Payday Loans hack



tencentpiece said:
If it's anything like the AFSL or ACSL (Australian financial services license and credit license respectively) - you can actually just contact somebody who has a license and 'rent' it from them.

It's not really that expensive, but if it's something 'risky' or frowned upon like payday loans most people/places will want a % rather than a flat fee.
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Nope, not here :( There are plenty of strict guidelines about what you have to do, and you have to list any trading names (including websites) on the application. If you want to add a new trading name, it's £100 plus 3 months wait, and if at any point you break any rules/don't follow exactly the practices you laid out on the initial application (e.g. marketing methods, having pages looked over by a lawyer, etc.) then you're liable to pay a £50,000 fine, and possibly have the license revoked.
 
-joe- said:
Nope, not here :( There are plenty of strict guidelines about what you have to do, and you have to list any trading names (including websites) on the application. If you want to add a new trading name, it's £100 plus 3 months wait, and if at any point you break any rules/don't follow exactly the practices you laid out on the initial application (e.g. marketing methods, having pages looked over by a lawyer, etc.) then you're liable to pay a £50,000 fine, and possibly have the license revoked.
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Joe are the rules changing for affiliates/lead generators? I don't really follow this industry but up till now, as I understand it, you don't need a consumer credit license unless you are an end lender.
 
jwm said:
Joe are the rules changing for affiliates/lead generators? I don't really follow this industry but up till now, as I understand it, you don't need a consumer credit license unless you are an end lender.
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At the moment, you can iframe, but (as I understand it) you can't actually do your own lead generation unless you have a category C (credit broker) Consumer Credit License, as well as a Data Protection License. (although the DPL is easy, it's ~£50 and approved within a week or two)

From what I've heard on the grapevine, once the OFT finish conducting their investigation into payday loan companies and brokers, it's likely that even iframing will be classed as credit brokerage, and will need the category C license.
 
Anyone better versed in SEO than I able to explain how this Russian has actually managed to do this? Is it really just as basic as taking an aged and trusted domain and slamming anchored links at it?

I checked in ahrefs, for KSKQ.org, and it does seem to be just sitewides using 'payday loans' as the anchor exclusively. Has Google suddenly reverted back to 1999 mode?
 
-joe- said:
At the moment, you can iframe, but (as I understand it) you can't actually do your own lead generation unless you have a category C (credit broker) Consumer Credit License, as well as a Data Protection License. (although the DPL is easy, it's ~£50 and approved within a week or two)

From what I've heard on the grapevine, once the OFT finish conducting their investigation into payday loan companies and brokers, it's likely that even iframing will be classed as credit brokerage, and will need the category C license.
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Good luck enforcing that on the black hatters who change sites about once a month.
 
Online resources are less secure and could easily hacked many times.It is really not recommended to trust online banks.
 
-joe- said:
Targeting the UK? Have fun with getting the consumer credit license that'll be required within the next few months.

Just the credit competency form for it is over 30 pages of questions.
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Frog in a Well never needed a license to get offers just for the traffic, and they were that low because he had no idea of what's was going on.
 
There wouldn't be any risk to him in terms of personal liability if he took the deal from competitors? Assuming he didn't blog about knowing he was compromised..
 
Delaney said:
There wouldn't be any risk to him in terms of personal liability if he took the deal from competitors? Assuming he didn't blog about knowing he was compromised..
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The risk would be pretty low, almost non-existent, but in theory, yes, he could be held liable if it went to court and they found the emails.
 
was looking at the uk serps for payday loans 3/4 days ago, neither of those sites werre there.

penguinloans.co.uk octopusloans.co.uk etc were #1,2 , and iirc they were regged/hosted in czechoslovakia at the time.
 
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