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What to do if a fraud loan is in your name?

April 21, 2026

REMINDER

"WHAT TO DO IF A FRAUD LOAN IS IN YOUR NAME"

1. NOTIFY THE BANK OR MFI (CREDITOR) IMMEDIATELY

Call or write to the creditor. Demand:

  • block the card, account and access to the app;

  • register your request with date and time.

Upon written request, request confirmation of its registration. This is necessary for further interaction with the creditor and government agencies.

2. SAVE ALL EVIDENCE

Immediately record all information — this is necessary for reporting to the police and protecting your rights. Save:

  • recordings of conversations and voice messages (if available);

  • SMS and confirmation codes;

  • calls and correspondence (including instant messengers);

  • notifications from the creditor;

  • account statements and recipient details.

Use screenshots and copies without changing the data.

3. CONTACT THE POLICE

Submit your application through the eGov portal, e-Otinish, or in person at your local authority. Your application must be registered, after which a pre-trial investigation will begin.

In your application, indicate:

  • date and amount of the loan, name of the lender;

  • circumstances of registration;

  • known contacts of persons involved in the fraud;

  • available materials (screenshots, extracts, correspondence, etc.).

4. WHAT DOES CONTACTING THE POLICE GIVE YOU?

The key stage is obtaining a victim recognition order or a police report. The police establish the circumstances of the loan and verify the use of personal data.

You must contact the creditor with the resolution received. Based on this document, the creditor suspends debt collection no later than 3 calendar days.

If the loan has been transferred to debt collectors, notify them of the existence of a criminal case. If the creditor fails to act, contact the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARDFM) via e-Otinish.

5. IS IT POSSIBLE TO WRITE OFF A FRAUDULENT LOAN?

It is important to understand that the mere fact of fraud does not mean the debt will be automatically written off. Write-off is possible only if both the fact of fraud and violations by the lender when issuing the loan are established. Depending on the situation, either an extrajudicial write-off or a judicial procedure applies.

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