Never doubt the ability of a liar, it is indeed possible. For example, your bank card suddenly adds an unexpected wealth one day, and you must be ecstatic. I'm sure I am anyway, but you should be careful at this time. This may be the latest scam, probably because your personal information is leaked.
Two days ago, the information leakage in Xue Tong attracted a lot of people's attention, and just yesterday, QQ was too much thunder and little rain. Many people speculate that this has something to do with Xue Tong's personal information disclosure. Although Xue Tong didn't find any evidence of user information leakage through official micro-response, netizens didn't buy it. Don't talk about this specific matter today, just wait for the public security department to investigate.
Let's talk about the possibility that personal information may be leaked by online loans.
Look at a new fraud case:
Recently, Xiao Zhao, a classmate, was having dinner in the school cafeteria and received a short message, which was a bank reminder, and recorded 6000 yuan in the short message. Xiao Zhao asked a lot of people and didn't know. Not long after, I received a short message from my sister, saying "transfer error".
Sister liar: Sorry, I transferred a sum of money to your bank card by mistake. Please check your bank card to see if 6000 yuan has been transferred.
Classmate Xiao Zhao: Yes, 6,000 pieces of land have indeed been transferred.
Sister liar: Well, I was working in a bank at that time. I made a mistake because I was too old to have an operation. I'm really sorry. This 6000 yuan is for my son's tuition. Because of family difficulties, the money was also borrowed from several talents. Can you transfer it to me?
Classmate Xiao Zhao: Don't worry, Sister. I'll transfer right away. I can't keep my children from going to school.
Sister liar: Thank you, I really appreciate it.
Classmate Xiao Zhao: You're welcome. We are students. We understand.
Under normal circumstances, many sympathetic friends will definitely transfer money in this way, not their own.
After half a month, his painting style changed suddenly. Xiao Zhao received a strange phone call saying that he borrowed money from their platform with a term of 15 days, a principal of 6,000 yuan and a monthly interest rate of 2%. He demanded repayment today, with principal and interest of 6060 yuan.
Xiao Zhao was stunned. Half a month ago, he suddenly thought of "transferring the wrong account" He felt something was wrong and decided to call the police. The police then learned about the situation from the online loan company. Half a month ago, someone did apply for a loan of 6,000 yuan with Xiao Zhao's personal information.
It turned out that this was a scam. The swindler first obtained Xiao Zhao's detailed personal information through illegal channels, and applied for a loan on the online lending platform in the name of Xiao Zhao. But here's the problem. If you apply for a loan, you must deposit it in a bank account in Xiao Zhao. Subsequently, the swindler asked Xiao Zhao to transfer the money to himself under the pretext of "transferring the wrong account" ... a perfect closed loop.
I was very careful, but I didn't expect to be cheated by the new fraud in the end. Remember the following three steps of the new scam:
1. Liars obtain personal information of victims through illegal means;
2. The swindler lends money on the loan platform in the name of the victim;
3. Liars make use of some weaknesses of human nature to fabricate appropriate reasons for transferring the wrong account, so that the victim can transfer the money to himself.
What if it is really a "loan"?
Legally speaking, there is no need to panic, because the Law on the Management of Identity Cards stipulates that the handling unit will approve the handling of banking and other businesses with documents that are not its own. In case of loss, the unit will bear the responsibility. Also, if the personal identity is fraudulently used by a liar, the liar will bear the responsibility, and the person who steals the information will not bear the responsibility.
If there is more money in the bank account and the other party requests to return it, you must find out the source of the money, and you can check it through the mobile banking or bank counter.
Of course, the disclosure of personal information has been "loaned by online loans", but it is rare, because face recognition and verification code are basically needed to handle loans now. As long as you stay alert, you don't have to worry too much. That was a real success. Keep transfer records. Call the police if you need anything.
Remind everyone to pay attention to a few points, which can protect everyone's personal information from being leaked:
1, don't just register an account on an unknown website;
2. If you need to provide a copy of your ID card, you should indicate the purpose. If it is only used for handling xx business, it is invalid. And it must be a signature within the scope of ID card information;
3. It is very convenient to log in to the Credit Information Center of the People's Bank of China regularly to inquire about credit information, so that you can master your credit status and avoid undiscovered online loan records.
4. Enterprises use public mobile phones, and don't bind any of their personal information.
Remember, don't listen, don't believe or transfer money, beware of telecom fraud! If you feel that you have encountered telecom fraud, please call the anti-fraud center as soon as possible.
Will ID card photos be leaked by online loans?
Photos with ID cards may be used by criminals to do illegal things, including online loans.
But don't worry too much. Online loan requires my household registration book, my photo authentication, and I need to sign an online loan contract.
If the online lending platform only approves the loan with a photo of the ID card, then this online lending platform must not be a formal platform. The examination and approval procedure does not conform to the regulations.
If there is a platform that violates the rules, I can sue this online lending platform while calling the police.
In order to avoid unnecessary trouble, you should always keep your ID card and ID card photos. You can mark the words "for the use of something only" on the photo, and you can edit it with drawing software.
The picture comes from network intrusion.
Will personal information be leaked by online loans?
It is illegal to borrow money from others when personal information is leaked. The victim is not responsible for repaying the loan. The court found that the loan contract was invalid when someone else's ID card was used to successfully obtain the online loan.
Personal information leaked by online loans
If personal information is leaked, the loan company may not issue loans without the consent of the parties. Personal loan requires my consent, and the lender needs to verify the true identity of the lender, otherwise it is an illegal loan.
According to Article 17 of the Interim Measures for the Administration of Personal Loans, lenders should establish and strictly implement the loan interview system. Where low-risk pledged loans are issued through electronic banking channels, the lender shall at least take effective measures to determine the true identity of the borrower.
Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.
Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:
(1) Failing to investigate and review the loan due diligence;
(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;
(3) The terms of the loan contract have not been publicized;
(four) in violation of the provisions of article twenty-seventh;
(five) payment management does not meet the requirements of these measures.
job operation
If you are "loaned" without knowing it, you can solve it through judicial channels, and provide some evidence that can prove your ignorance and irresponsibility, such as telephone chat records, signature handwriting, photographed images and so on. Regularly test the data of the reform of the central bank or Dima, complain and feedback to the banking institutions in time after finding problems, and safeguard their rights and interests reasonably and legally.
Will personal information be leaked by online loans or loans?
No, no, no, the important thing is to say it three times. Just revealing personal information will not lead to a loan, but will only give you a loan harassment call. Without your own consent, it is impossible to complete real-name authentication as a prerequisite for loans.
Of course, if you are tricked into doing real-name authentication and agree to an unknown invitation, you may get a loan.