With the "micro-loan" of 65,438+10,000 yuan, in a year and a half, the loan contract amount in Mr. Shi's hand actually accumulated to 3.847 million yuan. In the face of this unusual "transaction", although Mr. Shi has his own rhetoric, the so-called microfinance company has produced seemingly irrefutable "perfect" evidence: sometimes there is Mr. Shi's autograph on the contract, his real estate has been resold as a "credit endorsement" through the online sign, and his bank account does have running proof of multiple remittances. ...
Is Mr. Shi encountering an ordinary loan and debt dispute, or is there something else to hide?
In two months, it is still 6.5438+0 million yuan.
Teacher Shi's "borrowing nightmare" should start from July 2065438+2005. Anxious to repay the operating debt, he borrowed 654.38 million yuan from Yongsheng Finance Company (hereinafter referred to as "Yongsheng") and made an appointment to meet with the company's people.
The person who met Mr. Shi claimed to be a "risk control" person. After learning some basic information about Mr. Shi, he took out an iou for Mr. Shi to fill out. Mr. Shi noticed that the debit note was blank, just fill in the name, loan amount and repayment date, and the payee column was blank.
Although Mr. Shi only borrowed 654.38+10,000 yuan, the "risk control" personnel asked him to write a loan of 200,000 yuan. In this regard, Mr. Shi said that he did not understand, and the other party explained: "This is a rule. If you don't default, you only need to pay 654.38+10,000 yuan. "
After the IOU was written, the other party accompanied Mr. Wang to the bank with cash and made a deposit and withdrawal flow of 200,000 yuan, requesting to take out the cash in an unsupervised place and return it to the other party. Mr. Shi only borrowed 75,000 yuan. He expected to borrow 654.38 million yuan, only to know that 25,000 yuan was interest and agency fee, which was directly deducted from the loan. The "risk control" personnel told Mr. Shi: "If you can't return 65,438+10,000 yuan on time, then you have to fulfill the contract of 200,000 yuan as penalty, which is a constraint on you."
Since then, due to the failure to repay the loan on time, the staff of Chongsheng forced Mr. Shi to write down the loan several times by beatings and language threats, and used his bank card to "prove" the bank many times. By September 6th of that year, the original loan contract of 654.38+ten thousand yuan soared to1654.38+ten thousand yuan.
Be heavily in debt and lose property.
When Yongsheng learned that Mr. Shi had a 70-square-meter property on Jusheng Road, he promised to lend him 300,000 yuan to repay the arrears, but asked him to sign a "yin-yang contract": in the real contract, both parties agreed to owe 300,000 yuan each; In another contract, the amount owed in writing reached 6.5438+0.45 million yuan.
In this regard, the explanation of "surge" is: if Mr. Shi can't return 300,000 yuan on time, then he will fulfill the contract of 1.45 million, and we will sign the house for you online, which is a "constraint" for you to prevent him from speculating in real estate and running away.
At the agreed repayment time, Mr. Shi, who was unable to repay the arrears, was beaten by the staff of Yongsheng Company and thought that Mr. Shi was "in breach of contract", but made an idea for him and suggested inviting a third-party company to take over the account for him.
The so-called "flat account" actually means that another small loan company repays the arrears on behalf of Mr. Shi and then signs a higher debt contract with Mr. Shi.
Like the previous contract with Yongsheng, Mr. Shi signed a "Yin-Yang contract" with the later "Pingzhang" company, in which the fictitious contract debt was as high as 6.5438+0.7 million yuan. At the same time, Mr. Shi also found that the Jusheng Road property under his name was resold.
From 20 16 to 10, Mr. Shi couldn't bear the long-term violent harassment of loan companies and their families and the endless loan trap, and finally chose to call the police. So far, Mr. Shi owed 3.847 million yuan and lost a 70-square-meter property.
Force lenders to write down high debts.
Mr. Ye, who had a similar experience with Mr. Shi, was repeatedly threatened and harassed by "surging" and could not bear to choose to call the police.
2065438+On February 27th, 2006, Mr. Ye borrowed 200,000 yuan from Yongsheng through an intermediary, and the other party took 390,000 yuan from the bank, and actually got185,000 yuan, of which150,000 yuan was used as the intermediary fee. In less than a month, the other party demanded a repayment of 390,000 yuan on the grounds of breach of contract due to failure to repay the principal and interest on time.
Mr. Ye argued, but he was punched and kicked by the other party, forced to write down a loan of 800,000 yuan, and made a deposit and withdrawal of 800,000 yuan in the bank. At this time, Mr. Ye borrowed 200,000 yuan and got185,000 yuan, but the contract still owed 800,000 yuan.
Coincidentally, Ms. Xu borrowed 50,000 yuan from Yongsheng through an intermediary. After deducting the intermediary fee, she actually got 4 1500 yuan, but accompanied by company personnel, she went to the bank to deposit and withdraw 200,000 yuan. Subsequently, Ms. Xu intends to borrow another 50,000 yuan. However, under the coercion and inducement of the company, she wrote a 300,000-yuan IOU, and finally found nothing. At this point, Ms. Xu borrowed 50,000 yuan, and finally the arrears on the contract reached 300,000 yuan.
Overlay the arrears in the name of "even account"
After in-depth investigation, Jing 'an police found that this was not a simple loan fraud case, and there was a criminal gang behind it, which repeatedly committed illegal crimes by means of false loans. After in-depth and meticulous investigation, the investigators once again learned more about the case and fixed evidence from several victims, and basically grasped the personnel situation and extortion methods of the gang.
Under the guidance of the Criminal Investigation Corps of the Municipal Bureau, Jing 'an Public Security Bureau initially found out the fact that "Chongsheng" made illegal profits by means of fraud, extortion and illegal detention in the name of loans, and immediately set up a task force to file a case for investigation and quickly retrieve the bank accounts and surveillance videos involved.
After investigation, a micro-loan criminal gang headed by Song and Wang, with "worshipping saints" as the shell packaging, gradually surfaced. Among them, Song is the general manager of the company, responsible for providing funds and loan fraud script planning, and it is stipulated that the script steps must be strictly followed; As the deputy general manager, Wang is responsible for leading his "company business personnel" to operate, thus constructing a complete criminal framework.
Criminal gangs usually publish fictional information through industry intermediary companies, posting on the Internet, distributing small advertisements around real estate trading centers and introducing "acquaintances", saying that "quick lending" attracts victims by handling small loans.
After the victim was hooked, the company's "risk control" personnel and others invited the victim to meet. In the case of not paying or only paying a small amount of principal, on the grounds that the company needs to review its credit and the unsecured loan needs to increase the loan amount, the victim is tricked into signing a blank loan and agreement first, and writing down the amount several times higher than the loan amount. After the loan was obtained, the criminal suspect used verbal threats, telephone harassment, illegal detention and other means to force the collection of accounts through intimidation, harassment, beating the victims and their families.
If the victim fails to repay the loan on time, Yongsheng will "transfer" the debt of the victim to another same small loan company and sign a higher repayment contract. After layers of transfer, the victim often signs a contract with an amount several times higher than the loan amount. Among them, it also includes the benefit fee given to the family by the "flat account" company. Of course, the money was paid by the victim.
The police found out that the victim did not consider the legal relationship and risk factors when signing the loan contract. Once the creditors come to "collect debts", most people choose to hide in Tibet. In addition, when the victim borrowed money, he went to the bank to make running records, withdraw money and other bank monitoring materials, which were also deleted because of the long time of the incident, which brought certain difficulties to the police investigation.
On the other hand, the criminal suspect deliberately kept the evidence favorable to him in the whole process, and deliberately disguised his illegal and criminal behavior as a "private lending dispute".
18 suspects were arrested.
After careful investigation in the early stage, on February 2 1 this year, Jing 'an Branch launched a centralized network-closing operation, and arrested 18 criminal suspects headed by Song and Wang at one fell swoop, and seized a number of IOUs involved in the case on the spot. In fact, Chongsheng, which claims to be engaged in microfinance business, is an unlicensed company.
During the search, the investigators also found the "script" of fraud and extortion written by the suspect. The ugly scene of loan fraud was staged in strict accordance with the "script".
In the real loan contract signed with the victim, the suspect will extend the repayment period to about 1 year. In that inflated loan contract, the repayment period is often only 1 month.
After the loan, the suspect will not give the victim contact information, and even find an excuse to go to other places when repaying, so that the victim can't contact the suspect to repay. Once the deadline has passed, he will come forward, calling the victim "in breach of contract" and asking him to repay as soon as possible according to the high loan amount on the false contract.
[Police Reminder] Don't trust the "unsecured microfinance" billboard.
The reporter learned from Jing 'an Public Security Bureau that in such cases of fraud and extortion in the name of micro-loans, the criminal suspects used the victim's psychology of being in urgent need of micro-loans to trick him into writing down high-value IOUs, and then went to the door to extort money. The modus operandi is extremely chaotic.
Some victims found that after entering the trap, they often chose to "spend money to buy peace" because of the pressure and intimidation of the suspect, and did not report the case in time or seek legal help, giving the suspect an opportunity. It is precisely by taking advantage of the victim's psychology that the suspect threatened the victim with IOUs and bank running water, and succeeded repeatedly.
In this regard, the Shanghai police reminded the public not to sign blank IOUs casually, let alone fill in agreements that are inconsistent with the actual amount. If there is a loan demand, don't borrow from informal financial companies, and it is not recommended to entrust important mortgage items such as real estate to avoid transaction disputes.
In addition, the public should not trust the so-called "unsecured microfinance" billboards distributed on the Internet and on the roadside. If you encounter such loan fraud, you must be vigilant, fix the evidence in time, and call the police at the first time.