Sud AG claims I agreed?
Hey, I've been looking for a loan for the last few days.
Well, apparently I filled out some online form to get a financial restructuring loan from the Swiss company SudAG. Well, at first glance, it seemed pretty good, but it all seemed a bit dubious to me, since they didn't ask for anything and all that was missing was a signature. So I googled it first, and it turned out to be dubious. I ignored the email, and suddenly, the mail arrived.
The piece of paper is basically the same. Only at the end it says that they already have my approval for the loan. Which is absolutely not true, as I didn't sign anything. After reading it more carefully several times, I saw that so that I can read the exact contract, I should please sign the broker contract and send it back. Basically, that's exactly what was requested as an online signature in the email, and I think that's the scam here. It's claimed that you've signed something, and then you sign something out of fear that people will see the actual contract.
My question to you: Can I simply ignore any of their instructions without any problems? I'm a bit worried that I'll get reminders, etc., even though I haven't signed anything. I don't know where to turn.
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Just because your loan has been approved doesn't mean you want the loan. As long as you don't sign anything, nothing will happen. No matter what they write or say.
As if simply entering data into a request is considered an acceptance?
Again: It wasn't you who agreed, but they who agreed that they would have a loan. There's a big difference.
Exactly. Do nothing. Absolutely nothing, even if they write again.
The consumer protection agency is of no use, as there is no violation.
Okay, thank you! What would you do now? I filed a complaint with the consumer protection agency because of another response, just to be on the safe side. But my plan was to simply do nothing more. In principle, they should know themselves that if they don't have anything, they're walking into an open fire.
Hello, you've received a non-binding offer. As long as you don't sign anything, you're not contractually bound.
As long as you don't sign anything, no contract is concluded.
But report the case to the consumer advice center.