1. If the personal identity card is stolen, resulting in a bad credit record, then the parties can bring a lawsuit and make a judgment or ruling on the premise of sufficient evidence. Finally, it was ruled that the party concerned was indeed a bad credit record caused by the theft of the ID card, and the bad credit record of the party concerned could finally be eliminated in the bank credit information system.
2. If the parties have no reasonable basis to prove that their bad credit records are caused by identity card theft, then they need to bear the corresponding legal consequences. On the one hand, it is necessary to pay off the arrears, and at the same time, if you want to eliminate bad credit records, you can only overwrite the original credit records with new credit records.
3. The longest retention time of personal bad credit records is five years. The parties shall keep a good credit record within five years from the date of arrears, and after five years, the bad credit record can be eliminated. If necessary, it can be solved through legal channels.
4, the existence of criminal acts, should first report to the public security organs, the public security organs for processing.
legal ground
Article 110 of the Civil Code of People's Republic of China (PRC), the personality right of the civil subject. Natural persons enjoy the rights of life, body, health, name, portrait, reputation, honor, privacy and marriage. Legal persons and unincorporated organizations enjoy the right of name, reputation and honor.
What if I lose my ID card and get a loan from someone else?
What if I lose my ID card and get a loan from someone else?
You should report the loss as soon as possible, the sooner the better. In addition, it is best to communicate with the bank in time to stop the loan. If the bank has already lent money, you should also communicate with the bank to see what to do.
What if I lose my ID card and get a loan from someone else?
It's impossible. You can't get a loan with only one ID card. It's okay that so many people have lost their ID cards.
I lost my ID card and household registration book. What if someone else gets a loan?
Hello, I suggest you apply to the police station where your household registration is located in time to report the loss of your ID card, otherwise you need to pay off someone else's loan!
I lost my ID card and bank card. What if someone else takes the loan?
After a citizen loses his identity card, if the resident identity card is fraudulently used by others, the fraudulent user and the examination department should bear the corresponding legal responsibilities, and the person who loses his identity card will not bear the responsibility.
If the personal identity card is stolen, resulting in a bad credit record, then the parties can appeal and make a ruling on the premise of sufficient basis.
Finally, it was ruled that the party concerned was indeed a bad credit record caused by the theft of the ID card, and the bad credit record of the party concerned could finally be eliminated in the bank credit information system.
2. If the parties have no reasonable basis to prove that their bad credit records are caused by identity card theft, then they need to bear the corresponding legal consequences.
On the one hand, it is necessary to pay off the arrears, and at the same time, if you want to eliminate bad credit records, you can only overwrite the original credit records with new credit records.
3. The longest retention time of personal bad credit records is five years. The parties shall keep a good credit record within five years from the date of arrears, and after five years, the bad credit record can be eliminated. If necessary, it can be solved through legal channels.
If I lose my ID card, will someone else take it for a loan?
Go to the police station to report the loss of your ID card.
The police station will put your ID card on the certificate of loss of control.
It is the bank's fault to accept ID cards and issue loans.
The bank assumes responsibility
None of your business.
What should others do with my ID card loan?
Your identity card was fraudulently used, and you took out a loan. You should report the case to the public security organ immediately.
Otherwise, you may be charged a loan in the future.
After reporting the case to the public security organ, you can at least be relieved of your responsibility by filing a case.
What should I do if I lose my ID card and someone else borrows money to buy a car?
1. When answering questions from netizens, the Ministry of Public Security made it clear that citizens do not need to report the loss or make an announcement in the newspaper after losing their ID cards. If a resident identity card is lost and used by others, the user and the examination department shall bear corresponding legal responsibilities, and the person who loses the identity card shall not bear any responsibilities. To sum up, your ID card is lost, and you are not at fault for fraudulent use, so you don't need it. ...
What should others do with my ID card loan?
1. If others don't use your ID card to repay the loan, you won't go to jail.
2. Others borrow money with your ID card. Although it is your name, the loan has nothing to do with you as long as you are not present to sign it.
3. According to Article 32 of the Contract Law, if the parties conclude a contract in the form of a contract, the contract shall be established when both parties sign or seal it.
The signature must be signed by myself or personally. If it is changed to be signed by myself, a notarized power of attorney is required.
If you sign or press your fingerprint, you are the debtor. Or there is evidence that the loan funds are actually used by you in part or in whole, you should bear the obligation to repay. If the repayment is not made on time, the bank can enforce it.
Only the ID card can't be lent, so you can call the police directly.
1. Now most ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. ID card is only a necessary material for loan, and the most important thing is to provide proof of income to prove that you are suitable for credit loan.
2. At present, there is no loan product that can be obtained only by ID card. No matter what kind of loan method, at least another kind of supporting information should be provided in addition to the ID card. In the process of loan, ID card is only an essential thing. In addition, never pay any fees before the loan arrives, in case of being cheated.
I lost my ID card. Can I get a loan if someone finds it?
The identity card may be fraudulently used, but it is not responsible.
The Ministry of Public Security pointed out in its comprehensive reply to the questions about the replacement of the lost resident identity card that the resident identity card is the legal identity document of citizens, and its main function is to prove their identity when engaging in relevant activities. When a citizen uses a resident ID card to prove his identity, all relevant departments have the obligation to check the consistency of the person's ID card and handle relevant business for the holder only after it is confirmed to be correct. If a resident's identity card is lost and used by others, the user and relevant departments should bear corresponding legal responsibilities, and the person who lost his identity card is not responsible for the behavior that he did not implement. The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.
What should others do with my ID card loan?
Legal analysis: If your ID card is taken away by a friend without knowing it, you can check your credit report first. If the credit report is not overdue, you can contact your friend and ask him to repay the loan on time. If the credit report has overdue records and is in debt, you can report it to the public security organ, and then negotiate with the bank or lending institution to prove that the loan is not your own loan. After proving that the loan is not my own loan, I need to file an "objection application" at the credit information center of the local people's bank, and provide corresponding proof materials according to the relevant requirements of the staff. The overdue records in the credit information report will be eliminated within about 15 working days after the general staff confirms that it is correct. If the ID card is taken away by a friend who knows and confirms it at the scene, then the friend can only repay it on time. If my friend has no money to repay on time, then I need to help him repay on time.
Legal basis: Article 16 of the Law of the People's Republic of China on Resident Identity Cards commits one of the following acts, and the public security organ shall give it a warning and impose a fine of less than 200 yuan. If there is illegal income, the illegal income shall be confiscated: (1) using false certification materials to defraud resident identity cards; (2) Renting, lending or transferring resident identity cards; (3) illegally detaining another person's identity card.
What if my ID card is stolen and I borrow an online loan?
1. What should I do if my ID information is stolen by others?
First, the ID card and bank card were given to others for a certain business purpose, and the other party made an online loan without their consent. It depends on whether the online loan company itself has fulfilled its reasonable review obligations, which depends on the actual situation. If the online loan company fails to fulfill its obligations, it does not need to bear any responsibility.
Second, ID cards and bank cards were stolen by others, and they took the money with online loans. Then the nature of this matter becomes a case. As a victim, he is not the actual loan applicant, and he has no obligation and responsibility to repay the loan.
Although no matter what kind of situation you are in, he can take no responsibility and pay back the money. But there is another factor that will affect your specific way. Does the online loan company ask him to repay the loan principal and interest?
If the online loan company has not, it is best to report the case to the police immediately, and the public security organ will initiate an investigation to confirm that the actual online loan applicant is not himself, but someone else holds your ID card information. Don't worry, you won't take any responsibility when you get this evidence investigated by the public security organ.
If the online loan company has already sent it to you. Then you have to prove to the court that you have nothing to do with this loan case, that your identity belongs to someone else, and that you need to be tried to find out that you are not a qualified defendant in this case.
While actively responding to the lawsuit and claiming their own rights and interests, they should also call the police as soon as possible. After all, this is still a case of embezzlement and fraudulent use of someone else's ID card.
Qualified defendant is to solve the problem of who should be the defendant in a specific case, that is, in a specific case, according to the law, who can obtain or must carry out administrative litigation activities in the name of the defendant. A qualified defendant refers to the qualification to be a defendant in a specific lawsuit in his own name.
Second, how to reissue the ID card?
According to Article 12 of the Identity Card Law, when a citizen applies for a resident identity card, the public security organ shall handle it in time according to the regulations. The public security organ shall issue resident identity cards within 60 days from the date when citizens submit the registration form of resident identity cards; In areas with inconvenient transportation, the processing time may be appropriately extended, but the extension time shall not exceed thirty days.
Replacement procedures for second-generation ID cards:
1) Application steps: 1. The applicant brings his household registration book to the police station where the household registration is located to apply for a replacement of the second-generation resident identity card. 2. Carry out portrait collection and fingerprint collection. 3. Pay the fee, sign the registration form for issuing resident identity cards and leave the contact number. 4. Within the specified time for obtaining the certificate, the applicant will go to the police station with the certificate to receive the second-generation resident ID card.
2) portrait collection standard: the photo of the certificate is the applicant's bareheaded head, and there is no standard clothing. People who often wear glasses must wear glasses when taking pictures, so as to ensure that the portrait is clear and without obvious distortion.
3) Charging standard: If the second-generation resident ID card is lost or damaged, a certificate fee of 40 yuan will be charged.
4) Time limit for issuing certificates: The police station will issue new cards to citizens within 60 days after accepting the application procedures for resident ID cards.
Legal basis:
Regulations of the People's Republic of China on Resident Identity Cards
Fifteenth any of the following acts shall be punished in accordance with the relevant provisions of the Regulations of the People's Republic of China on Administrative Penalties for Public Security:
(1) Refusing the public security organ to examine the resident identity card;
(2) Transferring or lending a resident identity card;
(three) the use of other people's identity cards;
(4) intentionally destroying another person's identity card. Relevant regulations: Article (1) of the National People's Law.
Article 16 Whoever forges or alters a resident identity card or steals a resident identity card, if the circumstances are serious, shall be punished in accordance with the provisions of Article 167 of the Criminal Law of People's Republic of China (PRC). Relevant regulations: Article (1) of the National People's Law.
Seventeenth public security organs in the implementation of these regulations, infringe upon the legitimate rights and interests of citizens, shall be given administrative disciplinary action, if the circumstances are serious enough to constitute a crime, criminal responsibility shall be investigated according to law.
What should I do if my ID card is stolen by others to handle the loan? This concludes our introduction. I wonder if you found the information you need from it?