REMEDIES IF YOU ARE A VICTIM OF FRAUD

If you have been a victim of online fraud, please immediately report the same to us at customersupport@creditenable.com.

Under Indian Law, a victim of online fraud such as those discussed above can seek recourse through the provisions of the Indian Penal Code, 1860 (“IPC”) and the Information Technology Act, 2000 (“IT Act”).

Provisions under the IPC

  1. In India, for an act to be considered as an offence of cheating under Section 415 of the IPC, it must be shown that the fraudster has dishonestly or fraudulently induced you to transfer to the fraudster any money or property. It may also be cheating if the fraudster dishonestly or fraudulently makes you do anything which you would have otherwise not done. For a crime under Section 415 of the IPC, the fraudster may be punished with imprisonment for a term which may extend to one year, or with fine, or with both.
  2. Impersonation is recognized as a serious crime in India. Under Section 416 of the IPC, it is a criminal act to cheat an individual by knowingly representing yourself to be any other person than who you actually are. For a crime under Section 415 of the IPC, the fraudster may be punished with imprisonment for a term which may extend to one year, or with fine, or with both.

Provisions of the IT Act

  1. Given the technological advancements, imposters now target victims through mobile devices or computers. However, Section 66D of the IT Act grants victims the remedy to file a complaint against any individual who through the means of any communication device or computer resource commits the crime of cheating by personation. The punishment for such a crime is imprisonment of either description for a term which may extend to three years or fine which may extend to rupees One Lakh or both.
  2. The IT Act being mindful of crimes such as phishing through Section 66C penalizes identity theft. A fraudster may commit identity theft, by fraudulently or dishonestly making use of your electronic signature, password or any other unique identification feature. The punishment for the crime of identity theft is imprisonment of either description for a term which may extend to three years or fine which may extend to rupees One Lakh or both.

How to register a Complaint?

  1. If you have been a victim of online fraud you must file a complaint with the Adjudicating Officer in the following manner:
  2. PROFORMA FOR COMPLAINT TO ADJUDICATING OFFICER

    UNDER INFORMATION TECHNOLOGY ACT – 2000

    1. Name of the Complainant

      E-mail address
      Telephone No.
      Address for correspondence
      Digital Signature Certificate, if any

    2. Name of the Respondent

      E-mail address
      Telephone No.
      Address for correspondence
      Digital Signature Certificate, if any

    3. Damages claimed

      Fee deposited

      Demand Draft No.____________dated __________Branch__________

    4. Complaint under Section/Rule/Direction/Order et
    5. Time of Contravention
    6. Place of Contravention
    7. Cause of action
    8. Brief facts of the case

You may also file a FIR in the relevant police station or a complaint can be lodged on the National Cyber Crime Reporting Portal available at https://cybercrime.gov.in/Webform/crmcondi.aspx. This portal allows victims of cybercrimes such as mobile crimes, online and social media crimes, online financial frauds, ransomware, hacking, cryptocurrency crimes and online cyber trafficking etc. to file complaints on the portal.

Please note that any offers / benefits / content / instructions presented through misleading communication by individuals impersonating CreditEnable, do not represent those of the company and are contrary to our company policy. If any such entity fraudulently representing CreditEnable approach you, please refrain from responding to them and do not pay any fee / charges / payment to them. CreditEnable will not accept any liability for the actions of customers on spoofed mails / communication.