The registration of payday loans
The Banker maintains a central register of all Loan obligations in the Netherlands. This includes, for example, the registration of payday loans, revolving Loans, Loan cards and mobile phone subscriptions. This information is recorded in a file, the Central Loan Information System (CLI). The Banker information from CLI helps participants to consider whether it is justified to provide a Loan or mobile subscription.
Requires to request information from a borrower
Responsible for you and for themselves. In this way, Banker helps prevent you from borrowing more than you can pay off. On the other hand, Banker contributes to limiting financial risks for lenders. Lenders, such as banks, are required to request information from a borrower at the Banker. If the loan has been granted, the lender will report this to the Banker. He must also report any payment arrears to the Banker. This data is only removed from the central register if the lender gives the Banker instructions for this. Terminated loans remain visible in the Banker database for another five years. You have the right to view your own data, the ‘right of access’. You can request your data from any bank in the Netherlands, even if you are not a customer here. If you want to view your data, you will have to identify yourself personally, so it is not possible to view other people. Requesting your data from a bank works as follows:
- Every bank in the Netherlands has the consumer brochure ‘What does Banker do for me?’ An application form is attached to this brochure with which you can request your details. You complete this application form.
- You hand over the completed form to the bank employee and identify yourself with a valid proof of identity.
- You pay the employee € 4.50. These are the costs for making an inspection.
- The bank sends the completed application form to Banker. Normally you will receive the requested overview within five working days at the specified home address.