What are the new routines for SMS loans?

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? There should be no problem with loans with formal contracts. ...

1, the purest loan fraud: no loan.

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

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 in ―― 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 the scam: this kind of loan fraud is called "pure loan fraud", that is, insurance premium, deposit, activation fee, service fee, etc. They all charge in the name of issuing low-threshold loans, but they won't give you any money in the end. The so-called cash checks and bank transactions are all forged in advance.

2. The most cross-border loan fraud: checking the running water and stealing the brush.

Zeng Congming wants to open a bakery, and he urgently needs 60,000 yuan for capital turnover. 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, which was hacked. ...

The secret of the scam: this kind of loan fraud 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 fraud: being cashed out to pay back the money.

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

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 fraud: being used and becoming an accomplice.

Zeng Congming is preparing to open a new mobile phone film shop, and he urgently needs 20,000 yuan for capital turnover.

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 to launder money for the liar. Now he has become 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 to launder money.

5. The most inexplicable loan fraud: renting a car as a defendant.

Zeng Congming wants to open an anti-fraud training class, and he urgently needs 654.38 million yuan in capital turnover.

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 three days later, I couldn't find an agent, but the car rental company blocked the door every day 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 loan fraud: a loan, the car is gone.

Zeng Congming finally got a car of his own after unremitting efforts. 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 fraud: routine loans 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. As agreed in advance, he paid interest to the salesman of the company on time every month (the company doesn't accept online transfer), but one day, he suddenly found that he couldn't 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 Congming wanted to go to court to sue, but the lawyer told him that it was difficult for the loan company to win the case because of the flowing transfer 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.

Desperate Zeng Cong boarded the roof 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 all kinds of loan intermediaries and fall into the above-mentioned loan fraud routine. Once you confirm that you have been defrauded or caught in a routine loan, you must call the police in time. Simply swallowing it will only increase your losses.