VICTIM OF SCAM FROM THIS COMPANY
CAPITAL FUND INTERNATIONAL LIMITED CR No.: 0516110, (+852 3008 8373), (info@capitalfund-hk.com), (608-09 One Island South No 2 Heung Yip RD, Hong Kong) is a company of scammers who are skilled at extracting large sums of money from unsuspecting victims. (https://www.capitalfund-hk.com/)
I would like to inform you that you should not contact this company because they are scammers.
If they have promised you that you will get a loan from them, the only thing you can be sure of is that you will lose all your money.
Let me tell you what the big secret of these scam companies is.
They ask for a fund to send them as (for bank charges, processing, and handling costs of the loan) with the promise of giving you a loan in the further.
They are a company and you will find out if your search at the Hong Kong Registrar of Companies. (However, this is no guarantee that they are a trustworthy company). If you think they have an "AMLO" money lender license, ask them to send it to you and check the licence on the Hong Kong Monetary Authority website. However, be careful. The licence must be issued in the name of the company promising to give you a loan, i.e. the lender, not another company. Is this a trap or have they copied the licence of another licensed company money lender?
Most of these scam companies do not have a money lending licence as required by the Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong). This is a major headache for the authorities and even the Hong Kong Police.
If you never want to lose money to those Hong Kong finance companies who tell you and promise you that they are offering loans when you sign the agreement with them, do the following.
Usually, once you have signed the agreement, they will ask you to send the advance you have accepted, depending on the amount of loan you have applied for, within 3 days by Swift MT103.
To convince you that everything is in order, they will send you a document called "Advance Payment Guarantee or (APG)" or some other name, written on their company letterhead, which they will show you is signed and stamped by an official of the bank they claim to be their provider and guarantor of your advance. If you ask them why this "Advance Payment Guarantee" is written on their company letterhead, they will tell you that the bank has authorised them to do so. THIS IS A BIG LIE, and therein lies the big trap.
- No bank authorises external partners to send bank guarantees on its behalf, and especially for an independent Chinese company limited. But this is how they deceive people/borrowers and steal the advances.
- Moreover, if you contact the bank that is supposed to guarantee the return of the advance, fast you will find that they have no knowledge of it. You will also find that this communication with the bank is forbidden in the agreement you sign with the fraudulent lender. You may ask why? (So that you don't discover the fraud before you send the deposit). That's why they don't give you much time in the agreement, so that you don't have time to contact the bank and get a reply.
WARNING
DO NOT accept any "advance payment guarantee" signed by any company or fake bank employee, unless it comes directly from the bank to ensure you get your money back if anything goes wrong. If you insist on getting an advance payment guarantee signed directly by their bank before sending any money, they will come up with a thousand excuses like it will take too long etc. to convince you...
WARNING: If you give in and send money, you'll lose your money and get no refund because your money will be credited to a (third party) account that you will see them using in the agreement you signed with them.
- If they send you a genuine payment guarantee from their bank, then you can proceed. But before you send any money, make sure it's really from their bank.
If you do not take these steps, one thing is certain. That they will steal your advance/money and then keep asking you for money, using any excuse to take as much as they can from you until you have lost a significant amount of money and they move on to the next victim, ignoring you. Usually, these excuses are that there is a new charge from a Chinese organisation or the bank, or accumulated fees, or an intermediary bank, which is not the case because it is all a lie.
Make no mistake, almost all of these companies are scams. If you look them up, they may be registered with the Registrar of Companies in Hong Kong with a paltry share capital of no more than 5,000 or 10,000 Chinese dollars and no assets so that your lawyer can take them to court and force them to pay back the money they have stolen from you. They cannot offer loans under any circumstances. What bank will trust them to do business with them? Think before you decide to lose your money!
Needless to say, I have strong evidence for everything I have written and I challenge this company to prove to you, before you become the next victim of fraud, that there is even one borrower who has received a loan from them.
They will claim that this is protected by commercial confidentiality. So, tell them that since they want you to trust them first, if they have signed a loan agreement with you, they can trust you and transfer the loan to your account first by deducting the down payment from the loan principal. They will tell you that this is not possible.
All approved loans from legitimate lending companies have a unique ID and are registered with the International Chamber of Commerce: ICC. So ask them to send you the ICC record of your loan application. They simply won't do it and you will be saved from the scammers.
If you are serious about getting a loan, look for a finance company that has a Licensing of Money Lender in its name from the Governing Authorities in Hong Kong. Only then will you have a chance of getting your loan.
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