Although many users see these tools as an immediate solution, they are unaware of the consequences they may face if they do not make payments on time.
MEXICO.- The use of loan applications has grown considerably in recent years, offering users facilities to obtain quick money. However, behind these apparent financial solutionsthere are collection practices that can be extreme and even abusive.
In a recent interview, a former employee of one of these apps shared details of the strategies used to pressure delinquent customers into making their payments.
The interviewee by the finance channel Doble Gidentified as Joséexplains that once the app has been downloaded and access to the gallery, contacts and other personal data has been granted, collectors can employ tactics intimidation to force the customer to pay.
An example of these techniques includes creating profiles of two fictitious collectors: one “good” and one “bad.” While the “good” collector tries to negotiate and offer discounts, the “bad” collector engages in insults and threats to the customer and his/her clients. References.
Among the most disturbing practices described is the extortion through photos downloaded from the client’s social networks or personal gallery, which are edited with offensive messages and sent to their family and friends.
These actions aim to generate shame or psychological fear in the indebted person. In more extreme cases, debt collectors send images of graphic violence or threaten to reveal sensitive information, which generates greater pressure for the debtor to pay.
The former employee mentions that these tactics are not an exception, but a norm in many of these call centers, where advisors have the freedom to manage their collections as they see fit, leading to a variety of methods ranging from verbal aggression to visual intimidation.
Finally, José reveals that, although many of these collectors are aware of the actions they carry out, not all of them agree with them from the beginning.
However, economic necessity and lack of employment options lead them to continue working in these types of environments, adapting to the circumstances and instructions they receive from their superiors.
This testimony highlights the dangerousness and the abuses that can arise from resorting to easy loans on poorly regulated applications.
Although many users see these tools as an immediate solution, they are unaware of the consequences they may face if they do not make payments on time.
