Loan 10 thousand and 3 has 10 thousand sign to buy mobile phone contract by installment Mr. Chen is (Chongqing) Zhongxian people, 32 years old, working in the main city. In February 12th this year, Mr. Chen was badly in need of money at home, and contacted a small loan company through roadside advertising phone. Customer service told him that the loan was unsecured, and the interest rate was low, averaging ten thousand yuan to collect 100 yuan interest. In the afternoon, Mr. Chen came to the third floor of Shiqiaopus brain communication company. The clerk in charge of the reception told Mr. Chen that the way to loan the loan was to buy a mobile phone installment loan, and Mr. Chen was going to sign a contract in the form of payment by installment. Later, the salesmen handed in three contracts, which were probably: Mr. Chen bought 13000 Apple mobile phones in his company, which was paid in installments. After signing, the companys salesman took the name of Mr. Chens mobile phone, identity card and bank card in the name of loan need and took it to a car. Mr. Chen looked at the first two people with his own mobile phone and a bank card operation, and took out a POS machine to ask Mr. Chen to enter the bank card password. The reason is that the loan needs to be examined by Mr. Chens bank card running water. Mr. Chen takes care of them one by one. More than ten minutes later, the clerk told Mr. Chen that he had already lended 6000 yuan to his bank card. Mr. Chen was shocked. Instead of saying 13000 yuan, how did he become 6000? The other side explained that the amount deducted was the first payment of mobile phone, and the ferocious force forced Mr. Chen to take 6000 yuan or leave three mobile phones. Mr. Chen immediately said he wanted to call the police. At that time, the other sides attitude was softened and he said he would like to return Mr. Chen to 4000 yuan. Mr. Chen, who had no choice but to agree, felt that although he lost 3000 yuan, he should buy a lesson. Path: embezzlement of the victims bank card loan Mr. Chen unsurprisingly, one month later, he suddenly received a strange phone call, telling him that he had a 30 thousand yuan loan last month and 2200 yuan for this month. After the shock, Mr. Chen immediately looked at the bank card, and found that there was a small loan company in the afternoon of February 12th that turned to 30000 yuan to his bank card two times, but he was immediately brushed away. Recalling the weird days of the day, Mr. Chen thought he was routines. He immediately rushed to the communication company of the company. Unexpectedly, the staff actually refreshed to admit that in addition to Mr. Chen handling mobile phone installment cash, but also secretly used Mr. Chens mobile phone and bank card to the small loan company to borrow 30000 yuan into his account. As for what money the 30000 yuan is, they will not give any explanation. However, the staff threat that mobile phone installment loan cash is illegal, and the alarm is not good for everyone. Subsequently, seven or eight strong men of the company enclose Mr. Chen. The 30000 yuan loan can only be refunded to Mr. Chen for 16000 yuan, and Mr. Chen needs to stand by Mr. Chen to show that there is no debt relationship between the two sides. Under the strong pressure of the other side, Mr. Chen was forced to sign his name and date on a blank sheet of paper. In this way, Mr. Chen not only lost 3000 yuan of mobile phone cash, but also to the small loan company to repay the remaining 14000 yuan of the principal and interest, all of these money into the hedge unlawfully purse. After coming out of the company, Mr. Chen immediately called for help. The suspects confessed the five routines After receiving the alarm, the Jiulongpo police quickly investigated the case. After careful arrangement, a huge criminal gang in Shantou, Guangdong, has completely emerged. In April 18th, the Jiulongpo police seized many networks at the same time throughout the country, and carried out a thorough suppression of the hideout hideout of the gang members, and arrested more than 290 suspects. It is understood that most of the gang members came from Shantou, Guangdong, many of whom were introduced by their fellow townsmen. According to a suspect, their specific ways of committing crimes are mainly in the following categories: One is to pay a high amount of fee. Mr. Chen encountered high first payment, that is. The four is credit card arbitrage: the suspect uses the victims mobile phone to bind the bank card, after the owner is unauthorized to raise the amount, using the POS machine to brush the cash, and falsely call it to help the victim to deal with the loan. According to the suspect, once the victim wants to call the police or to the industry and Commerce Department for help, they will return a part of the funds to the victim, in order to reach the goal of avoiding the attack. At present, the case is being further investigated. The police also remind the general public that the victims of hedge loan cases are mainly young and middle-aged between 20 and 50 years old, most of the victims have real estate under the names of victims, poor self-control, irrational consumption, lack of legal and financial common sense, easy to be deceived into the set. In addition, most of the victims of the bank loan credit is low, it is difficult to obtain loans from the regular channels, transfer through the street advertising and Internet media unsecured loan information, or introduced by others to be decoy loan. The identity card of the victim, the house property certificate and the loan, the loan contract and so on are detained by the criminal gang, and the personal information and the address of the property are also mastered by the criminal gang. Therefore, to prevent routine loans, the most important thing is not to be greedy for petty advantages. In addition, the public should pay attention to the following issues when handling loans. First of all, do not easily trust the unsecured loan that you volunteered to call, the days loan and so on. The lenders put the safety in the first place, and behind the unmortgaged, the original mortgage of your life, body, reputation, family, school, work, life and so on. How easy it is to borrow, and how hard it is to rush money. At the same time, we should also understand some common sense of law. For example, according to the twenty-sixth provisions of the provisions of the Supreme Peoples Court on the application of laws on private lending cases in September 1, 2015, the interest rate agreed by the borrower and the borrower is not more than 24% of the annual interest rate, and the borrower should ask the borrower to pay the interest according to the agreed interest rate, and the peoples court should support it. The interest rate agreed upon by the two parties is more than 36% of the annual interest rate, and the interest agreement over the part is invalid. The peoples court shall support the borrower requesting the lenders to return the 36% part of the interest that has been paid over the annual interest rate. This knowledge is very simple, but it can help you identify many routines effectively. When signing the agreement, we must also carefully examine the relevant provisions and guard against entering the set. Any place that is inconsistent with the oral agreement must be rejected and the true meaning written in the contract. Many people sign an agreement and do not look at it. If they hear the other side, they will sign. This carelessness is also an important reason for the loss. The police also warned that once the citizens were routines, the following measures should be taken immediately: it was found that the hedge loan should be immediately put on the record, and the first time to provide assistance to the lawyers request. At the same time tell your loved ones and friends, do not hide because of fear or face saving. Stop the loss immediately after finding the problem, seek professional legal advice and seek remedial measures. When a person can not find repayment, it is likely that the criminal suspect deliberately lets the victim break the contract. He should advance the notarization of the deposit. In case of violence, it should be reported immediately, and preventive measures and evidence collection should be done ahead of time. Source: Chongqing evening news editor: Zhang Xianchao _NN9310 When signing the agreement, we must also carefully examine the relevant provisions and guard against entering the set. Any place that is inconsistent with the oral agreement must be rejected and the true meaning written in the contract. Many people sign an agreement and do not look at it. If they hear the other side, they will sign. This carelessness is also an important reason for the loss. At the same time, the police reminded that the public should take the following measures immediately if they are routines. It should be reported to the police immediately when it is discovered that it is routed loan. At the same time tell your loved ones and friends, do not hide because of fear or face saving. Stop the loss immediately after finding the problem, seek professional legal advice and seek remedial measures. When a person can not find repayment, it is likely that the criminal suspect deliberately lets the victim break the contract. He should advance the notarization of the deposit. In case of violence, it should be reported immediately, and preventive measures and evidence collection should be done ahead of time.