With the development of consumer lending, new forms of money fraud have emerged. For example, an attacker can use the passport data of a person and, with the connivance of bank employees, arrange a loan for this person. How then can the victim of the fraud prove his innocence?
It is necessary
passport
Instructions
Step 1
Find out on what basis the bank is making claims to you. For example, if they called you and demand payment on a loan that you did not receive, find out as much information as possible: the name of the caller, the name of the bank, the number of the agreement under which the loan was allegedly issued, the date of the conclusion of this agreement. If you have been given all this information, call the bank's phone number posted on the official website or in the directory of organizations. Thus, you can understand if scammers are behind the appeal.
Step 2
If the information has been confirmed and the bank makes claims to you, come to one of its branches and try to find out the issue. Explain that you have nothing to do with the situation. Ask to show you for review a contract allegedly concluded in your name. Even if one exists, a handwriting examination will be able to prove that the signature does not belong to you.
Step 3
Contact the police and explain the situation. At the same time, it is quite possible that the bank will abandon its claims against you even before starting the case. If this did not happen, then your innocence will be proven by law enforcement agencies. If you doubt that you can defend your rights yourself, contact a lawyer - he will help you, if necessary, defend your rights in court.
Step 4
Then proceed as appropriate. Most likely, you will have to resolve the issue through civil litigation. If you have not signed any bank documents, your non-involvement in this loan will be proven.
Step 5
When deciding in your favor, make sure that information about you is changed at the credit bureau level. Find out with which BKI the bank, which you did not take out a loan, cooperates with. Then contact them to request that the episode be removed from your credit history based on a court order. They will be required to make changes to their databases. You can check this in a few months by ordering a statement from your credit history for free. No extra loans and delays in non-existent payments should not be listed there.
