Overview
- Consumer advice centers report cases in which people drawn by online claims of Schufa-free credit end up in expensive “financial rehabilitation” contracts instead of receiving a loan.
- Typical pattern: after initial contact, a cash-on-delivery package prompts signatures on a Finanzsanierung with upfront fees and ongoing charges, yet no money is disbursed.
- Another scheme substitutes the advertised loan with a prepaid card that later accrues costs, often paired with costly add-on insurance and backed by fake seals and reviews.
- People are urged to refuse COD deliveries, make no payments, promptly revoke or contest such agreements for error or deception, and cancel any unwanted insurance policies.
- Those affected should seek recognized debt counseling or legal assistance, including municipal services or meine-schulden.de, and respond immediately to any court payment order.