Kvikyzz - divorce via SMS messages or a paid subscription that cannot be unsubscribed from

Getting a loan online is now easier than ever, because the Kvikyzz platform has appeared on the network. Interest-free loans are a dream that this site has made a reality. How can one not rejoice when it became possible to save on paying interest on a loan, plus everything for its registration does not need to collect certificates, proving one's solvency, just fill out the form and the money will come to the card. Everything would be fine, if not for one annoying nuance: Kvikyzz is actually an ordinary scam that uses a scheme to provide loans for robbery. How the deception happens, we will tell in the article.

Company loan offers

Every Russian citizen can get a loan, as indicated on the website of our hero, regardless of whether he has a regular income or not. The minimum amount that can be borrowed is 1,000 rubles, the company can issue a maximum of 60,000 rubles. The first loan is issued under 0%, in the future the loan rate is 657% per annum. The loan can be taken for a period of 1 to 365 days.

In addition, the service is engaged in the selection of loans, carrying it out in the following format: those who wish to receive a loan are provided with a list of credit organizations, including banks and MFIs, where they can apply for a loan. This service, of course, is paid. The service takes money, but does not provide any guarantees for obtaining a loan. Kvikyzz is not responsible for the agreements that borrowers enter into with credit institutions and the conditions under which loans are issued to them. That is, the functions of the service are reduced only to providing a list of credit institutions, for which he charges a fee.

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What is known about the Kvikyzz service?

The project website is a form for applying for a loan. The registration address on the site is not specified, but if you open a document called “Personal Data Processing Policy”, you can see information about the company there. It turns out that the kvikyzz.ru platform is the property of a private entrepreneur named Voronets Kristina Mikhailovna. The legal address is also indicated there: 105064, RUSSIA, Moscow, st. Staraya Basmannaya, 9, k.2, apt. 29, and TIN - 770177002093.

We entered the mentioned number into the Google search box and found that the activities of IP Voronets Kristina Mikhailovna are connected with the use of information technology and computer technology, the project has nothing to do with finance, and even more so with loans. That is, the crooks created a service for lending, but registered it as a service that is engaged in activities not related to money. This is a fairly common move by scammers, the use of which makes it possible not to obtain a license. Indeed, we did not find permission for financial activities on the Kvikyzz website. And this means that the service works illegally, and only on the basis of this it can be safely written down in the ranks of scammers.

We can assume with a high degree of probability that Kristina Mikhailovna Voronets, an individual entrepreneur, is hiding a gang of swindlers who breed credit scams. Perhaps Kvikyzz is not the first and not the last of their brainchild. It is known that the IP mentioned above was registered in December 2020, which means that the service has been operating for almost two years. But checking the age of the kvikyzz.ru domain indicates that the Kvikyzz service opened much later than the specified date. The scammers rented the domain at the end of June 2021, which is the launch date of the credit scam that hides behind the facade of an information technology company.

To provide financial services, you need to have a license from the Central Bank of the Russian Federation, which is the financial regulator of the Russian Federation. This document is not presented on the site of our hero, which means that the service does not have the right to issue loans, it does it illegally. To confirm what has been said, we provide a screenshot for review, which shows that a company called Kvikyzz is not on the list of licensees of the Central Bank of the Russian Federation.

The fraudulent service was created to rob those who decide to apply for a loan. Read on to find out how scammers operate.

Divorce through SMS messages

Fraudsters send SMS messages indicating that a person has been approved for a loan, and it can be obtained on the kvikyzz.ru website. Instead of an SMS message, there may be a letter sent by e-mail. In any case, it's not worth it. The scammers just send out the same messages to lure potential victims to their site. They don't even know who they're sending letters to. Fraudsters simply bought a database of phone numbers and use it for their own purposes. If you also received a message saying that you have been approved for a loan, then your phone number has fallen into the hands of scammers from Kvikyzz. Loan approval is just a ploy to really scam you into applying for a loan.

If you follow the link to the site, which is indicated in the SMS message, you will find a form there that you need to fill out in order to send a request for a loan. Here you need to specify the amount, phone number and email address, as well as accept the terms of the personal data processing policy. At the next stage, you must specify the last name, first name, patronymic and date of birth, and then click the "Submit Application" button. After that, service representatives should call you back to discuss the details of lending.

What is the meaning of everything? Swindlers will offer allegedly favorable conditions for obtaining a loan, and then they will report that they have selected a whole list of credit organizations that can issue a loan on the indicated conditions. But in order to access this list, you need to pay a certain amount of money. The crooks also charge a fee for subscribing to their service, from which it is then simply impossible to get rid of. By the way, such services are free for normal loan selection services, and scammers make money on this.

We want to focus on the subscription: if you provide scammers with details for debiting funds, then it is likely that they will periodically rob you. You may not even notice that the money disappears from the card, because the crooks will write off a small amount, for example, 200 rubles every two weeks.

Naturally, scammers are not interested in losing those who can be robbed from time to time, so they do everything so that victims cannot unsubscribe from their services. What is the best thing to do in this case? We recommend that you block the card that was specified for debiting the subscription. It is better not to use this card at all anymore, because scammers already have its data.

The only regulatory document on the website “Customer Personal Data Processing Policy” states that the processing of these same data is carried out until the client has unsubscribed from the company’s mailing lists, but the company may store personal data. Once again, we remind you that unsubscribing from the Kvikyzz mailing list is an almost impossible task.

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How else do scammers make money?

They can actually provide a loan, and then breed the victims for multiple interest payments. That is, it will be extremely difficult or impossible to close the loan.
Scammers can sell the database to other MFIs and get good money for it. This way dishonest MFIs will also get your phone number and can call you.

How to protect yourself from companies like Kvikyzz?

In order not to fall into the trap of crooks like Kvikyzz, who both pick up loans and distribute them themselves, you need to carefully check the company.

• First of all, look at the site, if it is wretched and primitive, if there is nothing there but a form for applying for a loan, then it belongs to scammers.
• Pay attention to the availability of information about the project, only scammers can hide it, decent companies flaunt it.
• See if there is contact information for contacting technical support. If they are not, then you definitely stumbled upon a scam. Our hero, for example, did not provide his clients with the opportunity to contact support, because the site does not contain either a phone number or an email address.

To avoid unfortunate financial losses, do not contact dubious companies and certainly do not subscribe to their mailing lists. If you need a loan, choose organizations that have proven themselves well and have positive reviews on the network to receive it.