It is the capital have enough to meet need on deal only originally, loan is only 30 thousand, a year short became unexpectedly 8 million; Just help a friend originally leasehold assure, absolutely did not think of loan 20 thousand, final reimbursement became unexpectedly 1.4 million, the building that connects Hangzhou downtown even on compensate...
This each makes a person as the experience like nightmare 100 think of do not get its to solve.
The near future, zhejiang Hangzhou police issues heavy fist, severity was hit with leasehold the illegal crime activity that seeks profit illegally for the name (common says to cover a road to borrow) , with one action opened this to be concealed in the guilty gang inside story of a plot of backside of leasehold dispute idea.
Detect in these police " cover a road to borrow " in series case, how does guilty gang develop a way step by step, let 30 thousand become of 8 million gigantic?
Why is the victim met again deep-set " loan door " however utterly ignorant?
Hostess from borrow 30 thousand began to boil breathtaking 8 million sell 3 flatlet to return east hide Tibet
At the beginning of August 2016, in because capital insecurity is badly in need of borrowing 30 thousand yuan,face the A Hua that how does dress business, via intermediary introduction, a Hua knew some " consign for sale on commission goes " boss Zhu Mou, Wu Mou. After Zhu Mou has much flatlet to produce to Ms. Zheng under one's name in understanding, agree readily.
The A Hua Xiangzhu that is eager to spending money some loan 30 thousand yuan, calculate on cost of bail, accrual of 10 days, intermediary, total loan amount is 50 thousand yuan, but loan the amount that go up is 80 thousand yuan. To A Hua's doubt, zhu Mou states this is guild regulations, persuade, a Hua signed loan contract, but actual in one's hand only 30 thousand.
Of the same age in September, to repay the accrual before, a Hua Youxian is backward Zhu Mou loan, loan contract according to " guild regulations " writing amount 250 thousand, can take actually have 125 thousand yuan only however in one's hand.
Arrived in October, a Hua already to principal of Zhu Mou loan 250 thousand, times IOU breaks up below the autograph 330 thousand. Right now, a Hua because capital insecurity is insolvent already terminally 20 thousand yuan accrual and expire the capital that needs to repay.
What before Zhu Mou is taking Ahua, sign is all multiply times loan contract, begin to call ceaselessly, come to demand repayment, the means such as verbal menace coerces its return money. But under, a Hua listened to Zhu Mou's proposal, to Zhu Mou's friend Wu Mou lends money repay a debt.
Came in November 2016 during September 2017, partner Wu Mou of Zhu Mou ceases the debt before even this belt " bale " , regard guaranty as A Hua's house, signed new total with A Hua the loan contract of 1.12 million, borrow period 10 days, accrual 10% .
Pass a contract a few times " bale " hind, amount of each loan contract ceases even this belt add penalty due to breach of contract to had achieved 8 million breathtaking yuan, accrual 10% .
At this moment, zhu Mou continues to be A Hua " give counsel " , suggest she sells off building, resell to find a place for house bugle call uses repay a debt, help her connection actively sell the home. By force of pressure, one place sold house property after A Huaxian find a place for with two house bugle call, get a money in all 300 beyond use at repaying to be owed partly, but the money that still has nearly 5 million cannot repay.
Finally, she is forced to run away from home, go hiding to the other place, this hides with respect to 7 many months, this paragraph of time, she goes out scarcely, also dare not give call in the home.
At the beginning, she considers her son very much, but now, she can come home, dare not see a son again, because she does not know how she confronts her son, "Originally I can give him very advantageous life, now, I do not know how to explain with him really, the husband that still has me also is... "
After calling the police, police consolidates the operation, the policeman says, if check solid it is really " cover a road to borrow " , try a court decision through the court, he Hua need not be assumed original unreasonable debt.
A Hua can come home eventually.
Side person assures loan 20 thousand yuan
Ineffable on the back 1.4 million debt
Exclusive house property by forcibly pay a debt in kind or by labour
How cannot the gentlemen of 30 Hangzhou person king that come forward also think of this year, two years ago because side person is leasehold,assure 20 thousand yuan, this debt after two years made him ineffable bear liability of many yuan nearly 140 a huge sum like snowball however, be forced even exclusive housing even pay a debt in kind or by labour.
In October 2016, mr Wang that lives in the city zone below Hangzhou receives friend A request, hope its help friend B do 20 thousand yuan leasehold assure.
Although some are interrogative but feelings of hindering Yu Pengyou, mr Wang or reluctance agreed.
3 people apply some company to handle borrow or lend money to guilty suspect together, but the friend looks for excuse to change suddenly again say to want to let Mr Wang help collective and leasehold.
Mr Wang says him loathing, but however cannot sustain hard bubble of two people use soft tactics, they still kneel down, promise gives him the advantage such as share redound.
It is softhearted that Mr Wang is returned finally.
When signing leasehold agreement, obviously 20 thousand yuan loan, but on the contract however empty became 40 thousand yuan high, shi Mou explanation says among them 10 thousand yuan are bail, additional 10 thousand yuan are contained come administration fee of cost, platform, legal cost prepay expense, taking borrow or lend money actually is 20 thousand yuan, and explain should agree according to the contract only on schedule reimbursement, accumulative total needs reimbursement only 20 thousand yuan, but if exceed the time limit was not returned, agree should return 40 thousand yuan.
After signing a contract, the bank of friend B got 20 thousand yuan of loan immediately on card, mr Wang also signed.
Mr Wang cannot think of, his nightmare from now on open.
After two months, friend B " abrupt " break couplet, leasehold company comes 40 thousand yuan before dun to Mr Wang " be in debt " .
Mr Wang still does not go out, be forced leasehold 40 thousand, use the money before fill. Empty adds a contract to turn into 60 thousand.
Hind because ceaseless " protracted repay a debt " , the debt of king and the other side agrees from 60 thousand yuan became 90 thousand yuan again, became 200 thousand yuan again again. See Wang Shi be in still do not give money, guilty suspect Yu Mou is clear with arriving the court is sued, look for him the means use both hard and soft tactics such as family labor, the renew a book of afterwards of firm of the 3rd investment that press Wang Mou is appointed again is borrowed still 200 thousand " debt " , leasehold contract became this 400 thousand... later, the other side do sth following a set pattern, wang Mou is forced again invest a company to the 4th leasehold, leasehold amount is ceaseless refresh, after a year its " be in debt " already amounted to 1.2 million yuan.
The house that Mr Wang is located in downtown by forcibly pay a debt in kind or by labour.
During, mr Wang still suffers utterance of the other side to be imprisoned minatorily, illegally ceaselessly, beat up physical punishment to wait.
How to judge, be on guard " cover a road to borrow " ?
Cover the road is borrowed and usurious and common folk is leasehold it is distinguishing.
Lawful folk is leasehold it is the gain inside the interest rate category that sets in law;
Usurious it is with getting high specified number accrual is a purpose;
Cover a road to borrow a purpose not to depend on " have capital " , " have interest " , cover through be being set step by step however, the belongings of final detinue victim, it is a kind of illegal criminality substantially.
Cover a road to borrow change for the gang mostly run, some established a company even, still set a variety of post such as Wu of assistant director of manager, financial, business, law.
Carry out " cover a road to borrow " criminal, often use borrower to wear urgent need money and the psychology that cannot borrow money from normal finance orgnaization, make use of is alleged loan business, actually is installed " condition of low doorsill break a contact " " high amount responsibility of breach of contract " trap contract, all sorts of reason maintain reproducing break a contact of the injured party, coerce in order to handle car appearance, property of extortionate the injured party.
Discover these a few features are about to raise vigilance:
One, loan requirement is particularly good.
If finance company gives out the condition is particularly absorbing, interest is particularly for instance small, "Low interest, without guaranty, do not smash a car " , be about in this moment heart know exactly about sth, the sky won't drop pasty in vain.
2, of the autograph is " contract of yin and yang " .
Give your contract amount, and actual in one's hand amount nots agree with.
3, one-sided holds break a promise.
If by one-sided of the other side unjustifiable cognizance break a contact and not allow to argue, so encounter most probably " cover a road to borrow " .
Police expresses, if similar case is encountered in civilian leasehold process, must raise vigilance, in assure to testimony is withheld below safe premise, call the police in time.
