Removing a CIS registration is a dream come true for people dealing with such a registration. After all, for them it would mean a great deal of freedom. Freedom to get on with their lives again and open a bank account or apply for a mortgage, for example.
Unfortunately, removing a CIS registration is often very difficult. Difficult, but not impossible. We are happy to show you your options and how our lawyers may be able to help you get rid of your CIS registration.
Want to find out quickly what we can do for you? Then schedule your free, no-obligation consultation today.
Requesting an intake interviewCIS registration is an entry of your personal data in the database of Foundation CIS: the Central Information System. This is a database of data accessible to all affiliated insurers.
A CIS registration has existed since 1985 and was established by Achmea, Aegon, ASR and Nationale Nederlanden. With a CIS (Stichting Centraal Informatie Systeem) registration, you have:
These registrations can have several reasons. We list these reasons for you below. Next, we elaborate on CIS registration due to fraud.
A CIS registration can come about for a variety of reasons, including:
Of these possible CIS registrations, committing fraud has the most serious consequences. And this registration may come about sooner than you think. A relatively common form of insurance fraud, for example, is taking out car insurance and then claiming a pre-existing scratch. No matter how small the scratch: if the insurer finds out, you will face fraud registration.
How long it takes to remove a CIS registration varies by underlying reason:
So CIS registration takes a long time, especially in the case of fraud, and the consequences are far-reaching. This means that someone who made a mistake as an 18-year-old can still be punished for it at age 25.
In some cases, this is unreasonably long. Then it may be possible to challenge the CIS registration. But what consequences can such a registration have for you?
A CIS registration by itself - the entry of your personal data because of a filed claim - does not have an immediate impact. Only when it is a registration with one of the causes mentioned above does it have a greater impact.
Thus, a CIS registration with one of the above causes often results in insurance being difficult or impossible to obtain from a regular insurer. You then have to rely on specialist, often more expensive insurers.
A CIS registration for fraud has even more far-reaching consequences. In fact, this will also land you with an EVR registration: an entry in the External Referral Register, where cases of fraud are kept.
This - like the more widely known BKR registration - is transparent to lenders. A registration due to fraud will therefore also make it more difficult to apply for a mortgage, for example. And whereas a BKR registration remains for 5 years, a fraud registration remains visible for 8 years.
As in all cases where your personal data is collected or stored, you have the right to see the recorded data. In fact, you have the right to know exactly what data is involved, according to the AVG (the General Data Protection Regulation).
This means that you can always request access to what information about you is contained in the CIS database.
Requesting a registration is easily done through the Foundation CIS website.
Retrieval can be done through three different ways:
Challenging a CIS registration can help you get rid of the registration sooner than the usual period of so 8 years in the case of fraud.
Especially when such a registration interferes with your further life, for example, because you cannot get a mortgage, so it makes sense to ask whether challenging the CIS registration makes sense in your case.
You always request your registration first as we described above. After that, there are three paths you can take:
In the latter case, an experienced lawyer will assist you through the entire process, from better understanding your CIS registration to challenging it. This not only gives you more confidence, but also increases your chances of success.
In fact, our lawyers work every day to remove BKR registration and CIS registrations from people just like you, who want to get on with their lives. The experience and network we have built over the years helps us maximize the chances of successfully removing, correcting or challenging your registration.
Find out completely free of obligation how we can help you and schedule your free consultation today.
