Unheard of! Dead relative gets a loan, he got it when he was in a wheelchair

2026-04-30 21:33:00, Aktualitet CNA

A suspected case of financial fraud was reported in Vlora, when citizen Elibjanka Shkopi was informed in 2026 that her late husband, Fatmir Shkopi, had received a loan in 2021, even though he was seriously ill with diabetes, blinded and paralyzed, and had passed away in 2023.

According to her, in 2021, her husband's sister had her wallet stolen, which also contained the deceased's identification documents. After reporting the incident, the family was provided with new documents and thought the case was closed.

But a law firm in Tirana notified the family about a loan of 800,000 old lek, taken to buy an appliance at a store in Fier. The documentation shows clear discrepancies: the identity card has the same number, but the paternity is listed as “Kamber” instead of “Elham”, while the phone number does not belong to the family.

The financial institution claims that the loan was granted after the person physically appeared and was identified at the store by their partners. Representatives of the financial institution suggest that the family pay only the remaining principal, forgiving interest and penalties. A person named “Daniel” is also mentioned, who is introduced as the borrower’s son, but the family does not know such a person.

Financial institution : We have the ID of the gentleman who identified himself at the store. So your father's ID in the system. The gentleman went to the store.

Citizen : No! The ID card is gone, not the gentleman! The gentleman is not gone. I am taking my neighbor's card and I am coming to buy a washing machine at the store. Can I buy it?

Financial institution : No! You can't buy it, because the employee at the store will identify you as a partner with us.

Citizen : Well, how did he do this?

Financial institution : Yes, in this case we currently have the ID of the gentleman who was identified by the partner. So the gentleman presented himself with his ID. As far as we know, in this information we have, it is the mobile phone.

Citizen : What should be done in this case?

Financial institution : Now, in this case, since the client has passed away, since we have the certificate, only the remaining principal is paid. So I propose that the client pay only the remaining principal. All interest, penalties, commissions are waived.

Citizen : Even though it is considered fraud?

Financial institution : In this case both… At this point we are giving you your information, I am giving you my information. So we have not come to a conclusion. Do you know a person named Daniel? He is introduced as a boy. Do you have a brother, a sister?

Citizen : It has nothing to do with it!

Financial institution : When a client applies for a loan, I don't ask for a personal certificate to prove paternity. Do you understand me? I ask for an ID. So I declare that my father's name is Astrit, I'm saying it in vain, it's my responsibility.

On the other hand, the family encountered difficulties in obtaining complete loan documentation without a prosecutor's order and filed a police report.

Employee : This document you are requesting is only obtained by order of the prosecutor's office. I can't submit it, I don't have access to it. You have to make a request requesting this type of document. There is a fee, actually. I don't know in your case, but for clients who request this document, there is a fee, to obtain a copy of the contract.

Citizen : Do I have to pay to get a copy of the contract?

Employee : Yes! But I have to ask if I can request information about your case, since you are not the client. I have to send it as a procedure to verify and confirm that the client has indeed passed away and this is a claim from the family, which could also be a fraud./tvklan