Due to the urgent need for money, my mobile phone received a message of "unsecured loan", and as a result, ...

Not long ago, Mr Geng from Zhaodong City, Heilongjiang Province rushed to the local bank. He was anxious to tell the bank staff that he had a loan card on the online banking large transfer platform.

But the bank staff told him that he had never heard of such a platform, and it was even more impossible for his loan to get stuck on it. After hearing this situation, Mr. Geng was shocked. Has he been cheated? He immediately reported the case to the police.

Victim Mr. Geng: Start your own business. Later, the turnover was not working and the goods were much heavier. I want to turn around and borrow some money.

Mr Geng told the police that just as he was worried about poor cash flow, an advertisement message popped up on his mobile phone caught his attention.

Victim Mr. Geng: It's an advertisement for an ID card unsecured loan. The other party said that only ID cards are needed, and nothing else is needed.

At first, Mr. Geng was dubious about this advertisement. In order to dispel Mr. Geng's concerns, the customer service sent him the company's business license and other information through QQ.

Sui, the captain of the Sixth Brigade of the Criminal Investigation Detachment of the Public Security Bureau of Suihua City, Heilongjiang Province: Some qualifications, business licenses and other related procedures of this company have been passed on to the victims. When the victim saw it, he thought the company was very formal and agreed to the loan.

So, Mr. Geng sent his identity information and bank card to the customer service and told him to apply for a loan of 50 thousand yuan. Soon, the customer service replied to Mr. Geng, telling him that the loan he applied for had been approved and sending him a contract.

Victim Mr. Geng: It's an electronic contract. The other party said that it would be fine to type it out at the local printing agency, sign it and take a photo of him.

After signing the contract and sending it back, the customer service told Mr. Geng that someone would contact him by phone soon to dock the specific matters of the loan.

Soon, an account manager surnamed Chen got through to Mr. Geng. At this time, Mr. Geng discovered that handling this loan is not as simple as the customer service said.

Victim Mr. Geng: The other party said to pay a deposit of 2,000 yuan to ensure timely repayment. After paying back the money, 2000 yuan returned the same way.

Manager Chen transferred the deposit of 2000 yuan to the other party's account and told Mr. Geng that an hour later, the loan arrived, but less than an hour later, Mr. Geng's phone rang again.

Victim Mr. Geng: In less than an hour, the other party called again and said that the running water in the bank was not enough, so it was necessary to brush the running water. Let me put the money into their company's finances first, and then I can lend money. Call him 6000 yuan for the first time.

Due to Mr. Geng's poor turnover, he couldn't come up with 6000 yuan at the moment, but thinking that the loan would come down soon, he borrowed 6000 yuan from a friend and remitted it. After remitting the 6000 yuan, Mr. Geng thought that the loan should be all right, but unexpectedly, the phone rang again.

Victim Mr. Geng: The other party said that the running water has reached the 60% achievement card, and it still needs to brush 40% before the next payment, and it still needs to pay 9000 yuan to brush it.

Hearing this situation, Mr. Geng was very anxious. In desperation, he had to borrow money from his friends again and remit it. After a while, Manager Chen told him that the tap water had been brushed enough. Hearing this sentence, Mr. Geng's hanging heart was put down.

Victim Mr. Geng: He sent me a screenshot of 100% running water and told me to wait, and I will definitely arrive in half an hour. He also said that 15000 yuan of running water would be returned to me together.

However, after waiting for several hours, the loan still hasn't arrived. This time, Mr. Geng, who was in a hurry, took the initiative to call Manager Chen.

Victim Mr. Geng: The other party said that the loan had been approved, but it was stuck in the banking system, that is, a large sum of money was transferred in the online banking and could not be transferred to my bank card.

This situation surprised Mr. Geng very much, because he often had a lot of money in his bank card before, and this problem never happened. Then manager Chen proposed a solution, which surprised Mr Geng even more.

Mr. Geng, the victim: He said that the card was really stuck and needed to inject some more funds to activate it. After activation, the money will arrive directly. This time it needs 12000 yuan. At this moment, I feel wrong.

After checking with the bank, Mr Geng found himself cheated. At this time, he has remitted 17000 yuan to the suspect, most of which was borrowed by him. In order to help Mr. Geng recover the loss, the police first traced the money flow of the cheated 17000 yuan.

Sui: I found this 17000 yuan. About three minutes after receiving the account, a liar operated the pos machine and swiped the second-class bank card. Through the secondary bank card, it will be transferred to the tertiary card, the fourth card and the fifth card one after another. The whole process is very fast, that is, about ten minutes.

In the follow-up investigation, the police found that Mr. Geng's 17000 yuan was cashed out in a short time after layers of transfer.

Darren Liu, a policeman from the Sixth Brigade of Criminal Investigation Detachment of Suihua Public Security Bureau, Heilongjiang Province: Finally, he withdrew his cash in Luoda Town, Menghai County, Yunnan Province. Then I sent a group of people to Rhoda Bank to retrieve the relevant videos, and also retrieved the relevant information of the bank card. I found that the identity information of the cashier is the same as that of the bank card, and finally I got the real identity information of a cashier.

Police investigations revealed that the suspect who withdrew the money was surnamed Chen, a native of Putian City, Fujian Province. Subsequently, the police launched a further investigation on Chen Mou.

Sui Chenbing, the captain of the Sixth Brigade of the Criminal Investigation Detachment of Suihua City Public Security Bureau: Through the bank card he used and the withdrawal time, he checked all the recent upward expansion he could find and found that he withdrew money from the ATM of this banking institution more than once. He has done this many times. In this way, the whole track of his exit will be found out.

Later, the police conducted a more in-depth investigation on Chen Mou's activities, but the results showed that Chen Mou was probably hiding abroad.

Sui Chenbing, the captain of the Sixth Brigade of the Criminal Investigation Detachment of Suihua City Public Security Bureau: I didn't find that he had hotel accommodation, hotel accommodation and renting a house in China, and then the driving direction after each payment was to go to Myanmar. At that time, some people suspected that at least he didn't live in China. He fled the country after collecting money and then went to Myanmar.

The police found out that the criminal chain closed the net at home and abroad.

As the telephone number and QQ number defrauded by Mr Geng have been shut down, the police will focus on a large number of similar series and parallel cases nationwide. In the end, the police found that the foothold of the case was not in Yunnan Province, but in Mengla City, Myanmar.

With the assistance of the Myanmar police, the police quickly grasped the dens and personnel composition of the gang abroad. However, in view of the characteristics of this case, the police did not immediately close the net, but decided to investigate the case further.

Zhang Guohui, director of the Public Security Bureau of Zhaodong City, Heilongjiang Province: This fraud gang is different from previous fraud gangs. In the past, fraud gangs used the telephone to make active contact. This fraud gang pretends to be a regular company mainly by selling advertisements, which makes it easy for people in urgent need of loans to be deceived.

Subsequently, the police launched an investigation around the false advertisements involved in the case and found that these false advertisements spread on the Internet were not published by overseas dens, but by someone else.

Darren Liu, a policeman of the Sixth Brigade of Criminal Investigation Detachment of Suihua Public Security Bureau, Heilongjiang Province: There is a special false advertising promotion den to provide false advertising promotion for these fraud dens and earn high advertising fees.

Sui, the captain of the Sixth Brigade of the Criminal Investigation Detachment of Suihua City Public Security Bureau, Heilongjiang Province: The dens that provide false advertisements should be in Shanghang County, Longyan, Fujian Province, and then find an accurate residence dedicated to publishing false advertisements through a lot of work. There should be six or seven of them. It is very likely that they will not only promote some dens in Myanmar, but also promote other fraud dens at home or abroad.

At the same time, through in-depth investigation, the police also locked the criminal suspect who provided the gang with tools such as bank cards.

Darren Liu, a policeman from the Sixth Brigade of Criminal Investigation Detachment of Suihua Public Security Bureau, Heilongjiang Province: The person in charge of this den will receive a courier every day. By analyzing the courier he received, it was determined that it should be his fraudulent bank card. Through the follow-up investigation of the courier information, he found the Guangxi guest who mailed the fake courier bank card for him.

After four months of careful investigation, the police finally found out the whole criminal chain of this gang, and the time is ripe to close the net. Subsequently, the police sent a number of arrest teams and overseas working groups abroad to prepare for closing the net.

With the assistance of the Myanmar police, the overseas network closing operation was carried out simultaneously with the domestic network closing operation. In this centralized network-closing operation, 23 suspects, including cash withdrawal, advertising promotion and selling bank cards, were all brought to justice.

At present, all the suspects captured abroad have been escorted back to China. Through interrogation and investigation, the police have verified more than 200 cases. In response to this police reminder, we must raise our awareness of prevention and prevent being deceived.