What should I do if my ID card is stolen and used for loans?
If your ID card is stolen by others and used for loans, once you find out, it is best to contact the other institution/platform to make it clear. The situation shows that the loan was not operated by the person, and the other party is asked to find the person who defrauded the loan to repay the money, and the customer does not need to bear the responsibility for repayment.
If a customer suffers financial losses due to theft of their ID card and a loan, and the amount of the loss is not small, they can also report the case to the local public security department by providing evidence of theft of their ID card information and the loan.
If the lending institution/platform ignores its own explanation and continues to collect debts from itself, the customer can also report it to the local Banking Regulatory Commission or Internet Finance Association to safeguard personal legitimate rights and interests.
It should be noted that you must take good care of your ID card and do not give it to others casually. Once you find it is lost, you need to report the loss and get a replacement as soon as possible; and do not disclose your identity information to others at will; Do not click on unknown links at will when surfing the Internet to avoid information leakage.
What should I do if someone else uses my ID card to get a loan?
If someone else uses your information for a loan, it is recommended to call the police. The possibility of personal information being stolen cannot be ruled out. Contact the bank or financial institution and inform the bank or financial institution; file a lawsuit with the people to safeguard their legitimate rights and interests. If you use someone else's name to make a loan falsely, you are suspected of making a loan, and the relevant provisions of Article 193 of the Criminal Law shall apply. Article 193 The crime of loan falls under any of the following circumstances. If the loan from a bank or other financial institution is for the purpose of illegal possession and the amount is relatively large, he shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan and 200,000 yuan. If the amount is huge or there are other serious circumstances, the fine shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; , and shall be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated: (1) fabricating false reasons for introducing funds, projects, etc.; (2) using false economic contracts; (3) using false certification documents; (4) Using false property rights certificates as guarantees or repeating guarantees exceeding the value of the collateral; (5) Loans by other methods.
Can I use someone else’s ID card to make an online loan?
You cannot use someone else’s ID card to make an online loan. Online loans must go through multiple verifications such as mobile phone number, bank card, and ID card. Even if the user has someone else's ID card, he or she can only complete identity verification. In the verification process of bank card and mobile phone number, because there is no other person's bank and verification code, it is impossible to apply for an online loan without directly passing the identity authentication. Unless the user obtains a mobile phone verification code, ID card, bank card, and applies without face recognition.
Generally, if someone else holds the user’s ID card, they cannot apply for a loan online. To apply for a loan online, in addition to your ID card, you will also need a bank card and a mobile phone number reserved by the bank. Some loans even require facial recognition. If the applicant’s profile picture does not match the ID photo, the user will not be approved. Therefore, the probability of a user's ID card being stolen to apply for an online loan is relatively low.
Although the probability is low, low-probability events may also occur. Users are advised to keep their ID cards properly and do not give them to strangers. In addition, once users receive a loan text message, they should take the initiative to check their personal credit or contact the lending institution, so that they can check whether their identity information has been used to apply for a loan.
Can someone else use my ID card to get an online loan?
If someone else takes your ID card, you cannot apply for a loan online, because when applying for a loan, you need to verify your identity. At this time, there will be facial recognition and mobile phone verification, so even if this person takes your The ID card is useless. However, it is not recommended that you lend your ID card to others, because if others cannot repay the loan, you will be the responsible person.
1. Loans cannot be handled online
There are many online loan businesses now, and there are many various online loan platforms, but not all loan platforms are Formal. In fact, many online loan platforms are not formal, so everyone who handles loan business on such platforms will bear a lot of risks.
So it is not recommended that you handle loan business on such an informal platform, and you should not lend your ID card to others, and do not let others use your identity to handle loan business. To a large extent, this person is lying to you. If this person does not pay back the money in the future, you will be the one to pay back the money. So it will affect your whole life to a great extent. Therefore, everyone must not do such stupid things.
2. Do not use your own ID card to apply for loans to others
In fact, you must verify your identity when applying for loans. Even if the current online loan platform review procedures are not strict, it is still necessary. It uses face recognition and mobile phone verification, so even if this person has your ID card, he can't use your ID card to apply for a loan unless you are by his side. Moreover, the capital account must also match the ID card, so that it can pass the review.
However, it is not recommended that you use your own ID card to apply for online loans to others. To a large extent, the other party will not be able to repay the money. In this case, you will be the one to repay the money, which will definitely not be of any benefit to you. Even if this person is your relative, you cannot just handle loan business for others.
What should I do if I was scammed online and a scammer used my ID card to get an online loan?
You can call the police and let the police intervene in the investigation to help recover the stolen money. If someone else takes your If your identity information has been used for a loan, you should contact the lender in a timely manner to indicate that your identity information has been stolen and ask the lender to terminate the loan contract and make the loan repayment quickly.
Whether it is an online loan or a bank loan, if the identity information of the lender is inconsistent with the lender, the lender must be responsible. When you go to the bank to handle general counter business, you must bring the original ID card, let alone applying for a loan. You must provide the original ID card. Most online loans require an interview or facial recognition.
Relevant Laws and Regulations
Article 17 Anyone who commits any of the following acts shall be fined not less than RMB 200 but not more than RMB 1,000 by the public security organs, or may be detained for not more than ten days, with possible consequences. Illegal gains shall be confiscated:
(1) Anyone who falsely uses another person’s resident identity card or uses a fraudulently obtained resident identity card.
(2) Buying, selling, or using forged or altered resident identity cards.
Forged or altered resident identity cards and fraudulently obtained resident identity cards shall be confiscated by the public security organs.
Article 18 Anyone who forges or alters a resident identity card shall be held criminally responsible in accordance with the law.
Anyone who commits any of the acts listed in Articles 16 and 17 of this Law and engages in criminal activities shall be held criminally responsible in accordance with the law.
How to handle the loan if the identity card is used fraudulently
How to handle the loan if the identity card is used fraudulently:
1. The parties concerned can first contact the person pretending to be themselves. Negotiate and require them to repay on time. If they refuse to repay, the parties can ask the police to intervene in mediation.
2. If someone else uses your ID card to take out a loan and fails to repay the loan, the party concerned can also take him to court. Especially if the party did not sign the loan contract in person, the party concerned can file a lawsuit. way to protect your rights.
Legal Basis
Article 280 of the "Criminal Law"
Forging, altering, buying and selling, or robbing or destroying official documents, certificates, Anyone who uses a seal shall be sentenced to not more than three years, criminal detention, surveillance, or fines; if the circumstances are serious, he shall be sentenced to not less than three years but not more than ten years and also fined.
Whoever forges the seal of a company, enterprise, institution, or people's organization shall be sentenced to not more than three years, short-term imprisonment, surveillance, or fines.
Whoever forges, alters, buys or sells resident identity cards, passports, social security cards, driver's licenses and other documents that can be used to prove identity according to law shall be sentenced to not more than three years, criminal detention, surveillance or fines; If the circumstances are serious, he shall be sentenced to not less than three years but not more than seven years and shall also be fined.
This concludes the introduction to online loans with stolen ID cards and online loans with stolen ID cards. Have you found the information you need?