/Dongguan/201003/03/73567 _10177218.htm.
My experience is very similar to that of Ceng Laoshi in the article. Because I was in a hurry for financing and felt that the bank loan threshold was high and the interest rate was high, I chose to find a credit company online. Disaster is "greedy for petty gain".
First, I paid the first month's interest 960 yuan (loan of RMB 6,543,800+RMB 2,000) according to their agreement. At the appointed time, the salesman called to pay interest for another two months. I became suspicious and asked them to go to the scene. I would pay another sum of money, or at least give me a fixed telephone number. After a day of stalemate, the salesman really called me a fixed phone number (it was only later known that it was temporary, because I found that the number was a hotel next to the train station).
I paid interest on 1920 yuan. At that time, you need to pay a high contract deposit of 6000 yuan.
I didn't have that much money when I heard the fire. Later, on second thought, I reduced the loan amount to 20,000 yuan. If it is true, I can apply for a second loan. But their calculation method is different from that of Gao.
The deposit for the 20,000 contract is 10%, and the interest for half a year is 1%. Besides what has been paid, you have to pay 400 yuan.
Later, they asked me to pay interest for one year on the grounds that I changed the quota halfway. I handed it in again 1200 yuan.
At the appointed time the next day, the salesman said to test my repayment ability, and I had to go through the last level and pay 4000 yuan.
At this point, I was furious. How can you borrow 20 thousand yuan from this stupid company? I will give you a fee of 1 10,000 yuan, resolutely suspend the loan and ask them to refund the money. But I have to pay a 20% handling fee to get a refund.
I paid 5200 yuan successively, but I didn't see the money in place. I called again, but no one answered the phone.
I was stupid. Knowing that I was completely cheated, I immediately called 1 10 to report the case to the nearby police station.
I know the whole process is like an idiot, and people who are slightly normal will not be cheated. But the swindlers used some of their psychology to lure them into the bait.
This experience is thought-provoking.
But the trick of scammers is nothing more than luring you to save money for them with low interest rates and low thresholds.
The profound lesson is:
First, online lending is basically not credible. If you really want to borrow it, you must consult and verify it in many ways.
Unsecured loans can't be as low as the monthly interest rate 1%.
Second, most online lending companies only provide a QQ number, and generally have no fixed telephone number and company address. If yes, please check it first.
Third, if you want to borrow money, you have to pay interest first. It is basically a lie to make such a request.
Fourth, verify the location of their household registration and the attribution of their mobile phone numbers to see if they are in the same place. After being cheated this time, it was discovered that their mobile phones were in Shanghai and their accounts were in Jingzhou, Hubei. Obviously, they should also be in Jingzhou.
The account number of remittance should be company's, not individual's.