In February of this year, Mr. Liu, who lives in Longkou, accidentally saw a loan advertisement pushed by a friend-you can lend money on the same day without taking a car, taking a book or installing GPS. Desperate for money, he contacted the advertiser and sent his own vehicle information, and the reply was that he could borrow money.
On the morning of February 2065438+17, Mr. Liu came to an office near the power plant in Zhifu District, Yantai. A man named Li received him. After checking the car, Mr. Li told him that he could borrow 230 thousand. After paying part of the down payment, evaluation fee and GPS installation fee, Mr. Liu actually got a loan of more than 654.38+0.5 million. After the two parties reached an agreement, the other party informed Mr. Liu that it was necessary to sign a guarantee contract, and to sign the contract, it was necessary to submit copies of personal real estate license, personal credit record and professional income certificate.
"I didn't receive the notice in advance, and I was completely unprepared. Their staff brought these three materials to me. " Mr. Liu said that the staff said that these three materials have templates, and with them, it is easier to get loans and increase the loan amount. So Mr. Liu signed the three materials respectively. After completing the formalities, Mr. Liu signed a guarantee contract under the guidance of Mr. Li. Mr. Liu recalled that when signing the contract, six or seven people interfered and kept urging the signing. There is no time to read the details of the contract.
Just after completing all the formalities, Mr. Liu got the loan after deducting the deposit and other expenses. A * * * 1.5 million yuan, which is also proved by video. According to the agreement, Mr. Liu's car was driven away to install GPS, and he was told to wait for a phone call to pick up the car that afternoon. After waiting all afternoon, Mr. Liu didn't get a call. He called to ask and was told to wait another two days.
Two days later, on February 16, Mr. Liu went to pick up the car again, but was told that because the materials provided were untrue, Mr. Liu had breached the contract, either the car was detained or the money was paid to replace it. "I could have borrowed 230,000 yuan, but I got 1.5 million. Only after two days, I have to pay back 260 thousand yuan to get the car back. " Mr. Liu was suddenly blinded.
It turned out that there was a clause in the contract that he didn't read at all, that is, those who provided false materials would be confiscated 25% of the deposit and charged 15% of the liquidated damages.
Knowing that he was cheated, Mr. Liu quickly reported the police.
After receiving the police, the police of Zhifu Public Security Bureau discovered that Mr. Liu had many similar experiences in recent months, and 14 people reported the case one after another. ...
At this time, the elite forces of the second group of Sword Action of Zhifu Branch also intervened in the case. In order to grasp the complete chain of evidence, the police destroyed the gang in one fell swoop, made a serious inquiry to the people who came to report the case, conducted a detailed investigation and sorting out the transactions of the gang, and finally grasped and determined the fraud crime facts of the fraud gang. March 2007 1, 2065438, Zhifu police sword task force knocked out the criminal gang that was cheating, * * * arrested 9 suspects and seized the stolen car 18, involving more than 2 million yuan. The case is under further investigation.
A small loan criminal gang headed by Meng, Liu and Wang gradually surfaced. Among them, Meng is the main person in charge and has been dealt with by the public security organs many times for intentional injury. At the end of 20 16, bent on making money, he wooed several 90-year-olds and started to do microfinance business. Liu is the general manager, responsible for leading his "company business personnel" in specific operations. Wang is mainly responsible for evaluating vehicles and other businesses. The staff who received Mr. Liu claimed to be surnamed Li, and it was Wang.
As early as the end of 2065438+2006, Meng and his gang issued unsecured loans through friends circle and other channels to attract victims. Once someone takes the bait, they will fall into their elaborate trap: first, encourage the borrower to sign the contract without knowing it, and then take the owner's key in the name of installing GPS and never return it; Once the borrower comes to the door and wants to redeem the car, he must pay the loan amount and liquidated damages according to the contract, and compensate for the losses.
According to the criminal suspect, most of the borrowers are from other places. After the borrower comes to Yantai, Meng and others will tell them that they need to prepare these materials. At this time, most people can't provide it, so Meng took out the materials prepared in advance and asked them to sign directly. Some people suspect that the loan company will not review the information they provide and can increase the loan amount.
As for the content of the contract, Meng said that they would not give the borrower a chance to read the contract, and every time they signed the contract, someone would interrupt them. In this high-pressure situation, customers have no chance to read the contract at all, and many people hastily signed it.