Zero down payment, car fraud

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740,000 cars have to pay 6.5438+0.3 million. Zhejiang cracked the "zero down payment car purchase" fraud case.

Can I buy a Land Rover Range Rover with zero down payment? Such a beautiful thing is actually a big trap carefully designed by scammers, which makes the victims bear huge mortgages. Recently, Tiantai County Public Security Bureau (Zhejiang) cracked a "zero down payment car purchase" fraud case involving dozens of car buyers. After more than a year of investigation and evidence collection, the case was finally found out. At present, it has been transferred for prosecution.

Gaining profit without working for it

Set up an automobile trading company

201212 In February, Luo found friends Wang, Jin, An and Hua to set up Tiantai Friend Automobile Trading Co., Ltd., mainly engaged in car loan business. At the beginning of its establishment, Luo promised to be a car with a basic salary of more than 500,000 yuan, with a commission of 6.5438+0.5 million for each car and 6.5438+0.2 million for cars with a commission of less than 500,000 yuan. Seeing such considerable gains, all members of the company worked hard.

In order to better develop their business, Luo Rangjinmou and Anmou first went to a guarantee company in Hangzhou for training. The guarantee company and Friend Automobile Trading Co., Ltd. signed an automobile consumption loan business cooperation agreement in Taizhou. All the car loan business in Taizhou is funded by the guarantee company first, and then the guarantee company applies to the bank for mortgage.

The content of the training is how to sign a car purchase contract, how to operate a video interview and approve customer information. After that, Luo arranged Wang and Hua to be business managers, responsible for pulling customers to negotiate business.

They solicit business mainly by posting "zero down payment car purchase" information in qq group and WeChat circle of friends, soliciting business at the entrance of automobile 4s shop, and introducing friends to friends.

Zero down payment is fake.

It is true that the loan is too high.

After laying the big net, the company soon received the first big order.

At the beginning of 20 13, Xu, who is doing business, wants to buy a Land Rover. Introduced by a friend, Xu met Wang, the business manager. Wang told Xu that he could buy a car with zero down payment. After providing the corresponding information, others don't have to worry about anything, which is convenient, quick and worry-free.

When Xu heard it, he thought he could try it, so he handed over the ID card, household registration book, marriage certificate, real estate license and other materials to Wang. Wang immediately asked Xu to sign a stack of blank materials such as guarantee agreement, mortgage contract and vehicle purchase agreement.

Half a month later, Wang called Xu and asked him to go to a hotel in Luqiao for a video interview. The person who accepted Xu's interview was a well-trained Kim. Before signing face-to-face, Kim handed Xu a piece of paper, on which was written the question that Xu wanted to answer: the car purchased was Ford Land Rover Range Rover series, and the loan amount was1300,000 yuan, which was paid off in three years. The interview will be over in a few minutes. Afterwards, Xu Cai knew that he was a bank employee.

The actual model that Xu wants to buy is the Land Rover 3.0 diesel version, which is 558,600 yuan different from the model written on the paper. At that time, Kim explained that the zero down payment car purchase is like this, and the extra money will be returned to Xu later.

In fact, what Xu is still in the dark is that in the materials submitted by Kim to the guarantee company, the so-called nominal land lease contract, business license, personal salary income certificate, bank statement and so on. Everything promised was fabricated by Kim and Anmou out of thin air.

Two weeks later, Xu got the vehicle in Friend Automobile Trading Co., Ltd., and then Xu had to pay back the mortgage of more than 37,000 yuan every month, which was paid off in three years. This mortgage payment is 558,600 yuan more than the amount actually payable by Xu.

Forge information

The guarantee company found that there was an excess advance payment.

According to this mode of operation, at Luo's instigation, the company made 24 transactions, excluding various insurance and taxes, and the company made a profit of more than 4.8 million yuan. Just as Luo continued to do the same thing and expected more profits, things happened.

From 20 13 to 10, the company submitted the information of six customers to the guarantee company. During the audit, Hangzhou guarantee company found some tricks. Obviously, the model actually purchased by the customer is BMW 320, and the prepayment required for the guarantee company becomes BMW 5 Series GT series. In addition to raising the car price, the car purchase invoices and insurance policies provided by it are all false and forged, which leads to the company's excessive advance payment. Therefore, Zhao, the manager of the guarantee company, chose to call the police.

The case that lasted for more than a year surfaced.

After receiving the alarm, the Tiantai Economic Investigation Brigade immediately launched an investigation. Due to the large number of people involved in the case, the scope involved and the large amount involved, it is quite difficult to handle the case. After more than a year of investigation and evidence collection, the case was finally found out.

In order to be empty-handed, Luo thought of the strategy of "high loan" to set up money. First, boast to customers that it is convenient for their company to buy a car, without down payment, and pick up the car quickly. Then let the customers who don't understand sign a series of contract agreements, confuse the customers and lure them to get the corresponding benefits after raising the car price. Finally, after Luo mentioned the car, he installed GPS on the new car to track and locate customers at any time. Once the customer fails to repay the loan on time, he can get the car back.

Regarding the loan amount of the customer, Luo Mou teaches Anmou to invoice 70% of the actual car price, that is, the car price is often higher than the model actually purchased by the customer. After calculating the corresponding insurance premium, Luo Ranan called the fat man, who made fake invoices in Luqiao. According to the information sent by Anmou, the fat man will make fake invoices and fake insurance policies. If there is no important loan certificate such as real estate license, land certificate and bank running account number in the customer information, the fat man will do it together. After Anmou got these materials, he forwarded them to the guarantee company for review.

At present, the case has been transferred to prosecution.

remind

Never let zero confuse your eyes.

According to the police, ordinary consumers have some misunderstandings about buying a car with zero down payment. They will get a bigger discount by mistaking the down payment for zero. In fact, under the superficial article of zero down payment, the expenses incurred in the middle are relatively high, such as guarantee fees, handling fees, interest, evaluation fees and so on. Applicants for auto consumption loans must choose according to their own economic conditions and specific conditions, and should not be confused by some superficial marketing methods, such as zero interest rate and zero monthly payment, because zero interest rate does not mean zero expenditure, and the monthly repayment amount may be higher in the case of zero down payment for buying a car. Applicants must carefully compare the repayment amount, monthly interest, repayment period, etc. Don't let the "zero" of buying a car with zero down payment confuse their eyes.

Link:/legal/2015-08/10/content _ 36268368.htm.