Can they get a loan using someone else's passport? What to do if scammers received a loan from you? What to do in such a situation

Life is beautiful and everything is going as it should! Until one most unpleasant moment, when you receive a letter from the bank informing you of non-payment of the loan. A loan you don't even know about. How, why, where did it come from? It's simple... Fraudsters have used your passport to get a loan. They have money, and you... with a huge debt and frayed nerves...

How scammers take out loans using other people's passports

You may find it incredible that someone can use someone else's passport and get a loan. However, such cases are not at all uncommon. For example, Muscovite Evgeny Novikov owed three banks at once in the amount of almost 200 thousand rubles. The young man lost his passport, and wrote a statement about its loss on the same day. However, the scammers turned out to be quicker...

Alexey Boychenko from Magnitogorsk did not lose his passport, however, he also owed 66 thousand rubles. As it turned out, in the Svyaznoy salon, 36 SIM cards were issued in his name, on which debts subsequently accumulated, and 2 loans for phones. And there are a lot of such cases! People complain every now and then that they somehow got loans from banks or loans from microfinance organizations.

Despite the fact that banks have a serious security system and carefully study the borrower before giving him money, there are still many tricks through which scammers carry out their scams and take out loans using other people’s passports. The development of online loans, which do not require showing your face or personal presence, only further facilitates such fraud. Here are a few methods that attackers use:

Assistance from a bank employee who will turn a blind eye to the fact that the passport is a completely different person and will issue a loan for him. Sometimes it even happens that the operation is carried out retroactively, in order to protect yourself if the passport is suddenly listed in the Foreign Ministry database as stolen or lost.
Taking out an online loan. The simplest and most popular method. There is no need to meet a bank employee in person or show your face. You just need to send a screenshot of your passport or its details, and then confirm everything over the phone. Voila! The loan has been issued!
Purchase in online stores with ordering on credit. The scheme is similar to the previous one.
Forgery of passport. A fake document is produced. The data in it is the same as in the victim’s passport, but the photo of another person has already been inserted, who will go to take out a loan. “Linden” is of quite high quality, and is especially successful in microfinance organizations or various stores, where, due to inexperience and a large number of clients, employees do not properly consider the documents provided to them.

These are just some of the schemes that scammers use to take out a loan using someone else’s passport. There are actually a lot of them. And it is not at all necessary to steal the document. It is enough to even get a photocopy of it, and you can already apply for a loan. The victim only learns after a few months that borrowed funds were issued to her, when the bank deigns to notify him that the loan is not repaid. Considering how much time will pass, in addition to the principal amount, you will have to pay quite a considerable penalty... Moreover, attackers often take out several loans!

What to do if a loan is taken out in your name?

It is very difficult to get out of the debt hole that scammers have driven you into. After all, banks understand perfectly well that by withdrawing a loan from a person, they will simply lose money. Where to look for that scammer who introduced himself under a false name? From whom should the debt be collected? Therefore, you will have to spend a lot of nerves to force the financial institution that issued the loan to conduct an investigation and prove its innocence.

The action plan is as follows:

Request to the BKI for details of your credit history.
Request your personal credit file from the bank to make sure that the loan was actually issued using your passport data.
Write a statement to the bank about fraudulent activities using your passport.
Write a statement to law enforcement agencies and have a criminal case initiated for forgery or use of false documents.
Go to court if the lender insists that it was you who took out the loan.

Unfortunately, you can only get the loan removed if you really have strong evidence of your innocence. For example, documents indicating that you were absent from the region where the loan was taken, or confirmation from law enforcement agencies that at the time of taking out the loan, your passport was listed as stolen or lost.

How to prevent fraud

I doubt that you want to one day receive a “lucky” letter from the bank saying that you owe it the nth amount of money. Not only will you end up owing a tidy sum that you have never even seen before, but your credit history will be hopelessly damaged, and in the future you will have difficulty borrowing money, even if you can prove that you didn’t take the loan You.

In addition, you will have to spend a lot of time and effort to get your loan removed. And what stress you will have to experience! And it is far from a fact that you will still be able to prove that you are innocent. Therefore, to prevent this from happening, I strongly recommend taking the following precautions:

Be careful with your passport. Do not give it to other people, including relatives. There are many cases when relatives took out loans, so trust, of course, is good, but security is more expensive.
Be careful with photocopies of your passport. There is a possibility that an employee of an organization that requires a photocopy of a document or its data from you may leak it to scammers.
Do not send scans or photographs of your passport to online personalities or unknown sites.
If your passport is lost or stolen, immediately write a corresponding statement to law enforcement agencies. Even a day of delay can later cost you a couple of tens of thousands of rubles.
Periodically make a request to the BKI about whether loans have been issued to you, where and in what amount. Moreover, there is no need to pay for this procedure if the request is made once a year. This will allow you to find out in time if fraudsters have taken out a loan on your passport, and not receive a letter from the bank six months later, and even with a huge accrued penalty. The sooner action is taken to identify the true borrower, the greater the chance that you will not have to pay off someone else's debt.

It is better to take these security measures and carefully monitor your passport than to find out one day that you need to give 50-150 thousand rubles to banks and microloan organizations. It is far from certain that you will be able to prove your innocence. And what can we say about the spent nerves? Therefore, be extremely careful. I sincerely wish you never to get into such troubles.

Today in the financial market there is quite strong competition between banking institutions and credit organizations. In this regard, the latter, in order to attract consumers, minimized the requirements for potential clients. Unfortunately, this fact became one of the decisive impetuses for the development of fraud.

To protect yourself from this kind of deception, you need to know how to apply for a microloan on someone else’s passport.

To do this, the fraudster goes to the official website of any microfinance organization and analyzes the list of required documents to apply for a loan. Here he fills out the form, indicates the necessary data and sends it for approval. The MFO employee checks everything and sends a response via the Internet.

If the application is approved, the client must sign an agreement at the company's office. Here everything depends on the attentiveness and competence of the MFO employee. If he sees that the passport photo shows another person, the borrower will be denied further cooperation.

Fake appearance and signature

As a rule, experienced scammers decide to take such an adventure. Having received the document, they apply for loans on other people’s passports online. To do this, they need to provide the following information:

Full name, full date of birth;
series and document number;
registration;
contacts of the potential borrower and his relatives;
job and monthly income level;
scanned copy of the passport.

If the application is approved online, the fraudster must come to the company's office and sign the agreement. He needs to resemble as closely as possible the person whose documents he is using. The success of the adventure depends 50% on where the attacker goes to get a loan.

Statistics show that most often fake borrowers use the services of microfinance organizations. This is due to the fact that MFOs do not set strict requirements when issuing loans, and also work with the Qiwi electronic system.

Fraud by employees of microfinance organizations and banks

It is not uncommon for scammers to work in tandem: one steals documents, and the other, working in a financial institution, applies for a loan on someone else’s passport.

With a clearly thought-out action plan, an MFO employee can enjoy all the benefits of lending for a very long time.

To minimize risk, scammers withdraw money to a Qiwi wallet. The simplicity of registration on Qiwi allows them to get to this service within a few minutes. Then the wallet can be used not only for electronic payments, but also for withdrawing money in cash.

The worst thing is that when the fraud is discovered, such a person is most often fired and his actions are hidden in every possible way. It is more profitable for a company to pay off the debt itself than to sacrifice its reputation and involve law enforcement agencies.

Online loan terminals

Relatively recently, a new option appeared in our country - obtaining loans through terminals - credit machines. They resemble terminals that accept payments for mobile communications.

They function as follows: a person on the monitor selects a convenient type of loan, amount and repayment period. Then he enters his mobile phone number and attaches his passport to the built-in scanner. Within 5-7 minutes he receives a response.

If the answer is positive, the loan agreement is drawn up using an offer; an electronic signature is not even required from the client. As you understand, anyone can take out a loan on someone else’s passport. The success of the transaction depends only on his ability to use the terminal. Another disadvantage of credit machines is the rate of up to 15,000%.

Despite how easy it is to get a loan, you still have to pay it back. Otherwise, the consequences will be dire.

How to protect yourself from scammers

No one can be 100% insured against attackers, however, there are several recommendations that, if followed, will minimize the risk of becoming their victim:

If you lose your passport, contact the Federal Migration Service as soon as possible and write a statement about the loss of the document. After this, the passport number will be entered in a special register, and if the microfinance organization issues a loan for it, responsibility for this act will lie entirely with its employee. It is important to remember that Russian legislation provides for a fine of 100-300 rubles for loss of a passport.
If you receive a notice about debt on a loan that you did not take out, you should not ignore it. Someone may have used your data. In this case, you need to immediately visit the office of the credit institution and request complete information on the loan. A company employee has no right to refuse you. After this, contact the police with all the evidence.
If you are sure that your passport has been stolen, contact the police for help. The faster this is done, the higher the chance that the attacker will not have time to apply for a loan in your name. After writing a statement to the police, you must be given a special certificate confirming the fact of theft, and with it you go to the FMS. In this case, there is no need to pay a fine for loss of the document.

Since today a photocopy of a passport is needed by almost all authorities, write on each of them “not for a loan agreement” or “the copy is correct,” the date and signature. Try to keep your passport in a safe place and do not take it out of the house unless necessary.

A person who fundamentally does not deal with banks, or simply does not take out loans, may still face the problem of unpaid debt. First, bank employees start calling him, notifying him about some kind of debt, and then, if he has not taken steps, the case is handed over to the collectors for “tearing to pieces.” The person is perplexed: “How did this happen? After all, I didn’t take out any loans, and I don’t owe anyone anything?!” The loss of a document, disclosure of confidential data and many other factors can cause unexpected debt. Is it possible to take out a loan using someone else's passport? Although this process is not so easy, it is still possible. The use of other people's data for one's own selfish purposes is interpreted as forgery of documents. But this rarely stops attackers.

How it usually happens:
A photocopy or scan of a passport is used to obtain a loan;
A lost passport falls into the hands of fraudsters;
There is a deliberate theft of documents in order to issue illegal loans on them.

Such cases are common and answer the question “is it possible to take out a loan on someone else’s passport” in the affirmative.

Some ways to apply for a loan using someone else’s documents

1. With the assistance of a bank employee. The majority of such cases have been recorded. In this case, a forged document is used, and the bank employee simply turns a blind eye to this fact. He can apply for a loan retroactively, for a document that is already in the Ministry of Foreign Affairs database as lost or stolen. For such services, unscrupulous bank dealers usually demand a portion of the borrowed money.
2. Online loans. A large number of offers from microfinance organizations suggest a simplified scheme for obtaining credit money. You can take out a loan for someone else’s passport via the Internet. After all, remote loan processing does not imply a personal meeting of the client with his lender, but only a virtual check. To confirm the data, the lender talks to the potential borrower over the phone. This is one of the available ways to take out a loan online using someone else’s passport.
3. Forgery of an identity card or passport. Sometimes a stolen or lost passport is altered. Another photograph is pasted into it. Bank employees may not notice the forgery, or they may be in cahoots with the criminals. Scans and copies of your passport can also serve as the basis for obtaining a loan. Fraudsters manage to convince credit department employees to accept them without the original.
4. Attracting a double. This method is difficult and dangerous to implement. After all, finding a person similar to the owner’s photo in the passport is not very easy. Experienced bank employees can recognize fraud and report it to security services or law enforcement agencies. Then the instigators face serious criminal liability. But such a scheme sometimes works and the loan is issued. Thus, you can apply for a loan indicating someone else’s address and all personal data.

Another way to get an online loan on someone else’s passport

Attackers make an online purchase using someone else's data. The bank introduced a remote lending procedure to facilitate interaction with clients. This is what scammers take advantage of. How to get a loan online using someone else's passport? The fraudster enters data from someone else’s document into a form to complete a purchase on credit and sends it for verification. If the document is not yet marked as lost in the database, the check is successful and the loan is issued. Sometimes, when applying for a loan, they indicated someone else’s number as an additional guarantor. Lenders do not always check it immediately. This usually happens after the loan debt has arisen.

What should the owner of documents used for an illegal loan do?

Send a request to the BKI and request a printout of your credit history.
Write a complaint to the bank where the illegal loan was issued.
If the debt is canceled by the bank due to evidence of fraud, the corresponding paper must be sent to the BKI in order to restore your borrowed reputation.
If you were unable to resolve things amicably with the bank, then you need to file a lawsuit or write a statement to Rospotrebnadzor.

You should never pay off someone else's loan! This may save you from debt collectors, but it will ruin your credit history for a long time. The many ways to apply for a loan using someone else’s phone number and other data opens up wide opportunities for criminals. Therefore, you should protect yourself from this possibility:
keep documents in a safe place;
do not send scans and photocopies of documents to dubious Internet resources;
If your passport is lost or stolen, you should immediately write a statement to the passport office or the police.

Considering all the above methods of fraud, the answer to the question: “Is it possible to get a loan on someone else’s passport?” is clear. Can. And subsequently proving your non-involvement in the debt is not easy. But you shouldn’t let things take their course and give up. Fraudsters who know how to take out a loan on someone else’s passport should also know that retribution will overtake them in any case.

Every year, an increasing percentage of the population gives preference to quick cash loans, in comparison with large banks. This statistics is due to the expansion and, at the same time, simplification of the functionality of the credit segment. The structure of microcredit allows clients to receive a small amount of money for a short period of time, eliminating the lengthy collection and verification of documentation.

To apply for a loan, a document confirming your identity is sufficient. The majority of microfinance institutions approve applications without taking into account the presence of a negative credit rating. However, all companies providing funds are based on developed regulations that prescribe the conditions for issuing funds.

There are many variations of requirements for a borrower (depending on the type of organization and, accordingly, regulations), we list the main ones:

Age from 18 years;
Age restrictions (threshold 65-70 years);
Mandatory Russian citizenship;
Reliability of the information provided.

The structure of microcredit is the most rational and profitable solution, under certain conditions. In addition to the ease of drawing up a loan agreement, minimum documentation requirements and other flexible conditions for issuing loans, many microfinance organizations issue loans without checking credit history, also “missing” such points as:

Lack of registration;
Inability to pay bail;
Lack of permanent job.

Naturally, no one is immune from force majeure situations. It may happen that a sum of money is needed in an emergency, but the passport is simply not there (lost by accident or in a natural disaster). “Microcredit without a passport” is the most common request in such cases. It may be possible to legally get a loan without an ID document. However, let's look at the other side of this situation.

Passport fraud. Actions of scammers

Let’s say a person has never applied to large banks and, especially, microfinance organizations, this does not exclude the possibility of discovering that he has a debt. This happens when a passport is lost or stolen specifically for the purpose of applying for a loan. It’s not a fact that there won’t be an unscrupulous specialist in the microfinance organization who will calmly reuse your personal data (if you did take out a loan before).

There may be such an outcome: the lost document was simply found by a random “sophisticated” person, and was immediately used in an attempt to take out a loan for another person. After such a detailed description, there are unlikely to be any questions left about how to apply for a microloan on someone else’s passport. However, let’s consider more sophisticated variants of fraud such as “microloan using someone else’s passport”:

The fraudster attracts people who vaguely resemble the person in the passport photo, changing their personality through makeup. This method is used when it is necessary to be personally present at the microfinance institution’s office.
Replacing the photo in the passport with a photo of the “left” face.
Deal with a microcredit system specialist. It is effective if the fraudster is in a criminal conspiracy with an employee of the microfinance organization, who is taken as a “share”.

It’s not worth even mentioning that all of the methods listed are criminally punishable. It is obvious.

Despite the fact that criminals hone their “talents,” whether it is possible to take out a loan using this principle is a controversial issue. As mentioned earlier, it is possible to receive a microloan on the spot using someone else’s passport only due to the almost criminal negligence/inattention of the employees of the microfinance center. However, such fraud can be pulled off in two cases:

Lack of other identity checks and confirmation;
Existing online banking system.

An online microloan on someone else’s passport is what is called the “ideal crime”, since the outcome of such loans, unfortunately, is 95% likely to be issued a loan. Scoring programs, registration without comparing passport data - this only works into the hands of the attacker.

Legally obtaining a microloan using someone else’s passport

Let's move away from criminal cases and the details of criminal fraud and consider the legal side of what is happening to another person. There are legal ways to get out of such loans. Let’s say your passport was lost, and funds were needed “yesterday,” there is absolutely no time to wait for the document to be found or restored. In this case, you should contact your loved ones and friends with whom you have a trusting relationship, asking for a microloan on your passport.

If the relationship is 100% trusting, no problems will arise even though the responsibility for the loan rests solely with the owner of the document. After the agreed payment conditions, the trustee applies for a loan in the online system using his passport data, choosing the most convenient way to receive funds. Afterwards, he transfers the amount to the person who is in fact the user of these funds.

This actual user writes an official receipt for the loan, agreeing to repay the amount in full within the specified time frame. It is more convenient if the terms are somewhat earlier than the repayment period of the loan itself. With this method of obtaining a microloan, people who de jure and de facto represent both parties when drawing up an agreement do not violate the legislation of the Russian Federation. Of course, if the entire process takes place by mutual agreement from the beginning until the loan is fully repaid.

Conclusion

Thus, in order to avoid becoming a victim of scammers and accidentally discovering an astronomical amount of debt when calling from debt collectors, you must be careful and vigilant in relation to your own documents. If your passport is lost, immediately contact the police if you discover it is missing. The cost of delay in this situation has already been said in this article. To avoid becoming a victim of scammers, strictly follow simple rules dictated by safety and basic care:

Do not carelessly leave copies of your passport (especially on external electronic drives or on your computer or phone);
Do not leave your passport unattended with friends or relatives;
On each stored copy of the passport, write by hand “not to be used for drawing up loan agreements”;
In case of loss of a document, or fraudulent machinations involving a lost passport, contact the police.