The probability of getting your money back with a mirror loan scheme is low. The same applies to many other types of telephone fraud. There are several reasons for this.
While the criminal is processing the loan, the victim independently provides the necessary data, and then personally makes the transfer. The fact of fraud can only be proven if the police can catch the perpetrators. Otherwise, the situation looks like a failure to fulfill obligations.
Fraudsters insure themselves against prosecution. The SIM card used to make the call is most likely registered to another person. The same applies to the accounts to which they force you to transfer money. It is not always possible to establish a connection between their owner and the criminal. To the point that the account owner may also be a victim of fraudsters.
Can a loan be taken out in your name if you lose your smartphone?
The short answer is yes, there is such a possibility. In detail, everything belgium mobile database is somewhat more complicated and depends on many conditions.
It may be difficult to crack a smartphone's security, but it is almost impossible to guarantee the integrity of the information on it. Therefore, it is important to immediately block the SIM card if you lose your smartphone. However, this may not be enough.
The capabilities of attackers largely depend on the level of protection of the smartphone. If you actively use banking applications and other sensitive services from the gadget, it is worth installing several lines of barriers for the thief.
The smartphone itself should be locked. Preferably via a fingerprint scanner or Face ID. If the gadget only supports a PIN code, the code should not be obvious, and the number of errors when entering it should be limited. Access to banking applications, email, and State Services should be protected with different codes.
If your smartphone screen and applications are poorly protected, this may give criminals the opportunity to take out a loan in your name, manage accounts. At the same time, they can change passwords and contact information on services. You will not even have the opportunity to monitor their actions, much less prevent them.
The consequences of such carelessness can be a complete loss of finances, large debts and even criminal activity in your name.
Setting up double authentication can seriously reduce risks. Then, if your smartphone is stolen, there is little that attackers can do. Provided that you block the SIM card in time. Any action with finances and access to personal information will need to be confirmed via SMS or call, and these functions will be inoperative.