The National Commission for the Protection and Defense of Users of Financial Services (Condusef) pointed out that the mountadeudas They are a danger to public safety in Mexico and this is what he recommended for prevention.
As shared in the document ““Mountains” of the Ministry of Finance and Public Credit, the Financial Intelligence Unit identified different complaints of Apps that lent money with minimal requirements.
However, after falling into the trap of apps that posed as financial institutions that breached the terms of the loan, accessed personal data and if they did not comply, they threatened: mountadeudas.
Debts are a threat to public safety in Mexico: Condusef
It was at a press conference that the president of Condusef, Oscar Rosado, recalled the threat to public safety that represent the mountadeudaswhich is why the State must carry out prevention campaigns.
He recalled that the Debt mounting is a matter for the authorities and a delicate public safety problem that continues to grow in Mexicowhose existence is easily accessible through the official Android and Apple stores.
He problem of debt mounters It is also complicated because, according to Condusef, they lack legal powers against the applications, since are not registered as a financial institution.
This, coupled with the fact that the frequent victims of debt collectors They are not banked, that is, they are not in the financial system in Mexico, so A complaint in this form is not within the jurisdiction of Condusef.
The Citizen Council for Security and Justice of Mexico City identified only in 2022, 11,594 complaints for mounting debtswhile since 2021, 1,046 applications have been recorded.
The main victims of mounting debts are those who are not in the financial system (Unsplash)
Warning signs to identify debt collectors
Organizations such as the Ministry of Finance and Condusef Remember that there are different Signs to identify debt-settlement apps and extortion that increases a debt.
In summary, Condusef remember How a debt-settlement app works: An easy and immediate loan, with ads on social networks, without requirements and through mobile devices.
But the Interests grow without warning until it increases to an unaffordable sum and when it is not paid, the threats begin.
The Treasury Department also shows signs to consider when finding a app with possible debt relief mode:
- recently created
- Disparities or modifications in its corporate purpose before financial entities and tax authorities
Likewise, the app must have the authorization of the National Banking and Securities CommissionFor this reason, they must be registered in the Financial Services Providers Registry System (Sipres).
2024-09-03 07:32:22