Digital Luteray : Aap Ne Double Shah Ka Naam Suna Hoga Jis Ne 40 Hazaar Se Ziyada Pakistanion Ke Sath 7 Arab Rupay Ka Fraud Kiya Tha. Mudarba Scandal Main Bhi Hazaron Shehrion Ko Arbon Rupay Ka Choona Lagaya Gaya. Magar Aaj Kal Pakistan Mein Aik Bohat Bara Fraud Ho Raha Hai Jis Ka Shikaar Hazaron Nahi Balkay Lakhoon Pakistani Ho Rahay Hain, Lekin Ab Tak Nah NAB Harkat Main Aaya Hai Na Deegar Idaron Ne Koi Karrawai Ki Hay.
Ye Dhandqa Hay Digital Loan Ka..!
Guzishta 2 Saal Main Pakistan Main Aisi Loan Apps Ki Bharmar Ho Chuki Hay Jo Baghair Kisi Kaghzi Karrawai Ke 90 Din Ke Liye Aik Hazar Se Aik Laakh Rupay Tak Ka Loan Denay Ki Pesh Kash Karti Hain. Bus App Download Karen, Apna Mobile Number, NIC Number Aur Kuch Deegar Tafseelat Darj Karen Tou Chand Minton Se Chand Ghanton Main Raqam Aap Ke Account Main Aa Jati Hay. In Apps Ke Zariye Lakhon Log Loan Tou Le Rahe Hain Lekin Zyada Tar Afrad Ko Pehla Jhatka Us Waq Lagta Hay Jab Chatay Saatven Din Qarz Ki Wapsi Ke Liye Call Aana Shuru Ho Jati Hay. Social Media Per Hazaron Log Apni Kahanian Share Kar rahe Hain Ke Kesay Aik Choti Zarurat Ne Unhen Bari Musibat Main Phansa Diya. Apps Ke Ads Main Tou 90 Din Ka Dawa Kiya Jata Hay Lekin Jab App Se Loan Letay Hain Tou Pata Chalta Hay Ke 7 Din Main Wapas Karna Hay.
Raftar Se Baat Karte Huye Karachi Ke Muhammad Kashif Ne Apni Kahani Sunayi:
“Mera Beta Beemar Tha, Main Ne Barwqat Se 8 Hazar Rupay Loan Liya, Unhon Ne Mujhe 6,800 Rupay Bhejay, Main Ne Pucha Ke 1200 Kiun Kaatey Tou Unhon Ne Kaha Ke Ye Service Charges Kaatay Gaye Hain. Phir Chatay Din Mujhe Qarz Ki Wapsi Ke Liye Call Aayi. Main Ne Un Se Kaha Ke Loan Tou 90 Din Ka Tha, Tou Agent Ne Kaha Ke Nahi Aap Ka Loan 7 Din Ke Liye Manzur Hua Tha. Main Ne Bataya Ke Main Hospital Main Hun, Abhi Loan Wapas Nahi Kar Sakta Tou Unhon Ne Kaha Ke Aap Extension Money De Dain Tou Aap Ko Mazeed Mohlat Mil Jaye Gi. Main Ne Extension Money De Di, 7 Din Baad Phir Un Ka Phone Aaya Ke Paisay Wapas Karo. Main Ne Dusri App Se Loan Le Kar Wapas Kiya. Phir Us Company Ne Bhi 7 Din Baad Loan Wapas Mangna Shuru Kar Diya.”
Victims Ke Mutabiq Extension Money Jo Loan Amount Ka 10 se 20% Hoti Hay. Itni Bari Raqam Denay Ke Baad Bhi Asal Qarz Aur Uska Sood Waheen Ka Waheen Rehta Hay. Extension Period Kahatam Honay Ke Baad Agar Koi Dobara Extension Money Na De Sakay Ya Loan Wapas Na Kar Sakay Tou Usay Din Main Kai Kain Baar Phone Kar Ke Dhamkaya Jata Hay. Galam Galoch Aur Badtameezi Ki Jati Hay. Contact List Main Darj Rishtedaron aur Doston Ko Phone Karne Ki Dhamki Di Jati Hay Aur Unko Phone Bhi Kiya Jata Hay. Company Ke Agent Qarz Lene Walon Per FIR Darj Karany, Us Ko Black List Karnay Aur NIC Block Karnay Ki Dhamkian Bhi Detay Hain.
Mukhtalif Victims Ne Raftar Ko In Numaindon Ki Audio Call Bhi Bhejeen Jin Main Unhen GaaliyaN Detay Ya Dhamkatay Huye Suna Ja Sakta Hay.
Ye Digital Loan Apps Contact List Ke Ilawa Sarif Ki Phone Record, Gallery, Storage, Media, SMS Aur Digar Cheezon Tak Bhi Rasai Hasil Kar Leti Hain. Is Ki Tafseelat Apps Ki Terms & Conditions Main Darj Hoti Hain.
Cyber Experts Ke Mutabiq Pakistan Main Chun Ke Log Zyada Parhay Likhay Nahi Is Liye Wo Tafseel Main Jaye Baghair In Terms & Conditions Ko Accept Kar Letay Hain Aur App Ko Tamam Permission Mil Jati Hain.
Data Hacking Aur Loan Recovery Ke Mutanaza Tareeqay Ke Saath Saath In Apps Ki Sharah-e-Sood Per Bhi Sawalat Uth Rahay Hain. 24 Se 36% Interest Rate Ke Daway jhoot Ke Siwa Kuch Bhi Nahi. Sab Se Pehle Tou Qarz Ki Raqam Main Se 15 Se 30% Service Charges Aur Commission Ke Naam Per Kaat liye Jatay Hain. Yani Agar Koi 20,000 Rupay Loan Leta Hay Tou Usay 16,500 Se 17,000 Rupay Miltay Hain. Is Per Unhen 7 Din Main 4 se 5 Hazar Rupay Sood Ada Karna Parta Hay. Yani 1 Haftay Main Taqreeban 100 % Jo Salana 1200% Bun Jata Hay. Baaz Companian Tou Salana 2200% Sood Bhi Le Rahi Hain. Personal Loan Per Itina Ziyada Interest Dunya Main Kaheen Nahi Hay.
Digital Loan Apps Ki Nigrani Kis Ki Zimmedari?
Ye Loan Apps NBFC yani Non Bankng Finance Companies Kehlati Hain Aur Inhen SECP Regulate Karta Hay. SECP Ke Mutabiq Un Ke Pass 3 Companion Ki 4 Apps Registered Hain Jin Main Easyloan, TezLoan, Barwaqt Aur PKLoan Shamil Hain. SECP Ne Raftar Ki Email Ke Jawab Main Bataya Ke Deegar Ghair Qanooni Apps Ke Khilaf Karrawai Ke Liye Mutaliqa Idaron Ko Khat Likh Diye gaye Hain.
SECP Ke Daway Apni Jaga, Magar Haqeeqat Ye Hay Ke Ab Bhi Mukhtalif Naamon Se Darjanon Apps Play Store Per Dastyab Hain Aur Logon Ko Qarz De Kar Wapsi Ke Liye Harasan Karnay Ka Silsila Bhi Jari Hay.
Digital Loan Apps Per Sawalat
In Loan Apps Ke Tareeqon Ko Dekhtay Huye Kuch Sawalat Paida Hotay Hain. Kia Kisi Banking Ya Non-Banking Company Ko Ye Ijazat Di Ja Sakti Hay Ke Wo Loan Per Interest Rate Khud Lagaye. 1000 Se 2200% Salana Sood Liya Jaye?
Aik Taraf Federal Shariat Court Soodi Nizam Ke Khatmay Ki Hidayat Kar Chuki Hay Tou Dusri Taraf Aisi Companion Ko Kiun Ijazat Di Ja Rahi Hay Jin Ka Business Model Mashkook Hay?
Maghribi Mumalik Main Aise Afrad Ya Idaron Ko Loan Sharks Kaha Jata Hay Jo Zalimana Sharah-e-Sood Per Qarza Detay Hain Aur Recovery Ke Liye Na Jaaiz Zaraye Ikhtiar Kartay Hain, Aisay Afrad Aur Idaron Ke Khilaf Karrawai Ki Jati Hay Aur Awam Main Aagahi Muhim Chalai Jati Hay. Phir Pakistan Main Shehrion Ko Kiun Be Yar-o-Madadgar Chhr Diya Gaya Hay Ke Ye Loan Sharks In Ka Khoon Choosti Rahen?