The procedure of obtaining data via the internet is very easy. The scammer can, for example, impersonate an employer looking for people to work. To verify a potential employee, he asks him to attach a personal ID to the CV.

If he goes to a naive person, he has papers ready to set up an online bank account. The bank sends documents prepared for a specific person for signature by courier. However, this one does not always check whether the person signing the documents is actually who he or she is referring to.

Now everything is coming down the hill – after signing the contract, the cheater chooses a loan company and makes a 1-bank transfer confirming “your” personal data from the bank account created. After such verification, he can easily draw a quick loan.

 

Customer verification too poor

Customer verification too poor

Why do lenders pay more attention to the verification of data of persons applying for a loan? The marketing manager in an interview emphasizes that the time of receiving a loan, eg 15 minutes, is important to the client. Under such conditions, there is no chance of checking whether a person is impersonating someone else.

The only form of verification is a transfer from the customer’s bank account. In many countries, loan companies have the opportunity to more accurately check the person applying for a quick loan through the PESEL-2 system. It allows you to check the compliance of the person’s first and last name, address and PESEL number.

Unfortunately, there is no such possibility in Poland. Thus, loan companies recognize that a more accurate analysis has already been made by the bank by creating a bank account for a given person. And the circle closes.

 

Procedures without changes

Procedures without changes

Despite open gaps, banks do not think about introducing additional customer verification director of the Public Relations Team at the Bank Association emphasizes that introducing additional restrictions when setting up an account via the internet does not make sense, because it hits first of all honest people who want to save time on going to the facility.

And there are definitely more such than dishonest clients. “The banking system has 42 million accounts. With such a number, there have been, and sometimes happens, situations that a criminal without the knowledge of a bank acquires personal information, creates an account and extorts money.

However, each such case is analyzed in detail by the banking system, and the solutions that led to irregularities are immediately eliminated. Banks are doing a lot to make the system safe and it is. But it is worth remembering that the police who work with the banking system closely cooperate with pursuing criminals, “adds Barbich.

However, the procedure requires sealing (eg couriers should be required to check the details of the contract with the ID of the person signing the contract) and the banks are actively working on it.

 

Debt collection despite fraud

Debt collection despite fraud

It is worth remembering that the debt collection lasts until the matter is cleared up by the police or the prosecutor’s office. Just reporting that you have been a victim of fraud is not enough to be released from the obligation to pay off someone else’s debts.

Loan companies explain this with the need to secure their interests against dishonest borrowers. Head of the Debt Collection Department says: “There are scammers among clients. We are browsing forums on the internet, we get different signals and we know that people often boast about the fact that, for example, they took a loan in a given company, then they reported to the police that it was not them and they did not have to pay anything back. We want to be protected from it. “

 

How to protect yourself from cheaters?

How to protect yourself from cheaters?

So what to do to protect yourself from such situations? If we do not want to fall victim to online cheats, let’s look after your data. Let’s watch who and how we share information about ourselves. Let’s think a few times before we put our data on social networks. Check if the company you want to register on is sure to be honest. Be careful to make friends online.

The way of phishing “per employee” quoted at the beginning of the article is just a drop in the ocean of possibilities. The inventors’ crooks in this field are really very big.

What should you do if you receive a letter from the debt collector with information about the need to repay someone else’s debt? Report the matter to the police without delay. Only in this way can you keep your money and avoid similar situations in the future.