They were offered a 7% monthly profit. They just had to open an account with $250, then things would be easy. Buy and sell shares in oil, Netflix, Bitcoins and the most recognized companies worldwide. They were going to be accompanied by responsible and empathetic advisors at all times. So several accepted, without thinking that they would lose their money in a matter of days.
So is the case with light garaycar, who invested $8,000 dollars in the company Capitalix; although his first intention was not to invest with them, but with the Banco de Credito del Peru (BCP). She filled out all her information on a form that had the name of that bank, but all this was false . Luz had sent her information and her interest in investing to Capitalix.
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Capitalix is an international company with address in the islands Seychells, a tax haven. In addition, according to its website, it is regulated by the FSA. However, this authority has not existed since 2013. This was an institution in England called the Financial Services Authority.
After Luz sent her information, Capitalix contacted her and managed to convince her to invest her money. They told her to do it with her credit card and she did. Luz paid the $8,000 dollars from her credit card Interbank.
“I told him regarding my goal of studying for a postgraduate master’s degree and he told me [la trabajadora de Capitalix]: ‘it’s good that you say that because a boy in Germany invested with us because he wanted to study a postgraduate degree there, because in Latin America they don’t pay well’. And with all that speech he persuaded me and I made the transaction”, Luz told El Comercio.
the problems begin
After depositing the money, the tone of voice of the people who called Luz began to change, which put her on alert and Luz began to find out more regarding this company. In YouTube He found several testimonials with what he feared the most: it was a scam. The testimonies came from different countries: Mexico, Chile and Costa Rica.
The problems started when Luz asked Capitalix to withdraw her money, but was told that this would not be possible. By calling her – who were always from abroad – they told her that she had to do some currency exchange, that she did not understand anything, that she had to wait and do other operations. Once this happened, everything else was lost.
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Thus, Luz was left without the money she had invested and, in addition, she had to pay the $8,000 debt of her credit card to the Interbank bank.
wave of complaints
When airing the episode #PasaEnLaCalle regarding the investment fraud with Capitalix, various people they contacted whats app to share their testimonies. One of them was a 30-year-old who preferred to remain anonymous and who lost 2,000 soles. He also came to Capitalix with misleading that used the name of BCP.
“In the beginning, the first calls were very friendly, trustworthy and earn you a little money (supposedly). Then the following days they start asking you for more money to be able to invest in more shares and earn more and they persuade you to use your credit cards. I told them that I don’t use cards and the treatment began to change and they didn’t help me at all. Until finally, supposedly, my invested money was lost”, he commented.
a fraudulent company
The Capitalix company is located on the Seychelles island, a tax haven, and they do not have any address in Peru. Given this, Elizabeth Mendoza, Legal Coordinator at Hiper Derecho, explained: “It is almost impossible to follow these companies or brokers that are far away. Precisely when we talk regarding reliability of brokers, it is very important to take into account the location or residence in which they say they are because this is where we see the regulation”.
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On the other hand, the same Capitalix website says that they are regulated by the FSA, despite the fact that this authority no longer exists. Daniel Reateguicoordinator of Supervision of Informal Activities of the Superintendence of Banking and Insurance (SBS), warns that these names are used to give false security to the public.
“This company has used those acronyms to present itself to the public as a company that is regulated by this body that obviously does not exist and is the scheme that they have put together to swindle the public”Reategui said.
For this reason, the specialists indicated that people interested in investing should go to the page of the regulatory authority and confirm if the company is really under this entity.
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Secondly, Daniel Reategui indicated that earning 7% monthly interest in a fixed and secure manner is impossible for companies in the formal financial system. “These companies do not have the ability to grant a payment of 7% per month. This looks like a pyramid. When you offer such a high monthly payment, it is understood that this scheme is not supported by an economic activity”, added the specialist.
In addition, by having all their addresses outside of Peru and the people who call to contact clients do so from abroad, the jurisdiction of the Peruvian authorities such as the SBS and National Police it is almost nil. These companies act with total impunity in Peru as they are in a digital environment.
Investiga
Check if the broker is regulated by any real and active entity, whether national or international. If the broker is in Peru, check if it is under the Superintendency of Banking and Insurance (SBS) or the Superintendence of the Securities Market.
go to the regulator
You can send an email to the SBS asking if the broker is safe and formal. They will make a recommendation.
Locate the company
Check where the company is located. If you are in a tax haven, it is likely to be unreliable as there are almost no regulations or security.
In the net
Read broker blogs and comments on social networks to see if there are positive or negative testimonials of the company.
look for it
If the company has an address and contact point in Peru, it is safer for the client, since any doubt or claim is facilitated.
Also…
At your service
If you are interested in the subject, this Wednesday, July 27 at 5 pm, El Comercio will hold a Twitter Space where we will talk regarding fraud when investing in stocks digitally. To enter you can do it through the twitter of El Comercio.
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