If your ID card is stolen by others to get a loan, once it is discovered, you'd better contact the institution/platform of the other party's loan to explain clearly that the loan is not operated by yourself, so that the other party can ask the fraudster to pay back the money, and the customer does not have to bear the repayment responsibility.
If the customer suffers economic losses due to the stolen ID card loan, and the loss amount is not small, he can also provide evidence of the stolen ID card loan and report the case to the local public security department.
However, if the lending institution/platform ignores its own explanation and continues to demand payment from itself, the customer can also report to the local CBRC or Internet Finance Association to safeguard the legitimate rights and interests of the individual.
It should be noted that you must take good care of your ID card at ordinary times and don't give it to others casually. Once you find it lost, you need to report it as soon as possible. Never tell others your identity information at will; Don't click on unknown links when surfing the Internet to avoid information leakage.
What should I do if my ID card is fraudulently used by others?
If someone fraudulently uses information loans, it is recommended to call the police, and the possibility of personal information being stolen is not ruled out. Notify banks or financial institutions to contact them; Bring a lawsuit to the people and safeguard their legitimate rights and interests. Where a loan is made in the name of another person, the relevant provisions of Article 193 of the Criminal Law shall apply. Article 193 For the crime of loan, whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Loans in other ways.
Can I borrow money online with someone else's ID card?
Online loans can't use other people's ID cards. Online loans must be verified by mobile phone number, bank card and ID card. Even if users have someone else's ID card, they can only complete identity verification. In the process of verifying the bank card and mobile phone number, because there are no other banks and verification codes, if you can't pass the identity authentication directly, you can't apply for online loans. Unless the user obtains the mobile phone verification code, ID card and bank card, he can apply without face recognition.
Other holders of user ID cards are generally unable to apply for loans online. Applying for a loan online requires not only an ID card, but also a bank card and a mobile phone number reserved by the bank. Even some loans require face recognition. When the applicant's head photo is inconsistent with the ID card photo, the user cannot pass the examination. Therefore, the probability that a user's ID card is stolen to apply for online loans is relatively low.
Although the probability is low, low probability events may still occur. Please keep your ID card safe and don't give it to strangers. In addition, once the user receives the loan short message, please take the initiative to inquire about personal credit information or contact the lending institution, so as to inquire whether his identity information has been stolen and apply for a loan.
Can someone else get my ID card to borrow money online?
Others can't use your ID card to handle the loan business online, because you need to verify your identity to handle the loan business. At this time, there will be face recognition and mobile phone verification, so it is useless for this person to take your ID card. But it is not recommended that you lend your ID card to others, because if others can't afford the loan, you are the person in charge.
First, you can't handle loan business online.
Now there are many online lending businesses and many online lending platforms, but not all loan platforms are formal. In fact, many online lending platforms are informal, so everyone will take great risks in handling loan business on such platforms.
Therefore, it is not recommended that you handle the loan business on this informal platform, and don't lend your ID card to others, let alone let others handle the loan business with your identity. To a large extent, this man is lying to you. If this person doesn't pay back the money in the future, you will become the one who pays back the money. So it will greatly affect your life, so don't do such stupid things.
Second, don't use your ID card to handle loan business for others.
In fact, it is necessary to verify the identity of the loan business. Even if the current online lending platform is not strict, it actually requires face recognition and mobile phone verification. Therefore, even if this person has your ID card, he can't use your ID card to handle the loan business unless you are with him. Moreover, the fund account must be consistent with the ID card, so as to pass the examination.
However, it is not recommended that you use your ID card to handle online loan business for others. To a large extent, the other party will not be able to pay back the money. In this case, you will become a person who pays back the money, which is certainly not good for yourself. Even if this person is your relative, you can't handle the loan business for others casually.
I was cheated by the internet. What if a liar borrows money online with my ID card?
If you can call the police, let the police intervene in the investigation and help recover the stolen money. If someone takes your identity information to get a loan, you should contact the lender in time to explain that your identity information has been stolen, so that the lender can cancel the loan contract and let the other party repay the loan quickly.
Whether lending online or in a bank, if the identity information of the lender is inconsistent with that of the lender, the lender must bear the responsibility. When going to the bank to handle general counter business, you must bring the original ID card, let alone apply for a loan, let alone provide the original ID card. In online loans, most of them need face-to-face signing or face recognition.
Relevant laws and regulations
Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days, illegal income, confiscate the illegal income:
(1) using another person's identity card or using a false 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.
Article 18 Whoever forges or alters a resident identity card shall be investigated for criminal responsibility according to law.
Whoever commits any of the acts listed in Articles 16 and 17 of this Law and commits criminal activities shall be investigated for criminal responsibility according to law.
What should I do if my ID card is fraudulently used?
How to deal with fraudulent use of identity cards;
1, the parties may first negotiate with the person who pretends to be himself and ask him to repay the loan on time. If he refuses to repay the loan, the parties may ask the police to intervene in mediation.
2. If someone borrows money with your ID card and doesn't repay it, the parties can also go to court, especially if the loan contract is not signed by the parties themselves, and the parties can defend their rights through litigation.
legal ground
Article 280 of the Criminal Law
Whoever forges, alters, buys, sells, robs or destroys official documents, certificates and seals of state organs shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance and concurrently fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.
Whoever forges the seal of a company, enterprise, institution or people's organization shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or a fine.
Whoever forges, alters or buys or sells identity cards, passports, social security cards, driver's licenses and other documents that can prove his identity according to law shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance and concurrently fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
This is the end of the online loan with stolen ID card and the online loan with stolen ID card. I wonder if you have found the information you need?