The money from online loans was defrauded by others.

Recently, He Laoshi, who lives in Doumen, wanted to borrow 3, yuan online. Unexpectedly, not only did I not borrow money, but I was cheated out of more than 15 thousand yuan. What the hell is going on here?

do you still need to make a loan?

Not long after, a strange man called and said that he saw He Laoshi browsing the loan page and asked him if he needed funds, and said that he could add WeChat to further contact.

He Laoshi installed and registered an account. After filling in the personal information, he saw that he could apply for a loan of up to 3 thousand yuan, so he applied as required.

Soon, the other party told He Laoshi that the loan he applied for had been approved, but he had to pay 798 yuan to activate the software before he could withdraw it.

He Laoshi calculated that the activation fee plus interest is lower than the interest on borrowing money from other platforms, so he paid 798 yuan cheerfully.

Seeing that the approval passed, the money arrived soon, but it was suggested that the bank card was wrong and the money was frozen.

He Laoshi was a little anxious and contacted customer service immediately. As a result, the other party replied to He Laoshi that he had no right to handle the relevant business, and would transfer it to the "handling specialist" to unfreeze the money.

after the "processing specialist" went online, he asked He Laoshi to provide his mobile banking account number, conduct one-on-one verification, check the flow of funds, and pay 3% of the loan amount, that is, 9 yuan as a guarantee.

I heard from the "processing specialist" in He Laoshi that not unfreezing may affect personal credit information and was blacklisted by major financial institutions, so I quickly borrowed 9, yuan from my friend and transferred it to the designated account as required.

after the operation is completed, the withdrawal fails and becomes a high-risk account. The customer service explained that because He Laoshi didn't mention the last four digits of the ID card when transferring money, the deposit amount should be increased to 6% of the loan amount, that is, 18, yuan, and the 9 yuan transferred before will be automatically returned by the system.

He Laoshi transferred another 18, yuan as required. Next, the customer service asked He Laoshi to transfer 27, yuan, 54, yuan and 5, yuan to the designated account on the grounds of "unable to check the credit".

In the end, for a loan of 3, yuan, He Laoshi took 15, yuan to go in and realized that he had been cheated, so he quickly called the police.

what is the purpose of the swindler?

"Why do you say that I entered the bank card number incorrectly?" In fact, this is an inevitable link in the mainstream script of online loan fraud!

No matter how much money you borrow, whether it is 5,, 1, or 2,, when you finally enter the bank card number, it is inevitable that "the bank card number is entered incorrectly". If you check it again, that's the case. The reason is that this platform is embedded with software that can be tampered with at will.

what is the purpose of the swindler?

when the message "your bank card has been entered incorrectly, and the account has been frozen" pops up, the purpose is to make you think that your bank card has been blocked due to your own operational error, and you cannot lend money. At this time, the liar said, there is no way, you need to do the next step. If you believe, you will give as much as He Laoshi did.

this is the ultimate goal of cheaters. 3354 requires you to pay "authentication money, activation money and deposit"? Various expenses.

originally, you went to the platform to get a loan, but in the end, you found out that you paid for the so-called platform, but in fact you gave it to a liar.

Moreover, in other frauds, the swindler may even say that you were blacklisted by the CBRC because you entered the wrong card number, or that if you don't pay these fees, the loan record is still there, and you still have to repay the loan. If you don't have to be included in the list of untrustworthy people. It's all lies!

Therefore, we should be vigilant when we encounter the situation that the bank card number is entered incorrectly when lending. Anyone who asks for any fees for any reason before lending money is a fraud!

from: Zhuhai criminal investigation related questions and answers: