Dear readers,
You often hear lately that people are embarrassed by corruption or by clever people after your money, here is the story of what happened to my Thai friend recently.
A few weeks ago, she received a notification by post from the Tisco Bank in Bangkok that she had to repay the loan that was taken out on January 20, 2015, the amount including interest had now risen to 111.000 Thb (the loan amount was 60.000 Thb). .).
After having had telephone contact with the Tisco Bank, she found out that according to them this is already the 4th? letter they had sent to her, she failed to convince the bank that she had not taken out a loan and that she had been with me at the apartment in Khon Kaen from December 15 to the first week of March.
Since I was not in Thailand at the time, she investigated this matter as best as possible through a Thai lawyer and received all the papers on which this loan was taken out by fax from this bank, which turned out to be copies of ownership papers of rice fields, ID card and the blue Tambien booklet all in the name of my girlfriend. We don't understand how a bank will give a loan to someone with only these papers and they don't ask for further proof of ID, so it looks like someone used her papers.
Reported to the police on the advice of the lawyer, the lawyer talked to this banking institution several times and wrote letters to explain the situation and that it was impossible that my girlfriend had taken out a loan with them, but unfortunately without result.
Ultimately having to pay the 'loan' because the bank is not cooperating further, the amount is increasing every day and to prevent seizure of goods.
We are now almost certain what the story behind this loan is, but it is becoming very difficult to point out someone. In January I went to her village with my girlfriend because of a compensation that the farmers would receive for the failed rice harvest of the previous year. Someone from the government came and the people who had suffered damage had to hand in their papers (copy) about land, Tambien, Id and photos of the land and also fill in a claim form.
It looks like it is those papers (a copy of it) that someone used to take out this loan, but unfortunately there is nothing that can be done about it. We hope that no more loans from other banking institutions have been taken out in this way.
Moral, write on all your copies what they are for, date, year, and put a few heavy strokes and strokes through them to make a copy of this worthless so that it cannot be used for other things.
Submitted by Cloggie
When I opened an account with the bank, a photo was taken with a camera on the desk.
If that's standard, that photo might even exist for the loan.
When my wife makes copies to hand over, she always puts a few lines through them and writes that it is a true copy with signature and date. She lets others, not even agencies, make copies, she always makes them herself.
At the time she worked in government service, it is standard that copies are made in this way.
The last part is very important and most Thais know it is the only way to hand over your copies to anyone, BE warned they are smarter than you think.
This seems far fetched to me, still checking the signature, she has or has,
still have to sign several times .Also
odd that you weren't there.
You will find out……….
Sorry, but… does a bank get away with having issued a loan with only copies as collateral? No real signature anywhere, so with blue pen on it? And then a signature, whereby an expert declares that these - bordering on certainty - belong to the same person?
Or is it the eternal story in Thailand again: Thai lady has a farang ATM that will pay, because oh poor thing, otherwise that lady will lose face (and not the co-framing bank?)
Simply: “see your claim in court, so I can file a claim against your bank for fraud at the Criminal Suppression Dept in Sathorn-North Road..” and the discussion is gone.
There's definitely more going on. A bank cannot make a loan if the borrower cannot show a valid ID and the photo must match the person applying for the loan. That did not happen. You can request the contra account into which this amount of 60.000 has been deposited, furthermore in 7 months the interest amounts to more than 51000 bath? Should you receive a statement every month?
French indeed, well noted.
Naturally, the fraudster or scammer received THB 60.000.
So you should be able to find them without any problem, right?
The bank has only written 4 letters, and 7 unpaid(!) installments have passed?
And then only that 4th letter turned out to have arrived. Just like the letter that pops up – in time – when there is an attachment.
In addition to ownership papers, the bank also faxed the ID card. Well… then someone was sitting at the bank on January 20, 2015, who is very similar to Cloggie's girlfriend.
Who, according to Cloggie, stayed with him in the apartment in Khon Kaen from December 15 to March. But read a line further that Cloggie was not in Thailand then? How about that?
Story with hooks and eyes…
In my opinion, a bank does not provide a loan on a copy ID card, the bank makes a copy of it itself.
Thais are smart and inscrutable, in other words you never really get to know them.
A Canadian in my street, with a Thai girlfriend, for years. Her 16-year-old daughter would come to live at the dark site pattaya from the isaan and go to school. But she needed a moped to go to school, the Canadian gives her 25.000 baht for buying a good second hand moped.
That is too little Thai, that had to be new, the Canadian did not want to pay anymore, not even after some argument.
At one point she takes the 25.000 bath anyway and goes to buy a moped. Not 2nd hand but new, with a loan on it. Loan in the name of mother, mother had a copy of the Canadian passport and said I live with it. Despite the fact that the woman had no income, the loan was granted because the general expectation was that the Canadian would pay the loan anyway. Mother and daughter come home with the new moped, said nothing about the loan, only that they had a hefty discount and that the model had passed its birthday.
After a few months, the Canadian house exploded, obtained a payment order of several months on the loan plus a hefty interest. The moped would be picked up within 1 week of not paying.
It did not come to that, the bomb had burst and mother and daughter left with the still new moped to an unknown destination. Part of the 25.000 bath that the Canadian had paid went to relatives and the rest they had spent themselves. The worst thing the Canadian thought was that the mother and daughter thought it was perfectly normal what they had done and did not feel any guilt.
A cynical remark from the Canadian, for 25.000 baht you get to know the right person, so I'm still cheap, his acquaintances had already lost millions of baht and lose even more because they don't want to face the truth.
Nice weekend
Roel
I would like to note that this is certainly not for every Thai, because there are also very good Thais. Let's add that this is the same in every country and also occurs the same.
Hallo,
I regularly visit the different banks here in Thailand with my Thai wife and the first thing they ask for any transaction is the passport. Taking out a loan here can only be done by the person of the ID himself.
It has already been said before. It seems like a story with snags and eyes. I think not all the facts have been mentioned.
Over the past 20 years I have had many discussions with banks and other institutions that want to make a copy of my proof of identity. Sometimes even for every transaction. It is almost always backfired after discussion.
Starting from the Netherlands, there is a duty of identification there, not for making a copy. The Dutch government has explicitly stated when a copy of an identity document must be made. This is, for example, by an employer who hires someone or a bank where someone opens a bank account.
I myself have been a victim of identity fraud before. To prevent that (which will never be completely possible) I normally do not provide a copy or have a copy made of an identification. If necessary, I never use my passport, but always another proof of identity, such as a driver's license. I have a color scan of it on my computer, of which certain features have been made illegible. I print this out in color. Then I print a diagonal “watermark” over it that states for what purpose the copy was issued, on what date and to whom. Besides, I always do that once. If the copy is misused, this can be seen immediately from the characteristics. This is, in my opinion, the safest way of a copy that has never been objected to. In the given story, the bank has something to explain if someone were to use my copy to take out a loan.
This whole story is wrong. No bank will grant a loan without the person applying for it and signing it with a valid ID, etc. Our daughter works at a large bank as head of the department in Bangkok and has assured me that this story really cannot have happened as it is said. claimed.
It could be that the lady has secretly borrowed money from the bank and thinks oh well, the farang will pay the debt when he finds out.
In my opinion there are two possibilities: 1) the bank shows to which account the amount of the loan has been deposited; 2) the bank comes with an original(!) signed proof of receipt for that amount.
If not, let them go to court; you always win in such a situation (even in Thailand).
This is probably not the right place, but another warning.
Never guarantee the purchase of a motorcycle or anything on credit.