I wanted to take out a loan to buy a cow, but it was packaged as a luxury car. The "white households" who were in urgent need of money did not expect that the new car bought with a loan in their own name would be sold quickly—
Fraud gang staged car loan "big drama"
Lu Zhijian and Ma Oxia Chuanhui
In order to obtain high profits, a fraud gang set up a "down payment car purchase" scam, used the identity of others to purchase high-end cars for installment loans, defrauded three 4S stores and 6 luxury cars within three months, and then drove the vehicles to other places. The price was resold to a second-hand car dealership for profit, and the amount involved was more than 2 million yuan.
Recently, the Huaiyin District Procuratorate of Huaian City, Jiangsu Province filed a public prosecution. The court sentenced Wu Peng, Zhu Zhiqiang, Lu Youcai and Li Xiaowu to five years and ten months to one year and six months in prison for loan fraud. , and imposed a fine ranging from 20,000 to 80,000 yuan; Hong Jiangang and Peng Yiming, who still bought the vehicle knowing that the vehicle was obtained by fraud, were sentenced to fixed-term imprisonment of two years and six months and one year and six months respectively by the court for money laundering and fined 20,000 yuan, 10,000 yuan.
After the first-instance judgment, Lu Youcai believed that he was only helping "white households" to handle loans and that his behavior was not fraud, and appealed.
On March 2, 2022, the court of second instance dismissed the appeal and upheld the original judgment.
So far, a chain of illegal interests hidden behind the "down payment car purchase" has been completely cut off.
hit it off
Gang conspires to set up car loan scam
Wu Peng, who is engaged in the automobile trade business in Lianyungang, spends a lot of money on weekdays and likes to go to nightclubs, bars and other entertainment venues, and often cannot make ends meet.
In order to meet the luxury consumption, he moved the idea of using car fraud.
Wu Peng found Zhu Zhiqiang, a friend who works as a local loan intermediary, and shared his car fraud plan with him. The two hit it off, but neither of them wanted to take out a loan to buy a car in their own name, so they told the loan intermediary about the idea of cheating a car. Lu Youcai.
After Lu Youcai heard it, he readily agreed to join the team.
In order to prevent the crime committed at the door of the house from being seen by acquaintances, the three discussed the implementation of a car fraud plan in Huai'an, a nearby area.
The three quickly clarified their respective divisions of labor: Lu Youcai was responsible for finding "white households" (referring to those with blank credit records and poor asset status) who needed loans, and shuttled the "white households" to and from Huai'an and Lianyungang; Wu Peng Responsible for helping the "white households" pack, forge the materials needed for buying and selling vehicles, and take the "white households" to the 4S store to buy a car and make a loan; Zhu Zhiqiang is responsible for cooperating with Wu Peng to jointly advance the down payment and insurance costs for the purchase of a car.
In order to find a suitable "loan lender" as soon as possible, Lu Youcai distributed loan advertisements through WeChat, QQ, small advertisements, etc., looking for "white households" who were in urgent need of money and loans.
Soon, there are "fish" hooked.
division of labor
Using "white households" to defraud luxury cars
"Five Guarantees" Shi Laifu wanted to take out a loan to buy a cow, and contacted the loan intermediary Lu Youcai through WeChat.
"We can help you with a loan, but you have to go to Huai'an with me first. The loan over there is easy to approve. We have to buy you a car first. After you have a car, they can give you a loan." Lu Youcai told Shi Laifu, To get a loan, you have to cooperate fully with them.
"Be sure to dress formally, look like a boss, and remember to talk less when you go to the 4S store."
A few days later, Lu Youcai and Shi Laifu drove to Huaian to meet with Wu Peng and Zhu Zhiqiang.
Wu Peng and Zhu Zhiqiang were very satisfied when they saw Shi Laifu, who was dressed in formal clothes and looked like a boss. They immediately took him to apply for a bank card and a mobile phone card, and transferred the down payment required for the car purchase to the bank card in advance, and then went to the bank together. Audi 4S shop, selected an Audi A6L (the car price is 348,000 yuan).
Schlafford signed a car purchase agreement with the 4S store. Wu Peng paid a down payment of 128,000 yuan with a bank card prepared in advance. The sales staff immediately contacted the auto finance company to help him go through the procedures for car purchase loans.
"You need to memorize the contents of this note as soon as possible, so that you can get the loan." After leaving the 4S store, Wu Pengsai gave Shi Laifu a note with the work unit, address and other information, and asked Shi Laifu to sign it. The vehicle entrusts the purchase and sale agreement and other materials, and takes photos on the spot.
Afterwards, they brought Shi Laifu to the bank and met with the staff responsible for the loan business. Shi Laifu answered the staff's questions smoothly according to the contents of the note, and then sent Wu Peng's pre-forged online loan materials. to the bank staff.
Soon, the loan review was successfully passed.
Wu Peng went to the 4S store to pick up the car in the name of Shi Laifu.
Cross-market transactions
Resell at a low price to make money
According to the loan agreement, the 4S store must complete the vehicle registration and mortgage work within 10 working days.
However, every time the 4S store salesperson contacted Wu Peng, Wu Peng shied away on the grounds that Shi Laifu had something to do, resulting in the failure to go through the vehicle mortgage procedures.
After picking up the car, Wu Peng and others applied for a fake vehicle certificate online and drove the car to Lianyungang.
In August 2020, Wu Peng sold the car to Hong Jiangang, who deals in second-hand famous cars, for 300,000 yuan.
Hong Jiangang had doubts when he saw the brand-new "second-hand" luxury car. Under normal circumstances, the vehicle must have a certificate of conformity, an invoice, compulsory insurance, and two car keys, but the car in front of him has no license plate, no invoice, and There is only one key.
Although Hong Jiangang had doubts about the origin of the vehicle, he still bought the Audi car for profit.
"I didn't expect that the first shot would be a great success." Wu Peng and others, who had tasted the sweetness, were out of control. In the next three months, they used the same method to use Han, Cheng, Qu, As four "white households", Gu committed multiple car loan frauds, defrauding a Volvo S90, a Volvo XC60, an Audi A6L and three Audi Q5Ls, and then sold these cars to Hong Jiangang and Peng Yiming.
Because Wu Peng was worried that he would be suspicious of picking up the car from the same Audi 4S store twice in a row, he contacted his fellow villager Li Xiaowu. Li Xiaowu replaced Wu Peng and went to the store to pick up the car in the name of his "white household" son, and at the same time helped advance funds. .
Zhu Zhiqiang was responsible for distributing the remaining money after deducting the down payment and other advanced costs from the car sales. By the time of the incident, the illegal gains shared by the four had been squandered.
Unexpected incident
Fraud gang takes shape
On December 7, 2020, an Audi 4S shop that was deceived called the police, saying that the owner of an Audi Q5L they sold only paid 30% of the down payment for the purchase of the car. Penny not paid.
On December 10 of the same year, Wu Peng, Zhu Zhiqiang, Lu Youcai and Li Xiaowu were arrested and brought to justice. Subsequently, Hong Jiangang and Peng Yiming voluntarily surrendered.
On June 15, 2021, the Huaiyin District Procuratorate filed a public prosecution with the court against Wu Peng, Zhu Zhiqiang, Lu Youcai, and Li Xiaowu for alleged loan fraud.
On November 12 of the same year, the Huaiyin District Procuratorate charged Hong Jiangang with money laundering, and on November 18 additionally charged Peng Yiming with money laundering.
According to the undertaker prosecutor, this is a criminal gang that uses the model of "buying a car - fraudulent loan - selling a car - dividing the stolen goods" to make money.
Since August 2020, Wu Peng and Zhu Zhiqiang used the identities of 5 "white households" to defraud a total of 1.33 million yuan in loans. Lu Youcai contacted 4 "white households" to Huai'an and participated in 5 fraudulent loan behaviors, with a total of 1.104 million loans. Yuan, Li Xiaowu, as one of the "white household" sons, helped to pick up the car and participated in a fraudulent loan behavior, defrauding a total of 226,000 yuan in loans.
Hong Jiangang successively acquired Audi A6L, Volvo S90, Volvo XC60, Audi Q5L and other vehicles from Wu Peng at low prices and resold them. He was suspected of money laundering, with an amount of more than 657,700 yuan and illegal profits of about 18,000 yuan.
Peng Yiming introduced others to buy cars from Wu Peng. He knew that the vehicles were obtained illegally, but still processed fake invoices online, so that the vehicles obtained by Wu Peng and others through loan fraud could be licensed and traded at the DMV, helping Wu Peng and others to commit crimes. The income will be transferred, and the personal profit will be 1,200 yuan.
Regarding the five "white households" in this case, they subjectively knew that there was insufficient evidence for the criminals to engage in loan fraud, and objectively did not commit specific criminal acts such as defrauding the loan and then reselling the vehicle to share the stolen goods. Therefore, they were not investigated for legal responsibility.
On December 15, 2021, the court made a first-instance judgment on the case.
(The characters involved in the text are all pseudonyms)