Is WeChat borrowing money protected by law?

Legal lending is protected by law, and WeChat lending is electronic evidence.

Article 63 The evidence stipulated in the Civil Procedure Law includes:

(a) Statements of the parties;

(2) Documentary evidence;

(3) Physical evidence;

(4) Audio-visual materials;

(5) Electronic data;

(6) Testimony of witnesses;

(7) Appraisal opinions;

(8) Records of the inquest.

Evidence must be verified before it can be used as a basis for ascertaining facts.

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Case: WeChat borrowing, beware of fraud

Recently, a new scam to gain trust and borrow money by sending WeChat voice has quietly appeared in many places across the country. Earlier, according to media reports, many netizens have fallen into a scam. Guangzhou police said that the Guangzhou Anti-Fraud Center has not received a similar warning to remind people to raise their safety awareness and protect personal information.

It is reported that Tian Zhi (a pseudonym), who lives in Wuhan, suddenly received a WeChat from his classmates on the evening of August 2, saying that he needed 300 yuan for emergency. In order to dispel his guard, the other party specially sent a voice with the content "It's me" and repeated it twice. Hearing the voice of a classmate, Tian Zhi is going to transfer money to the other party.

Just then, the classmate called and said that his micro-signal was "hacked" and that the person who borrowed money from him was actually a liar. After hanging up the phone, Tian Zhi opened the class WeChat group and found that many students were already discussing this matter.

After learning the truth, Tian Zhi secretly rejoiced that he had not been fooled, but he was also puzzled: Why can a liar voice his classmates? After discussion, it is concluded that when students send voice verification on a platform, their information may be stolen.

On August 3rd, the Nanjing Public Security Bureau published a case in its official Weibo: a swindler had a voice chat with Mr. Zhang on WeChat in the name of helping citizens to recharge their "game tickets", and after obtaining voice information, he was induced to provide his WeChat account and password. Finally, the liar succeeded, and several friends in Mr. Zhang's WeChat address book scanned the code to transfer money.

However, the popular version of WeChat has no voice forwarding function. Even if the scammer defrauds the voice information of others' WeChat, how can he forward it to WeChat friends?

According to reports, WeChat voice is actually stored as an "AMR" format audio file in the mobile phone folder. Users can find the specified audio file and play it through audio software. At the same time, the reporter found a "voice forwarding system" on Taobao and other platforms, which "supports voice, text, pictures, videos, expressions, business cards, etc."

The Guangzhou police said that the Guangzhou Anti-Fraud Center has not received a similar warning to remind the masses to raise their awareness of information security and not to easily disclose personal information such as WeChat accounts and passwords; If someone asks for a transfer on WeChat, it is necessary to confirm whether the other party is himself or not by phone or video. If you find that the WeChat account is stolen, you should freeze the account in time and inform other friends not to be fooled. Once you are cheated, you should call the police in time.

People's Network-WeChat is a new scam: pretending to be a "friend" voice to borrow money.