How to find out in which banks I have loans? How to avoid liability for loans that I did not take? How to solve issues peacefully with collectors and the bank? – these questions most often arise in a person’s head when he realizes that he has become a victim of fraudsters. Unfortunately, credit card fraud is nit a rare thing in the Philippines https://news.mb.com.ph/2019/03/14/police-arrest-4-for-credit-card-fraud/. In the event that the bank is “adequate”, you can always just come with a passport and ask for a copy of the loan agreement. If the banking institution refuses to provide you with information under one pretext or another, you can cheat a little to achieve the desired result.
Victim’s Actions in Case of Having a Fake Loan
How to find out if I have a loan? Everything is very simple. When you visit the bank, you give oral consent to repay the debt, after which you are provided with details for depositing funds. Such a document contains all the necessary information about the loan issued to you, and with it you can already begin the proceedings.
It is worth noting that in normal banking institutions, a loan agreement can be seen without a written request. You are given to look through all the pages of the agreement and in particular make sure that your signature is really worth it. After seeing the forged signature, you need to inform the bank administration and write a request to investigate your case. A solid bank will certainly take note of such information and conduct a closed hearing, the results of which will reveal the fraudulent actions of employees or unauthorized persons and your credit will be annulled accordingly.
Visits of Collectors. How to Behave?
As practice shows, it is much easier to check the availability of loans in banks and lending companies than to challenge the legality of the transaction and avoid responsibility for the agreement that you did not sign. Most often, a person learns about the availability of a loan issued to him only after collectors start knocking on his door. Most often, these “experts” act on behalf of the bank, so it is very difficult to convince them that you do not owe anything to anyone. In order not to aggravate the situation and not to aggravate your position, you need to remember the following:
- With representatives of the collection service, oral communication should be reduced to zero. Discussion of all points on debt can be done only by correspondence.
- You can not sign any papers brought to you by collectors.
- In order to get rid of such “guests”, you should write a corresponding request to stop the visits and provide information about the current debt on the loan and the details of the contract.
- If there is physical pressure from the collectors, immediately contact the court or the police.
A private lawyer can help you to find out if there is a credit on a passport. They have vast experience in such a case and, if necessary, provide assistance in court proceedings, file official requests for information from the bank and collection services, as well as defend the rights of their clients and seek to cancel illegal loans.
If you did not take out a loan, feel free to contact lawyers. They will send out requests on your behalf, collect information on the case, and, if necessary, will defend your position during legal proceedings.