Zhejiang Online Hangzhou September 11th (Zhejiang Online reporter Jia Xiaowen correspondent Pang Zhenyu Cheng Jianxi Li Wensheng Jing)"You have a loan amount of 8,000 yuan that has not been withdrawn. Click Register and it will arrive in seconds." "Urgent need of money? Zero threshold, zero interest, and quick arrival. " If you open this spam message with a web page link, it is not a "caring person" who needs money urgently, but a "cash loan" platform with an annual interest rate of more than 1500%.
The reporter learned from the Hangzhou Public Security Bureau today that since July, Hangzhou police have smashed eight criminal gangs of "cash loans" and arrested more than 300 criminals, including more than 140 criminal compulsory measures, shut down more than APP60 "cash loans" and frozen more than 76 million yuan of funds and assets involved. These deceptive routines of "cash loans" were also exposed by the police today.
After the loan is successful, "it is difficult to refund"
In mid-July this year, the investigation by Shangcheng police found that a network technology company in Hangzhou, headed by two brothers Zhu, put on the "coat" of a legitimate company, promoted by telephone and online, and deliberately concealed deductions such as audit fees and platform management fees from the victims, taking advantage of the victims’ eagerness to borrow money and not carefully reading the contract, and induced them to borrow money from multiple involved apps.
Although the loan amount is only 3,000 yuan, when the victim wants to make a refund after receiving the money, the company either refuses to answer the phone, refuses to refund on the grounds that the contract is signed, or delays it on the grounds that the refund procedure takes time; If the customer insists on a refund, he will have to pay back more than 200 yuan on the basis of returning the principal, and he will have to pay 100 yuan more for an extra day. In a short repayment period of 21 days, the amount of repayment required by the victim is as high as 1.6 times of the actual loan funds.
Borrow 1500 and deduct 450 "service fee"
"Golden Teacup", "Living Loan" and "Blue Gem" … … On July 29th, Gongshu Branch destroyed these "cash loan" platforms in one fell swoop, successfully ending a "cash loan" criminal industrial chain. In this criminal industrial chain, from the technology company that develops APP to the promotion company, to the collection company that collects users, everything is available.
When the victim clicks on the SMS and downloads the APP, and provides personal information data such as portrait, address book and bank card for registration, it is discovered that the real loan amount is only 1,500 yuan. Although it claims that the interest is 0, 450 yuan service charge is required, which shows that the actual amount received is 1050 yuan, and it needs to be repaid 1500 yuan after 7 days … … This nominal service fee is actually as high as 30% of the "beheading interest", and the annual interest is as high as 1500%.
Mobile phone address book becomes collateral
In March of this year, Lin’ an police found that nearly 10,000 people in the country transferred money to Li and others. The police believe that Li and others are suspected of major crimes involving the implementation of online "routing loans".
After investigation, since August 2018, these people have been engaged in full-time lending in the name of private lending, supported by the "cash loan" platform, and illegally profited by signing double IOUs, arbitrarily determining breach of contract to collect liquidated damages, and receiving repayment without tearing IOUs.
The reporter learned that many "cash loan" platforms need to upload the mobile phone address book when registering. In order to get back the loan funds, criminal gangs use insults, threats to "expose the address book" and other means to harass the victims and their relatives and friends, and even send PS insulting pictures and other means to urge them.
The Hangzhou police reminded that the general public should further enhance their legal awareness and self-protection awareness, choose formal financial institutions with loan qualifications to make loans, accurately assess individual repayment ability, and lend rationally. Don’t trust all kinds of unsecured interest-free loan advertising information released by individuals and companies without financial qualifications. If you encounter illegal and criminal violations that meet the characteristics of the above-mentioned "routine loan", you should save the corresponding evidence as much as possible and call the police in time to help the public security organs collect fixed evidence and crack down on it according to law.
关于作者