No bank
Second, my ID card was guaranteed by others without knowing it, and now it has been blacked out by the bank. What should I do?
Find a lawyer, go to the guaranteed object and the bank, and execute it.
1. The insured person steals your ID card without your consent.
2. The bank's audit is not strict, and you didn't sign at the scene (you can apply for signature verification), which belongs to the bank's illegal lending, and the responsibility is borne by the bank.
3. Ask the bank to apologize to you, restore your personal reputation, and bear legal fees, attorney fees, etc. You can also apply for a small mental damage compensation.
3. What if someone else blacked me out by using my ID card to borrow money from the bank?
1. You can relax when the loan is repaid by the actual lender. If someone else uses your ID card to apply for a loan or online loan in the bank, you don't have to "back the pot". If banks and other financial institutions find you and ask you to pay back, all you need to do is explain the truth. When you go to a bank to apply for a loan, you usually do it face to face, and the verification procedure is strict and complicated, which rarely happens in banks. This situation is the most common in online lending. At this time, you can claim that the online loan company did not fulfill its substantive verification obligations, which led to this situation. If the online loan company still bothers you, you can call the police. Even if you are found, you can prove that you are not the actual lender and the qualified defendant in this case. After verification, you will decide to reject or reject the plaintiff. 2. Bad credit records can be cancelled by application. If your ID card is fraudulently used by others due to the mistakes of banks and other financial institutions, you can apply to the bank that uploaded the bad credit record or the People's Bank of China for cancellation of the bad record. If the bank doesn't handle it for you, you can call the police at the public security organ and apply to the bank for clearing the bad records with the filing documents. If the bank refuses to do so, you can complain to the People's Bank of China; You can also go to the People's Bank, and then ask the bank to delete bad records with a judgment document. Third, what should I do if my ID card is taken away by others? 1. If my personal ID card is stolen, resulting in a bad credit record, then the parties can appeal and make a ruling on the premise of sufficient evidence. Finally, it is ruled that the party concerned is indeed a bad credit record caused by identity card theft, and the bad credit record of the party concerned can 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.