A financial scam in Shanghai is circling money crazily. What is the current situation?

Recently, the Shanghai police received an alarm call from a Mr. Yan, saying that he had been kidnapped at home for many days and jumped off the building to escape while the gang was asleep that day. After investigation, the police found that there was a loan trap designed for one year!

Because the so-called loan is just a cover, the core purpose is to illegally embezzle the victim's property!

The man was kidnapped at home and jumped off the building to escape for help.

Not long ago, the Shanghai police received an alarm call. Mr. Yan, the policeman, said that he was kidnapped at home for several days and found an opportunity to jump off the building and escape that day.

The police rushed to the scene according to the address provided by Mr. Yan. After investigation, the police found that this was not an ordinary kidnapping case, and there was a loan trap designed for one year. ?

The police at the police station immediately rushed to the incident area and met the victim, Mr. Yan. ? The victim, Mr. Yan, said that these people were his former creditors. They came to me and slept on it. But I haven't slept for several days. They took care of me and wouldn't let me sleep.

On the same day, Mr. Yan jumped from his home on the second floor while he was sleeping. According to the clues provided by Mr. Yan, the police arrested several suspicious men in the corridor and community of Mr. Yan's home.

Wang Zhen, director of Lingyun Road Police Station of Xuhui Branch of Shanghai Public Security Bureau, said that after the arrest, the gang was taken to the office for investigation. After investigation, it was found that the case was not only kidnapping, but also some so-called debt violations.

After combing, the police gradually restored the cause of the incident. A year ago, Mr. Yan received a phone call to promote microfinance. At that time, Mr. Yan, who was short of money, began to contact the so-called loan intermediary, intending to borrow 50 thousand yuan, but was told by the loan intermediary that he had to sign a loan contract of 80 thousand yuan to get 50 thousand yuan.

In fact, after Mr. Yan signed such a inflated loan contract, loan intermediaries and microfinance companies took 7,000 yuan from 50,000 yuan in the name of agency fees and travel expenses. After Mr. Yan, he only got 43,000 yuan.

Two months after getting the loan, a group of people suddenly came to Mr. Yan's house and threatened him to pay back the money.

Wang Zhen, director of Lingyun Road Police Station of Xuhui Branch of Shanghai Public Security Bureau, said that after Mr. Yan couldn't come up with the money, the gang made another routine to force Mr. Yan to write an IOU. It means that it doesn't matter if you can't get the money now, you have to pay it back sooner or later, but you have to write me an iou and I have a guarantee. It is in this form that they repeatedly ask the victims to write IOUs. ?

Mr. Yan signed a loan contract with a debt of 1.8 million yuan under the constant harassment and threat of debt collectors at home. At this time, the loan intermediary who first contacted Mr. Yan appeared again. ?

Wang Zhen, director of Lingyun Road Police Station of Xuhui Branch of Shanghai Public Security Bureau, said that these people let Mr. Yan use the house as collateral. ?

20 1 1 16 10. In October, Mr. Yan mortgaged his own property with a market value of about 2.48 million yuan to a microfinance company at a price of10.6 million yuan. After RMB 6,543.8+0.6 million arrived in Mr. Yan's account, the people of the microfinance company immediately took away RMB 6,543.8+0.45 million in cash. Only Mr. Yan is 654.38+0.5 million. ?

The victim, Mr. Yan, said that the gang meant that money was just a formality in the bank.

Seeing that Mr. Yan is nearly 600 years old and lives alone, the appetite of debt collectors is growing, and he tries to force him to sign another loan contract of 1.8 million yuan by illegally detaining Mr. Yan.

After receiving the alarm, the police arrested 22 suspects, of whom 14 was arrested on suspicion of fraud, illegal detention and extortion, and the case is still under further investigation.

This loan is just a cover for a "regular loan" for real estate.

According to the statistics of Shanghai police, it is not a case that Mr. Yan encounters a loan trap. In first-tier cities, even a house of forty or fifty square meters costs at least two or three million yuan. Some people focus on people who have real estate in their hands and need money badly but have poor repayment ability.

Interlocking, step by step, borrowing money to collect interest is just an empty shell. The core is to achieve the purpose of illegally embezzling the victim's property. This kind of loan fraud is called "routine loan" by the police. ?

Two years ago, Mr. Lu was addicted to gambling machines and needed 200 thousand. He found a small loan company online, and the other party said that he could lend money on the same day. After Mr. Lu called, the salesman of the small loan company met him and said that he could lend him money, but the condition was that Mr. Lu would mortgage the property to them. In addition, to borrow 200,000 yuan, he has to sign a debt and loan contract of 500,000 yuan. At that time, Mr. Lu also said that he could sign such a double loan contract.

The victim, Mr. Lu, said that the loan company asked to mortgage the house to them, but this house is the property of my wife and I after marriage, and I only have 50% property rights. They think that if I can't pay 200,000 yuan, even if I find my family, I can only pay 6,543,800 yuan, not 200,000 yuan. And that is to say, if you don't return it, you have to go through some legal procedures. He still has expenses, let me write 500 thousand. ?

In order to get the money as soon as possible, according to the requirements of the microfinance company, Mr. Lu gave all his ID cards, real estate licenses, household registration books, marriage certificates and other documents to the other party, wrote an iou for borrowing 500,000 yuan, signed a mortgage contract for real estate loans and a power of attorney for real estate sales, and the people of the microfinance company also took Mr. Lu to the notary office to notarize the mortgage contract for real estate loans and the power of attorney for real estate sales. After completing these procedures, the so-called manager of the microfinance company took Mr. Lu to the bank to transfer money. ?

The victim, Mr. Lu, said that the manager transferred 500,000 yuan from his bank card to mine. I took out 500 thousand from my bank card, and then I gave him 300 thousand privately. This is 200,000, and that is 200,000. Then, from this 200,000 yuan, I also paid interest money 1 0,000 yuan and notary fee 1 0,000 yuan. ?

When the interest was repaid in the second month, the manager of the loan company told Mr. Lu that he could not transfer money by bank card, but only face-to-face cash transactions. After the two sides meet, let Mr. Lu write another 500 thousand IOU. ?

The victim, Mr. Lu, said that the manager said that the company had to sign IOUs every month, especially in the first three months. You have to sign it every month, and then you don't have to sign it later. Then he said that if you don't sign, you have to pay back the money.

Mr. Lu had to write down another loan of 500 thousand. A month later, he wrote an IOU of 500,000 yuan again. As a result, in the hands of microfinance companies, Mr. Lu's accumulated arrears have reached 6,543,800 yuan+0.5 million yuan. Later, Mr. Lu proposed to pay back 654.38+10,000 yuan first. The other party said that 6.5438+10,000 yuan is not enough, and it is necessary to pay 200,000 yuan in one lump sum. ?

The victim, Mr. Lu, said that the manager asked me to transfer the house, and then I went to the bank for a loan. If I borrowed a little more, I could pay back the money. Because I was in a hurry to pay back the money and didn't want my family to know, I agreed to this operation method. ?

The market value of a house under the name of Mr. Lu is about 2.5 million yuan. The microfinance company paid 400,000 yuan in advance to repay Mr. Lu's commercial mortgage, and then transferred the house to a buyer named Gu, who was found by the microfinance company.

After all this is completed, Mr. Lu believes that according to the previous "agreement" between the two parties, the house can be transferred back to its own name. As time went by, Mr. Lu, who was in a hurry, found the original manager of the loan company, but at this time the tone of the other party changed. ?

The victim, Mr. Lu, said that he actually didn't want to borrow that loan from me later. Because I talked to him several times later, and then he meant that you had to wait for the landlord (buyer) and you had to talk to him. ?

Mr. Lu repeatedly contacted the next family involved in the transfer of real estate, and the other party deliberately avoided seeing it. At this time, Mr. Lu realized that things were not good. Mr. Lu actually borrowed less than 200 thousand, plus 400 thousand mortgage repayment. The microfinance company actually spent less than 600,000 yuan to transfer the property worth 2.5 million yuan under Mr. Lu's name. ?

Shanghai Putuo police connected a number of clues to report the case and arrested many suspects, including Xu, who was suspected of fraud. The public security organs have verified that the gang has committed 24 similar fraud cases, involving about 54 million yuan. 13 major criminal suspects were all transferred to the procuratorate for review and prosecution for alleged fraud. ?

The purpose of "routine loan" is to deeply occupy real estate.

On the surface, "routine loan" is a private loan, but in fact, criminal suspects engaged in "routine loan" have a set of relatively strict steps from how to choose the right victim, how to sign a contract, how to ensure that they can obtain favorable evidence in future legal proceedings, and how to gradually occupy the victim's real estate. ?

In these cases, when the victims found the so-called small loan companies, they were attracted by the so-called unsecured loans, fast loans and other convenient conditions. When the criminal suspect is in contact with the victim, he often pays no attention to the borrower's repayment ability and personal credit. The first step they asked was whether they had any real estate in Shanghai.

Zhou Hengfeng, deputy head of the law enforcement case team of Dongxin Road Police Station of Shanghai Putuo Public Security Bureau, said that the core problem is that you must have a house before they can give you the money. Their ultimate goal is to occupy your house. ?

After confirming that the borrower owns the property, the criminal suspect agreed to lend it. When signing the loan contract, the criminal suspect began to write articles on the contract. The amount in the loan contract is much larger than the actual loan amount of the borrower. If borrowers ask questions, they will often be told that this is a company regulation and industry rule. The criminal suspect transferred the inflated loan amount to the borrower's bank account, forming evidence that "the bank flow is consistent with the loan contract", but asked the borrower to withdraw cash immediately and return the excess on the spot. Through this step, a chain of evidence is formed, which puts on a seemingly legal coat for inflated loans. ?

Zhao Hongliang, an investigator of the Major Crimes Team of the Criminal Investigation Detachment of Putuo Branch of Shanghai Public Security Bureau, said that these loan companies even asked the victims to take money to take photos and let them write down the amount they had received on the running list, that is, they took this evidence to court for prosecution, and the victims had no chance of winning. ?

When the borrower's loan amount reaches a certain level, the criminal suspect will try his best to trick the borrower into signing a real estate mortgage contract, so as to "ease" the repayment pressure. When signing a real estate mortgage loan contract, the suspect will also let the borrower sign a large number of blank contracts. These contracts cover all aspects of real estate transaction transfer. ?

Zhao Hongliang, an investigator of the Major Crimes Unit of the Criminal Investigation Detachment of the Putuo Branch of the Shanghai Public Security Bureau, said that the so-called contract was only signed by the victim himself, and everything else was blank. In other words, after these things are signed, the suspect will follow up and supplement all other contents of this contract according to his own situation and requirements. ?

This is a blank power of attorney signed by the borrower, and the entrusted matters, whether it is the sale or transfer of real estate, are filled out by the criminal suspect himself.

Zhou Hengfeng, deputy head of the law enforcement case team of Dongxin Road Police Station of Putuo Public Security Bureau in Shanghai, said that he might transfer your house to a transaction because he had a full authorization when borrowing money. Then transfer these houses to other suspects. ?

Not only that, the criminal suspect will also take the victim to the notary office to notarize the real estate mortgage loan contract, giving the real estate mortgage contract enforcement effect. Once the borrower is unable to repay the loan, the lender may apply to the court for enforcement.

When these preparations were completed, the suspects began to use various opportunities to accumulate the borrowers' loans. When the borrower can't repay the loan at maturity, the criminal suspect often proposes to find a so-called third-party accounting company or a so-called powerful person to package and transfer the previous creditor's rights to a third party. This process is called bookkeeping.

Shanghai smashed hundreds of "routine loan" gangs.

Over the past year, Shanghai public security organs have organized and launched a special campaign to crack down on illegal profits and crimes in the name of lending. Up to now, public security organs at all levels have destroyed more than 0/00 "routine loan" gangs and arrested more than 340 people.

It is worth noting that there may be loopholes in notarization in these conventional loan cases. At present, notary offices at all levels in Shanghai have suspended the notarization of private lending.