Is anyone using your NIB. What to do? – News Minute to

Tips are for citizens whose NIB is being misused by third parties.

Two days ago the Renaissance Radio reported the case of a woman who, when looking at your bank statement, you realize that I was paying for expenses that were not his. All because someone gave your NIB to a creditor company.

This is an easy problem to be achieved since, since August 2014, contracts are exclusively entered into between the client and the provider a service. The financial institution does not interfere in the process.

Thus, a person of bad faith can easily sign a contract, for example with a television operator, and give a NIB that is not yours, allowing in this way payment by direct debit. The creditor entity has no way to confirm whether a NIB belongs or not to the person who signed the document.

But what to do when these situations knocking at the door? The Business Journal said.

A direct debit He was deducted from your account with which you do not agree? But know that has two months to ask, with the banking institution concerned, the repayment of this amount.

In the case of an unauthorized direct debit, customers have a period of 13 months requiring the bank reimburse the discounted cash improperly.

“The application for rectification is not limited to 13 months in cases where the payment service provider does not comply with the information requirements that are required,” explained the Bank of Portugal to Business.

Finally, know that you can tell your bank that does not permit any direct debit or so, you can create lists of entities that are or are not authorized to deduct a monthly fee from your bank account, and you can also determine a threshold amount for charges made by direct debit.