@jomni thanks for sharing man!
I refer us back to what @antoniomc27 said in another topic:
Many people thought Mintos was a risk-free investment until Eurocent happened! Wrong idea guys, there is no free lunch in this world, an investment with 10-12% can never be risk-free.
It might be really risky to buy loans more than 60 days overdue with buy back guarantee on Mintos?