Private loan company

What are the routines of loan companies?

1, "enter through the back door" before lending, and "leave it alone" after lending.

There are frequent chaos in the offline lending market. On the one hand, in terms of pre-lending risk control, many salesmen said that they can help lenders package credit information and "go through the back door" in loan banks; In addition, when the reporter proposed loans for buying houses, stocks and funds, some salesmen said that it was "no problem at all", and the loans would be issued in the name of decoration loans, and the specific use of funds could be controlled by themselves.

2. Some products are adjusted, and some are offline.

The chaos of offline lending continues, while the online lending market is not good at present.

On the one hand, with the rising cost of online customer acquisition, the profit margins of many lending platforms have been further compressed. In addition, under the general trend of direct connection, some platforms bluntly increase the pressure of subsequent compliance, and their products will also face earth-shaking changes.

Summary:

The lending industry has been hovering in the gray area of the lending circle. There are no large-scale companies at present. Due to the particularity of the industry, it is believed that it is difficult to appear head enterprises in the future. The lending circle is mixed, and there are not a few people who deceive consumers. This has also led to this industry. Often criticized by society.

What should I do if I am beaten by a loan company?

Through the online lending platform, customers can keep relevant evidence, such as loan details, chat records, recordings, etc., and then report to relevant departments. Generally speaking, the legitimate rights and interests of customers will be protected, and you don't have to worry too much about regular loans. Generally speaking, conventional loans have the following characteristics: 1, and the loan interest rate is opaque. 2. There is a loan service fee. 3. There is a loan guarantee. 4. Charge the loan agency fee. 5. There will be "beheading". 6. No loan qualification. 7. The main company can't be found. 8. General loan news is published online. 9. Deliberately create traps to make customers overdue. 10, collect unfrozen deposits. In some of the above situations, customers need to be cautious. Pay attention to regular loans to avoid falling into the trap. When applying for a loan, in order to protect their rights as much as possible, customers still have to choose a formal lending institution to apply for a loan. Of course, formal lending institutions are slightly stricter.

Revealing the secrets of routine loans in three steps

Routine loan is a crime hidden behind "private lending", which often includes criminal facts such as contract, illegal detention and illegal intrusion into other people's houses.

Three steps. The first step: first induce the borrower to borrow money, and then trick the borrower into signing an iou that is twice or even several times higher than the loan amount on the grounds of regulations. For example, you borrow 6,543,800 yuan and have a debt of 200,000 yuan. A liar's sweet words can easily get you hooked.

Step 2: "Forge" the bank flow. After the borrower signs the loan slip, the "company" will trick the borrower into transferring money to the bank to take cash, leaving the bank running water as evidence. For example, the "company" will go to the bank to transfer money with the borrower. They first credited the 200,000 yuan promised in the IOU to the borrower's card, then asked the borrower to take it out, and then took away 654.38 million yuan, but the borrower did not get the repayment form. In the end, the borrower actually got only 654.38 million yuan, but the bank running water shows that there is still 200,000 yuan in the account.

The third step: "linking accounts", also in this step, the original account may be expanded dozens of times. Once the borrower defaults, the "loan company" will settle the account in a "flat account" way. "Even account" means that another "company" repays the money of the first company, and the borrower signs a higher debt contract. The second step of "forging" the bank's flowing water will be repeated.

Pull you into a trap step by step! What are the routines of "routine loan"

"Sister, consider low loan interest?" "Brother, do you need money?" Have you received many such sales calls? Be careful, it may be a trap.

According to police analysis, routine loans to victims are usually carried out according to the following routines:

Step 1: solicit business in the name of "company".

Those intimate "elder sister" and "elder brother" phone calls are the first step towards the trap. In fact, these companies have no financial qualifications.

Step 2: Sign a blank contract.

When you say you need a loan, they will ask you to sign a loan contract, and the suspect will come up with a thick stack of blank contracts for the victim to sign. Because there are too many contents in the contract, the victim is eager to use the money, and the victim will not read the contents of the contract carefully. The criminal suspect can add contents to the contract at will, including the lender, the loan time, the interest amount and other important terms.

Moreover, the loan amount written in these contracts is not the amount you get, and the money you really get is much less than the contract loan amount. For example, the loan written in the contract is 654.38+10,000 yuan. After deducting the so-called "deposit" and "service fee", the victim may only get 20,000 to 30,000 yuan.

Step 3: Create a "chain of evidence".

In addition to the contract, the suspect will also ask the victim to sign some legal documents, such as real estate mortgage contract, real estate purchase and sale power of attorney, housing lease contract, etc., and some will also ask the victim to handle the notarization procedures of these contracts together.

In addition, the suspect will transfer all the loan amount to you first, and then let you withdraw money, forming evidence that "the bank flow is consistent with the loan contract". In fact, the money should be returned to them.

Some are delivered in cash, and the suspect will let the borrower take photos with cash, creating the illusion that the victim has obtained the full amount of the loan.

Step 4: unilaterally arbitrarily determine the breach of contract or deliberately create a breach of contract.

The suspect will make the borrower "default" through various means.

Even if the borrower wants to take the initiative to repay the loan due, the suspect will deliberately "play missing" until the contract expires.

Afterwards, the suspect unilaterally declared and determined that the borrower had "breached the contract" and demanded that the other party compensate the "liquidated damages" and "handling fees" according to the contract. These expenses are often several times or even dozens of times higher than the loan amount, and it is difficult for borrowers to pay them off at one time.

Step 5: maliciously increase the loan amount.

When the borrower is unable to repay the loan, the suspect will introduce other "companies" to sign a new and higher "inflated loan contract" with the borrower to "balance the accounts" and further increase the loan amount.

In the investigation, the police found that these companies are actually a group, but they use different names. To call it "even account" is actually "robbing Peter to pay Paul", which makes the borrower fall into a trap.

A ring-by-ring trap

Step 6: Use both hard and soft methods to "collect debts".

All kinds of routines before the suspect are for the last step, asking for debts.

There are usually two ways to claim debts: one is to file a lawsuit by using false written evidence such as mortgage contract and bank running water made before, claiming so-called "legal creditor's rights" and demanding that the houses, cars and other properties under the names of the parties be preserved and auctioned for debt repayment;

Second, through various illegal means such as extortion, illegal detention and telephone bombing, the normal life order of borrowers and their close relatives is disturbed, so as to put pressure on borrowers and force them to repay their debts.

Three kinds of conventional loans

Judging from the cases detected by the public security organs at present, routine loans are mainly divided into three types:

The first is "mortgage loan"

In this kind of cases, the routine loan gang is eyeing the property under the name of the victim or his close relatives, and will let the victim use the property as collateral by inflating the debt, and finally take possession of the victim's property by filing a lawsuit or applying for property preservation.

The second is "car loan"

Such cases are aimed at victims who own cars, especially luxury cars.

Routine loan gangs often use "low interest, no mortgage, no seizure of cars" as a pretext to trick victims into signing vehicle mortgage loan contracts, and then forcibly seize cars and trailers for reasons such as overdue and breach of contract.

There is also a "fast food" routine for suspects, that is, after signing a contract, they create an excuse for breach of contract without issuing loans, unilaterally determine the breach of contract, and then detain the vehicle and blackmail the victim through so-called negotiation, negotiation and mediation.

The third is disguised as ordinary "private lending"

In such cases, the purpose of the routine loan gang is to possess the victim's cash, deposits and other property. After confirming the profit from the victim, the suspect will take a seemingly ordinary private loan contract as bait. After the victim signs, he will gradually increase the debt, and finally force the victim to repay through illegal detention, extortion and other means.

There are big pits behind advertisements such as "low interest, no mortgage, no car seizure".

More than 200 people, the amount involved10 million yuan.

After nearly a month's investigation, on March 15, West Lake police arrested this criminal gang that used "routine loan" to blackmail the victims, and smashed the "routine loan" criminal gang headed by Chen Moumou and Lai Mou in one fell swoop. At present, the case has successfully arrested the suspect 14.

Strange phone calls to promote low-interest loans, loan advertisements randomly distributed by the roadside, and small online lending platforms mixed with dragons and dragons? There are hidden mysteries and routines.

There is a difference between conventional lending and general private lending.

Legal private lending is profitable within the interest rate stipulated by law; It is for the purpose of obtaining high interest; The purpose of routine loan is not to "eat the principal" or "eat the interest", but to illegally occupy the victim's property step by step, which is essentially an illegal and criminal act.

At the beginning of last year, Chen Moumou, Lai Moumou and others opened a "Hangzhou Jiulong Investment Management Co., Ltd." in Xihu District and began to engage in "car loan" business.

From the outside, this company is quite formal, with financial group, "legal group" and three business groups.

The business team is responsible for finding customers, talking about loan terms and visiting cars. The financial team signs contracts, collects money and urges money, and the "legal team" is responsible for the company's legal business.

Come to a company as general manager.

Later, a group of people such as Chen resigned from Hangzhou Jiulong Investment Management Co., Ltd. and established Hangzhou Licheng Network Technology Co., Ltd. in Gongshu District, with Chen as the legal representative and also as a "car loan".

On June 5438+February 65438+May last year, Mr. Jiang, who was in urgent need of funds due to difficulties, was introduced and found "Hangzhou Licheng Network Technology Co., Ltd." run by Chen, intending to mortgage his BMW three-series sedan.

The people in this company installed a GPS tracker on Mr. Jiang's BMW. They say it's a rule. Because the car has not been seized, it is necessary to monitor the mortgaged vehicle by this means.

Collect platform management fee, door-to-door fee, service fee, GPS installation fee, interest and other nominal fees of 8,000 yuan, and increase the contract amount by 654.38+0,000 yuan in the name of deposit. In other words, although Mr. Jiang signed a loan contract of 50,000 yuan with the company, the actual loan was only 32,000 yuan.

Because of the urgent need for funds, Mr. Jiang can only accept such a overlord contract.

At the same time, the company made an oral agreement with Mr. Jiang, and the agreed repayment method is: interest first, then principal, half a month, with a term of 4 months, with interest of 5,000 yuan per period.

This year, 65438+1October 14, after the victim Mr. Jiang paid the second interest, the company found that Mr. Jiang was in breach of contract on the grounds that the interest payment was 2 1 minute overdue.

After determining that Mr. Jiang was "in breach of contract", the company forcibly towed and detained Mr. Jiang's BMW, demanding to repay the inflated loan contract amount of 50,000 yuan, and demanding "liquidated damages" 1.2 million yuan.

Finally, Mr. Jiang was threatened and pressured by Chen, the boss of this company, and forced him to pay 45,000 yuan to redeem the car by detaining the car and gathering people to create momentum. In addition to the "legal team" as a legal means of debt collection, some companies also have a group of people who are responsible for debt collection activities such as threats and forced deductions.

After investigation, since 20 15, the criminal gang has been involved in the completed "car loan" customer information.

How do ordinary people judge and guard against "routine loans"?

The essence of "routine loan" is illegal and criminal.

Criminals who implement "routine loans" often take advantage of the psychology that borrowers are eager to use money but cannot borrow money from formal financial institutions. Using the so-called loan business as an excuse, they actually set up a trap contract with "low threshold default conditions" and "high liability for breach of contract", and then created various reasons to determine that the victim breached the contract, and threatened to blackmail the victim's property by handling the vehicle.

If you find these characteristics, you should be vigilant:

First, the loan conditions are particularly good.

If the conditions offered by the loan company are particularly attractive, such as extremely low interest rate, "low interest rate, no mortgage, no car loan", then you should know that the pie will not be lost in vain.

The second is to sign a "Yin-Yang contract".

The contract amount given to you does not match the actual amount.

3. Unilateral determination of breach of contract.

If the other party unilaterally and unreasonably determines that the breach of contract cannot be disputed, then 80% will encounter "routine loan".

The police said that if you encounter similar situations in the process of private lending, you must be vigilant, keep evidence on the premise of ensuring safety, and call the police in time.

The most comprehensive "borrowing" routine inventory, see any one, please stay away immediately!

With the popularization of early consumption concept and the rise of online finance industry, "loan" has become the first choice for many people who are in urgent need of funds. I often receive questions from fans, especially young fans: Is the online loan intermediary reliable? No guarantee, no guarantee, can the black hand company consider it? Is it okay to sign a loan with a formal contract?

1, the purest loan: payment is not a loan.

Zeng Congming is going to open a new fruit shop and needs 50,000 yuan urgently.

He saw an advertisement of "unsecured, unsecured, regular company, quick loan" on the Internet, and added the other party's QQ according to the contact information left above. The other party first sent a business license, introduced the loan requirements and signing process, and then sent an electronic contract for Zeng Cong to fill out-although we didn't meet, everything seemed so formal.

After the contract was approved, the other party asked to pay 5,000 yuan insurance premium in advance, on the grounds that it was beneficial to both parties to have an insurance company as a guarantee. After a while, he said that Zeng Cong was not qualified and needed to pay a deposit of15,000 yuan in advance, which would be fully refunded when lending money. After the payment, the customer did send a cash check of 70,000 yuan (including the returned 20,000 yuan) and a screenshot of the bank's transaction interface, but he still had to pay a service fee of 4,000 yuan to give the check.

In order to get the loan as soon as possible, Zeng Cong gave the other party 24,000 yuan, but he never waited for the cash check and was blacked out?

The secret of fraud: this kind of loan is called "pure fraud", that is, insurance premium, deposit, activation fee, service fee, etc. They are all collected in the name of low-threshold loans, but the last penny will not be given to you. The so-called cash checks and bank transactions are all forged in advance.

2. The most cross-border loan: check the running water and stolen brush.

Zeng Congming wanted to open a bakery and was in urgent need of 60,000 yuan. He decided not to pay all kinds of fees to the other party first.

He found a loan company online, and the other party sent him a link, filling in his name, ID number and mobile phone. It is normal to open the link. Zeng Cong did not hesitate to fill in.

The next day, the other party called and said that the results of the bank had been fed back, because the bank had too little running water to lend money. Unless you deposit 20 thousand yuan in another bank card right away. Zeng Congming felt that there was no risk in saving money on his bank card, so he went to deposit it immediately and told the other party the bank card account number and SMS verification code, so that the other party could feedback it to the bank.

After a while, Zeng Cong received a debit message of 20,000 yuan and was blacked out?

The secret of the scam: this kind of loan is mainly a cross-border crime of bank card thieves. They will collect your personal information first, and then let you transfer the money to your account on the grounds of capital verification. Many people think it is safer to transfer money to their accounts. As everyone knows, after they ask for your bank card account number and SMS verification code, they can take the capital verification money for themselves by stealing or online shopping.

3. The most aggrieved loan: being cashed out to pay back the money.

Zeng Congming is going to open a new snack bar and needs 30,000 yuan urgently.

When he was ready to go to the bank for a loan, he saw a sign saying "bank loan, quick loan". A clerk in a white shirt stopped him and asked him if he was going to the bank for a loan. There is no need to wait in line here.

Zeng Cong provided the ID card according to the requirements of the "shop assistant" and signed an application form. The "staff" agreed to lend 30,000 yuan after 15 days, but they had to pay a handling fee of 3000 yuan.

15 days later, Zeng Cong found the "employee". The clerk wanted to operate the once smart mobile phone. After a while, he really got 27,000 yuan in cash.

Zeng was smart and happy to go home, but a month later, he received a short message from the bank credit card center, urging him to repay the overdraft of 30 thousand yuan.

Secret of the scam: The swindler pretends to be a bank employee and set up a stall near the bank, claiming that there are internal channels to lend money quickly. In essence, he used your ID card to handle credit cards (collusion with bank insiders is not excluded). After the credit card application is successful, they will use your mobile phone to activate the credit card, and then use the POS machine to swipe the credit line, deducting the high handling fee. In fact, if you apply for a credit card yourself, you don't have to pay any fees at all.

4. The most regretful loan: being used and becoming a partner.

Zeng Congming is going to open a new mobile phone film shop, which urgently needs 20,000 yuan.

He has basically become a black account of credit, and neither banks nor online lending companies can apply for loans. At this time, he suddenly saw an advertisement: the latest account, regardless of black and white accounts, does not charge any upfront fees, lends money for two hours, and charges 10 points after success.

The other party claimed on QQ that it had mastered the latest loan loophole of Alipay and could lend money within 2 hours. Zeng Congming cooperated with him to provide photos of the front and back of his ID card, holding photos of his ID card, bank card and mobile phone number, and told him the SMS verification code several times. After some operation, the other party asked to wait for two hours. Two hours later, Zeng Cong found that it had been hacked.

Zeng Congming was glad that he didn't give money first, but after less than a month, two policemen found the door. It turned out that the other party registered Alipay with the real name of the information he provided, and then used it as a liar. Now he is a suspect.

The secret of the scam: the swindler takes advantage of the psychology that some people have low credit information, can't borrow money and are in urgent need of money, claiming that black and white households can borrow money. In fact, they use information to register various financial apps and companies, and then provide tools for other criminals.

5. The most incomprehensible loan: renting a car to become a defendant.

Zeng Congming wants to open an anti-fraud training class, and he urgently needs 65438+ 10,000 yuan.

He didn't find a loan agent from the Internet this time. Through the introduction of his wife's neighbor's third cousin's classmates and sisters, he met a loan intermediary who was said to be very powerful. The agent said that such a big goal needed a vehicle as collateral and instructed him to rent a car from a car rental company. Zeng Congming rented a car worth 65,438+10,000 yuan after completing the formalities in the car rental company.

After the loan intermediary got the car, Zeng Congming filled out an application form and agreed to lend money three days later. But after three days, there is no intermediary, and the car rental company is stuck at the door every day to be smart enough to return the car?

The secret of the scam: the purpose of the scammer is actually the vehicles of major car rental companies. After attracting people in the name of being able to handle high loans, they tricked lenders into renting cars as collateral and immediately drove to other places to sell stolen goods.

6, the most loss of loans: a loan, the car is gone.

After unremitting efforts, Zeng Cong finally got a car of his own. He wants to open a restaurant this time and needs 200 thousand urgently.

He wants to find a real loan company and drive his own car to get a loan, so he should not be cheated. He went to a car loan company, and the manager promised to lend 200,000 yuan, "only betting on cars", which did not affect the use of cars. I am so clever that I am ecstatic. After signing more than N loan contracts, Zeng Cong only got 6.5438+0.5 million yuan. The company said that according to the regulations, another 50,000 yuan is the handling fee and liquidated damages.

Zeng Cong paid back the money on time every month, but one day, he suddenly found that the car was gone. It turned out that the company said that he had violated the original rule that vehicles outside the Third Ring Road in the city could not leave and towed the car away. This car no longer belongs to Zeng Cong.

Zeng Congming went to the loan company to ask, and the company produced a Pledge Contract, which clearly stated that if Party B (Zeng Congming) violated the company's vehicle management regulations, Party A (the loan company) had the right to dispose of the vehicle.

Zeng Cong's eyes were black and he almost fainted.

The secret of the scam: This is an obvious "routine car loan". Liars first earn tens of thousands of yuan by charging high fees and liquidated damages, and then inadvertently let you sign a "pledge contract." A pledge contract is different from a mortgage contract. In case of default, the loan company can legally take it for itself. In practice, the loan company will always create various reasons for you to default.

7, the bloodiest loan: routine loan, ruin a lifetime.

Zeng Congming experienced a long rest and finally regained his courage to live. But he can't do anything without money, so he decided to take out another loan.

This time, he is going to find a formal company, sign a formal contract, pay no handling fee and drive his own car if he can't get the money, so he won't be cheated. As it happens, he received a sales call from a loan company, saying that he was "unqualified and unsecured" and could get a credit loan of 6.5438+0.5 million yuan. As a rule, there are more than a dozen contracts to be signed. Zeng Cong probably browsed it and found that it was all formal, so he signed it happily.

Loan companies are more trustworthy. After signing the contract, he transferred 6.5438+0.5 million yuan to Zeng Congming's account, and then asked Zeng Congming to give them 50,000 yuan, which was counted as handling fee and liquidated damages. Zeng Congming thought about it. These are all their money anyway. It doesn't matter if you give it to them.

Zeng Congming opened a small supermarket in the industrial zone after getting 654.38 million yuan. Unexpectedly, the business is very hot, and he can earn thousands of dollars every day. He paid interest to the salesman of the company on time every month according to the prior agreement (the company does not accept online transfer), but one day, he suddenly found that he could not contact the salesman.

A few days later, the company informed Zeng Cong that he had owed RMB 6,543,800+0.9 million and demanded immediate repayment. I was clever and puzzled. For convenience, he took out a previous contract, which said: if you don't repay on time, you will be fined 3% per minute. It turns out that others calculate interest by the minute. Zeng Cong wanted to go, but a lawyer told him that it was difficult for the loan company to win the case because of the transfer process and formal contract. In less than a month, Zeng Congming owed 6.5438+0.2 million yuan. The house is mortgaged, but it is not enough to pay it back. Every day, people block the door to collect debts.

Zeng Congming, desperate, walked on the top of the 47th floor of the loan company building one night?

The secret of the scam: This is an obvious "routine loan". Liars fix legal evidence by creating a bank flow and signing a contract, then deliberately create a breach of contract, so that you don't pay, and then charge a high penalty interest with the previously signed contract, often several months later. Will owe millions. When you get a high loan, you will embezzle all your property, vehicles and so on.

Solemnly remind: If you need a loan, please go to a regular bank or a well-known online loan company and make a loan according to formal procedures. And don't listen to various loan intermediaries and fall into the above loan routines. Once you confirm that you have fallen into a routine loan, you must call the police in time. Simply swallowing it will only increase your losses.