If you have had a credit ban in place, you have the right to file a… (оформить · заём · самозапрет)
If you have had a credit ban in place, you have the right to file a request with a microfinance organization (MFO) or a Credit Information Bureau (CIB) to cancel the loan agreement. In this case, the microfinance organization is not entitled to demand repayment if the loan was taken out while the credit ban was active and the organization failed to check for its presence in the CIB.
Consensus
- Citizens with a credit freeze can request cancellation of a fraudulent loan contract
- Microfinance organizations cannot demand payment if a loan was taken out during an active credit freeze
- Victims should file a complaint with the police and the Central Bank of Russia
- Authorities have issued guidelines on how to handle such cases
Points of divergence
- Victims should also report to the credit bureau (BKИ) and can be targeted by scams involving money transfers and fake psychological help — vm
- Victims must submit a formal statement to the microfinance organization and police, and may need to go to court if criminal charges are not filed — vesti
Coverage (2 sources)
- What to do if fraudsters have taken out a micro-loan — Вечерняя Москва
- Ministry of Internal Affairs Explains What to Do With a Loan Formed by Fraudsters When a Credit Freeze Is in Place — Вести