A note first: we are a law firm and we handle online fraud cases only. We do not grant loans, we do not act as credit intermediaries and we never ask for advance payments. If you want our help, fill in the form at the bottom of this article.
We have already handled this case and we can help people who have fallen into the same trap. luceviering.com is a scam, and it belongs to the kind we consider the most ruthless of all: the kind that targets people who need money, not people who have it.
Who gets hit
Anyone who ends up on luceviering.com is not the profile people imagine. In the case we handled the injured party is a pensioner, a former physical-education teacher, with a salary-assignment loan already running and home works to finish. He was looking for financing of between eight and ten thousand euro. He looked for it where everyone looks: among the adverts scrolling past on social media.
That situation works as an amplifier. Someone who already has a commitment against their salary or pension knows they are not an easy customer for a bank, and so they are not surprised when an alternative channel asks for something extra. Whoever builds sites like luceviering.com is counting on exactly that.
How it works: you pay first and never receive
The luceviering.com pattern is always the same and rests on a single inversion: the money goes out before it comes in.
The application is accepted immediately, enthusiastically and without any serious checks. Then the chain of advance payments begins: a sum for opening the file, one for the compulsory insurance on the financing, one for processing costs, one to release a disbursement that is apparently stuck over a formality.
Each request is smaller than you would expect, and it is always the last one. That is why people pay: nobody would agree to hand over fifteen hundred euro in one go, but they hand it over in five instalments, convinced each time that they are one step from the end. The loan never arrives, because it never existed.
In the file we hold, the payments were made by bank transfer and by card top-ups, to different beneficiaries, all with apparently Italian names. That detail deserves attention: the Italian name is there to reassure, and the accounts used are often third-party accounts — people who lent out their own account and who risk, themselves first, ending up under investigation.
The OTP code: this is where it stops being about money
In the luceviering.com case an OTP code was also requested. It is the most serious point in this whole article, and it needs saying plainly.
An OTP code is the one-time code your bank sends to authorise an operation. It does not identify you, it does not accept an application, it does not verify an address. It signs. Anyone asking you for an OTP code is not asking you for a piece of data: they are asking you to sign, on their behalf, an operation you cannot see.
No credit institution, no intermediary, no operator of luceviering.com or of any other site ever has a reason to know that code. If you are asked for it, the request itself is the proof of fraud: you can stop right there, with no further checks.
And there is a legal effect worth knowing. Where an operation was authorised with a code supplied by the customer, the bank tends to treat it as an authorised transaction, and the refund regime laid down for unauthorised transactions does not apply automatically. That does not mean nothing can be done — it means the road becomes narrower, that the deception has to be demonstrated, and that it has to be travelled at once, not in six months' time.
The domain: opened in late September, still live
We checked the technical data of luceviering.com in November 2026. The domain was registered on 27 September 2026 through a French registrar. It answers from Cloudflare network addresses, which screen the real server, and the domain's mail is hosted with the same registrar.
The site is still live. That means two things at once: the fraud is under way, and anyone reading still has time to save the screenshots that will no longer exist in a few weeks.
The pages of luceviering.com carry none of what a credit operator is obliged to publish: corporate name, VAT number, registered office, register-enrolment number. There is no company behind luceviering.com — there is an invented name and a form to fill in.
No licence: the check you can run yourself
This is the most useful part for anyone weighing up a loan offer right now.
In Italy, granting financing to the public is a reserved activity: it requires enrolment in the register of financial intermediaries under article 106 of the Consolidated Banking Act, and unauthorised practice is a criminal offence under article 132 of the same Act. Even those who merely present the financing — financial agents and credit brokers — must be enrolled in a public list kept by the OAM.
Those lists are public and free. The check takes a minute: you search the company's name in the register of intermediaries and in the OAM list. If the name is not there, it is not a credit operator, whatever the site says. In the case of luceviering.com there is nothing, in either of them.
The offence
What luceviering.com does amounts to fraud under article 640 of the Italian criminal code: artifice and deceit — a site built to look like a financial operator, a non-existent application, invented costs — the victim induced into error, the payment. Where the victim is an elderly person, the aggravating circumstance of diminished defence makes the offence prosecutable by the State of its own motion: the complaint has to be filed.
Where the OTP code was actually used to operate on an account, the offences of unlawful access to a computer system and computer fraud under articles 615-ter and 640-ter of the criminal code are added. They are distinct from fraud, with their own sentencing framework, and they must be named expressly in the complaint: that is how you effectively ask for the access logs and the telephone records to be obtained.
What to do now
Pay no further advances to luceviering.com. No costs, no insurance, no release fee. A real loan is not paid for in advance.
If you gave an OTP code, call your bank now. Not tomorrow. Ask for your payment instruments to be blocked, for the operations you did not carry out to be disowned, and for a copy of the movements. Put everything in writing, by email too, because the date of the challenge matters.
Save everything. Screenshots of luceviering.com while it is online, of the form you filled in, of the chats, the emails, the social adverts you came from. Transfer and top-up receipts, with the beneficiaries' names.
Ask your bank for the full payment trail: destination IBAN, account holder, receiving bank, date and time. That is the material real work is done on.
Stop talking to them. Do not explain, do not threaten, do not announce the complaint: every reaction of yours is information they use.
Similar cases we have handled
The luceviering.com pattern repeats under different names:
- revexglobal.net: five domains, five different providers
- eccfinvestigators.com: the fake fund-recovery investigators
- intfadservice.com: the fake UN agency and the fake recovery
- crafthousejp.com: the fake work-from-home task scheme
- evolutiongruop.co: the misspelled name and the remote access
- multiiplextrade.com: from victim to suspect
A warning that concerns us directly
We are aware that someone is telephoning defrauded people using our firm's name. We never call on our own initiative, we do not telephone in the evening or at night, we do not use foreign numbers and we never ask for money by telephone. If you receive a call like that, hang up and write to us through the form on this site.
If this happened to you, write to us
If you have paid advances to luceviering.com, or to a site that promised you a loan and asked for payments before disbursing it, fill in the form at the bottom of this page. Give the dates, the amounts, the beneficiaries' names and whether you were asked for a code. If you did give a code, say so: it changes the priorities and it changes the timing.
We read every request and we answer. And if you are reading before paying the first advance, you have already saved all the rest.
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