In Zoetermeer, Netherlands, insurance fraud is a growing concern, with many residents unknowingly or unwillingly falling victim to deceitful practices. But what happens when you're falsely accused of insurance fraud? For those in Zoetermeer, understanding how long a fraud registration stays on record is crucial, and this article aims to provide clarity on this pressing issue.
How Long Does a Fraud Registration Remain on Record?A registration in the External Reference Register (EVR) or other fraud registers has a maximum retention period. However, the impact can persist for years. It is essential to understand your rights.
Statutory Retention Periods
The retention periods are as follows:
External Reference Register (EVR):- Maximum of 8 years
- Term starts on the date of registration
- Can be shorter depending on the severity
- Maximum of 8 years
- Internal registration of individual insurer
- Depends on the type of registration
- Cancellation: maximum of 5 years
- Fraud report: maximum of 8 years
Factors Influencing the Retention Period
The actual retention period depends on:
- The severity of the fraud
- The amount of damage
- Whether there was a repeat offense
- Any criminal conviction
- Your behavior after discovery
Early Removal
In certain cases, earlier removal is possible:
- If the registration is incorrect or incomplete
- If the grounds for registration no longer exist
- In cases of disproportionate hardship
- After a successful objection or lawsuit
After the Retention Period Has Expired
Once the retention period has expired:
- The registration is automatically removed
- Insurers are no longer allowed to use the data
- You can verify that removal has taken place
- You start with a clean slate