Archive December 2019

They offered real estate loans to take over

An indictment has already been drawn up in this case and has now been sent to court. The group of defendants included a notary public, who was preparing notarial deeds as part of his activities. Everyone is responsible for committing several hundred crimes. Estimates show that the total amount of fraud was $ 23 million. However, over a hundred families were injured in the entire case.

Investigators found that in the period from 2004 to 2009 in the Slawskie Volvoship a group of closely related people was active, which by conducting various types of business activity (usually it was credit brokerage, legal assistance in debt-relief cases, etc.) granted loans against real estate . By introducing sneaky provisions to the contract for borrowers, she led unconscious people to sign unfavorable contracts. As a result, which most often took place, the pledged property was taken over.


Usual penalty interest

Usual penalty interest

The victims of scammers were most often people with serious financial problems, incapable of life, in the elderly, showing considerable naivety and excessive trust in lenders. They were misled as to the real purpose and nature of the signed contract, issued their own bills of exchange and granted notarial powers of attorney to sell their property.

At the very beginning, the contracts were concluded for a relatively short period of time, usually 3 or 6 months. High interest rates were applied (up to 7% in the whole month), the return of the loan was secured by an entry on the property’s mortgage, as well as the borrower had to grant a power of attorney to sell it. In a situation where the loan was not repaid on time, penalty interest was applied, usually in the amount of 1% for each day of delay.

When the Anti-usury Act was adopted, the loan agreement was renamed to sell bills of exchange. Borrowers were required to issue bills of exchange. One group of bills of exchange concerned the sum of the loan, together with interest, while the other took the form of criminal bills of exchange, which the signing party undertook to buy in the event of default on the former.

In the course of the investigation it was found that the promissory notes amounted to even 200% of the total amount of the loan granted. However, even a small delay related to the purchase of even one of them caused a colossal increase in debt, which the debtor was no longer able to repay objectively. Lack of repayment meant taking over the property by lenders. It is worth emphasizing that their value significantly exceeded the size of the alleged debt.


Property taken over by fraudsters

Property taken over by fraudsters

In a situation where a person could not buy their promissory notes, dishonest lenders took the final step in taking over the property. Having signed a power of attorney in the form of a notarial deed, they sold real estate. It should be emphasized that the content of the power of attorney contained a minimum price at which the property could be sold, and the price was significantly below market norms.

The aggrieved parties were not aware of what they were actually giving the power of attorney for, and in fact the trick of fraudsters was that it was a technical way enabling the forfeiture of the object being a security measure and such a construction is prohibited in Polish law.

Shortly after the contract was signed, real estate in the form of flats, houses and farms was taken over. The fraudsters first made their apparent sales to themselves or with related entities, and then they were sold on the free market.

The purpose of this was to hide the way a person became the owner of a specific property. The colloquial language is simply about money laundering. To authenticate the legality of their business, they used the help and authority of a notary office.

Victims concluding a contract in the form of a notarial deed took for granted that everything takes place in the majesty of applicable law and therefore their interests are duly protected. The reality, however, turned out to be completely different, as they were to find out in the near future.


Dishonest “entrepreneurs”

Dishonest "entrepreneurs"

One of the notaries heard a number of allegations, including: failure to comply with obligations and exceeding powers in order to achieve financial gain. In addition, contrary to applicable regulations, he did not ensure adequate protection of the rights and interests of the parties, as well as victims, he did not provide adequate explanations. Ultimately, the acts he prepared were unlawful. Through his actions, he helped accused persons to commit frauds and money laundering.

In addition to actions aimed at prosecuting the accused, the Gliwice prosecutor’s office has undertaken a number of civil-legal actions that aim to annul defective notarial deeds. At this time, up to 34 actions carried out in the form of a notarial deed were annulled (24 rulings are already final).

As a result, two residential properties were recovered for victims. The rest of the cases are currently subject to court proceedings.

Quick loans, for an unforgettable First Communion!

First Communion is not something that all children want to do today, but, of course, it is still one of the most traditional events of our culture and also one of those that require the application of quick loans. There are more and more children who show no interest in this type of ceremony, but, even so, there are even more of those who are currently looking forward to that day, some to go through the church as a groom or bride on a wedding day , others because they know that this leads to a celebration and the reception of many gifts. see for more notes


The protagonist of the First Communion Day is the child

First Communion

but obviously, parents play a fundamental role, since today, not all families can afford the expense of First Communion.

And it is that this type of ceremony entails a considerable investment, since the communion suit of the little one or the little one, we must add the costumes of the parents (which must be dressed for the occasion), the typical photo book ( There are those who hire an album before the ceremony and another for later, so that you have a personal memory of the little one and also one about the celebration).


The celebration also involves expenses

The celebration also involves expenses

It covers food and drink plus the gifts that come as a surprise to the little ones – it is common in the great celebrations of a First Communion to hire clowns or services of bouncy castles or orchestras. One of the most frequent gifts is also the end-of-course trip in those cases in which children plan it in school for that year specifically.


For children, the First Communion is unforgettable

For children, the First Communion is unforgettable

But for parents it is a choking for the pockets. That is why and because we are already in the final stretch for the season of this type of ceremony, quick loans can be of great help. So if you need an urgent solution for your pocket and want to make a dream First Communion for your little one, count on us!

Is borrowing a payday loan safe?

Most people who use financial services on a daily basis, only through banks, are unlikely to approach the topic of loan companies such as popular payday loans companies. Why is this happening? Because most of us confuse payday companies with parabanks, considering them not safe and expensive to pay back. However, it turns out that this has little to do with the truth.

Looking at various types of internet forums or blogs, I have come across the statement that payday loans are generally bad, they can expose us to high costs, and ideally they should be prohibited. It may and should, but prohibit only those who are unable to use them and who have borrowed significantly. If we reach for the payday loan, the necessary cash can be obtained much cheaper than borrowing cash at the bank and we will have it at an express pace on our account.

In today’s guide, I will check how and where to look for a favorable payday offer


Find payday pay for which you will pay 0 USD

money cash

This is not a marketing gimmick and, in fact, by reaching for the first payday loan in a given company, we can get it for free and free of charge. The only fee we will pay will be the verification fee that we must make to verify the personal data provided in the registration form. However, this will not be a big fee because in most cases it is $ 0.01, i.e. one penny. We can now take advantage of promotions for new customers in most companies that provide payday loans and below I have listed several offers from reliable companies that in my opinion seem remarkable and that offer payday loans for $ 0 for the first loan.


Pay back on time

money cash

It can be said that this is the most important guideline in this article. If we decide to pay the loan, we will pay it back on time, only then we will be sure that our loan will be free and we will not incur any additional fees when borrowing it. Even a small delay in repayment of such a loan may result in additional costs for us being reminded by phone or letter.


Don’t borrow another loan if you don’t need it

money cash

The first loan from most companies is free, but the next one from the same company will already involve an additional fee. Remember, however, that we are not obliged to take further loans, we do not have to do it if we do not need cash and even more so if we have the opportunity to borrow cash at a lower cost. Yes, the loan company in which we took a free payday loan will encourage us to reach for another loan but we don’t have to do it. Personally, I have never met any company persistently encouraging to use the offer again. Yes, it will happen that they send us a text message or e-mail, but nothing more. So if we do not need – we do not borrow.

Secure payday loan safe payday loan free payday loan for $ 0