Help the classmates "rush performance" incidentally take the commission?
Be wary of fraud traps behind college students' "Internet loan promotion"
If you spend hundreds of dollars on a single day, you can make money in bed? Various types of advertisements flood the campus, pay close attention to the needs of students, and play the gimmick of zero-cost part-time money-making. In fact, there are many risks behind it. In a campus fraud case recently handled by the People’s Procuratorate of Taicang City, Jiangsu, the suspect suspected that he would help the “cash performance” with a fee to induce multiple students to make online loans and commit fraud.
In June 2018, Xu Qiang (pseudonym), a college student in a vocational college in Suzhou, received a call for help from his classmate Li Lei (pseudonym). Li Lei said that he had found a job to promote online loans in Nanjing. There are monthly performance indicators to be completed , I hope Xu Qiang can help lend a loan. There is no need to repay the loaned money, and at the same time there will be 10% of the "commission" can be taken.
At no cost, Xu Qiang can help his classmates and make money. Xu Qiang agreed without much thought.
Under the guidance of Li Lei, Xu Qiang downloaded an app called "Stage Music", registered an account with identity information and applied for a 10,000 yuan loan. While operating, he noticed that this online loan has an interest rate of up to 24%. Although it can be repaid in multiple installments, it will pay 850 yuan per month. This is not a small amount for him who is still in school.
On the same day, the loan applied by Xu Qiang was successfully released, and Li Lei asked him to transfer all the money to the account of "Company Finance", and the company arranged a special person to repay each month. Xu Qiang proposed to let Li Lei Company charge the loan interest to his own card every month and let him carry out the repayment operation, but he was refused by Li Lei on the ground of "business needs".
Although a little uneasy, Xu Qiang eventually transferred the money out of the trust among his classmates. Li Lei readily gave Xu Qiang a "commission" of 1,000 yuan. He also asked Xu Qiang to help him promote more in the school and mobilize his students to work part-time to "make extra money".
Just two months before the loan is completed, Xu Qiang will receive a repayment settlement notice on time. However, since September 2018, he has continuously received SMS and phone calls for collection of debts, and on the second day after the repayment was overdue, the online loan company directly deducted the current month's repayment from the bank card bound to him. The amount is 850 yuan. Xu Qiang asked Li Lei to ask, and Li Lei explained, "The system has malfunctioned, and will automatically return the money after repair."
One month later, instead of receiving money, Xu Qiang was once again wiped out by the online loan company with a "monthly supply." At this time, a self-proclaimed "company finance" Yu Juan added Xu Qiang WeChat.
Yu Juan told Xu Qiang that the company has an "integer refund" rule, which means he needs to pay the "round-up fee" of 150 yuan first, and the advance money can be rounded up to an integer of 1,000 yuan before the other party can refund.
But after he paid the money, the other party was also called the leader on a business trip and asked him to directly talk to the "General Manager" Song Yi about the refund. After contacting Song Yi, the other party also said that Xu Qiang's "personal credit score" was too low due to overdue repayments. First, let him pay 3000 yuan to eliminate the credit taint, and then use "refund deposit" and "jumping fee". More than 5,000 yuan was charged nominally.
In December 2018, Xu Qiang, who hadn't waited for a refund, finally became suspicious of Li Lei. He found that his classmate Chen Xiang had the same experience as him, and the two chose to call the police.
On April 6, 2019, Li Lei was arrested by the police on suspicion of fraud.
The prosecutor Li Hui of the case introduced that from December 2017 to June 2018, Li Lei, who was still an intern at the online loan company, successively faked the "instalment music", "love and rice" tricks in order to get a 10% performance bonus. The identity of the company’s formal employees such as “Lianhao Future Loan” induces 7 students to use personal identity information to make loans on the above-mentioned online loan platform, and use the loan money as their own for daily squandering. In the early stage, Li Lei was able to repay the loans of these students on a monthly basis by "demolition of the east wall to fill the west wall". Until June 2018, he was unable to repay him. After persuading Xu Qiang and Chen Xiang to lend the money, one person Disguised as multiple corners, successively impersonating the identity of "Company Finance", "General Manager" and "Customer Service", and continued to scam the two people for reasons such as collection of refund deposits and elimination of bad credit records. Until December 2018, the victims were defrauded in total Xu Qiang was RMB 18,867 and victim Chen Xiang was RMB 35,133.
On December 18, 2019, the Taicang City People's Court sentenced Li Lei to 1 year and 8 months in prison for fraud, suspended for two years, and was fined RMB 20,000.
Li Hui believes that as a typical campus network loan fraud case, the victim students share a common "psychological weakness"-they generally have a weak legal awareness, especially for the protection of personal information is not strong, facing the temptation of criminal suspects It is often difficult to identify; after the case, the awareness of rights protection is insufficient, and the suspect still has illusions.
Li Hui reminds the majority of students in the school that when dealing with people, they involve money exchanges and borrowings. Don't be fooled by the other's rhetoric because they are greedy for small favors. It is necessary to constantly enhance legal awareness and be good at using legal weapons to protect one's legal rights and interests. Once caught in a scam, it is necessary to seek the help of family members, schools, lawyers, and public security organs in a timely manner.
Zhuang Yan Zhongqing Daily · Li Qing, reporter of China Youth Daily Source: China Youth Daily