"FINAL" asks for the loan twice, the divorced woman risks custody of her daughter

The next complaint in the show "Stop" concerns a loan, which the complainant says she has repaid, but they ask her to pay it again. In 2019, Edra Koroveshi received a new 40,000 lek loan and due to non-payment on time, this loan was sold.

One fine day, the citizen is contacted by a representative of the company "Final sh.a", who asks her to pay the loan to this company in the amount of 120 thousand new lek. Edra says that she called the representative of "Final" who tells her that she no longer has the authority for this loan. The executor states that he must repay the obligation. Meanwhile, the lady is in a difficult situation, as she is in the process of divorce and is raising a daughter alone.

With this outstanding loan claim, she fears that she may lose her daughter. According to the bailiff's documents, the creditor is Micro Credit Risk, now under the name Credital, but the name of the company "Final sha" is not found in any document.

Edra Koroveshi:  Why do I have to pay it when I have the bills and this loan opens up a lot of problems for me in court?

Bailiff:  You have the invoices that you paid something and it doesn't describe that you paid a loan there and moreover no one communicated these letters to you except me who is talking. I don't know what others have told you to pay, and you will clarify with others what you have paid to those others.

Edra Koroveshi:  Who brought you this letter?

The executor:  Credital company sh.pk has brought the entire file to us that has this debt with this original court decision that I have in the office. Find them and tell them what I paid off, because the description says payment, but how do we know that you had no other obligations to them, that you did it with another contract or for something, that's why the description is made for such and such a contract, every payment that is done.

"Stop" talks to Credital, the company that bought the loan, which claims that this loan may have been sold twice.

Employee:  This is credit purchased from us. The total that went to you as a debtor is 197 thousand. In February 2021, this loan was sold to us and normally since we have not had contact, we have not had an opportunity to communicate, it has gone into execution. MicroCredit Risk is what we are Credital. We have documents that you signed, how come "Finali" also had them at the same time?

Citizen:  This is my question in the meantime. If I don't have another loan and I made the payment to "Finali" by mistake because "Finali" may have cheated me, what happens?

Employee:  In this case, you will have to go and ask why he sold you the loan twice. And the moment he confirms to us that he sold it to you twice and you paid it off, we definitely return all the documentation.

Pano Soko, an economic expert, shows that this is a fraud scheme and the solution is through the state administrator who is placed in charge by presenting the invoices because if it continues in court, there will be high costs.