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If my information is stolen to borrow money, do I have to repay the loan?

18/06/2022

Borrowing has the nature of a property loan agreement, whereby, based on Article 463 of the Civil Code 2015, a property loan contract is understood as an agreement between the parties, the lender will deliver the property to the borrower and the borrower repays according to the correct quantity, quality and interest (if any) within a certain period as agreed between the two parties.

Therefore, the loan is only established based on the agreement of the parties on a voluntary basis, so if a person has information stolen such as ID card number, CCCD ... but in fact a loan transaction is not made, there will not be a debt service obligation.

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But the person whose information is stolen in this case must prove that he is not the person who made the loan.

Thus, the person whose information has been stolen for a loan is claimed by the lender, and can ask the lender to provide documents and documents related to the loan such as: Borrowing time, loan amount, loan interest rate, loan transaction...

In addition, the victim can report the above incident to competent police agencies to receive and handle crime reports.