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SMS loan immediately to everyone. But who is the “everybody”?

 

Some loan names can be quite misleading. Not that they were deceptive, they didn’t. In their title alone they do not contain all the information in a clear and unmistakable form. A typical example is an SMS loan immediately to everyone. What is the problem? In the case of this loan, the problem of “everybody” is problematic.

We all know this is downright nonsense, because everybody just can’t take credit. How is this loan actually?

Only someone can take the loan

Only someone can take the loan

And who? This is precisely defined by Czech legislation. Generally, the possibility to take loans is defined by the Civil Code, ie Act No. 89/2012 Coll. Here, Section 15 defines legal capacity as the capacity to perform legal acts, ie “the ability to acquire the right for itself and to commit to obligations (to act legally).”

The Consumer Credit Act, which is No. 257/2016 Coll., Then states that only the person who has the legal right can obtain a consumer loan. Only he can sign a loan agreement. And the signature is valid (as long as all other terms of the loan agreement and negotiations prior to the actual signature of the agreement have been respected).

What about legal capacity?

What about legal capacity?

It is generally known that we acquire legal capacity automatically when we reach the age of 18. This means that nobody under 18 years of age will in principle receive any loan. So here we have the first big group of people who just do not fit in the “SMS Loan to Everyone” immediately.

And then there are people who are adults, but their legal capacity has been taken away from them. The court leads to this decision by the health reasons of the people concerned or their mental state. Otherwise, in the Czech Republic, legal capacity cannot be withdrawn. People with no legal capacity have arrived, such as the second group of people who do not get an “SMS loan immediately to everyone” either.

SMS loan immediately to everyone is just for almost everyone

SMS loan immediately to everyone is just for almost everyone

We have shown that advertising slogans are not always written in reality, they are abbreviated, and we usually know the true meaning when we think about it, or contact the lender for more detailed information about the loan.

SMS loan, which is sent to the slogan to everyone in this case is a loan, which is approved without major problems. It is a small and fast loan. It is not necessary to provide proof of income from the employer, just an account statement. It is a so-called loan without registers – mostly they are not looked at, or less serious negative entries in registers are almost ignored.

Also, the applicant’s high age is not taken into account if a person applies for a loan in years. In fact, retirement is a guaranteed and stable income. And debts are also inherited. Last but not least, it is often necessary to hold two identity documents to approve such a loan.

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