If you confirm that you didn't sign an IOU or apply for a loan, you are not afraid of being wronged. If the credit union sues you in court, you can also sue the credit union in turn. Of course, the premise is that you must collect enough evidence to prove that you have nothing to do with the loan. Specifically, the following evidence can be collected.
First, sign.
Any loan must be signed by itself to be effective. If the credit union believes that you have applied for a loan with them, you can ask them to take out the loan contract and then conduct handwriting identification. After judicial appraisal, if the handwriting on the contract is not signed by yourself, you do not need to be responsible for the loan.
However, some insiders of credit cooperatives are ghosts. They may ask you to sign some documents in your business dealings with the credit union. For example, if you go to a credit union to open a bank card, they may sign some other documents for you, which may be blank loan contracts.
If you don't read the relevant documents carefully, you may fall into a trap. Once this happens, it is not feasible to sign the handwriting only through judicial expertise, because the handwriting on the loan contract is your own signature, so everyone can only prove their innocence by looking for other evidence.
Second, the flow of funds.
No matter whether the user applies for a loan himself or someone else makes a fake loan, since the loan is successful, there will always be capital flow. Under normal circumstances, the loan can only be issued to the bank card in the applicant's name. If everyone is a fake loan, it means that everyone's bank cards have been stolen. Another possibility is that the insiders of the credit union provide false materials, and then use the convenience of working in the credit union to apply for a new bank card in the name of the user, and then transfer the money from the fake loan to this bank card.
However, no matter how those people who pretend to borrow money operate, there will always be the flow of this money, so everyone can choose to call the police and let the police trace the flow of this money. If it can be proved that the borrowed money finally flows to the relevant accounts of the internal staff of the credit union or others, it can be proved that the loan has nothing to do with itself.
Third, the conflict in time.
If the credit union insists that the loan is handled by itself, you can ask them to provide the specific time of signing the loan contract and the specific time of lending, and then you can prove that you were elsewhere according to these specific times. For example, the description of your topic has explained that when the credit union handles this loan, you are abroad and it is impossible to be separated by yourself.
So you can provide relevant evidence or witnesses to prove that you were born in other places during the loan period of the credit union, including air tickets, airline tickets, hotel bills, bank withdrawal bills, consumer bills, etc. If you can provide relevant evidence to prove that your time conflicts with the time when the credit union handles the loan, then the credit union cannot justify itself.
Of course, in addition to providing the above evidence to prove that you have nothing to do with this loan, you can also turn around and complain to the local banking regulatory bureau and choose to call the police. If necessary, the credit union can be sued to the court, requiring the credit union to remove the loans that have been fraudulently taken, and at the same time eliminate some bad credit effects.