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Off topic & small talk: Loan restructuring contract, need advice

Topic created on 13th Jun. 2018 | Page: 1 of 2 | Answers: 11 | Views: 3,666
Anonym

Loan restructuring contract, need advice

13th Jun. 2018, at 10:17 pm CEST#1
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Hey guys,

I need your advice, I have searched the Internet for a loan, because it is not so easy as a trainee I came to such a credit comparison portal. (Actually non-binding)

And now I had already the second time mail from "Exilium Finance"
They sent me a credit reorganization contract. Of course I have seen that it is a scam and have not signed anything and shredded the letters.

Now my question, if I have not signed anything, I do not need to fear that there is something coming to me, right?

Because they had written in their letter something about "binding contract" and want some kind of agency fee...

Or should I still send them a revocation?

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Anonym

Loan restructuring contract, need advice

13th Jun. 2018, at 10:32 pm CEST#2
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Liked this post: Avatar von sonne10 sonne10
Basically, you can revoke two weeks, should you have actually concluded anything. Did you prove your identity via webident or similar or did you sign anything on the way?

But with this "rehabilitation" is such a thing... How is your gambling behavior? Does it go well for a short time afterwards and you fall off the wagon? Let it be good advice to you and don't start making up debts with loans and then rescheduling later, etc. It's a downward spiral, believe me. Seek professional help. Especially as an apprentice you are still young, so please try to get out in time

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S****n

Loan restructuring contract, need advice

14th Jun. 2018, at 02:26 am CEST#3
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I have often received such offers by mail. As long as you don't sign anything, nothing can happen to you.
Because they would have to prove to you that you have signed something. And they can not.

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Anonym

Loan restructuring contract, need advice

14th Jun. 2018, at 02:42 am CEST#4
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As long as you don't use the money for gambling and don't spend it directly. In addition, I would NEVER accept a loan that does not come from your bank, because the loans from such sites as Maxda or other companies have very high conditions. You'll only get yourself into more Debt and eventually lose your footing.

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Anonym

Loan restructuring contract, need advice

14th Jun. 2018, at 06:38 am CEST#5
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Thank you for your answers.
@Schorsch no, I have actually signed nothing and also made no webident or similar.
I'm not quite as young as it sounds, it's my 3rd apprenticeship which will be completed next Tuesday.
And I am not so extremely addicted to gambling that I need professional help.

@ShinShan Ok I think so too. As long as I don't sign anything, nothing should happen. Threw the crap in the trash right away

@Danielowitch Yeah, my local bank wouldn't give me a loan. That's why I had looked on the internet, but that's a lesson for me 😬

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Begbie
Elite

Loan restructuring contract, need advice

14th Jun. 2018, at 08:15 am CEST#6
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this is a rip-off. don't be intimidated.
as long as no signature has been made, physically or via webident, they can write whatever they want.
google lux finanz or something similar. they are all the same scammers.
you could ask directly (not via an intermediary) at sigma bank in lichtenstein. sounds dubious at first, but they are not.
the interest rate is a bit higher, but since the maximum amount they lend is not that high, it is manageable.
https://www.sigmakreditbank.li/

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Anonym

Loan restructuring contract, need advice

14th Jun. 2018, at 08:16 am CEST#7
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Was only well meant ðŸ¤-😉

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W****m

Loan restructuring contract, need advice

14th Jun. 2018, at 08:40 am CEST#8
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ScottyP wrote on 06/13/2018 at 10:17 pm: Hey guys,

And namely I would need times your advice, I have searched on the Internet for a loan, since it is not so easy as an apprentice I came to such a loan comparison portal. (Actually without obligation)

And now I had already the second time mail from "Exilium Finance"
They sent me a credit reorganization contract. Of course I have seen that it is a scam and have not signed anything and shredded the letters.

Now my question, if I have not signed anything, I do not need to fear that there is something coming to me, right?

Because they had written in their letter something about "binding contract" and want some kind of agency fee...

Or should I still send them a revocation?


Hello ScottyP,
you should not worry about it, I understood that you wanted to make a loan comparison on the Internet and you offered the company from Ahlen a credit reorganization contract, for which it now claims a processing fee, although a contract has not come about. You can now do the following, you send them by mail an objection, with the wording, if mistakenly in my credit comparison of (date) a contract with them has come about, I revoke this. Since you have signed nothing, you can also have received no revocation instruction and without this a contract is not valid . This Exilium Finanz will probably continue to demand their 300, - euros and threaten a judicial dunning procedure if you do not pay, this is part of the game, you must not be impressed by it, do not pay in any case. If a judicial dunning procedure is really opened, you must file an objection in due time with the court, then a date for a hearing will be set and here the story also ends, in court the company Exilium will have difficulty justifying their claim and withdraw the claim. Such companies live on threats, fear and the ignorance of other people and try to bring others out of their money, a loan never wanted to mediate or compare you, that's why they call their product credit rehabilitation.

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Begbie
Elite

Loan restructuring contract, need advice

14th Jun. 2018, at 08:50 am CEST#9
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i wouldn't answer in any case. then they go on your nerves all the longer.
here helps only consistently ignore, no matter what they write.

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Anonym

Loan restructuring contract, need advice

14th Jun. 2018, at 10:58 am CEST#10
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@Schorsch I do know and I appreciate it.

@Begbie Thanks, I'll take a look.

@Wolfram Thanks for your answer but I think I'll ignore them completely. Until now they want me to sign a contract and send it back. But I will not do that. 😃ƒ

I just sent them an email that they should delete all my data from your system. So let's see if there is still something coming.

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