Four signals that settle it on their own
Some requests never come from a legitimate operation. If any of these happen, end the call:
- Asking for a password or a one-time code (OTP)
- Asking for your card details or PIN
- Asking you to transfer to a personal account in an individual's name
- Promising to delete a genuine default from your record for a fee
Urgency is a pressure tool
'Transfer within the hour or else…' isn't a legitimate practice — it's a technique to stop you verifying. A legitimate operation lets you check and call back.
Always verify it yourself
Don't use the number that called you. Hang up, then call the company's published official number or go in through its app. A fraudster can't intercept a call you start.
You're also entitled to know the creditor's name, the department, a callback number and the employee's name — and to be told the call is recorded.
Contacting your family or employer is a breach
Nobody may contact your family, neighbours or employer about your debt, or visit your home or workplace. If it happens, that isn't just bad behaviour — it's a regulatory breach you can complain about.
General guidance, not personal advice. These articles explain how things generally work. They aren't financial or legal advice for your specific situation, and Ebra can't advise you on debts it isn't handling.
