If someone else's loan is issued for you

It is important to know that bank employees will not ask you for the following data by phone:

• passport data,
• CVV codes,
• codes from SMS messages,
• photographs to confirm your identity,
• passwords to access your personal account,
• PIN codes.

A bank employee will never demand to cash out a "wrong" loan at the ATM and return this money back to your own card.

• If the loan was obtained from an unregulated organization, you must contact the police and the court. A handwriting examination will be appointed, which will establish that the loan agreement is not signed by the recipient.
• If the loan was issued in credit machines, then video cameras are installed in them, recordings from which will also help identify the recipient.
• If it is an online loan, the police will be able to identify the person (or persons) who took the loan via IP. It should be noted that this method can be used not only by strangers, but also by close relatives, girlfriends, friends, acquaintances - people to whom you entrusted your documents and bank data.

1. When paying with a card anywhere (for example, in restaurants), demand that they bring a terminal and make a transaction in front of your eyes. Don't let the card get carried away for withdrawing money. Otherwise, the attackers will be able to photograph it from both sides and transfer this information to the fraudsters.
2. Do not provide the card number, its expiration date, CVV/CVC-code, as well as codes from SMS-messages to anyone and under any circumstances.
3. Do not enter your card details on the untrusted Internet resources.
4. Do not use a salary card for payment in the online stores. It is best to get a second card for purchases; it could be a virtual one.
5. Be sure to set up an SMS notification about all transactions performed with your card and a multi-stage confirmation system for online payments. For example, one-time SMS code, 3D securities.
6. If you are using the mobile Internet banking application, set up fingerprint access on it.
7. Do not believe in reports about a sudden inheritance or a large cash prize, played by some company to which you have nothing to do, do not fill out their questionnaires, and do not indicate the details of your cards.
8. Do not be fooled by threats that if you do not tell the fraudsters your data, your family or loved ones will suffer. Record such threats on the recorder and contact the law enforcement agencies.
9. If you have lost your card, immediately contact the bank with a request to block it.
10. If you received a call from the bank's security service with a request to provide the data, tell them that you will call back. But do not call back to the same number from which they called you, even if you see that the call was from a bank number. The modern systems allow you to substitute the phone numbers. It is best to manually dial the bank's call center number.
11. Do not install any applications at the request of the "managers" of the bank to provide them with remote access. These applications are spyware that siphon all information from your phone, including the passwords, and send them to the scammers.
12. Check your credit history.
13. Do not post photos of your documents for everyone to see, do not send them through Internet messengers to the unfamiliar people.
14. In case of loss or theft of the identity documents, immediately contact the police.

First of all, you need to find out the name of the credit institution in which the loan is issued. It is good if this organization is located in the regulatory perimeter of the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan. You can check this on the website of the financial regulator in the section "Register of permissions and notifications".

Having found out in which credit institution the fraudsters received a loan in your name, you need to write an application to this organization, specifying in detail all the available information in it. In case of loss of a payment card or an identity document, a supporting certificate must be attached.  Be sure to request an internal internal investigation. Your application must be registered, the registration number with the date of acceptance of the application must also be put on the copy of the application that you keep for yourself.

In addition, the credit institution must provide you with copies of the contract, its appendices and identity documents, as well as details of the account to which the money was transferred. You will need to clarify the details of the employee who issued the loan and executed the contract.

If a credit institution refuses to provide documents, you can file a complaint with the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market.

If the credit institution does not find evidence that fraudsters have received money on your certificate, it is necessary to file a lawsuit with the court at the place of residence to invalidate the transaction. If the court makes a decision in your favor, the credit institution must:

• - stop demanding payment of debt from you;
• - write off the debt;
• - send a letter to the credit bureau about the exclusion of information on someone else's loan from your credit history.

There are various ways to cheat using the payment cards.

Here are some of the most common fraud methods.

• Purchase of goods. A person puts up a product for sale. A potential buyer calls him and declares that he is ready to buy without bargaining, and asks for a card number to transfer the prepayment. Then he calls again and asks to dictate the code from the SMS message, which is supposedly needed to confirm the transfer of money. The gullible seller dictates the code and is left with nothing, since this code allows a fraudster to change the Internet banking password and gain access to other people's money.
• Hacking Internet banking. From a number that is defined as a bank number, allegedly the bank's security officers call. They report that someone is trying to hack an account in Internet banking or make a transfer on behalf of a client, and they also ask to dictate an SMS code or passport data, or CVV/CVC code (three-digit number on the back of the card). Supposedly, this information is needed in order to prevent a crime. At the same time, psychological pressure is exerted: a person is rushed, not giving time to think, they say, if you do not say, then you will lose money. Further, the scheme is the same as in the first method.
• Winning Letter. A letter is sent to the email address stating that you have become a participant in the car / money / green card etc. and you are invited to fill out a questionnaire. After that, you are informed that there are several steps left to receive the prize, you only need to send an SMS message, receive an answer to it and enter the received code into the form. The principle is the same. Often, clients decide not to contact the bank and law enforcement agencies due to the small size of the stolen amount.
• Spy Apps. You are supposedly contacted by bank employees and reported about some problem with your account. At the same time, they ask you to install a special application on your mobile phone, which will allow the bank employee to solve the problem in remote access. “You don't even need to come to the department, you will save your time,” they assure. The application turns out to be viral: it transmits to the attacker all data from the phone, including the passwords that you enter on your mobile device using Internet banking. It also happens that the user himself installs an application, for example that supposedly has some discounts.
• Credit method. The principle of gaining access to your personal account is the same as in the above methods. After the attacker gains access, he issues a loan in your name. After that, he calls, introduces himself as a bank employee, using the information received, reports that the fraudsters have issued a loan for you, and says that it is necessary to cash out this money urgently before the fraudsters withdraw it. After the person receives the money, the false employee advises to put the entire amount on his own card - supposedly the loan will be repaid after that. Naturally, as soon as the money is credited to the account, they immediately disappear, since the fraudsters have access to their personal account.