Gitzo's interest rate is high. However, this high interest rate is compared with bank loans. Compared with other online loan products and consumer finance products, Gitzo's interest rate is not high. The definition of usury is that if the loan interest rate exceeds 36%, it belongs to usury. Gitzo's comprehensive loan interest rate is lower than 36%, so it is within the legal range.
Before applying for Czech credit loan, users should consider whether they can accept higher loan interest rate. If it is not acceptable, you can apply for other loans with lower interest rates.
Is Gitzo a usurer?
No, but it is a high-interest loan. Usury means that the loan interest exceeds the annual interest rate of 24%, which is usury. You need to know for yourself, that is, microfinance is not recommended.
Expansion: how to deal with collections
1. What if the other party is aggressive?
As soon as many collection calls came in, they began to talk wildly, so loudly that they didn't even give everyone a chance to speak. The implication is that you actually have the ability to repay the loan, but you maliciously default, or instigate everyone to borrow new money to pay off old debts.
Coping method
No matter how arrogant the other party is, we should be calm and stable, just watch their performance in the theater.
Don't be led by the nose, speak according to their ideas, no matter what Ji Zi says, and return to their own negotiation logic.
If you have time, you'd better talk to them, deal with a man as he deals with you and give him chicken soup. Their time is actually very tight, and the daily collection task is very heavy. If you take up more time, they will not be able to complete the task, and their wages will be affected that day. Therefore, after several rounds of collection attempts, many people are too lazy to call the "deaf-mute borrower" again.
Finally, for the collection with bad attitude, we can also be tough, shut him up and give you a chance to speak. In fact, the more arrogant the collection, the better for our borrowers, because as long as you record your voice, you can report it directly in a reasonable way.
2. What should I do if frequent bombing affects my life?
Now many lending institutions don't want to discredit themselves, so they hire outsourcing collection companies, but most of these outsourcing collection companies are hooligans, so it is normal to harass them frequently.
When you receive any collection call, as long as they give you a chance to speak, everyone's first action must be to "verify the identity of the other party" and ask the other party to provide their name, work number, work card, collection power of attorney (drawer's agreement), other collection authorization certificates and so on. If the other party can't provide it, it belongs to "invalid collection" and reply directly:
"Since you can't prove your identity, according to the law, I have no obligation to answer any of your questions."
Then just record the audio and hang up, mark the harassing call and block it. This initial operation can basically block 90% of invalid communication, because many borrowers and friends are very nervous about each other's collection, and it is easy to fall into constant self-defense. These explanations are actually meaningless and do not constitute any legal evidence.
Use quorum correctly. According to the regulations, the same collection should not call the same borrower more than three times a day, otherwise it will constitute cyber harassment. Therefore, for the collection of repeated personal calls, you can clearly describe and record the actual situation that the other party dialed more than three times in the last call, and then block the number.
Concentrate on returning the call. We can ask for a reminder to call at a specified time, which is our legal right. For example, for some particularly annoying collections, you can ask them not to collect them at 9- 17: 00 during the day (recording and leaving a certificate), then turn their mobile phones on mute during this time period, call back at night and call the number of the day.
When you do this, you will find that when you call them back for five minutes in the evening or in other free time, many numbers are empty or can't be connected. This is because most of the collection calls are made through "virtual VoIP", which can only be called out, cannot be accessed, and has not been authenticated by real name, so it is also an invalid collection and does not need attention at all.
Protect the robot. I believe everyone has received a phone call or text message from a robot. If you find that the questions answered by robots are not correct at all, 99% are robots. Direct hang-up shielding.
Short message collection. As long as there is no contact information left in the short message, it can be ignored+deleted because it has no legal effect. But if there is contact information in the short message, you can take the initiative to contact, and you can consult me for the specific content analysis of the short message.
3. What about exaggerating the threat?
Many collection strategies are:
Under the guise of collection letter, lawyer letter, filing letter, court summons and other professional terms. Or threatening to enter the proceedings, asking everyone to provide all kinds of personal privacy information, and what's more, saying that they will go to the door to investigate and settle accounts.
Is Gitzo a usurer?
Gitzo is not a usurer. Its loan interest rate is within the scope stipulated by laws and regulations.