The Kyivstar SIM card was compromised, and the husband was charged a loan of 63,750 hryvnias: how did the court decide?

A client of Kyivstar had his phone compromised, and later he discovered that he had a loan obligation in the amount of 63,750 hryvnias

A man’s mobile phone with a SIM card was hacked Kyivstar and he was forced to restore the number. In addition, he found out about the issued loan, which resulted in a debt in the amount of 63,750 hryvnias. This is stated in the decision of the Novokodatsky District Court of the city of Dnipro, published on January 30, 2026.

On August 2, 2021, a credit contract was concluded in electronic form between Miloan LLC and the husband. According to the terms of the factoring agreement dated 07/16/2024, “Miloan” LLC transferred, and “European Debt Recovery Agency” LLC accepted the right to a monetary claim under the credit agreement dated 08/02/2021 in the amount of 63,750 hryvnias. On January 6, 2026, the court received a response to the lawsuit, in which the citizen asked to dismiss the lawsuit, arguing that he did not electronically sign and conclude the credit agreement dated August 2, 2021 with Miolan LLC, and did not receive an electronic signature or an electronic digital signature. No evidence was included in the case file that directly or indirectly proves that the electronic signature (or identifier) ​​belongs to him, no evidence was provided: that the person was properly identified during registration in the system of the financial institution (for example, through BankID, no photo of identification documents was provided, entry of personal data corresponding to the passport). Neither the bank details nor the details of the card account to which the funds were to be transferred were specified in the credit agreement. A payment order that does not contain established details of the payer and recipient, such as information about banks, current accounts, etc., by which it would be possible to understand to which details the funds were transferred. On August 2, 2021, attackers hacked his mobile phone, gained access to the Diya service, where they learned all his information. On the same day, he turned to the nearest branch of JSC “PUMB” bank to block the card, but the bank employee reported that money in the amount of 5 thousand hryvnias had already been transferred from his account to another account that did not belong to him. He was also informed that when he tried to transfer another 10 thousand hryvnias, the bank blocked his accounts. On August 3, 2021, he went to the “Kyivstar” salon, where he renewed his number and linked it to his passport data. On August 3, 2021, he wrote a statement to JSC “PUMB” regarding the unblocking of the account for illegal withdrawal of funds in the amount of 5 thousand hryvnias. On August 4, 2021, he recorded the fact that the password to his e-mail address had been changed. After renewing his password, he found in his “inbox” an agreement with FC “ARAGON” on issuing a loan in his name in the amount of 15,000 hryvnias. On August 5, 2021, he discovered in the Diya service parameters that he is connected to another device that does not belong to him. Also, on this day, e-mails began to arrive from various credit organizations confirming the granting of loans. From 08/08/2021, calls and letters began to be received from credit companies (FC Credit-Capital, LLC Ukr Credit Finance, LLC FC KIT, MILOAN, Instant Lending Service, LLC FC Aragon) demanding the return of loans received in his name. On August 24, 2021, based on his application, data were entered into the Unified Register of Pretrial Investigations on the commission of a criminal offense with preliminary qualification under Art. 185 part 1 of the Criminal Code of Ukraine. Therefore, the above-mentioned circumstances confirm the fact that the European Debt Recovery Agency Financial Company LLC does not have civil relations with him due to the fact that he did not draw up any contracts with the plaintiff.

What was the court’s decision? The court rejected the claim of the European Debt Recovery Agency Financial Company LLC. The copies of the credit agreement and the factoring agreement attached to the statement of claim do not indicate that the husband received credit funds.

“The reference to the calculation of the debt under the mentioned credit agreement as a basis for meeting the claims is unfounded, since the calculation of the debt itself is an internal document of the plaintiff’s financial organization and does not contain information that would give the court the opportunity to check whether the funds were actually transferred to the borrower on credit, information about the flow of funds and the calculation of interest. In connection with the plaintiff’s failure to prove the fact of the transfer of credit funds in order to prove the fulfillment of the conditions of the aforementioned credit agreement, as well as the actual use of credit funds by the defendant (the movement of funds on the borrower’s personal account), there are no grounds for collection of debt under the credit agreement in favor of the plaintiff, and therefore the claim cannot be satisfied,” the court emphasized.