As of 1 June of the following year, banks will be required to closely verify whether the individual applying for credit has secured his PESEL number. It is simply a precautionary measurement to prevent the granting of credit to persons who have decided to reserve their population registration number. Agnieszka Wachnicka, Vice president of the Union of Polish Banks, emphasises that granting credit to a individual who has already secured his PESEL will entail the inability to prosecute any claims against that individual in the future. These are the key provisions contained in the Act, which make it possible to reserve PESEL.
It should be noted that this fresh regulation is intended to have a decisive impact on the lending process. Not only will banks not be able to grant credit, but they will besides be limited in selling claims related to specified cases. Wachnicka emphasises that specified government aims to defend those who have taken steps to defend their individual data from possible abuse.
However, this is only 1 side of the medal. There is besides a request to focus on the long-term impact of specified collateral. What consequences will arise from the deficiency of credit to the individual who reserved his PESEL number? Can this affect the financial flexibility or creditworthiness of the individual in the future? These and akin questions may form the starting point for an in-depth discussion on the impact of these changes on the functioning of the financial strategy and on the regular lives of citizens.
ZBP: if you reserve the PESEL number, the bank should not grant the loan
The provisions concerning the reservation of the PESEL number were introduced in consequence to the increasing phenomenon of identity theft. The bill, although already in force, will have its effects only from 2024. People are already busy visiting offices to safe their data. As a result, banks will gotta check whether the client has a reserved PESEL number – this is intended to prevent the usage of stolen data for e.g. borrowing.
This verification will be mandatory and may affect various aspects of banking, e.g. the payment of larger amounts in banking establishments. If number PESEL is reserved, the client will not be able to pay in 1 day amounts exceeding 3 times the minimum wage. This action is intended to defend those victims of fraud, specified as the "granddaughter" method.
In addition, a reservation PESEL it will affect the conclusion of fresh banking contracts, or even payment services, loans or leasing. Banks will gotta refuse to enter into a contract if the client has a reserved PESEL number. However, it is possible to conclude the contract straight after the reservation of the PESEL number has been revoked.
The reservation and cancellation of the PESEL claim can be made utilizing mCitizen app, which will facilitate the process for customers who want to rapidly safe their data from visiting the bank. It is worth noting that the fresh rules will mainly apply to recently concluded contracts, but any changes to existing agreements, leading to increased debt, will besides require a review of the PESEL reservation.
In practice, this means that contracts concluded before the end of June 2024 will be subject to the current rules, unless their change involves an increase in debt.
Ignacy Michałowski
OSINT investigator with experience in global journalism projects. It has been publishing materials for over 20 years for the largest releases. In social activities he engaged in various projects and initiatives aimed at improving the quality of life of people, especially those of mediocre communities. He was besides active in the fight for human rights. Contact: kontakt@legaartis.pl
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Poles applied to the offices to registry PESEL. Now they may not get credit:
