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Remove EVR registration? Here's all you need to know

Written on June 5, 2023 by Drs. Vera van der Vliet
  • Lawyer

Removing an EVR registration is possible. But of course this varies from case to case. We are happy to assess whether it makes sense in your case to challenge the registration.

This page introduces you to this form of registration. We also show why the (premature) removal of an EVR registration is often possible. Should you be faced with this registration, it is important to know what this means for you and whether you can challenge this registration.

Read our successful case on removing an EVR registration here!

Watch the clip EditieNL on EVR registrations

An EVR registration remains on the CIS registry for eight years. Are you suffering from this registration? Then request a no-obligation intake to find out if we can have it removed for you.

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Vera van der Vliet
  • Lawyer from the banking industry with extensive financial knowledge
  • Has successfully assisted hundreds of people
Nadine Edelschaap
  • Has positively resolved hundreds of cases
  • Creative lawyer who thinks 'out of the box'
Björn de Haan
  • Has over 8 years of experience with BKR procedures
  • Start only lawsuits
Nurettin Kocak
  • Has gained great respect within the legal services industry
  • A decisive and no-nonsense lawyer
Jan Doeke Biesheuvel
  • Has resolved hundreds of cases without court intervention
  • Substantively a very strong lawyer
Lisa van Gulik
  • Has successfully represented hundreds of clients
  • Start lawsuits and proceedings at the Kifid
Deepak Thakoerdien
  • 11 years of litigation experience against the financial industry
  • The Netherlands' best-known BKR expert
Menno de Boorder
  • Does only the court cases
  • Wins by far the most cases
Tine Notenboom
  • Specializing in litigation
  • Does only the complex cases
Mirjosa de Sanders
  • Legal assistant with 5 years of experience within Dynamite
  • Helps you complete your file
Berry van Ockenburg
  • Naturally disagrees with everything, including registrations
Eva Hukshorn
  • Creates a strategic plan to keep your case on track
Sharona Budhai
Michael de Zwart
Marcel Boot
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EVR registration as an eight-year financial prison

In a great interview in the NRC, our own Vera van der Vliet described an EVR registration as a financial prison. The following is an excerpt from the interview in question.

"The EVR is a financial prison," says lawyer Vera van der Vliet. She works at Dynamiet Netherlands, a company that helps people challenge their inclusion in the registry with banks, Kifid or courts. "Banks have the power to lock people up financially, to punish them. And that doesn't always happen in a fair way."

"You almost always end up in that EVR registry for eight years. That is not nearly always commensurate with what happened," Van der Vliet observes. "One person engages in money laundering as a criminal, another fills out a question on a form incorrectly."

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What is an EVR registration?

Whereas almost everyone has to deal with the phenomenon of BKR registration at some point, fortunately most people will never face an EVR registration.

In fact, many people have often never even heard of EVR registrations. Yet it is one of the most important and high-risk registrations that occur in a registry.

An EVR registration represents a registration in the External Referral Register, a part of the EVA (External Referral Application) maintained by the BKR. In this system, fraud registrations are collected so that other lenders can see them. We also distinguish the Internal Referral Register (IVR).

The difference between an IVR and an EVR registration makes clear why removal of an EVR registration may be desirable .

Dynamite Netherlands discussion

Removing an EVR registration is difficult, but not impossible

Obviously, it is better to prevent an EVR registration than to cure it. Have you unexpectedly encountered a fraud registration and are curious about your options? Then it may be encouraging to know that challenging and removing an EVR registration is sometimes possible.

This is because a lender is not allowed to register you just like that. After all, the purpose of the register is not to turn people's lives upside down, but to tackle fraud. Even lenders must therefore - fortunately - meet many strict requirements when registering in the EVR.

There are also cases where the eight-year period is simply far too long. Finally, it may also be the case that although an IVR registration was rightly established, it should no longer be maintained.

This is how an EVR registration comes about

So an EVR registration can have quite far-reaching consequences and you would rather not end up in this file. Precisely because removing an EVR registration is incredibly difficult in most cases.

By understanding how an EVR registration comes about, so to speak, you are extra armed against this type of registration.

An EVR registration usually comes about when you apply for financing. When you apply for financing, you will be asked to provide certain documents. A pay stub, employer's statement or bank statement, for example.

The lender uses these documents to determine whether or not to extend the credit to you.

What many people do not realize is that the contents of the documents are checked by the lender. For example, they may call your employer or the bank from which you sent the statement.

During this check, the lender may conclude that you have provided incorrect documents. The bank statement may contain incorrect information, or the employer's statement appears to be from a company where you are not (or no longer) employed. The lender will then usually register you directly in the EVR.

This by no means always means that there was actually fraudulent intent. After all, a mistake is easily made. Unfortunately, in practice the lender often ignores this, with the result that as a fraudster you end up on the aforementioned - and so dreaded - blacklist.

Therefore, the best way to avoid EVR registration is to always pay very close attention to what documents you submit and whether they are completely accurate.

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Q&A

What are the consequences of an EVR registration?

What is the difference with IVR registration?

What is an SFH registration?

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