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How to defraud credit with fake papers?

Despair pushes people to the end. Increasingly, I am observing many people who are thinking about using credit when they are trying to get credit for fake documents. If you are in this case, it is better to know the risks of what is a crime.

Falsifying documents to obtain credit more easily is punishable by prison terms.

Summary

  1. Obtain false papers
  2. False documents to obtain credit
  3. Spousal credit fraud
  4. The fight against credit fraud
  5. What are the risks of credit fraud?
  6. Legal aid for credit fraud

The gigantic financial crisis we are going through, which is becoming a permanent crisis, is pushing credit applicants to “beautify” their file in order to increase their chances of getting a bank loan. We show pay slips while we are unemployed, we present rents smaller than they are actually As some US President would say, we present “alternative facts”, which, in clear, corresponds to a lie. The over- indebted, who can no longer make credit because they are banned bank are simply tempted to present false identity papers, pretending to be someone who has no trouble money.

Banks have methods to assess credit risk through credit scoring:

Banks have methods to assess credit risk through credit scoring:

They evaluate the borrowing possibilities of their customers by assigning them a rating based on the situation of the applicant and the supporting documents provided, typically pay slips, bank statements or age, for example. The audit work is more and more pushed, as I have unfortunately experienced during my application for real estate credit to buy in Portugal. Why so much verification? Because fraudsters give trouble to banks, with ever more advanced techniques of falsification of documents.

When we desperately need money, we say that making false documents to obtain a credit that we will repay, “promised sworn”, it is not so serious. Except that, of course, repaying a credit when you have no money is not so simple, unless you know from the start that you will never pay, which clearly corresponds to a scam and theft, quite simply. It shows how sophisticated the level of sophistication of forged papers is, defeating traditional verification systems. When you want to make a credit, it is not the 400 euros that can cost a false identity card that will stop us! In fact, he was selling outright “kits” for credit, including false payslips, rent receipts, and ID. It has since been discovered (after two years of investigation all the same) and, as you can imagine, no longer makes false documents! this story…

A last example: it is not only the financial institutions that are concerned, but also the department stores. For example, Mr Traore was able to obtain several IKEA credits by providing a fake identity card purchased from a counterfeiter. In all, he defrauded for 4500 euros of credit, by “buying” simple things: a television, an oven, kitchen furniture

In short, this is the law of coping and survival for this illegal immigrant dad of a 4-year-old girl. His mistake? A misspelling in his “loan” name on the credit application files. Morality: one year in prison. We all know schemers for much larger sums that are never worried. Yes, I think very strongly about the fictitious employment of Mrs. Fillon, who steals from taxpayers in one month more money than this immigrant in several years to a private company.

Fraud a credit to make a loan between individuals

Fraud a credit to make a loan between individuals

This is an original combination, a bit like Robin Hood, except that here Robin is named Francine, and she gets a commission. Francine, in a banking ban, helped by her sister Isabelle, thus fraudulent consumer credit companies by providing false documents: false bank statements, false identity papers, fake payslips.

They might never have been discovered if they had not started making credits for other people. Indeed, they asked for a fraudulent credit to financial institutions for people banned banking, receiving a commission in passing. It is sort of a kind of loan between individuals (article eKonomia) for the over-indebted appealing to Francine and Isabelle.

Morality: three years in prison for both. Being already over-indebted, they had nothing to fear financially anyway. This is what we must not forget: a person in the process of personal recovery (article eKonomia) has nothing to lose, except his freedom.

Real estate credit fraud

Real estate credit fraud

The hardest loan to obtain, the mortgage, is also the one that requires the most checks from the banks. This makes it possible to measure the success of this businesswoman who, on behalf of the “clients” of her company, had managed to obtain real estate loans from general society. To achieve this, she produced false documents. In total, we are talking about a hundred real estate loans, or 20 million euros of fraud!

In addition, the creation of “fictitious” companies is commonplace among counterfeiters. It is now quite simple to open a company with the administration, and thus obtain official papers. The same company can therefore issue pay slips that pass very well with credit companies or banks two credit “.

When one has to falsify the signature of one’s husband, one’s wife, is that there is already a very serious problem in the couple, the divorce does not seem far. So much to know what to expect, by reading what happens with the debts when one separates definitively from one’s spouse.

My advice: he or she lied to you, cheating on your signature, knowing you were going to say no. Can you trust him? Do you forgive? If so, forget this story and stand together, you can only do that anyway. If not, you no longer trust him, go to the gendarmerie to file a complaint – the divorce is not far off – and the complaint will certainly protect you from the repayment of a debt that you did not want once separated.

  • False and use of forgery: 3 years in prison and a fine of 45000 euros. If the fake is a document of the administration (ID card ), the penalty is aggravated: 5 years in prison and a fine of 75000 euros.
  • Possession of a false document, without use: 2 years in prison and 30000 euros of maximum fine. These penalties amount to 5 years in prison 75000 euros fine if we have several false documents.
  • Making a false certificate (which has no legal value) is punishable by one year in prison and a 15000 euro fine. If this certificate is harmful to someone, the penalty goes up to 3 years in prison and a fine of 45000 euros.
  • Lie to the administration (without bringing false documents): 2 years of prison and 30000 euros of maximum fine.

All these penalties are very much aggravated for the depositaries of the public authority or for the “professional counterfeiters”. Prefector the forger therefore risk a sentence of 7 years in prison.

Offenses, such as crimes, are entered in the criminal record. In short, if you think of defrauding a loan by forging false documents, you are warned, but in summary:

You have remorse, you do not sleep at night because you gave false papers. The time to obtain the credit seems endless It is customary to say that the declared fault is half forgiven. If you have not yet obtained the credit, tell the financial institution that you no longer want it. If you got it I pity you and your fear. I copy you the answer of an attorney on the Internet to someone who was remorseful for defrauding by making false invoices:

My advice is to share your remorse with other people than justice, unless you prefer to be judged and sentenced for breach of trust to the reimbursement of misappropriated money and a criminal fine to be at peace with your conscience.

I think he has everything summarized. Check out his blog page “The conditions and penalties of the criminal offense of fraud”. He is a lawyer, he will advise you, even (and especially) if you have been caught.

If you do not have the means to hire a lawyer in good standing, you have free legal aid. In addition, if you do not have money, which is very likely, you will surely find yourself in a situation of over-indebtedness. It is not just a matter of fines, reimbursement and imprisonment, but also a ban on banking. Not to mention that even if you are no longer banned banking after several years, banks will always remember the fraudster: good luck to apply for a credit!

 

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