What to do if fraudsters took out a loan in your name
Posted: Tue Feb 18, 2025 9:14 am
Contact all banks and microfinance organizations that you find on the list. Check with them whether there have been any applications in your name. Explain that your account was hacked and you did not submit any applications.
Make sure that a loan has not been taken out in your name. To do this, you need to check your credit history in the BKI. A list of BKI that store your data can be requested on Gosuslugi. To do this, open the section "Obtaining information about the storage of your credit history" and send a request. After that, you need to contact the BKI and request access to your credit history. The service is available free of charge twice a year in all BKI.
File a police report. Provide all the data that you managed to find out from your contact information and activity history: IP addresses, devices, and services where your data was used. You need to file a report even if the attackers did not have time to issue a loan in your name.
If a loan has been issued in your name, you must immediately indonesia mobile database contact the bank or MFI and inform them that this was done by fraudsters. Then send a written statement in two copies and personally take it to the branch of the credit institution. The employee must put marks of receipt on both copies: keep one for himself, give the second to you.
You must attach evidence of your account being hacked on Gosuslugi to your application: take screenshots and print them out. You can also attach a copy of the application to the police.
The bank (or MFO) will review your application, check the attached documents and make a decision. There is a chance that the loan will be cancelled and the data will be sent to the credit bureau. But such cases often end up in court.
Do I need to pay back a loan taken out by scammers?
If you did not take out a loan, you do not need to make monthly payments. In court, such actions may be perceived as indirect evidence that you took out a loan and are trying to refuse to pay.
Most likely, the court will side with you and force the MFI to cancel the loan. This is only possible if you really did not take part in the application: did not come to the credit institution, did not sign. In situations where fraudsters force the victim to take out a loan and give them the money, the court sides with the bank. In this case, the loan must be repaid, and the money can only be returned if the police find the scammers and the court finds them guilty.
Make sure that a loan has not been taken out in your name. To do this, you need to check your credit history in the BKI. A list of BKI that store your data can be requested on Gosuslugi. To do this, open the section "Obtaining information about the storage of your credit history" and send a request. After that, you need to contact the BKI and request access to your credit history. The service is available free of charge twice a year in all BKI.
File a police report. Provide all the data that you managed to find out from your contact information and activity history: IP addresses, devices, and services where your data was used. You need to file a report even if the attackers did not have time to issue a loan in your name.
If a loan has been issued in your name, you must immediately indonesia mobile database contact the bank or MFI and inform them that this was done by fraudsters. Then send a written statement in two copies and personally take it to the branch of the credit institution. The employee must put marks of receipt on both copies: keep one for himself, give the second to you.
You must attach evidence of your account being hacked on Gosuslugi to your application: take screenshots and print them out. You can also attach a copy of the application to the police.
The bank (or MFO) will review your application, check the attached documents and make a decision. There is a chance that the loan will be cancelled and the data will be sent to the credit bureau. But such cases often end up in court.
Do I need to pay back a loan taken out by scammers?
If you did not take out a loan, you do not need to make monthly payments. In court, such actions may be perceived as indirect evidence that you took out a loan and are trying to refuse to pay.
Most likely, the court will side with you and force the MFI to cancel the loan. This is only possible if you really did not take part in the application: did not come to the credit institution, did not sign. In situations where fraudsters force the victim to take out a loan and give them the money, the court sides with the bank. In this case, the loan must be repaid, and the money can only be returned if the police find the scammers and the court finds them guilty.