How to protect yourself against extortion of consolidated loans?


Probably you have often heard about the situation when criminals using someone’s proof, personal data of another person have swindled the loan. The consequences of such a situation are difficult for the person being robbed, because it is often impossible to catch criminals and bank branches do not always resign from pursuing their claims regarding repayment of the loan. It may take months or even years before the situation finds a solution beneficial to the person being robbed.

The Polish Bank Association recently published a report in which it indicated that after only the last three months of 2017, fraudsters attempted to extort loans to stolen personal data until 1756. Loans amounting to PLN 130,500. So it is not a small, accidental problem that will not happen to you. No wonder that more and more Poles are beginning to wonder how to protect themselves against extorting consolidated loan for their data.

Protect your ID card

Before we get to how to protect yourself from extorting a loan, it is worth discussing the important issue of protecting your identity card. This is the basis if you want to feel safer and not give anyone the chance to use the data contained in it.

This means that you need to look after your ID card and make sure it is not shared with accidental people or taken from your field of view. It should not be left to anyone, under any circumstances. This applies, for example, sports equipment rental, where it is often indicated as a security requirement for the borrower.

Leaving the evidence may end up using it for illegal activities. Just as you should not leave proof to others, you should not give details of it, including the serial number, as soon as someone asks for it. Criminals are smart and impersonate, for example, employers seeking employees. When someone asks you in such a situation to send sensitive data, beware. Any sharing of data can result in an unpleasant situation.

You can not underestimate the theft. If you reach it, you should immediately block the evidence and inform your bank about the situation – for security.

Loan fraud protection – alerts

The BIK, or the consolidated loan Information Office, has now been heard by everyone. Usually, it is associated with loans, with consolidated loan history, mainly the history of debt. It is considered an obstacle when trying to obtain a loan. Contrary to this, it is something that will start more, it helps banking institutions, but also private individuals, facilitates learning about their consolidated loan opportunities, checking history and just security. In addition, it offers a service called Alerts BIK.

BIK alerts are nothing more than notifications sent to customers by email (e-mail) and SMS when it comes to any of the following situations. These include: an attempt to obtain a loan or consolidated loan for your data, the impact of the delay in repayment of the consolidated loan you took, entering Debtors Register BM InfoMonitor as a debtor, asking someone for questions about you in BIG.

Text or enamel information about these situations allows for quick response and prevention of an unpleasant, and sometimes costly situation. The advantage of BIK alerts is also to inform monthly that nothing disturbing has happened.

What kind of alerts do you have to choose?

BIK alerts are very helpful if you want to feel confident in your financial matters. You can choose one of four available types or all, depending on your preferences.

The first type is informing about changes made to BIK in relation to you. When banks or non-bank outlets change information about current loans and their repayments, you will be informed. The second type is sent at the end of each month information that you have not been entered into the BIG, and you will not encounter problematic messages about you.

The third type is related to controlling finances. You can find out thanks to him that your consolidated loan history is beginning to deteriorate and entries about delays and debts appear in it. The fourth type, but from the perspective of possible extortion of the loan, the most important is the so-called anti-fault protection. It activates when someone uses your data to contract or tries to take out a loan or a loan (you will receive this notification when you apply for a loan yourself).

How much does it cost to protect against extortion?

Unfortunately, BIK alerts are not a free option. To be able to use such collateral, you must be prepared to pay a predetermined fee. Before you do it you should decide on the type of alerts – you can activate all or only selected ones. All are not a necessity and if you want to feel safer, protection against extortion should be enough.

BIK alerts themselves are available in the amount of PLN 24 annually. They constitute a basic package, without additional services. In additional services there is an option that allows you to reserve an ID card in case of theft, which is very practical, but costs PLN 99 annually.

The manner of activation of BIK alerts

The possibility of using BIK alerts is strictly connected with the need to register in the portal. After filling in the form, you will need to send a scan of your ID card and a verification transfer in the amount of PLN 1. The next step is to receive a registered letter with a verification code that allows you to use the account. It’s best to change the password immediately after logging in, and then activate the necessary BIK alerts. As soon as you receive a disturbing notification – respond and call the bank.


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