The husband stole his wife's BankID ID and took out two loans for a total of 800. NOK. This was not the first time of its kind in this marriage - in the past, the spouse had taken out loans that he would not pay back. As a result, their common house was almost auctioned off.
It started in 2013
The first disturbing signal for my wife was the situation in 2013. Then her husband took out loans which he did not pay back. There was almost an auction of their joint property. From then on, the wife controlled the couple's finances. It was successful until 2015.
Two loans in 2015
The unruly husband again took out two consumer loans without his partner knowing. In 2015, he stole her BankID and then incurred liabilities to Komplett Bank AS for 400. NOK and in Norwegian AS for 390 thousand. NOK. He transferred all the funds to his account, but he did not intend to pay them back. As a result, the woman received two requests for payment - Komplett Bank AS issued a reminder in 2016, while Norwegian AS only in 2017.
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Court and divorce
After the first call in 2016, the woman realized that her husband had stolen her BankID. She reported this fact, and her husband was punished for identity theft and financial fraud with a total of one year in prison. At the same time, the couple also divorced.
Initially, the banks tried to recover their receivables from the man. Pretty soon it turned out that he had no property. Consequently, their claims were made against the woman who was spouse in the year the loans were taken out. As a result of the non-payment of installments, she had to pay receivables amounting to a total of approximately XNUMX million Norwegian kroner.
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Loans must pay off
The case went to the court of the district court in Oslo. The final ruling was not positive for the woman, as it turned out that she had to pay off her husband's loans. Such a decision was made despite the fact that full and uncontrolled access to BankID by household members does not automatically mean negligence on the part of the ID owner. In this case, however, a few were found to be neglected on the part of the woman.
She should be guarding the ID
First of all, the court noted that the husband already had a history of fraud in 2013. Bearing this in mind, a woman should ensure the protection of her ID in a special way. Thus, the court ordered her to pay off all the loans she had taken.
BankID is an important document
In the justification of the judgment, the district court in Oslo also stated that BankID is a very important personal document. It allows you to perform activities in many financial areas, incl. it allows you to pay bills, take loans, make money transfers, buy and sell stocks, etc. This is why ensuring protection against uncontrolled access is so important.
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It was also emphasized that performing all operations with BankID requires the knowledge of the personal number and access to a code generator. You should also know the personal access password. For both loans, the man had access to these three elements, so it was concluded that the woman had improperly protected her ID.
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