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La Le Boom Des Escroqueries Au Prêt
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La Le Boom Des Escroqueries Au Prêt

La Le Boom Des Escroqueries Au Prêt

Depuis l'éclosion des plate-formes de financement participatif en France, un ingénieux modèle d'arnaque s'est rependu sur internet en circulant sur les réseaux sociaux et sur les e-mails : de prétendus prêts en ligne octroyés rapidement, sans apport demandé, sans garanties et par des individus se présentant comme des particuliers cherchant à investir leur argent. Nous parlons là d'une tentative d'escroquerie, mais l'abondance des annonces sur ces sites donne une idée de l'importance du problème. Conséquence: un grand nombre de particuliers sont tombés dans le piège à cause cette arnaque.

Par quelle manière procèdent-ils ?

Susciter l'intérêt de la victime avec une annonce de financement alléchante

L’escroquerie au crédit prend toujours la forme d'un script avec plus ou moins de crédibilité. Du point de vue de notre escroc, il s'agit là d'une phase capitale car il sent que la réussite de sa tromperie est en partie due à la croyance ou non en son histoire. Quand il veut faire venir la plus grande quantité de personnes possibles, il rédige et publie une annonce sur des sites ayant beaucoup de fréquentation comme Facebook ou Twitter. Beaucoup de posts très populaires ne modèrent pas les sections de discussion accessibles par tout le monde, ce qui en fait un endroit privilégié des escrocs.

Concrètement, l'arnaqueur s'affiche comme une personne qui dispose d'un magot qu'elle souhaite faire fructifier en accordant des crédits avec un taux très compétitif. Parfois, il dit être un rentier à la retraite qui souhaite se passer de la Banque et donner ainsi l'image d'un homme noble et aspirant à d'améliorer la société. Ce procédé va permettre une chose : jouer sur le désarroi financier des gens crédules en tentant de leur expliquer qu'un prêt est envisageable, même sans conditions de ressources. Il se dit prêt à leur octroyer un financement, même s'ils ont déjà des crédits à rembourser. Une fois la demande validée, le faux prêteur promet d'envoyer l'argent dans un délai record avec des échéances pouvant s'étaler jusqu'à plusieurs dizaines d'années.
S'il est incontestable pour la plupart des gens que des propositions de ce genre semblent inconcevables, il n'en reste pas moins que des personnes faisant face à des problèmes financiers peuvent se faire avoir du fait de cette promesse de prêt rapide qui les attire.

Faire croire à une démarche sérieuse

Sur le web, n'importe qui est capable d'inventer une identité avec un peu de créativité. C'est de cette façon qu'agissent les escrocs au crédit en créant intégralement un personnage fictif qui collera au mieux avec leur scénario. Pour commencer, ils s'efforcent à donner un nom et prénom français à leur personnage. Pas d'utilisation donc de prénoms exotiques qui auraient tendance à faire fuir les plus sceptiques. Il faut que la cible ait l'impression que le prêteur se situe tout près. Dans un script bien ficelé, l'escroc peut se transformer en une personne d'un certain âge ou jeune retraitée. Certains iront jusqu'à demander des documents justificatifs de salaire à sa victime, d'autres lui demanderont de donner des réponses à des questions sur sa vie professionnelle. Pour être un un peu crédible, notre faux prêteur n'hésitera pas à créer de multiples faux personnages qu'il contrôlera pour poster de fausses recommandations qui auront pour but de faire l'éloge de l'annonce.

Approuver chacune des sollicitations

Lorsque la victime est persuadée du sérieux de l'opération, notre faux prêteur peut enfin passer à l'étape supérieure. Il lui confirme alors qu'il donnera suite à sa demande de de prêt, mais réclame en retour le règlement de certains frais par mandat pour boucler le dossier. Ces frais divers peuvent monter jusqu'à plusieurs centaines d'euros et sont demandés pour compenser le temps passé par le faux prêteur à analyser son dossier. Ces frais sont, selon ses dires, indispensables pour débloquer le capital. Si la victime accepte, l'escroc lui demandera ensuite de verser une prime d'assurance de prêt obligatoire. Sauf que, le demandeur n'obtiendra rien et l'escroc encaissera l'argent avant de disparaître complètement de la circulation.


De quelle façon lutter contre de telles arnaques ?

En France, tout le monde n'est pas accrédité à octroyer un emprunt et le crédit entre particuliers est un secteur encadré. Si une personne ou un groupe fait de la vente de services bancaires en ligne, le site doit obligatoirement afficher ses mentions légales ainsi que ses CGV. Pour être reconnu en tant que de société de prêt, tout organisme doit posséder un agrément de L'Autorité de Contrôle Prudentiel et d'une immatriculation au registre ORIAS. N'importe quel site de crédit entre particuliers doit nécessairement être en possession de ces autorisations, auquel cas il s'agit clairement d'une tentative d'escroquerie.

De plus, il faut savoir que les délais d'obtention d'un crédit sont assez longs et qu'il faut compter environ 2 semaines avant de recevoir Dénonçer les fausses annonces de crédit rapide fonds sur son compte bancaire. Et même si un particulier avait des fonds à placer de cette façon, il analyserait sérieusement et profondément tous les dossiers avant de sélectionner les plus solides.
En temps normal, une banque ne délivrerait jamais un quelconque crédit (personnel, renouvelable ou immobilier) à un individu fiché à la Banque de France pour des incidents de paiement.

Hay 84 invitados y un miembro en línea


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