According to China, all 8-year-olds are adults, and the situation should be normal, so even if they drink, they should bear legal responsibility. But in this case, you didn't actually borrow money, so I suggest you collect the evidence of the real situation of borrowing money, and collect the evidence that they signed against your true meaning when you were awake, so as to ask the people to confirm that you are irresponsible!

You declare in writing to the bank that you don't have a loan now, and the money is borrowed by others; At the same time, you also urge real lenders to repay or ask banks and real loans; At the same time, you can also ask the truth, and you can use this program to ask the real lender.

If you don't clarify the facts, the bank will give you your family and your house!

2. What should others do with my ID card loan?

Legal analysis: If someone uses his ID card to make a loan, although the name of the party is written, as long as the party is not present to sign, the loan has nothing to do with the party, and the party does not need to bear any consequences. If you find that your ID card has been stolen by others, you should call the police immediately and call the loan company to tell you that I didn't make the loan myself. Generally, in addition to identity information, you need to sign a loan contract. The loan contract needs the lender's signature and handprint, and it can be determined whether it is signed by the parties themselves through appraisal. Stealing another person's ID card or using another person's ID card to borrow money is an illegal and criminal act and will be punished by law.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 110 Natural persons enjoy the rights to life, body, health, name, portrait, reputation, honor, privacy and marriage. Legal persons and unincorporated organizations enjoy the right of name, reputation and honor.

Article 111 The personal information of natural persons shall be protected by law. Any organization or individual who needs to obtain other people's personal information shall obtain and ensure the information security according to law, and shall not illegally collect, use, process or transmit other people's personal information, or illegally buy, sell, provide or disclose other people's personal information.

Article 17 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 impose a fine of more than 200 yuan and less than 1,000 yuan, or detain it for less than 10 days. Illegal income, confiscate the illegal income:

(a) using another person's identity card or using a forged identity card;

(2) buying, selling or using forged or altered identity cards.

Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.

Third, what if someone else takes my loan?

1. According to the regulations, banks should fully review the issuance of loans and credit cards, so in principle they cannot handle them.

2. However, if your personal information is illegally used by others, and the bank's review is not strict, it is very likely that you applied for a loan or credit card in your own name.

But please rest assured that even if this happens, you are not obligated to repay. If your personal credit is affected, you can sue the bank, which is entirely their responsibility.

4. What if someone takes my ID card as a loan without knowing it?

You should call the police at the first time, call the bank, directly transfer to labor, provide the information just recorded and ask the manual customer service to inquire; General customer service can directly find relevant information; If the institution submits a credit report, it can also find the loan record on the PBOC credit report;

If the audit confirms that the loan details not borrowed by me are indeed generated in my name, I immediately ask the other party to make corresponding treatment;

If it is a P2P company, contact the corresponding supervisor to cancel the arrears, and contact the credit department of the contact bank to request the cancellation of bad records;

If you provide loans to banks, you should go directly to the outlets to communicate with the person in charge and ask the other party to cancel their loan records and bad credit records. From the moment you learn about the fake loan, you should start collecting evidence.

If the above communication with the other party fails, you can pay attention to the official account of WeChat and protect yourself by law in more ways. Banks and lending institutions should confirm the authenticity of the borrower's identity. If the other party is responsible for the success of the loan by using its own identity, it must provide tangible evidence and demand the cancellation of the unknown loan and bad record.