西湖股份

Recently, the Guangzhou Tianhe Police has launched a concentrated attack to conduct a comprehensive net collection of evil-related gangs suspected of illegally lending and collecting debts against taxi drivers. After continuous struggles, the police in Tianhe District and Baiyun District went to Beijing and arrested 9 criminal suspects such as Zhang and Wang. On the spot, they seized more than 500 loan contracts, and the taxi qualification certificate and driving certificate of the victim A batch.

Borrowing ten thousand yuan is not paid off

In August 2018, the taxi driver Mr. Jian (pseudonym) sent the guests to Wushan and received a small card from a man when he waited for a red light at the intersection.

"No interest, no deposit, get it soon ..." The small lines on the ad made Mr. Jane feel moved. Because he was short of money and did n’t want to borrow from his loved ones, the micro-loan on the card was fast, and it was a good way when the funds were tight, so he called Zhang ’s contact number on the card.

Mr. Zhang readily agreed to "no problem" and asked Mr. Jian to bring his ID and drive a taxi to the intersection of Dongguan Zhuang Road to wait. After meeting, Zhang checked Mr. Jian's documents and then took him to the rental house he rented.

Mr. Jian loaned 10,000 yuan to Zhang, and he needed to deduct a handling fee of 2,000 yuan. The daily interest was more than 120 yuan, and a total of 15,600 yuan was repaid after two months. In the meantime, Zhang Mou said he was guaranteed to receive the repayment on time, and he needed to sign a loan contract of 20,000 yuan, and provide his family's address and relatives' phone. Zhang said that this is an "industry rule", and the contract will be automatically voided when the money is paid on time.

In the next two months, Mr. Jian needs to repay 260 yuan per day on WeChat. Sometimes when the taxi business is sluggish, Mr. Jian applies for repayment in the future, but he has to pay a 10% penalty. When he felt the difficulty of repayment, Zhang recommended that he find another loan from fellow Wang. The second loan is actually "new note to old note". Mr. Jian borrowed 15,000 yuan. After deducting the handling fee and returning Zhang's loan, he received more than 5,000 yuan.

"This time, I paid about 400 yuan a day, and I persisted for more than 10 days. I couldn't insist on paying it every day. Zhang called to notify me of the breach of contract, and I would first pay the penalty. Later, I knew that Zhang would take someone to live with me. Where I had to go, I had to hide, and when I went back, I found that the doors were broken by them. "

"Don't pay the money, you're welcome" "Wait and see, we'll go to school to find your child" ... Mr. Jian's mobile phone has received various threat messages one after another. In November 2018, he was really disturbed to report to the Wushan Police Station of the Tianhe District Public Security Bureau. He told the police that the dunning phone number actually called his old mother, and the vicious language made the old man's hypertension relapse and fainted by his family. Send to hospital for treatment.

Four-step loan "Routine" for gangs to hold taxi drivers

After receiving the report from Mr. Jian, Tianhe Police quickly launched an investigation. The police investigation found that most of the taxi drivers who borrowed had a bad gambling hobby. The criminal gang used this to distribute loan cards specifically for taxi driver groups. Drivers who lose money will borrow money from the contacts of these small cards and eventually get caught in their trap. Recently, the Tianhe police killed the gang, and currently has a preliminary grasp of more than 100 victims.

How did the criminal gang entangle the taxi driver step by step? Tianhe police sorted out its process.

Step 1: Find the target. "Signed at the time, paid at the time, the amount was up to 1,000, and the cap was not capped." "Credit loan, the most flexible repayment, the most money received, no dividend, no handling fee, no deposit, 24-hour wealth hotline: 138 ..." For the small advertisements, the suspects sent about 500 copies a day. The target of the distribution was the taxi driver. The main place of distribution was the traffic lights at the railway station, high-speed rail station or traffic jam.

Step two: see people and see the car. After the borrower contacts, the criminal suspect will make specific requirements. The borrower must hold a certificate such as a formal taxi company qualification certificate, so that they have a fixed income every day before they can guarantee repayment. After the two sides negotiated, the driver took all the documents and drove the taxi to the suspect's designated location.

Step 3: Sign a "virtual high" contract. Using the borrower's eagerness to borrow money, he signed a contract that was falsely higher than the actual amount of borrowing on the ground of "guaranteeing the borrower to repay on time."

There are two ways for the gang to borrow: 10,000 yuan to sign a 20,000 yuan contract and pay a handling fee of 2,000 yuan; 15,000 yuan to sign a 30,000 contract and pay a handling fee of 3,000 yuan The term is two months, and the interest is calculated on a daily basis (a loan of 10,000 yuan and a daily interest of more than 120 yuan), and 10% of the liquidated damages are not repaid. There are also two ways of repayment, the daily repayment, weekly repayment, even the interest with the principal or the interest first and then the principal.

Step 4: Force debt. In the process of signing the contract, in addition to asking the borrower to provide all the documents, the criminal suspect will also ask for the detailed address of the borrower and his family, and provide telephone numbers for more than 5 relatives. To verify whether the call is true, the borrower needs to turn on the speaker in front of the suspect to dial the relative's phone call.

When the borrower is informed of the inability to repay, the suspect will insult the borrower and his relatives and friends by telephone or text message, putting mental pressure on the borrower. If the collection is not successful, it will take measures such as home nuisance, paint splashing, and illegal detention to force the borrower to repay the money.

The police reminded: When citizens need loans, they should correctly assess their repayment ability and choose regular institutions such as banks to apply for loans. Don't believe in small cards or phone calls such as unsecured loans and loans on the same day. When signing the agreement, the relevant terms must be carefully reviewed to avoid falling into the trap of “routine”.