The essence of compulsory lending is conventional lending. First, return the money that was forced to pay, and then call the police to make a record, informing relatives and friends that they were forced to pay, and they have called the police and returned the money. If someone later explodes the address book, it is a malicious collection. Ignore it.

Then contact the routine loan or wait for the routine loan to contact you, and then inform relatives and friends that the money has been returned and the police will handle it. Not afraid of being exposed, the address book has been handled by the police! Can be ignored.

To sum up, we all know that routine loans will threaten you to pay back the money by exploding the address book. The advantage of doing that above is that the money will be returned to the routine loan without loss, and then tell relatives and friends that they are not afraid of being exploded, and they have already called the police, so that the routine loan can find that their money is not lost, and the address book will not work if it is exploded. Basically threaten it twice and it's over. Even if you get through the news, you won't hit it particularly hard.

Three forms of conventional loans

"mortgage loan"

Routine loan gangs are eyeing the property under the name of the victim or his close relatives, and will let the victim use the property as collateral by inflating debts, and finally take possession of the victim's property by filing a lawsuit and applying for property preservation.

"car loan"

Routine loan gangs often use "low interest, no mortgage, no seizure of cars" as a pretext to trick victims into signing vehicle mortgage loan contracts, and then forcibly seize cars and trailers for reasons such as overdue and breach of contract.

There is also a "fast food" routine for suspects, that is, after signing a contract, they create an excuse for breach of contract without issuing loans, unilaterally determine the breach of contract, and then detain the vehicle and blackmail the victim through so-called negotiation, negotiation and mediation.

Disguised as ordinary "private lending"

The purpose of the routine loan gang is to occupy the victim's cash, deposits and other property. After confirming the profit from the victim, the suspect will take a seemingly ordinary private loan contract as bait. After the victims sign, the number will increase and the debt will increase. Finally, he will force the victim to repay through illegal detention, extortion and other means.

According to "Opinions on Several Issues Concerning Handling Criminal Cases of Routine Loan", in the process of implementing routine loan, no obvious means of violence or threat are used, and the overall behavior feature is to defraud the victim's property by fabricating facts and concealing the truth for the purpose of illegal possession, and generally convicted and punished for fraud; In the process of implementing "routine loan", a variety of means are used together, which constitutes crimes such as fraud, extortion, illegal detention, false litigation, provocation, forced trading, robbery and kidnapping. According to the specific facts of the case, different situations should be distinguished, and according to the provisions of the criminal law and relevant judicial interpretations, several crimes should be punished together or a heavier punishment should be chosen.