Recently, there has been an increase in serious complaints from citizens in the “Potrebitel.uz” community. Some people report being registered as guarantors for loans of individuals they do not know at all, discovering this only after money has been deducted from their accounts.
The most alarming aspect is that in such cases, people have not visited the bank in person, signed any contracts, or given their consent. Yet, it turns out they are supposedly listed as guarantors for someone else's loan. In other words, a person becomes “linked” to a financial obligation without their knowledge. This is no joke — when your pocket is affected, any “technical error” is felt quite painfully.
If you notice that you have been illegally registered as a guarantor or that money has been deducted from your account for a foreign loan, you must first send an official request to the bank. You should demand a copy of the guarantee agreement. If the contract does not contain your real signature or if the signature has been forged, this is considered a direct violation of the law.
The second important step is to file a complaint with the Central Bank. Practice shows that in some cases, contacting the Central Bank via their virtual reception or hotline is more effective than long conversations with bank managers. When an official complaint reaches a regulatory body, the bank is forced to take the situation more seriously.
The third step is to file a report with law enforcement agencies. If your data has been used without permission or your signature has been forged on documents, this may be treated as a criminal matter. A report filed with the Internal Affairs Department will also serve as important evidence when recovering the deducted funds.
It is also useful to check if you have been added as a guarantor for someone else's loan. This can be done through the KATM (Credit Bureau) application via a paid request. Such a check might seem like an unnecessary expense, but sometimes a small fee helps identify a major problem in advance.
Lawyers emphasize that a guarantee obligation for someone else's loan has no legal force without the citizen's personal consent and genuine signature. If a person has not seen or signed the contract and was not present at the bank, the guarantee issued in their name must be strictly investigated.
Such situations may arise due to fraud by the borrower, illegal use of personal data, or the irresponsibility or even collusion of bank employees. Therefore, a citizen should not sit back and think “it will resolve itself.” In financial matters, silence can sometimes be interpreted as consent.
The best approach is to demand documents, file an official complaint, contact law enforcement, and check your credit history. Because a small sum deducted today for a stranger's loan can turn into a bigger problem tomorrow.
In short, if unexplained money is deducted from your account, act immediately. Money does not return on its own, and banks do not always say “sorry, it was a mistake” right away. If you know your rights and demand them through official channels, the chances of resolving the situation in your favor are much higher.
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