My Horrific Experience with Laim Zaim - Don't Ever Borrow from Them

I'm sharing my nightmare experience with taking a loan from Laim Zaim, and I'm warning you: stay far, far away.

I needed 6,000 rubles in a pinch, and I knew I shouldn't be taking loans often - if you borrow 3,000 and return 10,000, those interest rates are crazy. I was looking for a good deal, and I knew that if you take your first loan from any MFO, you don't pay interest and return the amount you borrowed. I found Laim Zaim through some reviews, but I'm guessing they were fake - it seemed legit at first, but that's a red flag right there. The first thing that bugged me was that they'd taken out insurance without my consent, even though I'd unchecked the box. So, I borrowed 6,000, but had to return 8,100 rubles. I reached out to their support team, saying, 'What's the deal with this?' It took them a while to sort it out, but they eventually sent me a statement of refusal for insurance, which was valid for a month after taking the loan. I filled it out and sent it back, and the next day, they returned 2,100 rubles to my card - although I only needed 6,000. Nice surprise, right?

I kept those 2,100 rubles to add 6,000 and return the whole amount without interest, as I'd read that to keep this privilege, you can't return the money in installments, but have to pay the full amount on the due date - good thing I read that. So, the due date arrives, and I try to transfer the money from my card, but there's a commission - 900 rubles, not counting the coins. I was speechless. I wrote to their support team, and they said, 'If you want to avoid commission, you have to pay through the terminal with the provided details, and the payments will only come in three days.' Which, of course, means that I wouldn't pay on time, and the interest would keep piling up. That's just normal, right?

Anyway, I'm left with a bad taste, and I won't be taking any more loans from them, nor would I recommend it to you if you don't want to get stuck.