Identity information stolen online loan:
1. The impostor should actively negotiate with the bank that handles loans and credit cards. If the bank refuses to solve the problem, it can resort to the people and ask the bank to bear the corresponding legal responsibility caused by lax review.
2. The impostor should pay attention to collecting evidence. In view of the fact that all kinds of contracts and evidence of impostor loans are not signed by him, he can apply for legal appraisal.
The impostor should not listen to the rumor that any intermediary agency can "whitewash" the credit record, and choose formal legal procedures to solve the problem.
First, the first time to apply for (apply for) resident identity card process
1. When citizens who have reached the age of 16 apply for resident identity cards for the first time, they should bring their household registration books to the local police station or accreditation center.
When citizens under the age of 16 apply for resident identity cards for the first time, they should bring their household registration books and be accompanied by their guardians to apply. Guardians generally need to provide proof of identity (if the citizen and guardian are not in the same household registration book or the guardian is not the head of the household, they also need to provide proof of guardianship, such as birth certificate), and take photos with citizens under 16 years old on the spot to ensure the accuracy of citizenship under 16 years old. Due to the need to collect portrait and fingerprint information at the scene, it is not allowed for the guardian 16 to apply for a resident ID card for the first time, and the guardian and himself must be present at the same time to apply.
2. Print the "Population Information Checklist" in the household registration window where the household registration is located to check the population information.
3. After the population information is correct, the acceptance window collects portraits and fingerprints, and directly prints the Registration Form for Resident Identity Card Application.
4. The applicant or guardian shall sign the registration form of the resident identity card and get the resident identity card.
5. After receiving the license notice, I will take the "Resident Identity Card" to the designated place to collect it. Applicants who urgently need to use their resident identity cards may voluntarily apply for mailing certificates.
Secondly, the procedures for renewing resident identity cards.
1. I bring my household registration book or other documents that can prove my identity to any police station or accreditation center in the provincial administrative region where my household registration is located (if I don't meet the requirements for accreditation in different places in the province, I can only provide materials as required at my household registration). Those who meet the conditions of legal and stable residence, employment or schooling in other places outside the province, have registered their population information, and meet the unified requirements of the Ministry of Public Security for issuing permits in different places, can also apply for a national inter-provincial pass at their current residence with their residence permit, household registration book or valid identity documents issued by other public security organs and relevant proof materials of schooling/employment/residence [1 1].
According to the law of the Ministry of Public Security, the replacement of the certificate does not change with age. If a citizen's ID card under the age of 16 is lost, he can also apply for a replacement with the above materials.
2. After collecting portraits and fingerprints in the acceptance window, directly print the Registration Form for Applying for Resident Identity Card or the Registration Form for Accepting Resident Identity Card in Different Places.
3. The applicant shall sign the form to confirm, pay the license fee (except for special circumstances stipulated by law) and receive the "Resident Identity Card" and the fee receipt for 40 yuan.
4. After receiving the license notice, I will take the "Resident Identity Card" to the designated place to collect the certificate. Applicants who urgently need to use their resident identity cards may voluntarily apply for mailing certificates.
Legal basis: Article 16 of the Law of the People's Republic of China on Resident Identity Cards commits one of the following acts, the public security organ shall give it a warning and impose a fine of not more than 200 yuan. If there is illegal income, the illegal income shall be confiscated: (1) using false certification materials to defraud resident identity cards; (2) Renting, lending or transferring a resident identity card; (3) illegally detaining another person's identity card.
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 if someone else uses his ID card to get a loan?
If you find that your ID number has been stolen by others to borrow money from the online platform, I suggest you make it clear to the loan platform that the loan is not for you and you are not responsible for repayment. If the platform doesn't listen, it has been looking for its own dunning, and customers can report to the local CBRC or the Internet Finance Association. You can also reject calls from the platform or directly blacklist them. Also, if personal money is damaged, you can also report it to the local public security department and file a lawsuit.
The most important thing is that customers should take good care of their ID cards and don't give personal information to others at will, especially to unfamiliar people. In addition, it is best not to go to an unknown small loan platform for loans. Such platforms have not been approved by the China Banking Regulatory Commission, have no financial license, and information security is not guaranteed. Personal information is easy to leak, and even some platforms will maliciously sell customer information to criminals.
The first type of online loan that steals ID cards is to give someone your ID card and bank card to handle a certain business, and the other party makes online loans without their consent. It depends on the actual situation and whether the online loan company itself has fulfilled its reasonable review obligations. If the online loan company fails to fulfill its obligations, it does not need to bear any responsibility.
Second, the ID card and bank card were stolen by others, took the online loan and took the money away. Then the nature of this matter becomes a case. As a victim, he is not the actual loan applicant and has no obligation and responsibility to repay the loan.
Although in any case, it is in line with the above, but he can not bear the responsibility, do not have to pay back the money. But there is another factor that will affect whether the online loan company asks him to repay the loan principal and interest in a specific way.
If the online loan company has not yet, it is best to report the case to the police immediately, and the public security organ will file an investigation to confirm that the actual online loan applicant is not himself, but someone else holds your ID card information. Don't worry, you won't take any responsibility when you get this evidence investigated by the public security organ.
If the online loan company has already sent it to you. Then you have to prove to the court that you have nothing to do with this loan case. Your identity belongs to someone else's fraudulent use, and you need to go through a trial to find that you are not a qualified defendant in this case.
While actively responding to the lawsuit and claiming their rights and interests, they should also call the police as soon as possible. After all, this is still a case of embezzlement and fraudulent use of someone else's ID card.
Qualified defendant is to solve the problem of who should be the defendant in a specific case, that is, in a specific case, according to the law, who can or must conduct administrative litigation in the name of the defendant. Qualified defendant refers to the qualification of being a defendant in a specific lawsuit in his own name.
My friend used my ID card information to borrow money on some online platforms, and now those online lending institutions are urging me to repay. What should I do?
Your information is used by friends to borrow money. It is suggested to deal with it in the following ways:
1, contact a friend and ask the other party to repay as soon as possible.
2. If you receive a collection call from the loan platform, explain the situation clearly to the other party, explain that I didn't make the loan, and demand that the loan relationship be dissolved immediately, without having to bear the repayment responsibility (after all, I didn't sign the loan contract agreement myself, so the loan is invalid). If the other party needs to recover the money, you can provide the contact information of your friend, so that the other party can go directly to a friend to pay back the money.
3. If the handling is not clear, you can collect relevant evidence to file a lawsuit with the local people and hand it over to the public security department for handling. If necessary, you can also choose to report to the public security department.
4. If personal reputation is damaged as a result, you can also contact the People's Bank of China/the third-party data platform to make a complaint and file an objection application.
Everyone should take good care of their personal information, especially their identity cards, and don't lend them to others at will, so as not to be stolen by others and pretend to be illegal.
Relevant regulations:
The Criminal Law Amendment (IX) stipulates the following penalties for residents to fraudulently use other people's identity cards:
Criminal Law Amendment (IX) XXIII. One article is added after Article 280 of the Criminal Law as one of Article 280: "Whoever uses forged, altered or stolen resident identity cards, passports, social security cards, driver's licenses and other documents that can prove his identity according to law in activities that should provide identification according to state regulations, if the circumstances are serious, shall be sentenced to criminal detention or public surveillance and shall also or shall only be fined.
Can someone borrow money online with my ID number?
If others know their identity information and have their own mobile phones, they may borrow money online in their own identities.
When handling a loan, the lending institution will generally check my identity information. If there is a problem with my personal identity, the lending institution will not handle it. Once you provide your identity information to others, others can borrow money in your name. If you don't repay on time, or even default, the lending institution will eventually ask you for repayment.
ID card loans are not paid only by ID cards, but by applying for micro-credit loans through online and mobile phones, submitting ID card information and personal information, and applying for loans by credit. In some informal lending institutions, it is entirely possible for you to apply for a loan in this situation.
Extended data:
Basic procedures for applying for mortgage loans
The procedure for applying for a comprehensive personal consumption loan is not complicated, and generally goes through the following steps:
1. When the borrower applies for a loan, the law firm designated by the bank conducts a preliminary examination of the relevant materials submitted by the borrower.
2. The lawyer assists the borrower to handle the formalities of house appraisal, house mortgage registration, property insurance, etc.
3. The law firm shall issue a legal opinion and submit the relevant information of the borrower to the handling bank.
4. The handling bank conducts loan review and issues a loan commitment letter to eligible loan applicants.
5. The loan applicant shall open a special account in the handling bank, and sign the Personal Comprehensive Consumption Loan Contract and the Personal Comprehensive Consumption Loan Mortgage Contract, and the lawyer shall assist in the registration of home insurance and mortgage.
6. After obtaining the original house property certificate, the handling bank will transfer the loan amount to the account designated by the borrower.