There is a heightened awareness and concern about digital fraud in India, particularly around its prevalence and the effectiveness of government and banking systems in combating it. While many comments express gratitude for raising awareness, frustration abounds regarding systemic failures and the perceived complicity of financial institutions. The public sentiment exhibits a mix of optimism for increased information sharing and skepticism towards victims, especially in high-profile cases involving retired bankers.

Government of India

Banks and Financial Institutions

Fraud Victims

Cybersecurity Organizations

Indian scammers will have direct access to everyone, don’t redeem the gift card!

alphagenome

Stupid take. You sound like a right wing nut from MAGA.

Vertigo3765

Man…. Im gonna delay getting my digital ID as much as possible. Possibly until I get the fuck of here. On top of worrying about spying from SL gov now we need to worry about the indian gov too. Wtf, if you wanna reduce crime and corruption this not the way….

privacynutcase

jason8foster

This post randomly came up on my feed and I’m an Indian, but I have no clue as to what kind of Digital ID my government is funding in Sri Lanka. Can someone please educate me more on this subject? I’m curious to know. Is it something like Aadhar that we have here or it’s something different?

AbideTheCold

How is your freedom of speech will be gone from a Digital ID? Do you have multiple fake IDs now?

I cannot wait for it to come, the times gov officers mistype my name and address will be finally gone. Not to mention the time saved by not typing all the info manually every time we visit a gov office.

SureElk6

Install truecaller and don't even pick up the calls that are flagged in red. This is what I do

sharedevaaste

Private companies selling/leaking data is a bigger issue, how do these fraudsters find such detailed personal information. There are dark web portals where not just private but government data is sold for cheap.

BannedForFactsAgain

I have deviced my own way to mitigate scams targeting me.   
1) I won't do anything that has urgency  
2) I won't look for any offer, voucher, discount code  
3) I won't do anything that needs to go to external website or a third party (even if authorised one, i so ducking done)  
4) I will only go to branch and get it done.  
5) I keep only bare minimum things in life.   
6) I use cash more than UPI  
7) I won't give my phone number anywhere no matter what.  
8) I've my own printer, so i won't go to xerox shop  
9) I have dummy phone and email id.  
10) I use different browsers for different things

Usual_Sir5304

Use Truecaller with unknown numbers blocked. Don't share your contact details with shops. Make a throwaway email id and use it for all useless work. Don't share your dob on social media. Change your password regularly and use two factor authentication. This is least anyone can do

[deleted]

Awareness and question/analyse everything

Optimal_Clue_6754

Hey man, ask the bank to share the signed documents. If you can prove you're out of the country at the time of execution. You're half way there.

NAL but this fraudlent practice of taking loan on somebodys other name is quite prevalent. Only FIR can save you. As soon as you land find a lawyer and discuss all legal remedies ...no way out through talks in here.

Icy_Plankton144

Bro, post in r/legaladviceindia
Might get some lawyers who will help you in a little low rate.

Inevitable_Snow_6464

How could someone take out a loan against a third party's name?! I don't get it. Someone please explain the loophole

akritori

Have experienced something extremely similar. Dm me and I can guide you.

Working-Mountain6680

Don't just hire a lawyer, hire a good lawyer.

webmaster1105

Sweaty-Ad-1210

Meanwhile, initiate a complaint of fraud to RBI Ombudsman providing details. RBI has powers to take appropriate action against banks involved in fraudulent activities. This is an online process.

tutten_gurren

Be careful of the dms looking to scam people like you.

Frequent_Positive_45

pluviophile777

You need to go back to India and deal with this

It’s quite common to take land and loans based on someone acting as you along with a thumbprint and bribe - they probably figure you are not coming back to India with your glamorous new life in Canada and you owe them

assman69x

FIR is best if you want to go that route with your uncle. Or Else if the bank is on the lines of HDFC Axis (big ones) write your whole case + correspondence details with them on LinkedIn. They take that more seriously these days.

Alpha_0523

I'm busy somewhere right now but DM me brief details. I might be of some help.

Edit: just bank part not recovery of 50l from uncle.😅

Professoron

File a police complaint against the bank for doing things without your permission. Police will give you a copy of the FIR. (First Information Report).

Get a lawyer, and with the FIR, send a lawyer's notice to the bank, asking for the money with interest and all travel expenses etc... failing which tell them you will take legal action.

The bank is responsible. Not your uncle. The bank has to reinburse you the amount given to your uncle, with intetest.

Once you send the lawyers notice, send a copy of the same to the bank's HQ in the state the bank is in.  Fear of court action will make all banks panic, and act swiftly.

Also: Read online about RBI Ombudsman.. the body that discipline banks and look into their misconducts.

Debunk2025

Unless you are a Canadian citizen you should stay back. If your uncle can dupe a bank he probably can get you arrested on false charges once you land here. Better stay back. Hire a lawyer in India and let him take it from there.

xhaka_noodles

I'm sorry, but there's no hope unless you want to get stuck in the loop of endless corruption and expensive lawyers who will only extort more money from you and not even give you correct information. I faced a financial fraud last year, amounting close to 8 Crore INR, and this was all that I had lost everything, but nothing could take me out of the legal loop. My credit score was 800+ constantly, and now it has dipped down to below 600 with overdue payments. Legal infrastructure in India is not supportive at all.

Bulldozer9X

As soon as you land, hire a lawyer and register a FIR, this is fraud and not allowed, and keeping a lawyer with yourself will ease out your process...

International_Buy_87

Mate,indian relatives are the poison that kills you slowly!

The shittiest &amp; most horrible humans on earth 

My dad’s brothers &amp; sisters don’t even want to refer as my family anymore duped my dad into selling one of our Agriculture farmhouse which we had in delhi ncr so that he could buy the ancestral home that was disputed among the brothers &amp; sisters after my grandfather died ,they promised him that will sell there shares to him for the fair amount &amp; even signed it on paper not official documents tho biggest mistake

They were so jealous &amp; full of venom that once the farmland got sold,they retracted &amp; said that the price my dad is offering is way too low

This happened back in 2014,11 years In present &amp; still the house is disputed and guess what the price of the farmhouse is close to 100 cr today! 

I want to do unspeakable things to them but I’m quiet &amp; helpless out of respect to my parents!

senormegalodon

Funny someone from canada scammed me of lakhs of rupees

will_it_matter

First of all you need to go physically to a bank to sign for housing loan agreement of thats on your name. I dod that for hdfc.

stusharranjan

something doesn't add up   
if it is a housing loan then the disbursement happens only  through online channels and you have to submit proof of construction. Once it is approved then only the amount is sent to the bank account which needs to be approved by the bank. 

Similar process for personal loan also, during document collection they ask for a cancelled cheque for the sole purpose of disbursing a loan.  


from the looks of your post you are more keen  and improve your cibil score(why would you be even worried about it if you are living and working in Canada) and to recover your 50L that you gave him rather than the loan amount which looks to me like you might be a co-applicant or co-borrower and are fully aware of what happened.

Inj3kt0r

Did you at any point in the past sign a power of attorney over to your uncle? Or is he capable of forging one? Do check that too.

tired_and_sleepy_09

I think complaining to the banking ombudsman and registering a FIR are a good starting point.

Important_Front9468

OP. You live and work in Canada and you have lost 8Cr in the past now you are crying about 5L just doesn’t make much sense. Pay the money to the layer and work a little harder where you are. There’s always a price to pay when you want things done on your behalf.

Curiasjoe1

I always freeze my accounts at the credit bureaus.  This way no one can get a loan in my name.

This happens a lot with NRIs. As you mentioned, what will happen with the legal process is, this would be stuck for years, and meanwhile the bank will keep harassing you. Also the property is probably not in your name, and raising claims to that would result in a futile battle. 

In India, the legal proceedings are designed in a way to run for years and years and it serves some purposes. But if you can back the value of 8 crores worth of damage, then you have a fighting chance.

People won't respond unless there's no impact. Indians respond to only three kinds of impact: financial, social and 

First, you would need a local orchestrator to do these things. And usually its not hard to find. Because what I am suggesting is somewhat procedural but impactful. Also the success of some of these depend upon the influence you have. If you hold word of power over some officials, it is faster. But what I sense that's not the case. 

1. Reconnaissance: gain as much information as you can without alerting them. Not them, not their immediate family and certainly do not tell this to your family for now. Your mom may have a soft corner. Its highly adviced to cut off contacts. Do know everything about him, his family, businesses, or anything you can. This is your preparatory phase. The fewer people know about this, the better it is. Remember, they are not your family anymore. 

2. After you have enough evidence, the counter attacks should begin. For anyone reading this and having any ethical qualms: there is a time to be fierce. The pain is painful enough and being family or relatives do not excuse fraud. For you, treat this as a war. Sure there would be pain on your side but that's happening anyways and its going to get even worse. What helps you is intensity and the element of surprise. You deploy your measures effectively in parallel at the same time, when they least expect it. Best points of time can be when they are starting a business, or are about to do something big. 

Now first things that can be done (as a lot depends upon the specifics) but if you have the loan on your name, you can own the property. Evict them and fill that place with tenants. Also a complaint under fraud sections BNS 316, 318, 336 and 61 (do get the numbering correct) and expand it to CAFC, FATF, indian consulate complaints that add them to international fraud list which effectively hamstrings them from most things. This automatically adds then to europol lists and if they are employees working anywhere, its going to hamper them a lot. 


You might experience pain and quite a number of times the money is not recovered. Make the best use of bad bargain, get the property(ies) and recover money, or atleast the asset. 


Again things depend upon the specifics. I have some astrological insights as to why this might be happening which I cannot share in this group, as this isn't the group for it. 

But its true, NRIs are cheated by their relatives more often than not. We don't need to be afraid. Just have our measures deployed.

ThreeQuarterCoder

Rbi will definitely help you

lodge a complaint to RBI

electric_pants69

You need to get a good lawyer and be prepared to pay the cops. This will be solved but will cost you.

Considering you have 1 cr involved, think of it as an investment. 

But yes 5L just to start seems too high. 

Come here, do your homework and get a reliable lawyer.  You don’t want to be fleeced by some unscrupulous lawyer

bhodrolok

alexab2609

Sent a complaint to bank grievance cell, board , etc. The manager and bank employees has to be face the heat.

mlarasa007

Make it public on twitter along with evidence. How can this be possible without involvement of the bank manager and other corrupt officers. They all got their cut from this. If anyone could get a loan on anyone's name than entire banking system would collapse. It's not possible without the involvement of bank staff. Take them all to court and let the public know who they are.

danny-singh286

Do not come to India. Spend the money you’d spend on tickets on a lawyer instead. 

File an FIR, approach the courts separately with documentation and proof that you weren’t in the country on those dates, and no POA has been granted to anyone. 

Only after that think of coming here. You do not know if he has issued a cheque claiming to be you, and whether there is any action under NI act etc. 

There is nothing you can personally do here - even if you come, primary action is thru a lawyer

Do_You_Remember_2020

Write an email to the internal ombudsman of the bank (Syndicate Bank is now merged with Canara Bank). Attached all evidence with the email, like CIBIL report, land record etc. State that you are the property owner and never applied for a loan.

List of Nodal Officers in here:
https://canarabank.com/UploadedFiles/Pdf/Nodal%20executives%20appointed%20under%20Banking%20Ombudsman%20(BO)%20Scheme.pdf

Find the one nearest to the branch.

If not resolved in 30 days, escalate to RBI Ombudsman alongwith evidence and email copy to bank nodal officer, here:

https://m.rbi.org.in//Scripts/Complaints.aspx

one_brown_jedi

Tweet the story on the banks twitter handle.

i-sapien

How the hell can a bank issue a loan on someone else's name ? What about kyc, cancelled cheque....

Did you send any email to the Bank first giving clarification that you never applied for any loan with them? Feel free to get in touch with us where we can guide you regarding some initial steps that you can take before taking the legal route. 

As far as the 50L that you loaned him, it is quite possible that you may never see it. And frankly if you are coming to India to face your uncle and parents to resolve this issue then we are afraid your parents especially your mother might blackmail you to give up since she might not want to spoil her relationship with your uncle's family. 

* To restore my credit score, sue the bank if possible - this is doable
* Recover my 50 L from him - may be

IndyGlobalNRI

liquidnitrogen

"I am at the verge of becoming homeless because of this."  
If that is the situation - then rephrase this question - "Is there a way i can do **something for this from Canada**?" - to - "I'll do whatever it takes to get it right".

kkkkkkk1818

Feel free to connect. Lawyer here dealing in such matters.

uselesspotatao

If you are visiting the bank, don't sign on anything.

They might sweet talk you into a compromise and ask you to sign  waiver / NOC or something. Best approach is to file a complaint with the Nodal Officer and simultaneously a FIR as soon as you land. Any compromise / settlement can be after that.

Old_Reserve9130

CAsushiCFA

u/hotchocolatetalks you could try to go to the press and out this bank! I am sure they'll be forced to follow up internally. Last year there was a similar case in India where an elderly NRI lady was duped by an ICICI Bank employee for single-digit crores and the press helped!

6ixmaverick

In India, banks follow paperwork diligently and wouldn't implicate you unless there are good legal reasons. There's no reason to assume that banks are implicating you, you are being presumptuous. You should also tell your uncle to keep a distance and stop meddling in financial affairs. Being a close relative doesn't entitle anyone to make financial decisions on other's behalf. Stop being panicky about this and do what you have to do to resolve this.

Solid_Story9420

Bro bank manager could be in cahoots with your mama..the loan grant is very suspicious..i have also taken loans for multiple reasons over time education and home...but every time my presence has been requested if only once or twice..

One-Wolverine-2855

Which place in India are you from ? Maybe I can help I'm a law student

Working-Gap433

DM us. Need to know more to advise you accordingly.

Matrixwala

The bank guy was probably in on it. I work at an nbfc. Most people have no idea the hoops we have to run through to approve any housing loan. Even 5 lakhs can get rejected for stupid sounding reasons. Even after it gets done, internal audits are constantly looking for a reason to drag us over the coals. Send complaints everywhere, file a police report if necessary. And make sure to send a customer grievance to the bank head office.

Womgi

You’re coming to India, be aware and cautious of being a victim of fake cases against yourself, you might loose your passport privileges to return back go Canada, have a record of whenever and wherever you go, people do not hesitate to fight dirty

SnipeX99

halfnelson73

You can file the RTI to the Bank from Canada itself. Please contact [RTIwala](https://cc.rti.link), they'll surely help.

sumt7

Sue the bank please. They'll reach out for an out of court settlement

Practical_Ant_9676

kammycoder

Bhai, file a detailed complaint with banking nodal officer showing all evidence, especially the fact that you were not even in the country at that time.  If that doesn't work, file a complaint with RBI ombudsman. Use ChatGPT or something for drafting. No need to hire lawyer, this will get it resolved.

mohityadavx

The bank employees clearly are complicit in the fraud. Send them an official mail requesting the documents which you allegedly signed. Send them reminder mails every week. After a month you will be eligible to complain to RBI. And boy does RBI take them for a trip when a customer complains. Start the complaint process and the trail from Canada ASAP so that you can take up the issue with RBI ASAP.

Emergency_Fact_6653

FIR and contact RBI. Since you’re away, you should be able to take this off your name.

CaptainDunphy

Where was the loan amount deposited? Was it paid to the builder directly? If so, is the house on your name? There are a lot of things in that banks need to verify. If you haven't signed anything and no amount got deposited to your account, why are you worrying? This would be a case of wrong entries on your CIBIL account. Visit the branch, ask for loan application, talk to nodal officers, raise complaints on RBI website, banking ombudsman. No need to even hire a lawyer. These banks can't do shit if you haven't signed. Stay strong. Not getting a loan in the future is the worst that can happen.

Dizzy-Basil5949

Wait. How is this possible. Did you give a POA to execute the documents? Did you provide any OTP when the loan account was being opened or during disbursal.  This has to be a massive fraud for them to pull off something like this. 

If I were you, I would try to see if I have any connect in this bank and try to get pressure from top officials. Of course, go with complaining to the nodal officer and the ombudsman. 

Regards
Adithya Ramesh

kingalex90

No PAN, no Aadhar and no bank account? 

This has nothing to do with you other than your name. 

Like - how on Earth can they prove anything?

No_Independent8195

Have faced educational fraud in 2018-2019 of 2 cr.but due to my studies and career ,my parents didnt go with FIR or anything I'm hopeless..that how will I bring that lost money of my parents savings

vanillacheesecake_7

SnooPears6118

use chatgpt to generate a legal notice, send to multiple people in the bank, if you have his email id, use linkedin and mail his bosses the same legal notice. the emails would be in the same formats. you should get them to a point where they should be reaching out to you. and record all conversations. 

[firstname.lastname@bank.com](mailto:firstname.lastname@bank.com)

Embarrassed_Look9200

I am sorry you are going through this. Property related frauds are common in India

Mission_Leopard_9521

I_am_myne

Finally, a high quality post!

Please post it on r/isthisascamindia if you haven't already.

DustyAsh69

A retired banker fell victim to a massive digital fraud, losing ₹23 crore, manipulated by scammers posing as law enforcement.

Digital Fraud in India

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