Can I get credit for a passport copy

Layfhaker with a professional lawyer versed in the issue and gives advice on how to protect themselves from fraud.

"On the pensioner hung million loan," "Collectors persecuted because of someone else's loan," - these titles are often found on online forums and even in the media.

Not surprisingly, in the mass consciousness There is a stereotype like to issue the credit can be anyone and everybody. There would be only a copy of the passport or at least the series and number. Let's see whether this really is.

Documentation

Any credit and microfinance organization has a list of documents required for registration of a credit (loan). In some strict rules and the list is long: a passport with a note of registration, 2-PIT, SNILS, TIN, marriage certificate. Others do not even require a certificate from the employer, only need the passport. But always original!

Getting a loan or a loan from a copy of the passport is contrary to Federal Law "On counteraction to legalization (laundering) ...". According to him, the bearer of a copy of the passport is not considered to be identified. None of the employees within the legal framework of creditors, whether a bank or a microfinance company, will not accept a copy of the passport without checking with the original.

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Anastasia Loktionova, the group of companies "Rusmikrofinans"

fraud scheme

However, sometimes unpleasant incidents still occur.

• Collusion with bank employees. To scam, fraudsters need at least to agree to a loan officer who prepares the documents. May have more to share with the clerk, who gives the cash passport and security service that verifies the borrower. Example: an employee of the bank on the passport data of the loan issued to other her lover, who had never seen.
• Abuse of authority. Sometimes the bank employees consider themselves smarter than the credit system and spend a little more than the amount requested by the borrower. The difference lay in his pocket. Example: A man came for car loans, and the officer has issued it is also a microloan.

In all these cases, the key role played by the human factor.

Without the assistance of an unscrupulous employee credit or microfinance institution to issue the loan on the passport copy is not possible.

And to find such an employee is not easy. Indeed, such actions threaten not only the loss of a job, but also criminal prosecution.

According to Anastasia Loktionova, if a citizen will attempt to obtain a loan or a loan using a copy of the passport, it will be classified as fraud under article 159.1Fraud in lending. Of the Criminal Code.

Precautionary measures

To make sure to protect yourself from fraud:

• Do not lay out their passport data in social networks (including in the "Documents" in "VKontakte") and do not send them by e-mail (or immediately after the delete destination).
• Do not store copies of documents in the clouds and the stick. If you still download scan passports at the «Google Drive", follow the access settings when rassharivaniya any files.
• If you lose your passport, contact not only the passport office, but also the police.
• Regularly check your credit history.

If you came platozhka loan or a loan that you did not take, do not panic. Take in hands a passport and come to find out the situation in the credit or microfinance institution. Make an explanatory talk with the employee, approve a loan, ask for records from surveillance cameras on the day of its registration. Remember that the law on your side.

If a bank or microfinance institution violating the law "On consumer credit (loans)" or "On protection of rights and legal interests natural persons carrying out activities to repay overdue debts... ", they can complain to the Roskomnadzor or the prosecutor's office. If you break the law collectorsShould write a complaint to the Federal Service of Court Bailiffs. It is important to prove that the organization exceeded its powers.

Anastasia Loktionova, the group of companies "Rusmikrofinans"