Mobiel geld lenen, jij ook?

Latest news from Rechtszakelijk Juridisch Advies

31/01/2008

Mobile borrow money, you also? Delicious yet, you are in the pub and is without money. You do not want to declare to one or other ATM because you already know that your balance is even lower than the alcohol content in your blood. What's easier than using your phone borrow money. It may be 21 years since the Luilekkerland increases in the debt collection agencies. Minikrediet We are talking about providing a minikrediet up around € 400, - depending on the provider. The duration varies from 15 to 30 days and the behandelkosten range from''only''€ 20, - up to € 100, -. Please note that the suppliers do not charge interest but handling. Goh do you think that is surely bring? More than 1000% interest on an annual basis Well, if you so. The requested rate increases from 20% to 25% every two weeks. This is a simple interest rate of 650% per year. In consumer credit we usually count with effective interest rates and then to get on over 1000% per year. Do you now still cheap? The providers of minikredieten or flitsleningen focus on the individual who needs quick money. Completion of a new appropriation is only possible if the previous appropriation is repaid with which the market should regulate itself. However, as providers of each other's data may not be familiar with the wanbetaler simply the next time when a new party also voluntarily victims. Aggressive marketing The Dutch market is now only the first phase of what is a very aggressive money market. If the young adult through his cell phone once a minikrediet is undertaken, the terms and conditions are accepted. The provider will continue his client''bomb''with advertisements on his mobile phone. You can imagine that, for example, a holiday vierende younger daily, through direct marketing on his cell phone, approached with the question of whether he still wants to borrow something. Hard to resist for, and often with holiday money shortage geconfronteerde young people. Regulatory and Kamervragen The providers of minikredieten are not covered by art. 35 Wck (Law on consumer credit). These amounts are currently 12 procespunten and excludes credit with a maturity of less than 3 months. We must ask ourselves if the legislature not in a position to attain these new constructions around to see what needs to be done with our legal in the Netherlands. Meanwhile, there are Kamervragen down by the Labour Party but is legislation not yet in sight. Loan Shark According to the Government, a comparison with a geldwoekeraar not. After all those things are doing is not legal. Possibly the Minister explain how many in the illegal circuit can borrow money cheaper than the providers of flitsleningen. The Nibud (National Institute for Budgetvoorlichting) is of the opinion that provision of these loans must be prohibited. Kredietverstrekking is irresponsible for people to come to a standard of living under the subsistence. (According to the MvF and State Secretary). A remarkable statement since this notice even contrary to the mainstream providers of credit facilities. The WSNP (Law Debt Management Natural Persons) is not for nothing filled with the burden of citizens who oa Loans with high interest rates can no longer bear. The minister then explains the responsibility to the providers of credit which in a manner of speaking, drugdealer saddled with a moral responsibility for the product which he sells. The core of my argument may be clear to you. AFM and BKR It has now become clear that the AFM (Authority for the Financial Markets) by the leningstermijn of 3 months may not active. Unclear yet is the role of the BKR. The terms and conditions of voorschotje.nl speak of the right to information to the kreditni that a potential overlap with the Bureau Credit Registration is very possible. Victory Legal Advice will further inform and to come back on its website. (Http://www.victoryadvies.nl). Conclusion It is clear that accepting and not limiting of the requested high interest rates, the government aanveegt floor with the intention to implement an active schuldpreventiebeleid (which supposedly is the desire of the State Secretary for Social Affairs and Employment). This new money is on the corn husks of the already barely controlled market of debt collection agencies and will ensure that our legal system even more overloaded. Whereby also many families will be immersed in misery and will drift into exactly what the government wants to avoid, namely difficult soluble debt. Do you need defense against a collection and you can no longer pay your lawyer go to our website if only for the tips. For a good and reliable geldlening can be better to sites such as http://www.bedraglenen.nl Author: J. Terlingen Victory Legal Advice.