When you are suspected of fraud by a bank or insurer, this can lead to registration in the External Referral Register (EVR). This register is managed by the CIS Foundation (Central Information System) and is accessible to almost all financial institutions in the Netherlands. An EVR registration can have major consequences: you cannot take out new insurances, loans or mortgages are refused, and even existing contracts can be cancelled.

At Arslan Lawyers, we assist clients who have been unjustly or heavily registered and we help in removing an EVR registration.

What is an EVR registration?

The EVR is designed to combat fraud and abuse in the financial sector. If a bank or insurer suspects that you have committed fraud, they can decide to register you in this external referral register. Other financial institutions see this at a test and will almost always refuse you.

An EVR registration usually lasts 8 years, unless it is removed in the meantime.

When can an EVR registration be imposed?

A financial institution cannot simply proceed to registration. According to established case law and the Code of Conduct for Personal Data Processing Financial Institutions, strict conditions apply:

1. There must be a grounded suspicion of fraud.

2. There must be sufficient evidence that the fraud has taken place.

3. The registration must be a proportional measure (weighing your interests against those of the financial sector).

If these conditions are not met, the registration is unjust and can be removed.

Consequences of an EVR registration

An EVR registration has far-reaching consequences:

• You are refused when applying for insurance.

• Mortgages, loans and even payment accounts may be refused.

• Current contracts can be terminated.

• You will be faced with financial exclusion, sometimes even with implications for your work.

How can you have an EVR registration removed?

Removing an EVR registration can be done in several ways:

1. Objection at the financial institution
   You can make a written objection and request reconsideration. This is often the first step.

2. Complaint at Kifid
   If the institution refuses to remove the registration, you can go to the Complaints Institution Financial Services (Kifid).

3. Procedure in court
   In the end, the judge can decide that the registration must be removed, for example, because there is insufficient evidence or because the measure is disproportionate.

The role of a lawyer

An EVR registration is legally complex. Institutions have specialized departments that legally substantiate their positions. Without professional help, it is almost impossible to undo a registration.

Our lawyers help you with:

• Requesting and analyzing the file at the financial institution.

• Checking whether the registration is justified and proportional.

• Submitting a well-substantiated objection or complaint at Kifid.

• Conducting a procedure at the court if necessary.

Free legal assistance in damage cases

When you suffer damage due to an unjust EVR registration (for example because you cannot get a mortgage), it may be possible to recover the costs of legal assistance from the institution. We always discuss the possibilities in advance so you know where you stand.

Why Arslan Lawyers?

• Extensive experience with EVR cases and financial disputes

• Specialized in fraud and registration law

• Thorough approach with eye for detail

• Maximum chance of removal of your registration