- This topic has 30 replies, 16 voices, and was last updated 1 year, 3 months ago by
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FHi everyone,
I’m in a really tough situation and I need some advice. My ex-boyfriend and I were living together in a coliving situation in Hyderabad and we broke up and I moved out 4 months back due to his online gambling/rummy and horse riding betting addictions and recently I found out that he took out several loans in my name without my knowledge. These include home loans(56 lakhs), personal loans(15 lakhs), and even credit loans(5 lakhs) from different banks.
I found these due to the alternate number(my brothers number) he added in one of the loans and bank people called my brother for missing payment and I checked the cibil report and found out about these loans.
I’m feeling completely lost about what my next steps should be.Has anyone been through something like this? What steps should I take to protect myself and fix this situation? Any advice on how to approach the banks, what legal actions I can take, or how to repair my credit would be really helpful.
And I don’t know how to prove these are fraudulent loans without my consent.I appreciate any insights or experiences you can share. Thank you in advance! This is my first post. Please let me know if you need more details.
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CNAL.
I don’t understand how’s that possible. I get personal loans and loans on credit cards can easily be taken out via app, but a massive home loan without your knowledge?? Odd. Did he put you as the co applicant or something like that?
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FEven I don’t know myself how we was able to take such huge loan and I believe banks do lot of verifications while giving home loans. I believe he might have done some fraudulent actions by making some other women impersonating me.
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Bit’s not possible to take loan on some random person’s name.
Make sure it’s not scam because recovery agent call everyone in contact list of loan taker and lie them that loan taker has give their name as guranteeer.
Such big loan on your brother name is not possible without brother knowing
Check cibil report of your brother and yours again.
Visit bank brach again and confirm.-
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BYour brother is lot liable for anything.
How did he take loan on your name?
Did you sign any papers?
Did you give any documents?-
FI didn’t sign anything but just a probability, he could have forged my signature.
He must have taken my documents when we lived together.-
BNot possible to take such huge loan by using someone’s documents.
We took loan recently and they did long verification process.
Who told you you have loan?
Did you check your cibil report?
Don’t believe those calls.
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FI checked my cibil report and saw all these loans.
I don’t how he got all these. One stupid thing I did was my sim which linked to aadhar and bank were with him. -
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CConsult a local lawyer dealing with loan recovery cases (generally before the Debt Recovery Tribunal).
You will need to file a FIR against him, and then apply to get your name struck off all loans on the basis that these were fraudulent transactions made without your signature or consent. You’ll need copies of all loan documents as well, and a lawyer can help you through this process.-
DHi my ex took a loan of 13 lakhs promising to pay he paid for 3 years now he is refusing to pay 2 more years saying he will not pay the bank interest and also lying saying that he had given my cash in hand and gold which is a lie he is a fraud what to do ?
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ANAL.
Is it chatgpt ragebait?
In kyc they ask for aadhar and to verify aadhar you would need to give your biometrics.
Additionally, you need to provide your income details ( ITR ) to get loans. That may include your work record, your employment status etc. Also, details of collateral and/OR guarantor.
If it isn’t rage bait, First get the details for loans and respective KYC officers at bank.
Hire a lawyer and file An FIR ASAP for fraud, impersonation and identity theft.
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APlease update if you find out how they hoodwinked the aadhar system and all the points I mentioned.
Name the KYC officers as accomplices.
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SHave a few questions if you answer them you will fix most of the things
1) Where are the emis getting deducted from ?? .
2) If the loans were taken on your name and your creds (Aadhar n PAN and phone number) didn’t you get any messages (SMS) or email.
3) Did you ever get any call from any recovery agents for missed EMI ??
4) Where is the home for which the home loan was taken ??
5) What are the Bank names which are involved in all this mess.Anwer above questions , approach the police and file an FIR
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FSo the dumbest thing I did was due to the fights we had I left him and with the luggage whatever I can get.
At that time I forgot my sim with which was linked to aadhar due to the mental torture I had and i didn’t want to connect with him again.1. I had two accounts out of one which was kotak bank which is connected with that number and I believe he was able to login with the bank details when we were together.
2. As I mentioned mobile sim was left with him which is the dumbest thing i did
3. I haven’t since I didn’t have the number but my brothers alternate number
4. I don’t this, I ended up finding all this information yesterday only after looking at paytm cibil score and loans info.
5. Kotak home loan, yes bank and icici personal loans and HDFC credit loan.I can file FIR but I am scared of these things leaked to my parents.
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SOh Damn ….
Better keep paying EMI , then you will get married and to hide it from your spouse continue to pay and later to hide it from your offspring continue to pay the EMI.Or the alternate is to file FIR n stop the cycle.
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MApproach each lender and ask them to share copies of the loan applications. Notify that you are a victim of ID theft and need the copies to start legal proceedings.
Review the copies to check that you were not a party in any manner. Post that, you should initiate a criminal and civil case against your ex.
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