{"id":76550,"date":"2021-07-09T12:59:21","date_gmt":"2021-07-09T17:59:21","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=76550"},"modified":"2021-07-09T12:59:24","modified_gmt":"2021-07-09T17:59:24","slug":"microcreditos-digitales-terror-en-las-redes","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=76550","title":{"rendered":"Microcr\u00e9ditos digitales, terror en las redes"},"content":{"rendered":"\n<p><strong>Teresa Carbajal<\/strong><\/p>\n\n\n\n<p><em>Debo, no niego; pago, lo justo<br><\/em><\/p>\n\n\n\n<p>Una verdadera \u00abcaja de pandora\u00bb se abri\u00f3 a consecuencia de abordar el tema de los cr\u00e9ditos milagro, pues propici\u00f3 la denuncia de usuarios asiduos a la descarga de aplicaciones en su celular para acceder a peque\u00f1os pr\u00e9stamos que al menor atraso se han vuelto un thriller de suspenso que acab\u00f3 con su privacidad, amistades y hasta empleos, pues la app se apropi\u00f3 de sus contactos.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large is-resized\"><a href=\"http:\/\/www.lospoliticosveracruz.com.mx\/wp-content\/uploads\/2021\/07\/Cordoba.jpeg\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/www.lospoliticosveracruz.com.mx\/wp-content\/uploads\/2021\/07\/Cordoba.jpeg\" alt=\"\" class=\"wp-image-76333\" width=\"233\" height=\"389\"\/><\/a><\/figure><\/div>\n\n\n\n<p><br>Lo que Lorena me cont\u00f3 super\u00f3 cualquiera otro antecedente o caso parecido de abuso de cobranza que haya visto jam\u00e1s; su caso para m\u00ed marca un verdadero reto en b\u00fasqueda nuevamente de las causas por las que ocurre aquel fen\u00f3meno social y desde luego de las formas en que habr\u00e1 de conseguirse la sanci\u00f3n para esos creadores digitales de un negocio redondo de pr\u00e9stamo de dinero que lucran con la necesidad de las personas haciendo uso abusivo de la tecnolog\u00eda.<br>Lorena narra que hace apenas un par de meses viv\u00eda un momento terrible debido a la falta de trabajo que le imped\u00eda cubrir su renta y comprar comestibles; curiosamente para esos d\u00edas, apareci\u00f3 en su dispositivo un anunci\u00f3 con la oferta de acceder a un peque\u00f1o pr\u00e9stamo de mil pesos, para ello deb\u00eda descargar por play store una aplicaci\u00f3n gratuita del sitio ofertante, activar los permisos y autorizaciones para que la app pudiera descargarle un formulario que habr\u00eda de llenar con sus datos personales y previo el env\u00edo de dicho cuestionario acompa\u00f1ado de sus identificaciones y fotograf\u00edas que deb\u00eda tomarse a modo de selfies con la c\u00e1mara de su celular, deb\u00eda enviarlo por what\u00b4s app. As\u00ed lo hizo. Todo al pie de la letra.<br>Al cabo de unos segundos de concluido el tr\u00e1mite siempre en l\u00ednea y sin mediar interacci\u00f3n f\u00edsica ni verbal con absolutamente nadie, escuch\u00f3 el \u00abclick\u00bb de su celular avis\u00e1ndole que hab\u00eda recibido en su cuenta de d\u00e9bito el dinero pedido. Pudo con ello cubrir el apuro econ\u00f3mico y pagar las primeras cuotas semanales que acord\u00f3 con el sitio de pr\u00e9stamos, pero al cabo de otros d\u00edas y aun sin empleo fijo volvi\u00f3 a tener necesidad de mas liquidez. Entonces le dieron mas pr\u00e9stamos, todos peque\u00f1os y el mas alto seg\u00fan recuerda apenas si alcanzaba los 3 mil quinientos pesos.<br>Aceptaba de buen modo el compromiso de pagar m\u00e1s de 5 mil, por esos 3 mil quinientos pesos prestados, despu\u00e9s de todo, -dec\u00eda para s\u00ed misma-, la \u00absacaron del apuro\u00bb. Lo malo del caso comenz\u00f3 cuando ya no pudo pagar la cuota semanal.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large is-resized\"><a href=\"http:\/\/www.lospoliticosveracruz.com.mx\/wp-content\/uploads\/2021\/07\/Cordoba1.jpeg\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/www.lospoliticosveracruz.com.mx\/wp-content\/uploads\/2021\/07\/Cordoba1.jpeg\" alt=\"\" class=\"wp-image-76334\" width=\"225\" height=\"450\"\/><\/a><\/figure><\/div>\n\n\n\n<p><br>Pues entonces la aplicaci\u00f3n comenz\u00f3 a llamarle y enviarle mensajes para cobrar y recordar el considerable aumento de intereses por mora que ya hab\u00eda generado su falta de pago. Despu\u00e9s de eso se pusieron en contacto con ella v\u00eda llamadas ahora s\u00ed hechas, ya no por la inteligencia artificial si no por un empleado de la empresa que le daba 2 horas para conseguir el dinero, o comenzar\u00eda a llamar al azar a cada uno de sus contactos para cobrar a \u00e9stos la deuda de Lorena.<br>\u00a1Pero eso no se puede hacer!, respondi\u00f3 Lorena al cobrador, \u00a1no pueden llamar a mis contactos porque no les dar\u00e9 sus n\u00fameros! Y entonces el ejecutivo le precis\u00f3 que no era necesario, pues al descargar la aplicaci\u00f3n de pr\u00e9stamos, hab\u00eda autorizado la instalaci\u00f3n de un software que les permit\u00eda acceder a su directorio de contactos, (y seguramente a toda la dem\u00e1s informaci\u00f3n que conten\u00eda su dispositivo m\u00f3vil), y para probarlo le mand\u00f3 por lo menos 5 capturas de pantalla de lo dicho, como si el celular estuviera en manos del cobrador y no de Lorena.<br>A\u00fan no se repon\u00eda del frio que recorr\u00eda su cuerpo cuando sus contactos asustados le buscaron para reclamar porque estaban recibiendo mensajes de n\u00fameros desconocidos con la fotograf\u00eda de Lorena mediante los cuales se les ped\u00eda ayuda para ubicar a la \u00abdefraudadora\u00bb que hab\u00eda pedido dinero prestado y se negaba a pagarlo.<br>Su arrendadora le pidi\u00f3 el peque\u00f1o departamento rentado, sus probables empleadores le negaron en definitiva el empleo, sus amigos le recriminaron el abuso de darlos como referencias\u2026<br>Continuar\u00e1\u2026<br>Jornada Estatal para la Defensa del Patrimonio Familiar 2281148502 visite www.elbarzonrc.org Contacte elbarzonrc@yahoo.com.mx, O s\u00edgame en @terecarbajal<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teresa Carbajal Debo, no niego; pago, lo justo Una verdadera \u00abcaja de pandora\u00bb se abri\u00f3 a consecuencia de abordar el tema de los cr\u00e9ditos milagro, pues propici\u00f3 la denuncia de usuarios asiduos a la descarga de aplicaciones en su celular para acceder a peque\u00f1os pr\u00e9stamos que al menor atraso se han vuelto un thriller de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[13637,29317,29318,15570],"class_list":{"0":"post-76550","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-de-opinion","7":"tag-caja-de-pandora","8":"tag-creditos-milagro","9":"tag-microcreditos-digitales","10":"tag-teresa-carbajal"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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