Das Mikrokreditunternehmen VAYVND vergibt online und in Filialen Mikrokredite an Privatpersonen.
Das Mikrokreditunternehmen FinaGuru vergibt kurz- und langfristige Online-Kredite an Privatpersonen. Die Organisation verfügt über kein Filialnetz, sondern arbeitet dezentral über das Internet.
Creditnice ist ein Mikrofinanzunternehmen, das seit 2013 tätig ist. Es ist auf Kredite mit Online-Abwicklung spezialisiert, unter anderem für die Bezahlung von Einkäufen bei Partnern; es stellt auch virtuelle Kreditkarten aus und bietet Kreditlinien an.
Loan without subscriptions and paid services
Paid services and subscriptions are additional services that the client has the right to refuse not only when concluding an agreement, but also after payment. If a borrower wants to take out a loan urgently, the company cannot force him to purchase unnecessary options; this is against the law.
We recommend finding another lender and filing a complaint against the MFO, which:
Does not allow you to complete an application without connecting personal insurance or notifications, calls these options mandatory
Automatically ticked the contract, indicating the client’s consent to pay for unnecessary services
Does not disconnect services at the request of the client, does not return money
Adds hidden fees for something that should be provided for free
How to disable paid services and subscriptions
Fill out the automatic subscription deactivation form online on the microfinance company’s website
Contact the service provider directly with a free-form application containing a request for a refund
You can disable insurance and other unnecessary options with a full refund of the money paid during the cooling-off period, which lasts 14 days after the conclusion of the contract. The company must return the entire amount within 10 days. If you send the application later, the amount of compensation depends on how much time has passed and whether the client used the service.
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