How to correctly solve the problem of fake loans;

(1) Everything needs to be proved, so we should first think carefully about how to prove that it is not a person but a fake loan. So you need to communicate with the lending institution and explain that you didn't apply for the loan yourself (when the ID card is lost, when it is reissued), and make sure that you have the record of reissue after the ID card is lost.

(2) Of course, you may be rejected by the lending institution, but you are maliciously collected by the loan after being impersonated. Don't pay for it yourself at this time! Lending institutions need to collect the money, because although they can find out that you have been cheated by the salesman of this order, one of the ways to solve their cheated losses is to cheat you again. Therefore, if the lending institution comes to collect money again, you should not be scared by it, and don't think it is too complicated to admit that you are unlucky. But stand firm: I don't owe you money, you have been cheated. Please go through legal procedures if you don't believe me.

Extended data:

According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases:

1, and the annual interest rate of the loan is less than 24%, which is protected by national laws. Illegal collection of high fees, malicious collection, violent collection and other illegal acts can also be reported to the China Internet Finance Association reporting platform. If it is found that illegal fund-raising funds such as illegally absorbing public deposits or absorbing public deposits in disguised form are used to issue private loans, and illegal means such as intentional injury, illegal detention, insult, intimidation or threat are used to collect them, the parties concerned may also report to the local public security organ.

2. Article 2 When a lender brings a lawsuit to a people's court, it shall provide debt certificates such as IOUs, receipts and IOUs, as well as other evidence that can prove the existence of the legal relationship between lending and borrowing. If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification. If the people's court considers that the plaintiff is not qualified as a creditor after trial, it shall rule to dismiss the prosecution.

3. Article 3 Where the borrower and the lender have not agreed or clearly agreed on the place of performance of the contract, and no supplementary agreement has been reached afterwards, and the place of performance of the contract cannot be determined according to the relevant provisions of the contract or trading habits, the place of performance of the contract shall be the place where the party receiving the currency is located.

4. Article 4 Where the guarantor provides joint liability guarantee for the borrower and the lender only sues the borrower, the people's court may not add the guarantor as a co-defendant; If the lender only sues the guarantor, the people's court may add the borrower as a co-defendant. Where the guarantor provides a general guarantee for the borrower and the lender only sues the guarantor, the people's court shall add the borrower as a co-defendant; If the lender only sues the borrower, the people's court may not add a guarantor as a co-defendant.

References:

Online loan-Baidu encyclopedia

Constitution-Baidu Encyclopedia

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases-Encyclopedia