Are you trying to take a mortgage, buy a telephone in the subscription, or usage installments, and the strategy always responds to “no”? If you have no thought why this is happening, the reason may be 1 and highly dangerous: You're listed in the debtor registry for a commitment you've never heard of.. This is simply a script that affects more and more Poles, who learn about the problem at the least expected minute erstwhile their financial plans are in ruins. Problem is, an entry in the National Debt registry may happen completely without your knowledge. It's adequate that individual unfairly utilized your PESEL number. specified a “long-spectro” can effectively block your financial life for long months, and its removal is simply a fight against time and bureaucracy.
How does your PESEL get on a con deal? The mechanics is simpler than you think.
The fraud mechanics is unsettlingly simple. It is adequate for individual to enter into possession of your PESEL number and usage it erstwhile entering into an online debt agreement, buying into instalments or signing a telecommunications service contract. If he then ceases to repay the obligation, the creditor has the right to study a debt to the Bureau of economical Information (BIG) after a certain time, indicating your data as debtor. By law, it must pass at least 60 days from the payment deadlineand the debtor must receive a call for payment with information on the intention to registry at least 30 days in advance.
The problem is that the notification is most frequently sent to a false address or telephone number given by a fraudster. As a result, The real owner of the PESEL number has no thought of the increasing problem. Where do these gaps come from? Procedures from the past are frequently blamed erstwhile identity verification was little rigorous. The most common causes are:
- Online agreements: any debt companies or shops verify identity only by SMS or e-mail, without physical proof checking.
- Telephone sales: In the course of the conversation, you just request to supply the memory data, which opens up a field of abuse.
- Use of stolen documents: The frauds with a photograph or photocopy of your proof have a set of data needed to make a commitment.
- System errors and negligence: Errors in entering data or inaccuracy in checking papers by employees.
- Amounts receivable: Especially dangerous are situations erstwhile a debt collection company buys an old package. Then they can “enact” liabilities years ago, based on defective documentation.
The consequences are brutal. A blocked debt is just the beginning
Mr Marek from Krakow was painfully convinced of the effects of “long-spectrum”. erstwhile the bank rejected his mortgage application, he was shocked. After thorough examination, it turned out that he had been in the KRD for 3 years for an unpaid debt in a company he had no thought existed. individual took a minute online, giving his PESEL and his false address. The debt company sent calls to the incorrect address and yet entered it in the register. It took Mr. Mark over 2 months to remove the entryduring which he had to file a police study and prove his innocence. During this time, he missed the chance to buy a dream apartment.
The negative entry in large is almost an immediate financial blockade. Banks and debt institutions shall automatically check these bases at each application. But that's not all. Problems can besides happen erstwhile you try:
- signing a telephone or net subscription agreement,
- take home appliances/RTV equipment for installments,
- the conclusion of a car leasing agreement,
- and even rent an apartment, as more and more owners verify tenants.
Worse still, the entry does not should be the consequence of fraud. It may be due to a simple mistake in the strategy or an authoritative error. Whatever the cause, the burden of proving innocence and clearing your communicative is on you.
How to check if you have a ‘long-spectro’? Simple instruction step by step
The first and most crucial line of defence is proactive action. Don't wait for the bank to refuse you credit. Regular checking of your position in debtor registers is an absolute basis. Under the law, all natural individual has the right once all 6 months free of charge check your information in each of the main economical Information Offices (such as KRD, ERIF or large InfoMonitor).
To do this, just enter the website of the selected office, make an account and confirm your identity. This is usually done by carrying out a verification transfer of PLN 1 (which is returned) or attaching a scan of the identity card. After verification, you will have access to a report, in which you will find not only information about possible debts, but besides a list of companies and institutions that have late asked about your data. It is besides worth to activate paid SMS or email alertswhich will immediately inform you of any effort to check your PESEL number in the database. It's the fastest way to detect a fraud attempt.
Did you discover a false entry? Here's what you gotta do. You only have 14 days!
If you discover in the study a commitment that is not yours, you must act immediately. The law gives you 14 days to react Since you found out about the entry. Don't ignore the case, even if it seems absurd. The first step is the authoritative contact with the creditor who entered the alert. Request a copy of the contract and any papers to confirm the existence of debt. If the company is incapable to supply them or papers bear the signs of forgery, you have strong grounds for further action.
The next step is notification to the police suspected of committing a crime, that is, extortion and unlawful usage of your individual data. In parallel, file an authoritative complaint with the president of the Office for individual Data Protection (UODO) for the illegal processing of your data. delight note that a creditor who does not remove paid (or non-existent) debt within 14 days is at hazard of a financial punishment up to PLN 30,000. This is simply a powerful argument that should motivate him to rapidly explain the case and remove the incorrect entry.
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The bank turned you down? Could be a ghost debt. Check your PESEL now!
