that in the case of legal loan applications Must be an app of a service provider that has been authorized by the Bank of Thailand, which currently has 39 financial institutions and 120 non-banks (non-bank) authorized people who are interested can check. from the BOT website or visit https://bit.ly/3OG6vb7_BOT_license-loan
Authorized service providers are regulated by strict laws. Pay off the loan in full according to the loan amount. and charge interest rates as required by law That is, personal loans must charge no more than 25 percent per year, personal loans (Nano Finance) no more than 33 percent per year, credit cards no more than 16 percent per year. You can compare interest rates and terms of giving. Each loan can be obtained at the BOT website https://app.bot.or.th/1213/MCPD/ProductApp/PersonalLoan
Ms. Trisulee said that if someone offers to provide credit services through the app. Please check the list of authorized persons through the above channels first. If checking and not finding the name or has a name, but the product presented does not match what has been reported to the BOT. Please anticipate that it is a possible fraud, either an informal loan app or a fake app.
In the case of an informal loan app, the loan will not be given in full amount according to the borrower. For example claiming to be deducted as a processing fee deduct interest in advance But the borrower still has to pay the full amount. interest charged The fines are much higher than what is required by law. short repayment period Intimidation and harassment of debt collection, which is the most common case when an application is installed on a mobile phone The lender will have access to the borrower's phone contacts. A message will be sent. or call people according to the phone list to intimidate Shame the borrower, etc.
If it's a fake loan app, it will trick you to transfer money to expenses first, such as guarantee fees, contract fees, and then continue to transfer. but in the end did not actually lend
“The government has improved laws and work processes. Accelerate the elimination of scammers that spread in many online channels. But a warning to the public to be careful. Keep up with the scammers Know how or how to compare the financial services in online channels It will be an important prevention and can reduce a lot of damage that occurs, ”said Ms. Trisulee.-Thai News Agency
Source: Thai News Agency