Costs, offers and safety
Financing scams and document safety
Learn how to verify contacts and protect your information.
Verify the contact and purpose before sharing documents or making a payment. Never give another person your banking password, PIN or OTP—even if they claim it is needed for approval.
Pause at these warning signs
- Guaranteed approval or a promise to remove accurate credit records without a clear legitimate process.
- Pressure to pay quickly, unexplained “release” payments, or a recipient that does not match the written explanation.
- Requests to alter payslips, use fake documents, install unknown apps or let someone control your banking session.
- A logo, caller ID, social profile or secure-connection padlock used as the only proof of identity. These do not independently establish that a contact is genuine.
Verify through a separate route
Use contact details you find yourself on the official website, your bank card or an established verified channel—not just a number supplied in the suspicious message. Ask who the organisation is, what service is being provided and why the document or payment is required.
SunLiTe provides consultation and referral, not lender approval. Initial consultation is free; any paid service requires agreed scope and fees. No one should need your login password or OTP to provide that consultation.
Fictional example
Fictional example: someone sends a bank logo and asks for an OTP to “unlock” financing. Do not send it. Contact the bank independently. By contrast, entering your own verification code on the authentic official service during a process you initiated is different from telling it to a caller.
A document request can be legitimate, but still deserves verification. Confirm the recipient, purpose and secure channel. Keep required financial evidence readable; cover identifiers that are unnecessary for the agreed task. Do not send documents to Edu or public comments.
What to do next
If no money has moved, stop the suspicious interaction and check through official channels. Do not approve an unexpected banking prompt. Preserve messages without forwarding sensitive details publicly.
If money was transferred or an unauthorised transaction occurred, contact your bank’s emergency hotline or NSRC 997 immediately. If 997 cannot be reached, call the bank; do not wait for SunLiTe. Follow official guidance on a police report and keep transaction evidence. Recovery is not guaranteed.
If credentials were exposed, tell your bank promptly and follow its security instructions. SunLiTe can help explain ordinary document handling, but is not the emergency fraud-response service.