Borrison/hk-legicost huggingface dataset:
對於胡志偉議員的修正案，要求將放債人的業務及相關中介公司納入金管局的監管範圍，我們認為，雖然很多財務公司都有參與樓宇按揭，包括"按上按"業務，但根據政府資料顯示，2014年年底相關活動佔本港銀行未償還住宅按揭貸款總額比重只是1%，金管局亦有措施加以監管，故對本港金融市場穩定未構成嚴重威脅。
As regards the amendment of Mr WU Chi - wai which proposes the inclusion of the businesses of money lenders and the related intermediaries into the regulatory ambit of HKMA we consider that although many finance companies are involved in property mortgage business including re - mortgage business government information shows that as at the end of 2014 these activities accounted for only 1 % of the total outstanding residential mortgage loans of the local banks and as HKMA has in place regulatory measures they have not posed a serious threat to the stability of the local financial market
因此，現時無法基於維持銀行體系及金融穩定的理據來考慮由金管局監管放債人業務。
Therefore there is currently no justification from the perspective of maintaining the stability of our banking and financial systems for considering bringing the businesses of money lenders under the regulation of HKMA
況且，大部分有關放債人及財務中介的投訴，均關乎它們的經營手法。
Furthermore the complaints against money lenders and financial intermediaries mostly have to do with their business practices
因此，以其他方式加強規管放債人及財務中介公司的經營操守，杜絕任何不良手段，將會更有效益。
In this connection it will be more effective to enhance regulation of the business conduct of money lenders and financial intermediaries to eliminate their unscrupulous practices in other ways
故此，我們對胡志偉議員的修正案有所保留。
Therefore we have reservations about Mr WU Chi - wais amendment
至於梁繼昌議員的修正案，當中第四點建議"研究將經營與放債相關業務的公司或機構納入現有法定機構的監管範圍"，民建聯認為，從政策研究角度來看，研究設立法定監管機構並無不妥，故不應刪去原議案的相關字眼。
As for Mr Kenneth LEUNGs amendment which proposes in point 4 the inclusion of companies or institutions engaged in money lending - related business into the regulatory ambits of existing statutory regulatory bodies DAB considers that from the angle of policy studies there is nothing wrong with exploring the establishment of a statutory regulatory body and so such wording in the original motion should not be deleted
因此，對於梁繼昌議員的修正案，我們會棄權。
Therefore we will abstain in the vote on Mr Kenneth LEUNGs amendment
代理主席，現時《放債人條例》第24條列明，放債人可以最高60%的年息貸出款項。
Deputy President the existing section 24 of the Money Lenders Ordinance provides that a money lender may lend money at a maximum interest rate of 60 % per annum
所以，《放債人條例》其實變相為財務公司創造了一個高回報的環境，因為只要借款人擁有物業或其他資產，財務公司便有極大誘因向還款能力成疑的借款人貸出款項；借款人如未能還款，財務公司便可以名正言順地拍賣借款人的物業，收回6分息的保證利潤。
Hence the Money Lenders Ordinance has in effect created an environment of high return for finance companies because as long as the borrowers own properties or other assets the finance companies will have a great incentive to lend money to borrowers with doubtful repayment capacity . Once the borrowers fail to make repayment the finance companies will have a legitimate ground to auction off the borrowers properties and receive a guaranteed profit at the rate of 60 % . In the past few years we received a number of similar cases
我們在過去數年曾接獲多宗類似個案，其中一宗個案，事主原本只欠銀行數萬元卡數，某天他收到財務中介的電話，表示可以低息借錢讓他償還卡數，最後事主付出了高昂的顧問費，向一間著名的財務公司借貸，最後真的清還了卡數，卻欠下財務公司數十萬元，最終無法還款，被迫賣樓還債。
One day he received a call from a financial intermediary who said that money could be lent to him at a low interest rate for settling his credit card bills . Eventually the victim paid a high consultation fee and raised a loan from a famous finance company . In the end he could really clear his credit card bills but then he owed the finance company several hundred thousand dollars
我明白高利率，即高風險、高回報，是商業社會中經常存在的情景。
Eventually he was unable to make repayment and was forced to sell his property to repay the debt . I understand that high interest rate which means high risk and high return always exists in a commercial society
除了上述存心欺騙的個案外，部分市民向財務公司借貸，其實是因為他們無法在正常的銀行體系下借貸，所以才付出較高利息向財務公司借貸。
Apart from the case of deliberate deception mentioned just now actually some members of the public borrowed money from finance companies because they were unable to raise any loans within the formal banking system . So they could not but borrow money from finance companies at higher interest rates
可是，大家看到現時財務公司的做法。
Nevertheless we can see with our eyes the practice of finance companies these days
法例的客觀效果，就是中介人可以完全以合法手段經營，財務公司亦可以完全合法地鼓勵市民無須理會風險，向他們借貸，最後有機會令市民傾家蕩產。
An objective result of the legislation is that intermediaries can operate by entirely lawful tactics and it is also completely lawful for finance companies to encourage members of the public to borrow money from them with no regard to the risk thus making it possible for members of the public to lose all their money and assets in the end
作為負責任的政府，是否根本不應該讓這種情況發生呢？
A responsible government should not have allowed such a situation to happen in the first place should it?
在條例未有修改的情況下，現時很多廣告也把借錢說成是很容易的事，廣告當中更會寫明"借錢易到極"、"無須物業抵押"、"財務公司可以幫到你"。
Given that the Ordinance is yet to be amended many advertisements are now depicting borrowing money as a piece of cake . They will even explicitly state to the effect that it is extremely easy to raise a loan there is no need for property mortgage and the finance company can help you
大家看到，近年財務公司的數目由2010年不足800間，上升至現時接近2,000間，可知財務公司不愁沒有生意。
In recent years the number of finance companies has increased from less than 800 in 2010 to nearly 2 000 now from this we can see that finance companies need not worry about poor business prospect
不過，監管工作卻完全追不上公司數目的增長。
However the regulatory efforts have absolutely failed to cope with the rise in the number of such companies
政府表示，在去年12月收緊牌照條款後，可以有效落實條例中放債人不得向借款人另行收費的規定。
The Government indicated that since the licensing conditions were tightened in December last year the requirement in the Ordinance prohibiting money lenders from imposing any separate fees on borrowers could be implemented effectively
條款修訂後，所有放款人在貸出款項時，均須確定市民沒有經任何中介公司借款，或該中介公司已經接受放款人的委託。
After the conditions were amended every money lender in making a loan must ensure that the loan is not raised through any intermediary or the intermediary has been entrusted by the money lender
這種做法其實把監管財務中介的責任置於放債人身上。
Such a practice has actually put the responsibility of regulating financial intermediaries on money lenders
在過往眾多個案中，市民其實不知道自己簽了甚麼文件，財務中介和財務公司如果想使詐隱瞞財務中介有否違規，其實並非難事。
In the numerous cases in the past members of the public actually had no idea what documents they had signed . In fact it was not difficult for the financial intermediaries and finance companies to play tricks to hide any non - compliance on the part of the finance intermediaries if they wished to do so
事實上，議會以至業界一直也懷疑這措施的成效，例如坊間不時有報道指出，在收緊放債人牌照條件後，有些中介人以現金收取手續費以逃避警方追查。
As a matter of fact the Legislative Council and the industry have all along doubted the effectiveness of this measure . For instance time and again there have been reports in the community that after the licensing conditions for money lenders were tightened some intermediaries requested handling fees in cash to avoid being tracked down by the Police
再者，對於中介濫收顧問費但最終申請人未能成功借貸，或中介存心欺騙顧問費而突然失蹤的個案，收緊發牌條件根本無法應對問題。
Furthermore tightening the licensing conditions can hardly tackle cases in which the intermediary overcharged the consultation fee but the applicant did not succeed in getting a loan in the end or the intermediary who deliberately defrauded the applicant of the consultation fee suddenly went missing
所以，我希望政府可以盡快全面檢討有關條例。
Hence I hope the Government will comprehensively review the relevant legislation as soon as possible
民主黨一直認為，現時由警務處負責執行條例，情況並不理想，由特定機構負責監管，才是較理想的做法。
The Democratic Party has all along held that the present approach of entrusting the Hong Kong Police Force with the enforcement of the Ordinance is not a satisfactory one . A more desirable approach is to have a dedicated organization responsible for the regulatory work
事實上，警方有眾多職務在身，很多時候也不會把執行《放債人條例》的相關具體細節放在心上，訂為要優先處理的工作。
In fact burdened with plenty of duties very often the Police will not bear the relevant specific details of the enforcement of the Money Lenders Ordinance in their mind or make it their priority task
這種廣告宣傳明顯令很多市民大眾落入了高風險的借貸過程而不自知。
This kind of advertisements has obviously caused many members of the general public to fall into a high - risk loan process inadvertently
最後，在我的修正案中，我提出了冷靜期的處理安排，希望市民在借貸前可以再想一想。
Last but not least I have proposed the arrangement of cooling - off periods in my amendment in the hope that members of the public especially young people will think twice before raising a loan
如果政府在條例中就小額貸款清楚訂明類似機制，我相信在保障消費者之餘，並不會影響真正的緊急商業運作。
I believe that if the Government explicitly provides for a similar mechanism for small loans in the Ordinance it will offer protection to consumers without affecting genuine emergency business operations
所以，我認為政府有責任就《放債人條例》進行全面檢討，以及通過這過程，令消費者受到保障。
Hence I consider the Government duty - bound to conduct a comprehensive review of the Money Lenders Ordinance and protect the consumers through this process
我們看到在針對放債人牽涉的相關事務中，跨黨派均有一致的看法及關注。
We note that on the issues concerning money lenders all political parties and groupings have consensus views and concerns
主席，"借錢梗要還，咪俾錢中介"，我相信自去年12月起，很多看電視的香港人都留意到這10個字。
President You have to repay your loans . Dont pay any intermediaries . I trust that since December last year many people of Hong Kong would have noticed these ten words when they watch the television
自從《放債人條例》"加辣"後，政府的做法確實應記一功，便是加強宣傳，勸諭市民小心放債人。
Credit should go to the practices adopted by the Government since the introduction of harsher measures under the Money Lender Ordinance for it has stepped up the publicity to advise the public to be wary of money lenders
主席，我也曾接獲中介公司來電，當然，這些來電未必來自本地，但這類電話騙案的確層出不窮。
President I did receive calls from intermediary companies . Certainly these calls may not necessarily be local yet the tactics of these phone frauds are multifarious
我們的辦事處在過去一段時間亦曾收到誤墮中介公司騙局的求助個案。
During the period in the past our offices received assistance requests from victims inadvertently falling into loan traps of financial intermediaries
求助人表示在收到這些電話後，對 方聲稱可代他向銀行低息借錢清還卡數，求助人曾到過中介公司，支付數百元作信貸評級，然後，公司給他一份文字很小且排列得密密麻麻的合約，要求他立即簽署。
People seeking assistance said that when they picked up those calls the callers would tell them low - interest loans could be obtained from banks to settle their outstanding credit card payments . A victim had been to the intermediary companies and paid a few hundred dollars for a credit check . After that the company gave him a contract printed tightly in very small fonts and required him to sign it immediately
即使後來他在很短時間內已要求取消這份合約，但因為已經簽署合約，即使是消費者委員會和警方也愛莫能助。
Shortly after signing it he requested that the contract be cancelled but since the contract had already been signed the Consumer Council and the Police could not help him despite their sympathy for him
主席，另一宗個案是這樣的，求助人欠銀行一筆款項，這件事不知為何被中介公司知道了，中介公司主動聯絡求助人同一個套路，說能提供低息借貸，為他進行信貸評級。
President in another case the person seeking assistance from us owed the bank a sum yet for reasons unknown his case was known to an intermediary company . The intermediary company contacted the victim―the same plot was adopted telling him that it could offer him a low - interest loan and conduct a credit check for him
這名求助人較為幸運，他發現所謂的低息相比坊間銀行的利息高很多，於是即時叫停了中介公司不用代他安排貸款。
The victim was relatively lucky . He discovered that the interest rate charged under the so - called low - interest loan was higher than that offered by banks in the market so he immediately stopped the intermediary company from arranging for a loan application for him
很可惜，最後他依然要繳交高達3萬元的服務費。
Unfortunately he still had to pay an exorbitant service fee amounting to 30,000 in the end
"借錢梗要還"？
You have to repay your loans?
大家可以說這些求助人自討苦吃，更可以非常涼薄地說沒人拿槍指着他們迫他簽署，但我們要搞清楚一個事實，就是為何不良財務中介這種另類"大耳窿"可在香港如此猖狂？
People may say that these victims have asked for it . They may even make extremely harsh comments by saying that no one force these victims to sign the contract at gunpoint . We must be clear about one point Why can unscrupulous financial intermediaries these atypical loan sharks operate rampantly in Hong Kong?
其實，主席，有頭髮誰想做瘌痢？
In fact President no one wanted to be bald if they had a choice
在香港想借錢周轉絕非易事，特別是沒有固定收入或沒有收入的人，信貸評級低或本身已負債累累的人，他們基本上不可能循正常途徑得到貸款，正因如此，財務中介才能乘虛而入。
In Hong Kong it is definitely not easy to borrow money to meet a cash shortfall particularly for those who do not have any income or a stable income those with low credit scores and those who are in a heavy debt for they cannot secure loans through normal channels in general . Financial intermediaries thus exploit the situation to their advantage
因此，主席，我想藉着這個機會奉勸那些迫不得已光顧財務中介的香港人，在簽署每一個名之前都要看清楚，在使用這些公司任何服務前，也一定要問清楚價錢，即使輕微如影印一張紙，也要問清楚對方收費如何。
Hence President I would like to take this opportunity to advise the people of Hong Kong who have no choice but to patronize financial intermediaries to read all the documents carefully before they put down any signature . Before using the services of these companies they must ask clearly about the fees charged . Even as minor as making the photocopy of a page of document they should ask for a clear description of the fee to be charged
去年12月，《放債人條例》"加辣"，所謂的"加辣"，除了要求財務公司在廣告上添加警告字句外，最辣的一招是強制中介公司必須先取得財務公司的委任，才可提供中介服務。
In December last year the Money Lenders Ordinance was made harsher . The so - called harsher measures include requiring finance companies to add a warning statement in all advertisements and the harshest measure is requiring intermediary companies to obtain appointment from finance companies before providing intermediary services
這招看起來是"大辣"，但這實際上只是令正當的中介公司多了一重手續。
This measure seems to be the harshest yet it has only obligated scrupulous intermediary companies to complete an additional procedure
對於以不良手法，甚至是以欺詐手段行騙的中介公司而言，這規定又有否打擊作用呢？
As for intermediary companies adopting unscrupulous practices and even fraudulent tactics is this requirement effective in combatting them?
主席，去年4月本會也曾討論這問題，當時不少同事均要求透過設立財務中介發牌制度以更好地監管中介公司。
President in April last year this Council discussed the issue . At that time many Honourable colleagues requested that a licencing regime for financial intermediaries be established to better monitor intermediary companies
很可惜，當時財經事務及庫務局認為打擊中介公司濫收費用是更迫在眉睫的問題，研究立法和發牌制度需時甚久，而且複雜，所以只用"辣招"頭痛醫頭。
Regrettably the incumbent Secretary for Financial Services and Treasury considered the charging of exorbitant fees by intermediary companies a more imminent problem and in view of the long time required and complexity of the study on legislation and a licencing regime some stopgap harsh measures were introduced
主席，事後回想，如果當日局方已開始研究發牌，規管中介公司，今天的情況會否如此惡劣呢？
President in retrospect had the authorities started studying the licencing regime to regulate intermediary companies would the situation have become so worse today?
不良中介為香港社會帶來的頭痛會否減輕一些？
Would the headache brought by intermediaries to the Hong Kong community has been alleviated in some measure?
當然，主席，我們清楚責任並不全在局方身上，執法機構其實也有不少責任，梁耀忠議員在他的修正案第八點提到的亦是針對現時的問題。
Certainly President we understand that not all the blame lies with the Bureau for the law enforcement agencies should indeed bear a considerable share of the blame . The proposal put forth by Mr LEUNG Yiu - chung in point 8 in his amendment directs at this issue
當然，身為議員，我們有責任處理市民的求助個案，但議員畢竟並非執法機構，我們與警方擁有的資源的確相差一大截。
Of coures we as Members are duty - bound to handle assistance requests from the public yet Members are not law enforcement agencies after all and the resources we have are far limited than the Police
主席，我並不是嘗試打擊或貶低警方在打擊罪案的那份努力，但我想指出，警方不是有大型打擊違例泊車行動時才抄牌，同一道理，警方作為執法者的確有責任對每一個舉報都非常慎重地作出調查，這樣才能預防市民落入騙徒手中。
President I am not trying to belittle or disparage the effort made by the Police in combating crime . However I would like to point out that the Police would issue penalty tickets not only during large - scale anti - illegal parking operations . By the same token the Police as the enforcement agency are obliged to conduct an extremely cautious investigation into each and every reported case as this may prevent the public from falling into traps of fraudsters
正如今早保安局副局長李家超先生在本會的人事編制小組委員會提到，科技發展一日千里，騙徒手法更是層出不窮，在《放債人條例》"加辣"兩個月後仍然發生騙案的情況下，我希望局方能慎重考慮填補法律漏洞，研究設立財務中介的發牌制度。
As the Under Secretary for Security Mr John LEE mentioned at the meeting of the Establishment Subcommittee this morning technology advances by leaps and bounds and tactics adopted by fraudsters are multifarious . Since the harsh measures under the Money Lenders Ordinance have been introduced for two months and fraud cases continue to occur I hope the Bureau will seriously consider plugging the loopholes in law and examine the establishment of a licensing regime for financial intermediaries
代理主席，政府於去年推出就放債人牌照施加更嚴格的牌照條件的措施，警方亦曾突擊搜查多家財務及中介公司，並拘捕一些違規人士。
Deputy President in addition to the measures taken by the Government last year to impose more stringent licensing conditions for money lender licences raids have also been conducted by the Police on a number of financial intermediaries and some offenders have been arrested too
不過，騙徒手法實在層出不窮，現行措施根本未能有效打擊這些不法行為，所以我認同要加強規管放債人及中介公司。
Nevertheless there are indeed all sorts of practices by fraudsters and the prevailing measures are simply ineffective in combating these illegal acts . Therefore I agree that the regulation of money lenders and intermediaries should be stepped up
代理主席，過往有不少市民向我們反映，懷疑有中介公司以欺詐手法，誘騙市民向銀行或財務公司借貸，從中收取高昂手續費謀取暴利。
Deputy President quite a number of members of the public have relayed to us that they suspect intermediaries adopt fraudulent practices to levy exorbitant service charges to make excessive profits by enticing members of the public to raise loans from banks or finance companies
市民不但借不到錢，更要負上一身債。
Not only have members of the public failed to borrow money they have also become heavily indebted
除此之外，一些合約更要寫上家人或朋友的資料，欠債人無力償還時，連累這些被點名的朋友和家人受到滋擾，使他們十分無助。
Besides it is even stipulated in some contracts that the information of family members or friends has to be provided . As a result when borrowers fail to repay their debts these named friends and family members will suffer harassment and be rendered helpless
這些中介公司的手法極其惡劣，用盡各種手段慫恿市民簽約，其中往往包括一些條款，令市民即使在日後發現受騙，中介公司亦會以白紙黑字為由，拒絕承擔責任。
The practices of these intermediaries are extremely deplorable . They will persuade members of the public by various means to sign contracts . And such contracts signed often include some terms and conditions such that even if members of the public later find that they have been cheated intermediaries will refuse to assume responsibility on the ground that the contracts are in black and white
事實上，過去我們亦曾聽過，坊間有不少中介公司往往標榜其借貸手續方便、超低息，又聲稱無須任何證明文件或審查，由於借貸方便，市民可能因而被吸引，在未了解清楚貸款的各項要求或自己還款能力的情況下，便透過這些中介公司申請貸款，最後導致債台高築，根本無力清還欠款，有時更要押上自己的房產。
Actually we have also heard that quite a number of intermediaries in the community often boast their convenient formalities and extremely low interest rates as well as claiming that no supporting documents or vetting is required . Since it is so convenient to raise loans members of the public might thus been lured and without understanding the various requirements of the loans obtained or their own repayment capability applied for loans through these intermediaries . Eventually they became heavily in debt and could simply not repay the loans
這時，中介公司及放債人會不斷滋擾及恐嚇事主，追收所謂手續費，亦有當事人因害怕連累家人而被迫就範。
What is more sometimes they even had to use their properties as collateral . By then the intermediaries and money lenders would persistently harass and intimidate the borrowers and collect the so - called service charges . Some borrowers were compelled to succumb for fear that their family members would be victimized
代理主席，這些苦主都是一般小市民，他們未必知道有甚麼渠道尋求協助或投訴。
Deputy President all these victims are ordinary people . They might not know through what channels they can seek assistance or lodge complaints
我知道有事主家屬曾報案求助，但警方由於未必能判斷這究竟是民事追訴、合約問題、不良銷售手法還是有欺詐成分而無法受理。
I know that some family members of victims have made reports to the Police and sought assistance . However since the Police might be unable to judge whether civil litigations contract issues unscrupulous sales practices or elements of fraud are involved the cases cannot be processed
當然，代理主席也知道，少於5萬元的個案可能要交小額錢債審裁處或區域法院處理。
Certainly the Deputy President should also know that cases involving less than 50,000 might have to be heard by the Small Claims Tribunal or District Courts
當一個人背負滿身債務時，怎會有能力聘請律師為自己辯護？
When a person is heavily in debt how can he hire a lawyer for representation?
所以，我希望政府能夠就財務中介及放債人的投訴設立專責熱線和專責小組跟進及調查有關案件。
Therefore in respect of complaints against financial intermediaries and money lenders I hope that the Government can set up dedicated hotlines and task forces to follow up and conduct inquiries into the relevant cases
此外，政府亦應從問題根源着手，加強規管財務公司的宣傳手法，同時亦要加強宣傳及公眾教育，防止市民誤墮借貸陷阱。
Furthermore the Government should address the problem at root by stepping up regulation of the promotion practices of finance companies . Meanwhile publicity and public education should also be enhanced to prevent members of the public from inadvertently falling into loan traps
近年，街頭、電視，以至網絡世界都充斥這些宣傳廣告，把借錢包裝成為快速解決問題的好辦法，鼓吹消費主義，向年青人灌輸不正確的金錢觀 念，令他們覺得可以借錢達到自己玩樂、遊樂的目的，養成他們"先使未來錢"的習慣，忽略他們還款的能力及責任。
In recent years these advertisements can be found everywhere on the streets television and even in the cyber world . Packaging money borrowing as a good way to resolve problems promptly these advertisements advocate consumerism and instill a wrong concept of spending money into young people giving them an impression that they can raise loans for their own pleasure purposes . Not only will they develop a habit of spending in advance but they will also ignore their repayment capability and responsibility
所以，我認為政府應加強宣傳教育，加強市民對借貸的認識，呼籲市民在透過財務中介公司借貸前要加倍小心，盡可能直接向銀行或合法的財務機構進行借貸。
Therefore I think that the Government should enhance publicity and education enrich the publics knowledge about borrowing and urge members of the public to exercise more caution before raising loans through financial intermediaries and raise loans direct from banks or lawful financial institutions by all means
同時，我建議政府考慮設立全面的財務中介公司資料庫，供市民查閱，方便借款人識別信譽良好，正規的財務中介公司。
Meanwhile I propose that the Government should consider the establishment of a comprehensive database on financial intermediaries for public inspection and facilitate borrowers in identifying formal financial intermediaries with a good reputation
財務中介公司在市場上有一定的需求，政府實在責無旁貸，應研究如何完善現有監管機制，確保相關行業有良好的營商環境，促進良性競爭，推動行業發展。
Given the demands for financial intermediaries in the market it is incumbent upon the Government to explore how best the existing regulatory mechanism can be improved to ensure a business - friendly environment for the relevant industry promote healthy competition and take forward the development of the industry
代理主席，對於一些急需現金周轉的市民來說，其實中介公司或財務公司有其存在價值，只要政府能夠加強規管放債人及財務中介公司，嚴格打擊不良銷售手法，令不法分子不能以財務中介名義騙財，同時教育市民妥善理財，選擇合資格的中介公司的服務，相信將有效防止市民受騙，墮入借貸陷阱。
Deputy President for some people in urgent need of cash intermediaries or finance companies indeed serve a purpose in existence so long as the Government can step up the regulation of money lenders and financial intermediaries clamp down on unscrupulous sales practices to prevent the unruly elements from cheating money in the name of financial intermediaries while educating members of the public on proper management of their money and choosing services provided by qualified intermediaries I believe it can effectively prevent members of the public from being cheated and falling into loan traps
梁議員，我發言贊成加強規管放債人及財務中介公司。
Mr LEUNG I rise to speak in support of stepping up the regulation of money lenders and financial intermediaries
這些公司五花八門，巧立名目，有些自稱甚麼財務公司，有些則表明是中介公司，當中有很多人自稱會計或甚麼顧問，這些名稱已令市民感到十分混淆，以為他們真的具備專業知識，在財務領域是專業人士，但實際上，我們當然知道他們並非如此，他們巧立名目，層出不窮。
Among them many claimed to be accountants or some kind of consultants . These titles made members of the public very confused . They thought they were really professionals in the financial field with professional knowledge but of course we know that they were actually not
我們接獲的個案絕大部分屬於這類，而且那份所謂中介合約，往往只是一兩頁紙，完全不是我們在律師樓或會計師樓看到的專業顧問服務合約。
A vast majority of the cases received by us belongs to this type . Moreover the so - called intermediary contract often comprised only one or two pages . It was absolutely not any professional consultancy service contract which we see in a law firm or an accounting firm
雖然他們並非擁有專業知識的人，而那份合約亦不是專業合約，但如果借款人真的無法還款，他們要控告借款人的話，其背後的專業法律團隊卻非常厲害。
They were not people with professional knowledge and that contract was not a professional contract but behind them they had an awesome team of legal professionals to sue the borrower if the latter really failed to make repayment