New scams of "write off campus loan" appeared in many places
Our reporter She Ying
Recently, new scams under the name of "writing off campus loans" have appeared in many places across the country. Many college students who are currently in school and have just graduated have been "successful". The amount defrauded ranges from a few thousand yuan to hundreds of thousands of yuan. The impact is very bad.
According to statistics from research institutions, in the first half of this year, more than 288,000 negative public opinion information related to online loan fraud were monitored. Among them, nearly 93,000 scams involving “cancellation of campus loans” accounted for 32.14%.
On October 26, the China Consumers Association issued a consumer warning, reminding young students to "brighten up" their eyes and guard against all kinds of bad "campus loan" traps.
New scam of "write off campus loan"
On October 8, Xiao Chen from Yangzhou, Jiangsu suddenly received a call from customer service who claimed to be a certain loan company. The other party claimed that Xiao Chen had borrowed a 9,000 yuan "campus loan" while he was in college but had not repaid. Now the country is vigorously rectifying campus loans , If Xiao Chen does not return it, it will affect his personal credit.
Although Xiao Chen did not borrow a campus loan during school, the information provided by the other party was very accurate, which surprised Xiao Chen.
The other party suggested that Xiao Chen's loan record would be cancelled as long as he did what he said, and his personal credit would not be affected.
Under the guidance of the other party, Xiao Chen applied for loans from multiple APPs, and finally applied for 3 loans totaling 65,000 yuan.
Subsequently, according to the request of the other party, the loans were transferred to the accounts of three strangers.
After Xiao Chen operated as required, the other party asked him to delete all the downloaded apps.
At this time, Xiao Chen realized that something was wrong, and quickly opened the previous loan APPs one by one for verification, and found that the loss was more than 60,000 yuan.
According to the reporter’s understanding, the fraudulent methods of “cancellation of campus loans” are mainly divided into two categories. One is for those who have registered online loan platform accounts or have loan records. The second is for unregistered online lending platform accounts or no loan records. The scammer claimed that “your identity information has been stolen and registered an online lending account, and you need to cooperate with you to cancel, otherwise it will affect your personal credit.”
Since the fraudster can accurately tell the other party's real name, ID number, school name, and even consumer records and other private information, it is easy for students to relax their vigilance.
Some scammers also took the initiative to show their identity documents, badges and other information to the students to gain trust, resulting in the students eventually transferring all the loans withdrawn from the online loan platform to the "checking account" provided by the scammer, which is actually a fraud Person’s personal account.
"Routine loans" and so on emerge in endlessly
In recent years, the state has stepped up its efforts to rectify unhealthy “campus loans”. In order to evade investigation and punishment by the regulatory authorities, some illegal institutions have changed their faces, and some have used “training loans,” “start-up loans,” “jobs and graduation loans,” and “graduation loans. Wait for the banner, adopt more covert marketing methods, continue to lend illegally to college students; some put on "vest" such as installment shopping malls or loan supermarkets as a cover, the essence of which is still a bad "campus loan" trap.
Take "routine loans" as an example.
College student Xiao Li wanted to buy the latest mobile phone, so he found a company's online loan platform through an advertisement forwarded by QQ group.
After providing relevant information, a 5,000 yuan loan was successfully processed.
Because Xiao Li was unable to repay the loan on time, the interest rate was getting higher and higher, and the loan increased from 5,000 yuan to more than 100,000 yuan in just 6 months.
Because of fear, Xiao Li kept it from everyone until the threatening text messages appeared on the phones of family and friends one after another, and the door of the house was also splashed with paint, with the words "debt not repaid, intolerable".
In the end, Xiao Li chose to report the crime.
An investigation by the public security organs found that the company "routines" more than 700 college students within a year.
Lenders trick college students into signing a loan contract with a false amount, deduct the advance payment on the grounds of audit fees and security deposits, falsify the bank flow of funds and inflate the loan amount, and conduct violent debt collection.
In the end, the court sentenced the company's 11 defendants to imprisonment ranging from 1 to 8 years for fraud and extortion.
"Taoludai" generally publishes small advertisements through WeChat, QQ, Weibo and other social media frequently used by students or in student-intensive areas on campus, and declares "no threshold, zero interest, and no guarantee". It is very attractive.
Once the students are "on the hook", these illegal lending companies will quickly handle loans for the students, and "set up a set step by step" by setting contract traps, issuing IOUs much higher than the loan amount, and deliberately making students overdue.
If the borrowing student is unable to repay the loan, the lending company may take the initiative to introduce another lending company and repay it by "removing the east wall to make up the west wall", which will make the students’ debts grow bigger and bigger; or use telephone intimidation, Violent debt collection by means of containment and interception.
Establish a correct consumption concept
In order to better protect the property safety of the majority of students and prevent them from falling into various "campus loan" traps, the China Consumers Association issued a warning to the majority of young students.
Be wary of the "cancellation of campus loan" scam and do not transfer funds to unfamiliar accounts.
In fact, the relevant departments and the industry have not launched the so-called "write off campus loan" operation, and personal credit information cannot be modified manually. As long as college students can pay off the loan on time after borrowing, it will not affect personal credit.
If you have any questions about personal credit investigation, you can consult through official channels such as the local People's Bank of China's credit investigation department, the information service platform of the People's Bank of China's credit investigation center or dial the customer service number of the credit investigation center.
Establishing a correct consumption concept is a prerequisite to avoid falling into the trap of "campus loan", and also to keep personal information well.
The China Consumers Association stated that if students accidentally step into the trap of bad “campus loan” or encounter suspected bad “campus loan” fraud, they should actively collect and retain relevant evidence, which can be obtained through the “Chinese Student Funding” WeChat official account. "Report Channel" column to report, provide clues, or call 110 for help.
Finally, the China Consumers Association urges lending institutions that carry out "campus loans" business to strictly abide by relevant national laws, regulations and policies, and effectively implement regulatory requirements. By improving the quality and efficiency of college students' "campus loans" services, smooth formal and sunny "campus loans" "Service channels, so that bad "campus loans" lose the breeding environment, maintain the normal order of "campus loans", let "campus loans" return to healthy development and play a positive role.