In fact, the scam is that criminals pretend to be the customer service staff of the online loan platform, tricking the victim into borrowing through the online loan platform on the grounds of canceling the account, and then tricking the victim into transferring the money to the designated account in the name of "offset quota".
In other words, it's not a cancellation at all, but a liar makes you borrow money first and then cheat you!
The police reminded that after receiving such calls, you can log on to the official platform for consultation and confirm the identity of the other party. Don't trust the other party to register, borrow money or transfer money. If you find that you have been cheated, you should keep the relevant evidence and call the police for help at the first time!
College student Xiao Liu (a pseudonym) is one of the victims. Xiao Liu was defrauded of 4300 yuan, involving two platforms: installment music and recruiting consumer finance.
According to his memory, on the afternoon of May 4th, he received a call from a customer who claimed to be the customer service of installment music. On the phone, he learned that he had registered an account in installment music. Now, due to policy changes, it is forbidden to grant loans to college students. He needs their cooperation to close his account, otherwise it will affect his credit information.
However, it is not easy to cancel this account. You need to borrow money from installment music before you can cancel it.
Xiao Liu, who is not deeply involved in the world, is convinced of the customer service and applied for a installment loan of 3000 yuan according to the instructions of the other party. Soon, the loan was fully paid to Xiao Liu's bank card.
Then, under the guidance of the other party, Xiao Liu transferred 3000 yuan to the account designated by the other party.
In addition, Xiao Liu applied for a loan from 1300 yuan in Zhaolian Consumer Finance in the same way and transferred it to the other party.
After Xiao Liu's transfer is successful, the other party will contact again after the account is closed successfully.
However, until the next day, Liu Ye Jr. didn't get another call. At this time, he realized that he had been cheated, and then he went to the local police station to report the case.
According to Xiao Liu, after the alarm, he also called the official customer service of installment music to tell the other party about his experience, and said that he was a college student and could not afford the loss, hoping to give relief. The installment customer service asked Xiao Liu to provide an alarm receipt.
Later, Xiao Liu provided relevant supporting materials according to customer service requirements. The official customer service of installment music asked Xiao Liu to wait patiently and said that he would report the matter to the leader.
A month passed in a blink of an eye, and Liu Ye Jr. didn't wait for the reply from the official customer service of Staging Music. Seeing that the repayment date was coming, Xiao Liu made a phone call and told his parents about it.
"After my parents knew about this, they took my bill information to find the installment music and asked for a negotiation. After all, I am also a victim. At the strong request of my parents, the installment music exempted me from the handling fee of 400 yuan and only let me repay the principal of 3,000 yuan. " Xiao Liu said.
In fact, Xiao Liu is just one of the victims of this new type of fraud. According to the data released by Quanzhou Anti-Fraud Center, more than 20 people were cheated in April alone, with a per capita loss of nearly 30,000 yuan, including many college students.
Ironically, even fraudsters know that the national policy does not allow loans to college students now. Why do installment music and consumer finance turn a blind eye and still provide loans to college students?
It is worth mentioning that Xiao Liu told Caijing Technology Intelligence that in the whole loan process, except for verifying the ID card, mobile phone number and bank card information, there was no prompt information on the two platforms about prohibiting loans to college students.
Imagine, in the process of this scam, if Xiao Liu has enough awareness of prevention, or if installment music really strictly enforces the rules of not granting loans to college students, then this scam cannot be implemented.
However, the scam has already happened, and there are not so many ifs. Now such consequences, economic losses can only be borne by college students like Xiao Liu?
Perhaps, the staged music club argues that it cooperates with financial institutions, and the loan funds come from financial institutions. It is in line with the requirements of the regulatory authorities to issue loans to college students.
So, is there really no problem with staged music?
In 20 17, China Banking Regulatory Commission, Ministry of Education and Ministry of Human Resources and Social Security jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loan, requiring all online lending institutions engaged in campus loan business to suspend the addition of campus online loan business targets, and institutions established without the approval of banking regulatory authorities are not allowed to enter the campus to provide credit services for college students.
Since the beginning of this year, the resurgence of campus loans has attracted the attention of many media. Even not long ago, Wang Lianling, a representative of the National People's Congress, published a signed article in People's Daily, which shows that the problem of campus loans has resurfaced.
20 17 12 1 The Office of the Leading Group for Special Remediation of Internet Financial Risks and P2P Online Loan Risks officially issued the Notice on Standardizing and Rectifying Cash Loan Business (No.14 1).