In February 1st of this year, Chen Hai, a 24 year old boy from Hangzhou, came to the police station for help. Save me, I killed my mother, and I got about 300000 of the debt hole in my house. Now its a dead end! Chen Hai is the East man of Dajiang, Xiaoshan, Hangzhou. His father left his life in an early age. He has always been living with his mother. Perhaps because of the single parent family, he has been longing for more attention. So, during the University, he was particularly interested in his own clothes, and he was keen to invite friends to eat and sing KTV, and the family gave him one thousand or two thousand yuan a month for the living expenses, which was not enough for him. College graduation, the debt of Chen Hai in order to repay the money, think of the way to tear down the wall, contacted the usury to know the intermediary of Feng Mou (31 years old, Xiaoshan). In early July 2017, he was introduced by Feng Mou. He came to invest in Yu Mou and borrowed money from Chen Hai for 30 thousand yuan. When the loan was borrowed, Chen Hai was asked to write 2 30 thousand yuan notes for two copies, and the above fee, interest, margin and so on were deducted from 20 thousand yuan, and Feng XX received an introduction fee of 4000 yuan, and only 6000 yuan RMB was actually given to Chen Hai. Feng and others also threatened Chen Hai and refused to go elsewhere to borrow money. When borrowing money to Chen Haizhi, Hebei and so on and so on set a small target, that is, first in Chen Hai to set up a loan of 100 thousand yuan, step by step high debt, the ultimate goal is Chen Haijia housing demolition. Chen Hai did not even think of it, at this time has been routines, continue to tear down the wall, the debt snowball superposition, half a year after the way loan more than tens of thousands of yuan. After that, the creditors began to catch up with the debt. Finally, Chen family friends and family made money to help Chen Hai pay more than 35 yuan of debt. Chen Hai was so painful and regretted that he thought of the alarm. 30 thousand to pay 8 million to return 10 thousand interest per day? Once the little rich woman had to run away from the debt everywhere. The 41 year old Lingan man ho Hua has a business room, a clothing store, and more than 500 resettlement houses that will be removed to the hands of the demolition, and is a little rich woman in the eyes of his friends. But now she is broke and still owes millions of dollars. In order to escape debts, she has not been able to go home for 7 months. Outside, she was rumoured to have lost her fortune in gambling in Macao. Some people also said she was a drug addict and lost her family property. She said she didnt even do the Hong Kong and Macao pass. She didnt even play cards, let alone drug addicts. She just took all the families in order to repay the interest on the loan. Even her family did not believe her story at the beginning. Where is the loan to ruin? It was not until the Lingan Public Security Bureau came to investigate and collect evidence on the case of routine loan that her family believed that what she said was true. See how 30 thousand turns into 8 million step by step. Last August, he had a money lent to his friend not back, and he had a loan that was due to return. He needed a turnover. Through an intermediary introduction, he knew a consignment owner Zhu and Wu. Although the other party said that the loan was 30 thousand yuan, the interest of 10 days was 8000 yuan, but she felt that he was holding 8000 yuan. It is good to have a successful turnover without owning other peoples feelings, so he readily agrees. The first step: the other side asked her to sign a contract, the contract amount was 80 thousand, the 20% day was stipulated for breach of contract, but he Hua actually got only 30 thousand yuan. 80 thousand li 50 thousand is, 10% of the intermediary fees, 10% of the margin, tens of thousands of home visits (which is the intermediary to see whether the real ability to repay the transportation fee, but the police said, these intermediaries will watch food, if the other house is big, looks rich, home visits will be very high), and interest 8000 yuan also You have to get it off first. The second step: He Hua defaults. He Hua said that he did not return 80 thousand yuan due to a few days later, according to 20% of the breach of contract gold agreement, she needed a good deal of tens of thousands of liquidated gold, plus the principal, she owed money to more than tens of thousands of. The third step: overlapping borrowing. In September, the same year, in order to repay the previous breach of contract gold, she was introduced to the intermediary, and then successively borrowed from Zhu, so she owed more and more money to Zhu, but the borrowed money was only enough for breach of contract gold and interest. With the increasing amount of borrowing, more and more interest was generated, and interest and default gold were overlaid. The snowball kept rolling, and at the end of the day, she had to pay 10 thousand yuan. She really can not, Zhu took the contract to find the door, verbal threats, trouble, and even found her parents home...... She had to sell off her own business room, resale resettlement room number to repay debts, and received more than 300 yuan to repay part of the arrears. Even so, nearly 5 million yuan of arrears can not be repaid in any case. In the end, she had to run away from home and go out to hide, hiding for more than 7 months. During that time, she hardly went out, and did not dare to call home. At first, she wanted her son, but now she could go home and dare not see her son, because she didnt know how to face her son. I could have given him a very good life. Now, I really dont know how to explain to him, and my husband is... ? After the alarm, the police unified action, the police said that, if it was indeed a hedge loan, after the court trial, he did not have to bear the original unreasonable debt. He can go home at last. Help a person to guarantee a loan of 20 thousand yuan Inexplicably backed up by 1 million 400 thousand debt, the only property being forced to pay debts. This year, 30 of the Hangzhou people who came out of this year didnt think that two years ago, because of a loan of 20 thousand yuan, the debt, like snowball, made his own huge debt of nearly about 1400000 yuan, even the only housing was forced to be in debt. In October 2016, Mr. Wang, who lives in the lower reaches of Hangzhou, received a request from his friend A to help his friend B make a 20 thousand yuan loan guarantee. Despite some doubts, but because of friends, Mr. Wang reluctantly agreed. The three went to the company to borrow money from the suspect, but the friend made an excuse to renamed Mr. Wang to lend money together. Mr. Wang said he was very reluctant, but he could not support two people. They also knelt down and promised to give him the benefits of share returns. In the end, Mr. Wang was still in a soft heart. When the loan agreement was signed, the loan was 20 thousand yuan, but the contract was 40 thousand yuan. The explanation said that 10 thousand yuan was the margin, and the other 10 thousand yuan included the cost of door, platform, and litigation. The actual loan was 20 thousand yuan, and it was only necessary to return the money in accordance with the contract. It is 20 thousand yuan, but if it is overdue, it is agreed to pay 40 thousand yuan. After signing the contract, friend Bs bank card immediately received a loan of 20 thousand yuan, and Mr. Wang also signed it. Mr. Wang did not expect his nightmares to start. Two months later, the friend B suddenly lost contact with the loan company, and he asked Mr. Wang to pay 40 thousand yuan in advance. Mr. Wang could not afford it, so he had to borrow 40 thousand to fill the previous debt. The virtual increase contract changed to 60 thousand. After continuing to delay debt repayment, the debt agreement between Wang and the other party changed from 60 thousand yuan to 90 thousand yuan, and then to 200 thousand yuan. Looking at Wang Shi is still not making money, the criminal suspect Yu Mouqing to the court to prosecute, find his family trouble and other ways of hard and hard, forcing Wang to appoint third investment companies continue to borrow 200 thousand arrears, the loan contract has become 400 thousand... After that, the other side made the same way, Wang was forced to borrow from fourth investment companies, and the amount of loans was constantly refreshed, and a year later, its debt had reached 1 million 200 thousand yuan. Mr. Wangs house in the center of the city was forced to pay debts. During this period, Mr. Wang was also subjected to verbal threats, illegal detention and assault corporal punishment. Sister, think about a low interest loan? Brother, is there any money needed? Is there a lot of sales calls like this? Be careful, it may be a trap. A low interest loan sales call, Randomly distributed loan advertisements, small net loan platforms... Hidden planes and routines are hidden A strange phone call to sell low interest loans, random loan advertisements on the roadside, small loan platforms with mixed loans. These are probably routines. There are differences between routine loans and usury and general private lending. Legal private lending is in the scope of the interest rate stipulated in the law; usury is aimed at obtaining high interest; the purpose of the loan is not to eat the principal and eat the interest, but by setting the set step by step, and eventually illegally possessions of the victims, which is essentially an illegal crime. Most of the loans are gang operated. Some even set up companies. They also have managers, finance, business commissioners, and legal posts. According to the cases detected by public security organs, there are three main types of loan. One is mortgage. In this kind of case, the hedge group stares on the victim or the property under its close relatives. Through the virtual increase in debt, the victim will let the victim make the property as a mortgage, and finally take the property of the victim by filing a lawsuit and applying for the preservation of the property. The two is car loan. Such cases are targeted at victims of vehicles, especially luxury cars. The group often tricked the victim to sign a vehicle mortgage contract under the guise of low interest, no mortgage, not buckle the car, and then, with overdue, breach of contract and other reasons, buckle the car and trailer. In the car loan, there is also a kind of routine called eating fast food within the suspect, that is, after the contract is signed, the excuse for breach of contract is made in the absence of loans, the unilateral determination of default, and the subsequent detainment of vehicles, through the so-called negotiation, negotiation, mediation and other means of extorting the victims. The three is disguised as ordinary private lending routine loan. In such cases, the purpose of the group is to occupy the cash, deposit and other property of the victim. After confirming the benefit of the victim, the suspect will take a seemingly ordinary private loan contract as the bait. After the victim has signed it, the victim will add the code, increase the debt, and then pass the illegal detention, extortion, and other hands. The paragraph forced the victim to repay. How is the way loan down? According to the police analysis, routine loans to victims are usually carried out according to the following routine: The first step is to solicit business in the name of small loan company. Second step: sign a blank contract. The third step: creating a chain of evidence The fifth step: malware to borrow high to borrow money. The sixth step: the hard and soft debt. What are those people doing routine loan fraud? According to the police cases, some of these swindling personnel have had the experience of the gun (usury), and some from all walks of life. For example, there was a courier team, and the boss found the way loan to come to the money quickly, so the whole team changed to do this. These companies often have complete procedures and neat personnel structure, and are clothed in regular companies. How does the common people judge and guard against routine loan? The essence of hedge loan is a crime. The criminals who carry out the way loan often use the borrowers anxious money but cannot borrow from the regular financial institution, borrow the so-called loan business, and set up a low threshold default condition high amount of breach of contract contract, and make various reasons to identify the victims breach of contract and to deal with the vehicle. To blackmail the victims property. The discovery of these features should be more vigilant. First, the loan conditions are especially good. If the conditions given by a loan company are particularly attractive, such as low interest rates, low interest, no mortgage, no buckle of the car, there will be a number in the heart at this time, and the sky will not lose the pie. Two, the signing of the Yin and yang contract. The contract amount to you is not in line with the actual amount. Three, unilaterally cognizance of breach of contract. If the other party unilaterally unreasonably defaulted and undisputed, then 80% encountered routine loan. Police said that if a similar situation is encountered in the process of private lending, we must be vigilant and retain evidence in the premise of ensuring safety and give timely warning. In addition to the above routine There are some loan traps to be on the alert. Its too easy to borrow money on a network loan platform She borrowed and borrowed it. Tell me about my own experience. In the previous period, I suddenly received more than ten odd phone calls from Guangzhou, Shanghai, Beijing, and some people were polite, some people came up and scold, and it was very difficult to speak. After initial confusion, I finally found out that all of these calls were looking for a person. This person is my friend Jun (alias). Xiao Jun was 22 years old, reading a college, and at school, the results were not outstanding. When she graduated quickly, she found that it was not so easy for her to apply for a job. After more than a dozen times, she finally applied for a Internet Co in Hangzhou as an executive. The first 6 months of the company is an internship period, not salary, only 1500 yuan per month subsidies, she does not want to go to work on the road too much time, and then the company near the company to rent a house, the monthly rent of 1200 yuan. Jun also thought of borrowing money, but no one around him would lend her money. Until one day, she saw a net loan APP advertisement in the advertisement screen downstairs. Suddenly, you can borrow some money on the platform first. Net loan procedures are very convenient, do not need to review the assets, as long as the name, telephone, address and other basic information, and then take a card with a positive picture of the identity card. However, the other side also told Xiao Jun in advance that if the debt was due at the time of maturity, she would notify her family members and friends, and even take legal channels. In order to ensure that she would repay, the other side also copied all contacts information in her address book. Jun thought that the money was almost enough, and he did not argue with the other side much. When the rent was paid, he lost his mind. He ate and played with his colleagues and friends every day for three months. ? Now think of it, net loan is a difficult thing to do. Jun later told me that he was in school before, life is very monotonous, and after working out to find out, there are so many fun outside, to do nail, to KTV singing, secret room escape, all need to spend money. She also began to buy facial mask and new clothes, and the subsidy of 1500 yuan was less than a week after she was released. Soon after the time of repayment, Jun did not have a deposit. In order to pay back the money, she downloaded another net loan APP and borrowed money to fill the hole. In this way, more than half a year, the more money rolled more, those small loan platforms are almost all by the king, and if she cant borrow money, she is dragging, not answering the phone, and not paying. Later, I could not find her. I quit my rented place and quit my job. WeChat and QQ cancelled them. 4 months later, Xiao Jun changed her phone number and appeared again. She said that she had only borrowed twenty thousand or thirty thousand yuan before, but she did not know why. The last seven counted eight figures, which added up to about one hundred thousand. She tried to run back to her hometown, but the family was not at peace, and her parents phone was all exploded by the net loan company. Juns father was ill. His mother borrowed all the relatives from her family and paid the money for her. In October 2017 Miss Chen called: my brother loan, now 300 thousand, and then several friends around him are involved, brother in Hangzhou study, later to pay interest even tuition fees can not afford. Mr. He called in April 2018: I borrowed hundreds of yuan from a company and borrowed it at college. Now, I need a few million yuan. I still bite my teeth. But they also said I didnt return it, and sent a lot of friends to me, which had a great impact on my reputation. The police remind the masses of the public, the loan should go to the regular financial institutions such as all kinds of banks, and do not believe in the advertisement information issued by the individual and the company without financial qualifications. If we encounter routine loan, we should preserve relevant evidence as far as possible and report to the police in time. Source: news night duty editor: Gu Ying _NN6577 Miss Chen called in October 2017. My brother loan, now 300 thousand, and then several friends around him also involved, brother in Hangzhou study, later to pay interest even tuition fees can not afford. Mr. He calls in April 2018. I borrowed hundreds of dollars in a company and borrowed it when I went to college. Now, I need a few million yuan. I still bite my teeth. But they said I didnt return it and sent a lot of friends to me, which had a great impact on my reputation. The police remind the masses of the public, the loan should go to the regular financial institutions such as all kinds of banks, and do not believe in the advertisement information issued by the individual and the company without financial qualifications. If we encounter routine loan, we should preserve relevant evidence as far as possible and report to the police in time.