Don't be afraid, you don't have to pay back the money. Call 12330 to report illegal medical practice and have surgery. Unqualified. Call 1233 1 to report that there is something wrong with the medicine they prescribed for you, all in foreign languages but not in Chinese. Of course, you have to collect some evidence, find the list they want to do, and then tell the lender that you didn't apply for a loan. You don't have to pay it back anyway. Rest assured. I'm a lawyer. I've handled a lot of these cases.