A micro loan issued using a passport photo and an SMS sent to someone else's number has been declared illegal by the Supreme Court. The lenders were required to verify that the loan was issued by the owner of the personal data. The resident of Novosibirsk did not admit a debt of 74 thousand rubles to collectors - according to his version, the loan was taken by fraudsters using a photo of his passport, the code was sent to someone else's number, and the money went to another card, approved by the telecom operator and the bank. The lower courts sided with the collectors, but the Supreme Court overturned their decisions and sent the case for a retrial, pointing out that passport data and photos do not indicate that the agreement was signed by their owners.

A micro loan issued using a passport photo and an SMS sent to someone else's number has been declared illegal by the Supreme Court. The lenders were required to verify that the loan was issued by the owner of the personal data. The resident of Novosibirsk did not admit a debt of 74 thousand rubles to collectors - according to his version, the loan was taken by fraudsters using a photo of his passport, the code was sent to someone else's number, and the money went to another card, approved by the telecom operator and the bank. The lower courts sided with the collectors, but the Supreme Court overturned their decisions and sent the case for a retrial, pointing out that passport data and photos do not indicate that the agreement was signed by their owners.