Collect fees only not loan; Running water of test and verify is brushed by pilfer however; Individual data was done by person go off with credit card; Buy a mobile phone to be immersed in a road to borrow however; The vacancy that it is Qing Dynasty is spent turn over bedding bag to walk along thousands of yuan. Cheater covers nowhere to be absent, had extended the hand to campus. Consume an idea to go in undergraduate midstream ahead of schedule, want to change novice plane, want to buy new computer, want to travel, can pass the reimbursement after loan will be consumed first. All sorts of notting have guaranty, without the loan that assure small advertisement everywhere is seen.
Beijing Public Security Department turns over introduction of telegraphic bilk center, the undergraduate group with experience not at present dark world has become the fall victim of this kind of bilk to weigh disaster area, a lot of undergraduates are deep-set loan fraud hard extricate oneself.
The directest loan bilk: Collect fees only, not loan
Undergraduate Xiaoli wants to buy the computer with a some taller configuration and friend to form a delegation " eat chicken " , but impoverished feel embarrassed again and parental ask for a favor. Apropos at this moment he sees on the net first " without guaranty, without assure, regular corporation, extremely fast loan " advertisement, according to above the connection way that leave added QQ of the other side.
The other side introduces loan demand and autograph to restrict flow first, sent the business charter of own company again then, be being returned to Xiaoli in understanding is a student, when cannot providing mortgage capital fund, the manner did not change half minutes not only, emphasize loan more enthusiasticly instead needing to mortgage and assure, give the electron that small Lifa came to 10 thousand yuan to borrow money the contract immediately. The manner of the other side lets Xiaoli believe thoroughly, individual information filled in on the contract on the horse and refer the other side.
After contract examine and verify is passed, capture of small Li Xian of requirement of the other side 3000 yuan of insurance premium, reason is to insurance company is done assure advantageous to both sides. For new computer, xiaoli is forced to be taken out at ordinary times 3000 yuan of living cost of scrape up hit the past to the other side.
The other side contacts Xiaoli again, the intelligence that says Xiaoli is insufficient, still need to make 2000 yuan earnest money first, the meeting when loan is returned entirely still. Xiaoli is forced from the classmate there borrowed 2000 yuan to hit the past to the other side again, the other side after be being handed in expresses already will 15 thousand yuan (contain return 5000 yuan when return) the account that called Xiaoli, still sent a piece of bank to trade to Xiaoli check scheme is card.
Fund discovers after Xiaoli inquires account and do not have Zhang, when contacting opposite party again, ability him discovery is pulled early black.
Fraud uncovers secret: Bilk of this kind of loan is called " pure cheat borrow " , extend with low doorsill namely cost of the nominal collection insurance premium of loan, bail, activation, service fee, but also won't give you to last minutes of money, so called bank trades running water is forge beforehand.
Provide most puzzle loan bilk of the gender: Check running water, be brushed by pilfer
Undergraduate small Zhang Xin handed in a girlfriend. Have to be before cummer " face " , it is rich that Xiaozhang professes 2 generation. The girlfriend's birthday was gotten on for, anxious became bad Xiaozhang. Do not have money not to want to lose outer part again, small Zhang Jue comes through loan surely help sb to deal with an emergency. He sought a finance company on the net, the other side sends a link, let him fill in full name, Id date, mobile phone date these individual information. Xiaozhang opens a link to hesitated to be filled none.
The following day the other side contacts Xiaozhang, say its bank running water is too little cannot loan. If still consider loan, must put 5000 yuan on another piece of his card, brush running water. Small Zhang Jiao puts money to be illuminated without what risk on go to his card did.
To go to the lavatory " bank " feedback result, the bank that small Zhang Hai told him each other blocks Zhang date and code of short message test and verify. Result, did not have Xiaozhang a little while to get the 5000 yuan short message that deduct a money, still be pulled black.
Fraud uncovers secret: Bilk of this kind of loan basically is pilfer brush what the bank blocks a gang to cross a bound to commit the crime, they can gather your individual information first, subsequently with you let make money to him account for check endowment. A lot of people think to make money to him account compare safety, little imagine, after they ask for your bank to block Zhang date and short message test and verify to pile up, can be brushed through pilfer or shop on the net check endowment money possess oneself of.
Most the loan bilk of injustice: The money that lends oneself still takes money
The small Wang Zhun that the university just graduated does poineering work fully a water, be badly in need of have enough to meet need of 20 thousand yuan of capital. He hears the bank has policy to this year's unripe poineering loan, go to a bank handling loan with respect to preparation. When taking bank entrance quickly, one is worn " tool " " employee " blocked him, ask he borrows money to the bank, can deal with here yes, still need not queue up. After at that time small Li Cai observes that person " bank loan, extremely fast put borrow " brand.
Xiaowang sees the other side is worn " tool " , it is before bank door, think he is the staff member of the bank, offerred id card according to the requirement of the other side, sign on a piece of application form. Take application form " staff member " agree with Xiaowang after 15 days, xiaowang can take 50 thousand loan, but need hands in the poundage of 10% , namely 2000 yuan.
After 15 days, xiaowang found that " staff member " . "Staff member " after be being operated one time on the mobile phone in Xiaowang, gave Xiaowang 18000 yuan as expected. Xiaowang was taking money to come home cheerfully, but spent a month, received center of bank credit card to urge however return 20 thousand yuan to overdraw the short message announcement of the paragraph.
Fraud uncovers secret: Cheater pretends to be bank employee to place vendor's stand around the bank, claim to have in-house medium of communication but fast loan, it is to take your identity document to apply credit card essentially, after credit card applies for to succeed, they can use credit card of your mobile phone activation, brush line of credit with POS machine next, deduct poundage of high specified number. Actually, if be oneself,go applying credit card, need not pay any fee at all.
The most evil-minded loan bilk: Cover a road to borrow, more than want money to still drive sb. to his death
The other side passed the good friend application of small beauty very quickly, after the loan intention that understands small beauty, give immediately small beautified hair loan contract, after informing small beautiful loan to succeed, need hands in the poundage of 10% . Small beauty browsed a contract roughly to be signed. After the other side receives a contract as expected very ground of be as good as one's word hit 5000 yuan to small beautiful account, 500 yuan poundage also was hit to the other side immediately after small beauty gets loan.
After taking money, small beauty bought novice machine happily, small beauty of subsequently a few months also gives reimbursement of the other side every months on time according to the agreement all the time. But one day, she discovers connection not to go up suddenly clerk. Small beauty gets the telephone call urging a fund of finance company suddenly after a few days, because do not have,weigh her on time reimbursement, debt had achieved more than yuan 30 thousand, must the reimbursement on the horse.
At this moment, small beautiful discovery is writing on the contract at that time: If not on time reimbursement, minutely punish breath 3% . Original, the loan of small beauty is according to minute of plan breath. So tall accrual small beauty cannot repay naturally, right now the other side pretended to recommend another loan platform to small beauty kindly again. Small beauty does not have method, money must borrow to repay on platform anew loan, and the interest of new platform is likewise considerable.
Be less than the time of a month so, after benefit rolls profit, the loan of small beauty had been achieved hundred thousands of. The person that small beauty is demanded repayment everyday forces have no way out, and those people still threaten if small beauty does not return money to demand repayment with respect to the parent that looks for her, teacher.
Fraud uncovers secret: This kind is apparent " cover a road to borrow " , cheater carries production bank running water, sign a contract to secure lawful testimony, make break a promise intentionally next, let you return not the name of the recipient, the contract that before be being taken again, signs collects high specified number to punish breath, often a few months can be owed about a hundred 10 thousand. After high on your back specified number borrows money, again incidentally embezzle all belongings such as your house property, car.
The absurdest loan bilk: Want to sell door get clear vacancy to spend first
The Xiaolin that the university graduates receives one each suddenly to say some learns to borrow the phone of the staff member of App, the other side signs up for clearly in the phone above all come out the individual information such as Xiaolin's full name, Id date, together with Xiaolin downloads really during the university and had registered the Zhang name of this App, believe to the word of the other side. As a result of,then the other side expresses at present Xiaolin already the university graduates, enquire whether she wants to cancel order of be in debt, perhaps turn for on-the-job Zhang date.
If,the other side tells Xiaolin need not, must cancel account, otherwise if the job that may not come to her, life causes an effect. The other side of small Lin Ting so say urgent at that time, ask the other side to help immediately cancel account. Immediately of the other side offerred to Xiaolin " customer service " QQ date, letting small Lin Lian is " customer service " deal with " annul door " formalities.
Small Lin Zaitian is added " customer service " after QQ, "Customer service " tell Xiaolin, cancel Zhang date to need to confirm this person identity, want to download an App first, spend the loan specified amount above to clear but. Then the Xiaolin requirement according to the other side, downloaded some loan App, show small Lin Ke borrows remaining sum to be 8000 yuan above, xiaolin according to " customer service " requirement, borrow 8000 yuan entirely, the kind that repass small letter sweeps a code turns 8000 yuan Zhang gave opposite party. Later " customer service " say again, need undertakes on other App similar operation just can cancel Zhang order, accordingly, xiaolin according to " customer service " the requirement downloaded many loan App hand-in-hand travel operation, turn early or late in all Zhang 26890 yuan.
Xiaolin is in later of family remind next discovery incorrect interest, want to contact " customer service " when, the other side has pulled Xiaolin black. Until at this moment, small Lin Cai realizes he was cheated!
Fraud uncovers secret: Cheater got individual loan information through illegal channel (it is college loan platform more) , pretend to be personnel of customer service of this loan platform to give the personnel that ever had been registered or has borrow on this platform to dial a telephone again, they can have graduated with national policy requirement, victim leave school as excuse, if sell a likelihood general not in time,emphasize at the same time to the injured party ask for a letter to cause an effect, thereby prevail on the injured party is sold door. Once the injured party agrees to sell door, cheater can borrow money with clear sky the forehead spends ability to enter door of be on sale to ask the victim undertakes assorted, it is actually one step by step coax victim undertakes turning Zhang remittance.
Beijing turns over bilk center to remind: Hold to standard loan to take strict precautions against network, telecommunication to promote. Those who affirm loan orgnaization is normal with lawful sex. Before loan, can do a dot to investigate the work to loan orgnaization, see these be being hit bank, small the company of brand of platform of service of finance company, loan, it is normal orgnaization, lest by black orgnaization flicker.
Hold to normal loan technological process. Some people feel oneself " the dish that is not a bank " , do not borrow money by groovy application, this offerred operation space and opportunity to cheater undoubtedly, true loan certainly will should take normal course. Take strict precautions against those to wait for the person that promotes loan through network, phone only.
Fee does not pay easily before loan. Normally financial orgnaization is to beginning to extend ability collection is corresponding after loan charge. If somebody asks to pay fee ahead of schedule, that is about vigilant!
Origin │ Heibei is on guard deal with to collect money illegally
Gao Peng of editor │ Li Jutao is exhibited
Read and edit │ Xing Jianjun
