The detective recently learned that someone can make money by buying a car without paying any money? What kind of saucy operation is this? Not only have the detectives who have been working in the automotive media for more than 10 years never heard of it, but even the masses will not think that there is such a good pie in the sky. Sorry, it is a trap.
When things go wrong, there must be a monster, and this is how the trap is laid for you.
In May 2019, Tan Zhenwei wanted to buy a car and was introduced to Chen Mei. Chen Mei told Tan Zhenwei as a staff member of Hunan Zhuodu Automobile Sales Co., Ltd.: "If you have a bank credit report, Okay, you can use your identity information to get a loan to buy several cars. Our company will be responsible for the down payment and monthly payment of the car. After the transaction is completed, we will give you a 7% bonus." Tan Zhenwei saw the benefits of buying a car without having to pay any money, so he immediately got it. I agreed. Subsequently, Tan Zhenwei sent personal identity information, family situation, bank credit report, etc. to Chen Mei. In order to ensure that Tan Zhenwei can get a smooth loan, Chen Mei established the "Tan Zhenwei's Incoming Group". This WeChat group is managed by Chen Mei and the employees of the "Incoming Group". In the group, they taught Tan Zhenwei how to communicate with the loan company and helped him beautify his identity. Information etc. Since Tan Zhenwei was married, the loan company needed him and his wife to sign the contract together, so Chen Mei arranged for a woman to pretend to be Tan Zhenwei's wife and successfully obtained the loan.
After the loan was successful, the "Peripheral Department" in charge of Zhou Biao began to take over Tan Zhenwei's affairs. They took Tan Zhenwei to pick up the car and went to the vehicle management office to get the license plate and registration, and asked him to sign a blank vehicle pledge loan contract, IOU, debt transfer contract, etc. with Zhuodu Company. After completing the procedures, the "peripheral department" drove away. The car purchased by Tan Zhenwei.
In the end, Zhuodu Company organized Tan Zhenwei to obtain loans of more than 970,000 yuan from six loan companies and purchased 5 cars. These 5 cars were kept and disposed of by Zhuodu Company. At first, the company would help repay the first and second installments of the loan. Later, the company removed the vehicle's GPS and resold the vehicle to other places. It told Tan Zhenwei to ignore the loan company and use the benefits to spend money or buy a new car.
The above is the chain of committing the Changsha loan car purchase trap. People like Tan Zhenwei are called "white households" by Chen Shilin, Chen Mei and others, which refers to people who meet the loan standards and have no bad credit. Including Tan Zhenwei, from 2018 to 2019, a total of 45 "white households" came to Changsha to apply for car loans without the need to buy a car through the introduction of Zeng Huilian and Chen Dongchao. Under the organization of Chen Mei and others, the 45 "white households" *** defrauded 7 financial companies to obtain 86 car purchase loans. After the loans were obtained, the introducer Zeng Huilian transferred 7 commissions to the "white households". Since the big data credit system is not updated in real time, the "white households" almost always apply for loans from 6 or 7 financial companies at the same time. In the end, the total loan funds reaching Chen Shilin's account reached more than 10 million.
During the course of handling the case, the issue of whether the "white households" involved in the case constituted a crime attracted the prosecutor's attention. Through repeated examination of the evidence and comprehensive arguments from many aspects, it was found that the "white households" were all related to the crime of knowingly or should have committed the crime. Knowing that Chen Shilin's gang was abusing his identity information to defraud car loans, he still provided identity information in order to earn commissions, assisted the other party in applying for car loans to purchase multiple vehicles, and provided blank pledge procedures with his own signature for the vehicles involved. The result of the crime It is the same crime as committing fraud. The Changsha County People's Procuratorate made a decision to return for supplementary investigation, requiring the public security organs to prosecute the "white households" involved in the case, and to prosecute a total of 49 other criminal gang members and intermediary introducers. The public security organs have arrested or urged relevant personnel to voluntarily surrender to the police. 30 people. On June 22, the Changsha County People's Procuratorate approved the arrest of 27 people, but did not arrest one person on trial. Currently, the case is under further investigation.
The detective warned everyone not to be greedy for unexpected profits, lest they lose their wives and lose soldiers, sell themselves and count the money for others, and finally face jail. Although there are various loan methods to choose from, when buying a car, you still need to make a rational choice based on your own conditions.
This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.