Using different ways to deceive citizens through phone calls, fraudsters pursue the goal of stealing your money from your accounts or make an online loan for you for subsequent transfer. 

 How is this done? 

First, a person receives a call from an alleged employee of a commercial bank and informs about the leakage of personal data or the issuance of online loans by third parties on his behalf. Next, an imaginary employee of the National Bank (or other state body) is connected, who, under the pretext of saving money, offers the victim to transfer it to a safe, secure account. At the same time, the numbers of the attackers may be fake. For convincing, they may send a fake ID or other document with the signature of the National Bank's management and the corresponding logo. In this case, the victim of fraudsters performs all operations on transferring or issuing online loans himself, following the instructions of fraudsters. 

 How can I protect myself? 

1. Interrupt the conversation if you receive a call from imaginary employees of the bank, National Bank or other government agencies and inform you about the leak of your personal data or unauthorized online loans in your name. If you decide to continue the conversation, in no case turn on the screen demonstration during the conversation, do not give your personal (confidential) data (TIN, codes, pin codes, etc.), do not confirm any information about you. Thus, it is better not to answer video calls from unknown numbers in messengers at all, as well as not to follow unverified Internet links from strangers. 

2. If a phone call has caused you doubts, you should call the official numbers of a bank, indicated on the website, in mobile applications, or go to the nearest office of the bank; 

3. Remember that banks and the National Bank do not call about unauthorized online loans or personal data leakage and do not send employee IDs and other official documents via messengers. 

 What should you do if you have been victimized by fraudsters? 

If you realize that you have become a victim of fraudsters, you should immediately notify the bank, ask to block the card or account, and then promptly file a report with law enforcement authorities. 

 REMEMBER: fraudsters' schemes may vary, but their main goal is to mislead you into believing them and transferring money from your account. From the moment you transfer your funds, the scammers' goal has been accomplished. 

 It is IMPORTANT to follow the official website of the National Bank of the Kyrgyz Republic www. nbkr.kg and official pages of the National Bank in social networks, where important information for consumers is posted: Instagram-nbkr_kg; Facebook and Telegram-channels of the National Bank, as well as news and notifications of financial and credit organizations on websites and mobile applications. 

ICK “MS & Co” LLC has been operating in the financial market of Kyrgyzstan since 2008. Certificate of registration #201 dated March 23, 2008. In 2014, the company was re-registered and received a license for factoring operations, which allowed to expand the range of services. The priority area of activity has always been and is the provision of quality services for financing of private clients. Absence of bureaucratic delays, minimization of terms of consideration and issuance of loans, simplicity and availability of credit products is an undeniable advantage. From 2008 to 2020, the financial and economic indicators of the company steadily showed the dynamics of smooth growth, which in turn is an indicator of stability and reliability of the company. With the required periodicity the company was audited by an external audit company “Kyrgyz Audit” All financial and economic indicators of activity are confirmed both by the audit company and the relevant division of the NBKR supervising credit institutions. Since February 21, 2020 there was a change of founders. In 2020 we intend to significantly expand the list of services for the population, launch new credit products. With the required frequency, the company was audited with the involvement of an external audit company Audit-Profit LLC From January to April 2020, there was an acceleration of inflation against the background of both external and internal consequences of the COVID-19 pandemic. Our priorities remain unchanged and are focused on simplicity, accessibility, reliability and integrity.

From July 1 resumes the accrual of penalties and fines for overdue principal and interest on all credit products. The only exceptions are loans subject to the National Bank of Kyrgyzstan's resolution of April 27 this year. The reason for partial exemption from sanctions may be changes in cash flows of the company and the impact on its activities of negative consequences of foreign economic shock. In this case, for exemption from the imposition of penalties borrowers must confirm that there are such effects. ICC “MS & Company” urges to pay the loans according to the schedules in order to avoid imposing fines and penalties.