How safe is our DATA? somebody used my number as ref to take loan.

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flawlessking
Hi, Got the below msg on WhatsApp stating someone has used my mobile number as reference to get the loan. The company is asking me to call him and ask him to get in touch with them and damn I really don't know the guy smile...wondering how safe is our data...



Hello, This is regarding "jxxx Raj* he has taken loan of Rs. 1,xxxxxx/- with us at Spheeti Fintech Pvt Ltd Currently he has Defaulted the loan & has shared your Mobile no. as Refrence No. Kindly Ask him to get back to us to avoid any legal Action further. We have his 6 Signed Cheques & Un-dated cheques, Hope you aware about Section 138 in case of cheques being deposited & Reputation at same Time. His Registered Mobile No.9xxxxxxxxx. Regards Spheeti Fintech Pvt Ltd https://spheetifintec...m/



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Benevolent Benevolent
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Tell them of F off. Dont worry.
Analyst Analyst
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Just ignore it. It may be a fake one too. Beside grammatical mistakes, the word 'reference' has spelling mistake.

Generous Generous
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Honeyyyyy1 wrote:

our data isn't safe.I remember one time, my neighbourhood shopkeeper  (who I don't even talk to) had taken a loan from a public sector bank and didn't submit the emi, then I got a call directly from the bank about it. I asked them,where did you get my number? They told they have it from their bank records(mapped by address given),it means they know your and if needed, can get your padosi ka number from their records(if you both have an account with them)...and I am still confused sometimes, how the hell it happened that out of nowhere I am getting loan recovery calls on behalf of my neighbour sweat_smile

Wow, now add to it

-Many people take loans in the name of their wife..

-My padosi...

-recovery calls...

-Love thai neighbor...😘

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Deal Newbie Deal Newbie
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our data isn't safe.I remember one time, my neighbourhood shopkeeper  (who I don't even talk to) had taken a loan from a public sector bank and didn't submit the emi, then I got a call directly from the bank about it. I asked them,where did you get my number? They told they have it from their bank records(mapped by address given),it means they know your and if needed, can get your padosi ka number from their records(if you both have an account with them)...and I am still confused sometimes, how the hell it happened that out of nowhere I am getting loan recovery calls on behalf of my neighbour sweat_smile

Generous Generous
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Honeyyyyy1 wrote:

our data isn't safe.I remember one time, my neighbourhood shopkeeper  (who I don't even talk to) had taken a loan from a public sector bank and didn't submit the emi, then I got a call directly from the bank about it. I asked them,where did you get my number? They told they have it from their bank records(mapped by address given),it means they know your and if needed, can get your padosi ka number from their records(if you both have an account with them)...and I am still confused sometimes, how the hell it happened that out of nowhere I am getting loan recovery calls on behalf of my neighbour sweat_smile

Wow, now add to it

-Many people take loans in the name of their wife..

-My padosi...

-recovery calls...

-Love thai neighbor...😘

Cool Cool
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Very serious concern.

Nothing is safe online. 

Analyst Analyst
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Just ignore it. It may be a fake one too. Beside grammatical mistakes, the word 'reference' has spelling mistake.

Helpful Helpful
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Section 138.. of what?

Benevolent Benevolent
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Tell them of F off. Dont worry.
Deal Cadet Deal Cadet
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saurabh1 wrote:

Section 138.. of what?

Jamtara Cyber Fraud Act 
Deal Subedar Deal Subedar
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saurabh1 wrote:

Section 138.. of what?

Negotiable Instruments Act, 1881

Helpful Helpful
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superchamp05 wrote:

Negotiable Instruments Act, 1881

Still the OP has got no liability.

Deal Subedar Deal Subedar
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saurabh1 wrote:

Still the OP has got no liability.

Yes, he isn't a guarantor for the loan.

Entertainer Entertainer
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Phone aaye toh gaana gaana start kar dena 

Hosss jab tak hai jaan, jaane jahaan main naa chungi 🤣 naa chungi 😂

Critic Critic
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UniqueDimer wrote:

Just ignore it. It may be a fake one too. Beside grammatical mistakes, the word 'reference' has spelling mistake.

Company is real RBI registered NBFC though.


NBFCsandARCs10012023.PDF (rbi.org.in)

image

Right click on image & open in new tab & if still low resolution then change "medium" to "original" in link url in address bar of browser & reload the tab.

Helpful Helpful
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demerius2020 wrote:

Wow, now add to it

-Many people take loans in the name of their wife..

-My padosi...

-recovery calls...

-Love thai neighbor...😘

Thai neighbour?

uske liye to locality bhi Dilli ki dhundni padegi. Itna asaani se nai milegi

Finance Mentor Finance Mentor
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Seems like fake sms. Too many punctuation and grammatical errors. 

Just ignore. Don't do anything foolish like calling or messaging them or clicking on any link.

If "they" call you up, ask them to send official ID card and detail of loan on letterhead of company and to meet you in nearest police station 

Finance Mentor Finance Mentor
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raman12 wrote:

Thai neighbour?

uske liye to locality bhi Dilli ki dhundni padegi. Itna asaani se nai milegi

Milta hai. All massage parlours nowadays got Thai भाईchara 

Helpful Helpful
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Ramta_Jogi wrote:

Milta hai. All massage parlours nowadays got Thai भाईchara 

Jogiji kafi experienced lagte hain grin
Generous Generous
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raman12 wrote:

Thai neighbour?

uske liye to locality bhi Dilli ki dhundni padegi. Itna asaani se nai milegi

*thigh
Finance Mentor Finance Mentor
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raman12 wrote:
Jogiji kafi experienced lagte hain grin

Regular massage se India "extra services" की taraf ek lambi chhalang lagane laga

Deal Cadet Deal Cadet
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Honeyyyyy1 wrote:

our data isn't safe.I remember one time, my neighbourhood shopkeeper  (who I don't even talk to) had taken a loan from a public sector bank and didn't submit the emi, then I got a call directly from the bank about it. I asked them,where did you get my number? They told they have it from their bank records(mapped by address given),it means they know your and if needed, can get your padosi ka number from their records(if you both have an account with them)...and I am still confused sometimes, how the hell it happened that out of nowhere I am getting loan recovery calls on behalf of my neighbour sweat_smile

Your neighbour must have filled your number in form

Generous Generous
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Getting a message on WhatsApp instead of a prior telephone call or an sms, is an indicator enough, that it's fake and fraudulent.

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