Recently, funds are tight, and I want to repay the interest first and then the principal. There were several people who handled these businesses on WeChat before, so I picked a contact, but I didn't want to start a regular loan trip.
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Let's call the salesperson a for the time being. After talking about the demand, I repeatedly stressed that I only need to pay interest first, but A readily promised that there would be no problem. Let me check credit, prepare information, make an appointment, and check the position of bank manager in the financial company system (I must invite you to the company before I can become a partner).
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Before B, the bank manager, appeared, A asked me to fill out the questionnaire first, writing only the street address and only the contact person. This is also a routine, in order to set off the rigor behind B.
After filling out the form, after a while, B appeared. After reading the questionnaire, I will improve. The address should be detailed to the house number, and the contact person should write at least 3 people. At that time, I didn't realize that A's business was too abnormal and amateur. It was not until I started the system (they called it the system) that B became suspicious and asked me about my basic situation and needs briefly, knowing that I had certain refund business insurance. Learn more and make a routine. My practice is insurance. )
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According to my understanding, the system should be to let the bank review my information, evaluate the risk and decide whether to lend. So, when B said he wanted to use my mobile phone, I became suspicious. B's explanation is that there is no formal channel, and there is something wrong with my credit information. I need to use my mobile phone to access the system through his background channel.
B use my mobile phone to scan his mobile phone and start control. Because I was not at ease, I went to B to watch him operate. In the process, I saw the words "Anpuhui". Then B asked me to sign and brush my face on my mobile phone for authentication. I asked the question again before brushing my face. B explained that I had to agree to enter the system (I haven't reacted yet). After authentication, I returned my mobile phone. B said I would go out later. Chatting with A while waiting, A has been stressing that people like me can only go through their channels.
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After waiting for more than ten minutes, B called A out. After a while, A came back and said that he had won 290,000 yuan for me and would pay it back twice. The down payment is 6.5438+0.9 million, and he can only repay the principal and interest in installments every month. The second payment is RMB 654.38+10,000 yuan, and the interest can be paid first, and the handling fee for each payment is 2%. The first payment requires an extra 5% effort, because he will help me with my credit investigation. Did you hear that?
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After I came back, I got a loan application of 6.5438+0.9 million. After landing, I saw a loan application of 6.5438+0.9 million. The next step is to sign an electronic contract. At this point, I realized that everything is routine, reviewing information, checking the system and doing credit reporting are all fake. This 6.5438+0.9 million can be operated by my own mobile phone, and going to a financial company has become my skill, and I still charge such a high handling fee. It's a lie from beginning to end, full of routines. I am
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