"Cover a road to borrow " be a kind with " loan " for the name, the bilk means of belongings of detinue the injured party. Put the hope that borrow a person to borrower returns gold of repayment of capital by the agreement and pay high specified number interest, the purpose is to get the house property of the injured party.
Recently, CCTV reporter interviewed a few by " cover a road to borrow " the party of bilk, they use their personal experience, announced backstage dreariness truth...
Receipt for a loan 60 thousand borrow in one's hand only 6000
Xiaochen, 24 years old, during attending a college, Xiaochen spends money extravagant, owed many yuan 10 campus to borrow early or late. Xiaochen graduated last summer in returning the home, knew usurious intermediary Feng Mou through the network. Feng Mou hears old building is about to tear open change immediately in Home Xiaochen, be an ideal " cover a region " object, promise small Chen Bangta to borrow money then, the campus that before in order to is returned, owes is borrowed. July 2017, xiaochen was arrived to put the office of the Ji Mou that borrow a person by Feng Mou belt.
Xiaochen: He (Ji Mou) put forward to borrow 30 thousand, can in one's hand 10 thousand. The charge among is platform cost, accrual, still bail wants subtract, 0 broken broken subtract 20 thousand, I can in one's hand 10 thousand money. Accrual is 10 days pay, it is 3000 accrual. I pay intermediary the intermediary fee of 4000 money even. Actually I borrowed the word of 30 thousand, in one's hand 6000 money. Receipt for a loan writes two pieces even. Their view is " borrow one detain one " , wrote two pieces of 30 thousand receipt for a loan namely, gross 60 thousand.
Of this money that how lends is Xiaochen? Fall in the requirement of the other side above all, small Chen Gong signed two pieces of receipt for a loan, every pieces 30 thousand, total amount of receipt for a loan 60 thousand, and Xiaochen is taken actually in one's hand have 6000 yuan only. In addition, xiaochen pays 3000 yuan interest 10 days every even, although do not calculate benefit to roll profit, this is actual in one's hand 6000 yuan of loan, annual interest rate is 1825% . And the folk that our country law supports' leasehold annual interest rate is top be 36% .
Leasehold 10 thousand yuan write down 300 thousand receipt for a loan
Xiaochen was borrowing this to had exceeded normal and leasehold upper limit of 50 times interest rate usurious later, what to produce again?
Xiaochen: Need because of me more than 10000, borrowed that day so 6000 insufficient. Next I looked for the 2nd again through that intermediary. Also be this this form, accrual, I got more than 10000, besides the fee that pays medium next, I am remained is in one's hand probably 8000 the left and right sides.
But this is nightmare only begin, because cannot return money on time, xiaochen is put to borrow a person to be taken by this other usurious put borrow money lends over there the person, with similar tear open east the wall fills the partial debt that the brushstroke before the means of the wall remands on the west borrows money. Next later this is put borrow a person to taking small Chen Qu to look for the 3rd again, the measure is same, the debt that goes up with respect to such Xiaochen bodies by ceaseless base tall.
Xiaochen expresses, in time of a month, wrote the receipt for a loan of three in all. Lent 10 thousand money originally, receipt for a loan was written however three, carried the debt of three on the back.
However these put the end that borrows a person is not to make Xiaochen much return merely a few usurious, their ultimate goal is for diddle small Chen Jiana covers the house property that waits to tear open change.
Most borrow what money gives Xiaochen to put the Ji Mou that borrow a person first, ever used electric rod, the body of electrical shock Xiaochen, force he is homeward in repay a debt wanting money, let his genuflect be before maternal sickbed, him fan a slap on the face, the registered permanent residence that takes away Home Chen forcibly this. Not only such, the person such as Ji Mou often still comes to demand repayment, agitate gets Chen Jia " even fowls and dogs are not left in peace " . Make originally due to illness the old mother that lie in bed is in the home, the illness is sent more serious.
This year in January, the old mother that can'ts bear its faze dies in gloomy anger, as a result of outer avoid a creditor, xiaochen fails to send mom last Cheng. The funeral affairs of old mother is help by Chen Jia's kin of arrange, subsequently kin people Xiaochen of collect money side is paid 350 thousand multivariate debt. Until at this moment, the small Chen Cai of 4 avoid a creditor dare show a body, chose finally to call the police.
The policeman expresses, pass Xiaochen this case, seize the suspicion personnel such as Ji Mou, check case 12, experience record amount amounts to more than yuan 400. Discover guilty suspect commit the crime the youth that the object chooses to just step a society commonly, native of Hangzhou desolate hill and house property is in the home. They can undertake assessment to the victim, adopt loan intended base high amount, base arrives after good cause, excellent inside undertake urging a fund.
Undertake beating up to the victim, press come dun debt
This is police of Hangzhou desolate hill in the near future " cover a road to borrow " in hitting special operation, from the video that hunts down in mobile phone of suspect of a crime. Explain according to guilty suspect, they are using electric rod electrical shock at that time this borrower, force he continues other place lends money repay a debt.
The policeman expresses, to male victim, guilty suspect is used beat up, press, comminatory wait for method dun, to female victim, guilty suspect coerces its walk the street to perhaps accompany wine, to profitable reimbursement comes when compensate wine young lady inside KTV.
"Cover a road to borrow " bilk is the most crucial link: Intended base high debt
The policeman points out, all " cover a road to borrow " gang, before putting every money, can undertake to borrower belongings is investigated, make careful bilk plan and specific embezzle target. Borrower can do not have a car to do not have a room, but the parents that wants them only has a car to the room has property, it is the their good boy or girl friend that cover a region.
Intended base high debt is " cover a road to borrow " the most crucial link in bilk, that is to say the rapid growth of borrower debt, not pure it is oneself still do not go up money causes, however " cover a road to borrow " personnel lets you intentionally still do not go up, let your afterwards renew a book borrow thereby, achieve the goal that lets debt show geometrical multiple to increase inside short time.
Policeman clew, him youth should establish correct consumptive outlook, life view and viewpoint of value, not excessive the life that goes going after high spending lives with what go after luxury. Once by enroach on, want to call the police as soon as possible, be not frightened by criminal menace.
