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2 million have been added for several months and give a solution as soon as possible. When you come after 1 month or 2 months, you won't have that much. It will grow.
Fiks Fare has continuously denounced the schemes used by institutions that collect bad loans, where hundreds of thousands of citizens from all over Albania have fallen prey. After numerous denunciations, the law enforcement bodies reacted, arresting some employees and announcing the search for others. In fact, the Bank of Albania has revoked the licenses of Micro Credit Albania and FINAL institutions.
But, once again, the editorial office of the investigative show has received complaints about the schemes followed by these institutions, which have only extorted, extorted and stressed these citizens, most of whom have major economic, social or even health problems. On Wednesday evening, Fiksi broadcast the complaint of Mr. Ervis Papa, who said that many years ago he had taken out a loan with his father, who has passed away. "We got the loan from a second level bank. We got it because dad was very sick and we were going to use the money for his treatment. Some time after we received the loan, he passed away," says Ervisi.
According to him, the family did not have the opportunity to repay the loan. "They sold it to MCA, where the documents stated that the borrower was the father and I was the guarantor. We got it on April 11, 2008. After many years, the MCA put various seizures on me. They also wrote a letter to the company where I worked. I tried to run away," the young man affirms. He further adds that he also made a request to the bank where he received his salary and they replied that "you have two loans to repay". “I only have one actually. The second loan has no date in the bank file. But only an execution order from the executor Fatos Almadhi, who is contracted by the MCA," continues Elvisi.
He says that he has several letters, where the bailiff has issued the execution order in March 2023. "The license of the same bailiff has also been revoked. I wanted to pay it, since I have 220,000 ALL blocked in the bank by the MCA itself. They didn't even leave me a vital minimum. There are 4 salaries for the year 2022," says Elvis, while he asked the bank to release him. "Those from the bank have brought me an answer that the vital minimum must be determined by the executor. Literally they write that 'when there is no legal regulation from the vital minimum and the seizure is made by the executor Almadhi, whose license has been revoked, please refer to the substitute executor. You can appeal to the court'. They give me the letter that gives me two loans, worth 2 million new ALL. Now what to do" adds Elvis.
The first loan from 300 thousand ALL has gone to 971 thousand ALL. Meanwhile, there is also a second execution order worth 1 million ALL. It is from the same bailiff. "It is something more. This loan does not exist, I have never received it. You should ask the company that sent it," he concludes.
After the complaint, Ervisi went to the MCA offices a few months ago, where the employee persistently asked him to make a new agreement. He tells her that the bank has taken out two loans, while she replies that she only has 1. "Look what I have to say, not how many documents you have at the bank," she replies, as she insists that she only has 1 loan. Meanwhile, in the bank's document, there are 2 blocking orders from bailiff Fatos Almadhi! The citizen tells him that all his wages have been blocked, not even the vital minimum. The employee replies that things have changed and the amount has been increased. She tells him that you have 1 million lek, out of the 300,000 that she got a loan from. "Why didn't you give him a solution? Don't let it go any longer" she tells him, as for the second execution order she claims that the bank made duplicates. "A mistake was made at the bank. You only have 1 credit. Still. You had as much as he had. The obligation has increased, other penalties. Why didn't you make the agreement when you were 2, 3, 4 or 5" she answers.
In the end, he tells him that he has to make a deal, since the penalties are more. "2 million have been added to you for several months and give a solution as soon as possible. When you come after 1 month or 2 months, you won't have that much. It will grow. The agreement is now made here and the payments are made at the bank. Enforcement fees are added to you. Interests, penalties and others. The debt is increasing day by day," concludes the employee.
Fiks Fare has continuously followed the problem with institutions that collect bad loans. Dozens of citizens have addressed our program for the Micro Credit Albania institution. A few days ago, after numerous denunciations, the prosecutor's office of Tirana issued dozens of arrest warrants for the managers of this financial institution. In fact, the Bank of Albania has revoked the licenses of MCA and FINAL, appointing a liquidator. Meanwhile, for the case of Mr. Ervis Papa, editor of Fiks Fare, has asked MCA several questions about how the 300,000 ALL loan went to 2 million ALL. According to them, since 2021, the enforcement procedure has been started by the bailiff and that the Pope has been regularly informed. MCA does not respond to why there are 2 blocking orders, according to a second tier bank document. They answer that Mr. The Pope has not repaid any amount in the MCA account or in the enforcement account, while they write that the total value of the debt is 1 million and 88 thousand ALL!
In the bank's document were two blocking orders, with a total value of over 2 million ALL. Regarding these orders, the MCA says that "they can be challenged in court". The mistakes were made by the executors contracted by the MCA, even the employee of this institution confirmed this fact. She said that a slip was made, but the citizens themselves should suffer for this slip. In addition to the percentage, the enforcement fees, citizens must also pay attention to errors in court. The scheme of this financial institution was to keep these debtors bound for as long as possible, most of whom were unemployed, in a very bad economic and health condition. The employee insisted several times that Ervis make a new agreement, that is, by taking loans cloud. In this way, value would be added and the debt would multiply./ Top Channel
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