Guaranteed loans, what a blow: “Reports or give them back”

Guaranteed loans, what a blow: “Reports or give them back”
Guaranteed loans, what a blow: “Reports or give them back”

Ugly surprises for those who have requested the Covid loan of 25 thousand euros, with a refund at a subsidized rate and a 100% State guarantee. The Guarantee Fund, that is the person who should guarantee the loan, has begun to send to some entrepreneurs – as per documentation which Il Giornale is in possession of – the request for the repayment of part of the loan because it is “not adequately documented”. Let’s make a necessary premise. If there are clever ones who have abused these loans, it is right that they repay everything, with interest. But the cases that Il Giornale is able to document do not fall into this category. Second premise: before granting this type of loan, banks carry out regular investigations. “Otherwise if the beneficiary does not pay – explains the accountant Gianluca Timpone – the State rivals the credit institutions”. Therefore, whoever has taken the 25 thousand euros has passed the caudine forks of the banking, fiscal and cross-tax checks: no protested, no defaulting parties, etc.

A few months after the duly honored loan, some entrepreneurs received letters from the Guarantee Fund in which it was assumed that some sort of reporting would still be required, under penalty of repayment of the guaranteed loan. Many of these good-natured warnings have fallen on deaf ears, others have not. “But it was not foreseen, it wasn’t written that you had to justify any expense – underlines the tributary – that money was used to overcome a difficult moment of businesses and self-employed workers, it could be used to pay the rent of the house, the children’s nest or the bills ». In short, in the contract stipulated with the banks “there was no specific destination”, otherwise it would be based on asking for a loan “for simple liquidity”. So much so, observes the professional, that it is not the bank but the Guarantee Fund that raises the reporting. It is as if the guarantor of a loan requested back money that was not his own, but guaranteed by him, for a loan granted by a bank and regularly paid.

But there is more. According to the Revenue Agency, those who have miscalculated not only must “spontaneously” return the amount unduly received, but must also add “the related interest and paying the related penalties by applying the reductions of the active repentance”. A sanction ranging from 100 to 200% of the amount, as in the example of the Revenue: “In the case of a contribution of less than 4,000 euros, the administrative fine from 5,164 euros to 25,822 euros, with a maximum of three times the contribution unduly received “.

Moreover, as Il Giornale had already written on 5 October, if the bank had not granted the loan, the report to the Crif would have been triggered. And goodbye, for at least 6 months to overdrafts, castelletti, requests for other loans and mortgages, credit cards and new current accounts. This is the experience lived by an entrepreneur from La Spezia, who decided to sue the Prime Minister through his lawyer Claudio Defilippi, who adds: “It is the government, which has not provided for real compensation to face the crisis, to induce entrepreneurs to apply for funding due to the emergency ». “It is yet another example of how the bureaucracy is killing more victims than the crisis itself”, is the accusation of Antonio Gigliotti (Centro Studi Fiscal Focus), “this is how the door is barred to one of the subjects that the State should help “. Meanwhile, the emissaries of the mafia, with suitcases full of cash to be laundered, go around hunting for entrepreneurs strangled by the crisis and the greed of a tax collector state. One wonders who the real usurer is.

PREV Astrazeneca hypothesis also for under 60s – The Truth
NEXT “Can you lend me yours?”: The message of the friend who empties the paper