Xiao Qiang (pseudonym) lives in Wudian Town, Fengyang County. Not long ago, he wanted to buy a truck for transportation, and now he was short of funds, so he wanted to apply for a small loan online. On the morning of July 1, Xiao Qiang searched for a company named "Industrial Bank Microfinance Co., Ltd." on the Internet, and click it to apply for a loan. He submitted his detailed information list according to the prompt on the web page.
Half an hour later, Xiao Qiang received a phone call. A woman claimed to be a salesman of the company and asked her to fax a copy of her ID card to verify her identity. Xiao Qiang hurriedly handed over the copy. 10 minutes later, the woman called to say that Xiao Qiang's identity had been verified and faxed a contract for him to fill out. Xiao Qiang was overjoyed and thought that this company was indeed a regular company with high efficiency. He quickly filled out the contract for applying for a loan of 654.38 million yuan and handed it back.
Later, the saleswoman asked Xiao Qiang to pay a contract performance fee of 2,000 yuan. Xiao Qiang, who was eager to get a loan, went to the bank to remit money without much thought. Because Xiao Qiang didn't have a guarantor, the saleswoman asked him to remit 5000 yuan to help him find a guarantor. Xiao Qiang believed it and immediately remitted another 5,000 yuan. Since then, the female salesman has continued to find reasons for Xiao Qiang to pay 20,000 yuan in interest first. Xiao Qiang felt something was wrong, so she offered not to borrow it and asked her to pay back 7,000 yuan. However, the saleswoman said that according to the company's financial regulations, the refund could not be processed until July 15, and Xiao Qiang reluctantly agreed.
On the morning of July 15, Xiao Qiang repeatedly called the mobile phone and company phone of the saleswoman, but no one answered. Only then did I find myself cheated and reported the case to Fengyang police in a hurry.
After investigation by the police, this so-called "Industrial Bank Microfinance Co., Ltd." website is a fictional "phishing" website. According to people in the bank credit industry, formal credit institutions only charge a certain percentage of service fees or interest after lending. There is absolutely no charge before the loan comes down. It is definitely a liar to sign a loan contract online with a copy of your ID card and ask the other party to pay or pay interest first without face-to-face verification. (Meng Bin)