Criminals pretend to be bank staff to induce consumers to sign car loan trap contracts, and then try every means to get them to breach the contract...

Take a loan to buy a car, beware of the trap of "routine loan"!

　　"This kind of'car loan routine loan' makes illegal profits under the guise of borrowing. The fraudulent methods are deceptive and seriously endanger the interests of the masses. More than 800 people across the country have been victimized." On November 3, Guangxi Beihai City Public Security Bureau held a press conference. At the press conference, it was introduced that the public security organs of Beihai City detected the first case of "car loan routine loan" involving evil in Guangxi.

Settled arrears but was extorted

　　Earlier this year, Mr. Liu, who lives in Beihai City, reported that he had borrowed 105,000 yuan in the name of Xiong on June 8, 2020 to purchase a 2013 BMW 5 Series car.

In December of the same year, Mr. Liu overdue repayment, and then the car disappeared, only received a text message: "Because of your overdue repayment, the car has been urged back by our company, please go to the XX building of an auto parts city in Nanning for processing in time ."

　　Mr. Liu arrived as scheduled and said that he had paid the debt and wanted to get the car back.

But the other party said: "You have breached the contract. According to the contract, in addition to paying off the arrears, you must pay 30% of the total loan and 17,000 yuan towing fee, a total of 47,000 yuan, otherwise you cannot get the car back. If we deal with it, we will sell the car to repay the debt." After repeated communication to no avail, Mr. Liu felt that he was being blackmailed, so he asked the police for help.

　　On March 8 this year, the Beihai City Police officially filed a case for investigation.

The investigation found that the criminal group pretended to be a bank staff member and induced the victim to sign a trap contract with high liquidated damages and towing fees.

If the victim repays the loan late or in a lump sum in advance, the agency will be deemed a breach of contract, and the vehicle will be secretly driven away and concealed with a spare key prepared in advance, and then extorted, demanding high liquidated damages and towing fees.

More than 800 victims

　　According to the police, the car loan trap contract not only allows victims to face high breach costs when they breach the contract, but also acts as a cover when victims report to the police, allowing the police to mediate such cases as economic disputes.

After investigating similar police conditions, the police found that there were dozens of police records directed against the criminal gang in Guangxi, causing great harm to the masses.

　　On March 29, the task force arrested criminal suspects in Hunan, Guangxi and other places at the same time, and launched a search on an automobile service company in Guangxi involved in the case. A total of 9 suspects including Huang Mou were arrested and 9 people were detained. Seizure of two cars involved in the case, more than 800 car keys, more than 200 fake official seals of agencies, enterprises and institutions, a seal machine, a large number of physical evidence and documentary materials such as contracts, ledgers, customer information, and counterfeit bank work certificates, were frozen. The capital is 1.72 million yuan.

　　According to the confession of the criminal suspect Huang, a Guangxi Automobile Service Co., Ltd. he runs is superior to Zhejiang Moheng Automobile Sales Co., Ltd. This company is responsible for professional "business training" for company salesmen, including how to mix into "trap contracts", etc. .

　　After 7 months of arduous investigations, all 46 suspects from 4 groups in the criminal industry chain were arrested. The task force recovered more than 20 vehicles involved in the case, recovered more than 6 million yuan in losses, and solved racketeering, fraud, and provocation cases. There were more than 100 criminal cases, including cases of forging official seals, etc.

According to the Beihai police, the case involved more than 800 victims in Beihai, Qinzhou, Fangchenggang, Zhejiang, Fujian and other places. The case is still digging and expanding.

Loans should go to formal financial institutions

　　According to the police, car loan routine loans often use slogans such as low interest rates, no car escort, and same-day loans. Default is the most common method of car loan routine loans. For borrowers who repay on time, routine loan gangs will try to make them default.

　　Yang Zhenhai, head of the Criminal Investigation Detachment of the Beihai Public Security Bureau, said in a media interview that the victims often signed the contract without looking at the specific terms of the contract or even signed a blank contract due to the eagerness of the loan and the suspicion that the contract terms were troublesome. It was only after being towed that he was deceived.

　　The public security department reminds consumers that loans should go to various banks and other formal financial institutions, and that individuals, intermediaries, and companies without financial qualifications and their various types of non-interest, non-guaranteed, and non-secured advertising information issued by them should not be trusted.

When signing a loan contract, you must carefully review the relevant terms and beware of getting into the set.

Once you find that you have encountered a "routine loan", you must report it to the police in time and protect yourself with legal weapons.

Don't fall into the trap of "routine loans" for fear of being intimidated or threatened by lawbreakers.

　　Our reporter Pang Huimin Our correspondent Jiang Shaoxuan