网贷大数据信用报告能够告诉你什么？网贷为何老是秒拒？网贷大数据报告能够告诉你什么？为什么要查询网贷？
点击立即查看Recent developments have seen the Shanhaitian police in Rizhao successfully dismantle a criminal syndicate led by Liu and Cui, notorious for their predatory lending practices. Four illicit operations were dismantled, leading to the apprehension of 16 suspects. The law enforcement confiscated over 20 mobile devices and four computers, while freezing assets amounting to more than 3 million yuan, with total transaction volumes nearing 300 million yuan.
Overview of the Case
On February 18, 2023, an aggrieved party, Mr. Lu, reported that he had been lured into a trap on the JiandaiBao platform. The perpetrators promised low-interest, high-value loans, only to push him into small loans with exorbitant fees, including a so-called “credit restoration fee” and prolongation charges, swindling him out of over 60,000 yuan.
In response, the division head took direct command, mobilizing a task force of elite officers to investigate thoroughly. The detectives uncovered a network of over a dozen criminals operating under a corporate guise, divided into roles such as management, finance, and customer service. They leveraged the JiandaiBao app to engage in illegal lending activities. The task force was able to track the movements of the syndicate’s members.
On March 10, the division deployed over 30 personnel from various departments and police stations, launching coordinated raids in Weifang, Wulian, Donggang, and other areas, apprehending eight individuals, including the company’s legal representative, Wang. Through a relentless pursuit across three cities over 40 hours, the main culprits Liu and Cui, among others, were captured on March 14.
Further investigation revealed that the gang exploited illegally obtained personal data, targeting individuals seeking loans. Using legitimate accounts on the JiandaiBao platform, they contracted loans with victims, inflating the loan amount with a deceptive “reservation deposit” akin to “front-loaded interest”. They fabricated financial records matching the contracts, then levied “prolongation fees,” “credit restoration fees,” and “reservation deposits”, artificially inflating debts.
Scheme Details
The core strategy of this syndicate involved contacting potential victims via the company’s customer service line, citing insufficient “credit ratings” as a reason for them to undertake three short-term loans for supposed credit repair. Each loan period lasted around seven days. This loan trap is subtle; initial loans are typically in the thousands, with victims believing repayment to be manageable. However, the syndicate sets numerous traps, forcing victims to pay fictitious debts—a cycle nearly impossible to escape without external assistance. Over 3,000 individuals across the country fell prey to this loan scam.
First short-term loan ranged between 3,000 to 5,000 yuan
During the disbursement, a 30% “frozen reservation deposit” was deducted, with the promise of a 10% refund upon completion of each loan phase. Failure to complete all phases resulted in no refund of the “frozen reservation deposit.”
Second emergency loan doubled or tripled the first
The customer service would justify a 25% “credit restoration fee” and a 5% interest rate, purportedly to improve the victim’s backend data and credit limit, although these enhancements never materialized.
Third loan increased twofold from the second
It still incurred a 25% “credit restoration fee” and 5% interest. As the company lacked the capacity to provide large, low-interest loans, after completing three short-term loans, the customer service would find excuses to deny the large, low-interest loan.
本文内容由互联网用户自发贡献，该文观点仅代表作者本人。本站仅提供信息存储空间服务，不拥有所有权，不承担相关法律责任。如发现本站有涉嫌抄袭侵权/违法违规的内容，请发送邮件到 297919344@qq.com，一经查实，本站将立刻删除。风险提示：本站作为信息共享平台无法对信息的真实性及准确性做出判断，不承担任何财产损失和法律责任，若您不同意该提示，请关闭网页且不要在本站拓展任何合作，否则造成的任何损失由您个人承担。本文地址：https://51cwd.cn/28948.html