With the improvement in the credit markets and the growth of car sales on credit, insurance companies and banks meet new types of fraud in this area. Credit and insurance scammers improve their fraud scheme, he borrowed the gaps in the harmonization of insurance companies, traffic police and banks.
One of the most common types of fraud is to purchase credit for other people's documents. And if the acquisition of household appliances need only a passport, then, for the purchase of machinery, requires also a driver's license. However, their authenticity is checked by security police on the bank's database. If the document is in these databases does not appear, then the bank will immediately take the appropriate conclusions and denied a loan. Fraudsters turn up a way to circumvent this obstacle.
Through the registry office employees, they get a passport recently deceased person. Since information about the death of man in police computers come with a delay, the dead still for a long time was listed among the living. Photo paper in the glue. Then the scammers by "their" peace officers extract information of the deceased driver's license and making a fake copy. Now a contender for the loan without any problems will be a standardized test procedure. Because passport data and the document number are the real and present in all databases. The car has not been realized yet did not pay the loan customer, banks usually do not give a hand to PTAs. However, such interference can easily overcome by swindlers. They take a duplicate in the SAI, explaining that the technical data sheet on the car as if it were lost.
Then the car is removed from consideration in the traffic police, and quite legally sold not having any suspicion of the man. Complications with this car it will start later, when the bank's employees understand that they are trivial "threw". The car will be announced in the search, and honest buyer is in danger of losing it.
There are also more lightweight fraud scheme in which the role of victim advocates are not a bank and an insurer. This "commerce" are engaged in serious criminal gangs. When you buy a car on credit to insure mandatory, including a type of insurance as insurance against the risk of theft. Then the new owner surpasses its dealers and the police received a statement about the theft. From the middleman former owner of car gets up to 30 percent of the price of the car.
The main requirement is that the owner owned the car two sets of keys that would confirm the fact that the car is stolen and not commandeered by the robbers. In this case, the insurance company for a reason to deny compensation insurance will be less. After receiving the money from criminals, the owner of the car also receives under a contract entered into with the bank, and a new car. Based on police statistics, it becomes clear that this kind of crime is extremely rare disclosed. Similar scams are forced banks to hold large enough interest and demand for consumer loans
One of the most common types of fraud is to purchase credit for other people's documents. And if the acquisition of household appliances need only a passport, then, for the purchase of machinery, requires also a driver's license. However, their authenticity is checked by security police on the bank's database. If the document is in these databases does not appear, then the bank will immediately take the appropriate conclusions and denied a loan. Fraudsters turn up a way to circumvent this obstacle.
Through the registry office employees, they get a passport recently deceased person. Since information about the death of man in police computers come with a delay, the dead still for a long time was listed among the living. Photo paper in the glue. Then the scammers by "their" peace officers extract information of the deceased driver's license and making a fake copy. Now a contender for the loan without any problems will be a standardized test procedure. Because passport data and the document number are the real and present in all databases. The car has not been realized yet did not pay the loan customer, banks usually do not give a hand to PTAs. However, such interference can easily overcome by swindlers. They take a duplicate in the SAI, explaining that the technical data sheet on the car as if it were lost.
Then the car is removed from consideration in the traffic police, and quite legally sold not having any suspicion of the man. Complications with this car it will start later, when the bank's employees understand that they are trivial "threw". The car will be announced in the search, and honest buyer is in danger of losing it.
There are also more lightweight fraud scheme in which the role of victim advocates are not a bank and an insurer. This "commerce" are engaged in serious criminal gangs. When you buy a car on credit to insure mandatory, including a type of insurance as insurance against the risk of theft. Then the new owner surpasses its dealers and the police received a statement about the theft. From the middleman former owner of car gets up to 30 percent of the price of the car.
The main requirement is that the owner owned the car two sets of keys that would confirm the fact that the car is stolen and not commandeered by the robbers. In this case, the insurance company for a reason to deny compensation insurance will be less. After receiving the money from criminals, the owner of the car also receives under a contract entered into with the bank, and a new car. Based on police statistics, it becomes clear that this kind of crime is extremely rare disclosed. Similar scams are forced banks to hold large enough interest and demand for consumer loans
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