Watch your proof. How not to become a victim of a loan extortion?

We hear more and more about the victims of fraud and tax evasion from the media. That is why, together with FerratumBank, we have developed a short guide on how to avoid becoming a victim of extorting a loan.

On your own wish

On your own wish

Summer is a time of blissful relaxation, mostly by the sea or in the mountains. However, we do not always carry expensive water sports equipment with them, since the rentals offer them for a small sum on the spot. Where water sports dominate, you can rent a water bike, canoe, equipment for windsurfing or other more extreme sports. The most common rental involves the pledge of ID card or other identity document, and the fee for using the equipment is paid when returning the equipment.

Few people know the consequences of leaving a personal identity card and that this is illegal. Loan companies offer loans within 15 minutes without leaving home. To take out such a loan, you need only data contained in your ID card, such as its series, number, PESEL number and address of residence. Some require verification of the bank account, but its establishment online also does not last long.

This does not mean, of course, that everyone who runs a equipment rental is a cheater and wants to borrow for us or buy equipment in installments. However, you should have limited confidence because the bailiff can take the account faster than we expect. Retaining your identity card is an offense for which you may be punished. It can be imposed only by the police and other entities listed in the law, but only in exceptional situations. Instead of a document, we can offer a rental owner to write down his personal data or deposit . Let us keep our records in order not to become victims of fraud.

The opportunity is making a thief

The opportunity is making a thief

If you have stolen your ID card, you must go to the nearest police station and report the theft of the document. You should receive written confirmation of the theft notification. This will provide some protection for you from the consequences of potential scams. You can direct the next steps to the bank to claim your bank account. The bank will reserve your account in the Central Database of the DZ System. You should also go to the nearest commune office or to the consulate and get a new document.

Destruction

Destruction

If the evidence is lost, the procedures are the same, but there is no need to inform the police about the incident. If you accidentally find an old ID card in a last year’s jacket, you should not use it better because it is stolen in the database and you may have unpleasantness about it. It is best to return it to the city office where it was issued. If you find someone’s ID card, return it to that person, take it to the police or to the nearest municipal office.

If you do not want to receive an invoice for an unhealthy loan one day or worry about being bailed out because of someone’s debts, it’s better to look after your documents and do not trust them to third parties, even if you think nothing bad can happen.