Things to do if your wallet goes M.I.A.!

One of our worst nightmare is losing a wallet with all the identification docs, plastic money and of course cash in it! We have to be truly lucky to retrieve the wallet with all the items in it like PAN, Driver’s license, and credit/debit cards. Even if the actual cash is missing, we still go ahead and thank our stars, guardian angels and all the possible deities that come in our head at that point.

However, what happens if we aren’t that lucky and we actually have lost our wallet or had it stolen? What do we do then?  Here are a few things that you can do to make your life a little easier once your wallet has gone MIA.

File an FIR

Even though you might think why to get into the matters of police but this will help just in case someone tries to swipe your credit or debit card and rack up a bill or empty your account. You will receive a report stating that your wallet is lost or has been stolen and the following things were in it. This will also prevent you from any identity thief or fraud.

Block your credit and debit cards

When you call the customer service department to block the cards, give them the following information to the best of your knowledge. It is always advisable to keep an image of everything you carry in your wallet on your phone/laptop/tablet. When you make the call they will ask for your account number or the card number.

• The date and approximate time of the incident
• The transaction you did on those cards
• FIR number (if you’ve already filed an FIR)

Check with them to see if any transactions have appeared on your cards ever since the incident and apply for replacement.

Apply for all the identification documents that were there in the wallet.

Driver’s license – Visit the RTO in your jurisdiction and fill out an ‘intimation of loss or mutilation’ form and submit it with the FIR copy and a notary paper stating that you’ve lost the license.

PAN card – Log on to https://tin.tin.nsdl.com/pan/correctiondsc.html and follow the guidelines.

Aadhar Card – Keep your Aadhar card number handy for this. You can log on to the link to apply for a duplicate Aadhar card — https://eaadhaar.uidai.gov.in/

However, if do not remember the number, do not fret. This link will help you identify your Aadhar number with your personal details — https://resident.uidai.gov.in/find-uid-eid

Check your CIBIL score

Though this step is not mandatory, it is always a good idea to request for a CIBIL score after at least 30 days of the incident to check that no harm is done to your credit record due to this loss. You can request for the score on this link — https://www.cibil.com

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