The Internet gives us many options – quick shopping, easy payment, budget monitoring, as well as the possibility of taking a loan. In this process, the identity verification is based on the information that is entered into the form from the ID card, which we do not need to actually present. Although this is a convenient solution, it also has a big minus – there are mines of fraud. How to check if someone took a loan from me and what to do in this case?
What if someone took a loan from me?
The person on whom the loan was taken usually lives in the dark until the letter requesting payment arrives. Then, immediately, take the appropriate steps and ask yourself: where does the third party get my data?
Sometimes, the reason is evidence stolen from us
Stolen or lost ID card is one of the most common reasons for extortion. If you did not do it immediately after being stolen or lost you must:
- go to the police to report a credit fraud
- notify the lender by attaching documents confirming the theft or loss of an identity card from the police
- To make it even more credible in the eyes of the bank, it can be proved that the verification fee was not charged to our account and that the loan amount did not affect our account.
These steps should be taken as soon as possible – preferably before commencing bailiff proceedings.
Can I take a loan as a copy of an ID card?
Until recently – unfortunately yes. Until July 12, 2019, i.e. before the amendment to the Act on public documents entered into force, the so-called a replica of an ID card without the need to have an original document. A photocopier or scan was enough. Currently prohibited by law – photocopying identity documents by institutions other than banks and offices is punished. The ban applies not only to evidence, but also to other public documents – including passport, driving license, vehicle card or document certifying the right to practice a profession by a doctor.
If you think someone may have taken a loan in your name, you must write to the financial institution issuing the loan and then notify the police. You can ask the bank to issue a loan agreement and then compare your signature with the one on the document.
How can you check if someone has taken a loan from me?
Do you suspect that someone may have taken a loan for your data? You ask yourself: how do you check if someone has not taken credit for my ID? You must analyze your debt history at the Credit Information Bureau!
BIK collects, stores, processes and provides information related to the credit history of bank customers, with particular emphasis on their repayment timeliness. The BIK contains all necessary information and data used by lenders. You can also find backlog information there. This is where you can check if someone has credit.
The loss of an identity document should always lead us to reserve the document as soon as possible. Even if we hope that it will be found soon, or we simply don’t remember where we hid it – it’s not worth the risk. The consequences – such as extortion of a loan in our name – can be very severe. It can only save us from this.