There has been an alarming increase in the phenomenon of “drop by drop fraud”, a scam scheme that has affected thousands of people in various regions of the country. This quick loan system, characterized by its ease of access and the absence of formal processes, has become a financial trap for those looking for quick solutions.
The modus operandi of this type of fraud involves scammers strategically located in busy commercial areas, offering loans ranging between two thousand and 60 thousand pesos. The lack of formal contracts and operation through fictitious companies are distinctive features. Although they seem affordable, these loans carry exorbitant interest charged daily or monthly, generating practically unpayable debts.
The lack of government regulation has allowed unscrupulous lenders to threaten victims, even going so far as to steal merchandise to pressure payment. The National Commission for the Protection and Defense of Users of Financial Services (Condusef) warns about this growing problem that affects the finances of victims and presents alarming statistics.
From 2022 to 2023, 16,323 fraud reports have been recorded, with 8,735 cases reported in 2022 and a decrease to 7,588 cases in 2023. However, from January to September 2023, reports increased by 16 percent compared to the same period in 2022.
Statistics reveal that 58 percent of the victims are women, while 42 percent are men. Furthermore, 52 percent of reported cases are attempted, while 48 percent are completed. Condusef urges the population not to fall for this type of scam and to be alert to any loan offer that lacks transparency and formality.
2024-01-20 19:48:16
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