to Complicate the procedure of receiving the credit advice from the experts of the Russian public initiative. Before going to the Bank for the money, the borrower will offer to be celebrated in a special database through MFC or portal.
Such measures activists believe is necessary to combat scams that take loans on the nominees. In the result, the unsuspecting citizen after months or years learns that his personal details were intercepted by the scammers, and he owes the Bank a large sum. To make life difficult for the schemers, the authors proposed to introduce a system of confirmation of the will of the borrower. Once Bank pre-approves the loan by phone or through the Internet, the customer will have to go to the MFC or go to the portal and fill in the application. So it will be fixed real desire to take the money. According to public men, such a mechanism would be a reliable protection from the loans without the knowledge of the borrower. And at the portal to confirm its intention and personality can only be in respect of small amounts. The authors have provided a very unpleasant scenario: the citizen and passport stolen, which can take a fake loan, and mobile application “public Services”. In this case, if the loan is assumed to take cash or to issue the credit card to 20 thousand roubles, it is recommended to make a personal visit to the MFC. Once the data about the potential borrower will be in the database, the system will give him a unique code. Without it, the money Bank clerks will not give. To give credits to bypass the new rule, bankers would be unprofitable. The authors propose to enshrine in the Civil code, in this case, the creditor loses the right to recover the debt through the courts and collectors.
