Residents of Zoetermeer can fall victim to phishing and online fraud. Your bank usually reimburses the damage, but not in all cases. Prevention is crucial for your financial security in our municipality.
What is Phishing?
Phishing is a form of fraud where criminals in Zoetermeer and surrounding areas try to steal your personal data through:
- Fake emails resembling messages from your bank or the Tax Authorities
- Fake phone calls with urgent requests
- Fake websites mimicking official sites
- Fake SMS messages (smishing) about package delivery or payments
How to Recognize Phishing?
Be alert for these warning signs in messages you receive:
- An unexpected message demanding urgent action
- A request to log in to an account or provide personal information
- A sender or link that doesn't add up, such as a suspicious email address
- Errors in language, grammar, or formatting that don't look professional
What to Do If You Are a Victim in Zoetermeer?
- Immediately contact your bank to block transactions
- Change all your passwords and enable two-factor authentication
- File a police report at the Zoetermeer police station or via the regional police station
- Report the fraud to Fraudehelpdesk.nl and consider seeking advice from Het Juridisch Loket Zoetermeer for legal support
Bank Reimbursement of Damage
In the Netherlands, including Zoetermeer, the bank reimburses fraud damage under the law, except if you:
- Have shown gross negligence, such as ignoring warnings
- Have disclosed your PIN code, passwords, or other codes to third parties
- Have been warned multiple times by the bank but took no action
For specific cases, you can go to the District Court of Zoetermeer if a dispute arises with the bank.
Fraud via Fake Online Shops
If you make a bad purchase at a fake webshop in Zoetermeer:
- For credit card payments: Request a chargeback from your credit card company
- For iDEAL payments: This is more complex; involve your bank and try for a reversal
- Always file a police report and report it to the Municipality of Zoetermeer for local prevention efforts
Het Juridisch Loket Zoetermeer offers free advice to protect your rights.
Veelgestelde vragen
Wat is mijn retourrecht?
Bij online aankopen heb je 14 dagen retourrecht zonder opgaaf van reden, tenzij de wettelijke uitzonderingen gelden.
Hoe lang geldt de wettelijke garantie?
Goederen moeten minimaal 2 jaar meewerken. Defecten die binnen 6 maanden ontstaan worden verondersteld al aanwezig te zijn.
Kan ik rente eisen over schulden?
Ja, je kunt wettelijke rente eisen (momenteel ongeveer 8% per jaar) over het openstaande bedrag.
Wat kan ik doen tegen oneerlijke handelspraktijken?
Je kunt klacht indienen bij de consumentenbond, de overheid of naar de rechter gaan.
Wat is een kredietovereenkomst?
Een kredietovereenkomst regelt hoe je geld leent, wat de rente is, en hoe je dit terugbetaalt.