The man’s WeChat friend circle’s online loan was cheated, and the suspect claimed to have been a victim.

According to CCTV news, nowadays, e-wallet payment is becoming more and more popular, which has also spawned many online credit products. Consumers can often advance a certain amount after opening online credit services and enjoy the shopping experience of "spending first and repaying later". However, some criminals with ulterior motives take advantage of this convenience to engage in illegal and criminal activities.

False online shopping, mobile phone cashing, being cheated

In Mr. Zhang’s WeChat circle of friends in Wenzhou, Zhejiang, a friend Huang often posts information about the cashing of an online credit product. Recently, Mr. Zhang was in urgent need of 4,000 yuan in cash, so he contacted Huang, who said that he could help Mr. Zhang cash out by buying goods through Taobao.

Mr. Zhang took the Taobao link he provided according to Huang’s statement, and paid 4060 yuan through this online credit product. After that, he gave Huang a screenshot of the payment as required and told the merchant to mention it himself. Huang said that because the e-commerce platform transaction needs logistics information, the merchant will send an empty parcel to Mr. Zhang. After Mr. Zhang confirms the receipt, he will directly transfer the money after deducting the handling fee to Mr. Zhang through Alipay.

After confirming the receipt of the goods, Mr. Zhang contacted Huang with WeChat and asked him to transfer the cash. Unexpectedly, Huang did not reply and even blacked it out.

The suspect posted a large number of cash advertisements and was reported.

Mr. Zhang immediately called the police, and the police investigation found that shortly after Mr. Zhang photographed the mobile phone and paid for it, the mobile phone was taken away from the merchant’s physical store.

As can be seen from the surveillance video provided by mobile phone merchants, a man in black came to the store that day to fill in relevant information, and showed the salesperson a screenshot of Mr. Zhang’s payment, and successfully took away Mr. Zhang’s mobile phone.

The police investigation found that Huang posted a large number of cash advertisements, and many netizens posted reports that their QQ number was suspected of fraud.

Using the victim’s cash to cheat.

According to Huang’s online social account provided by the victim, the police found that Huang was suspected of multiple online frauds through the series of cases, and the process of several victims being cheated was very similar.

The QR code is provided to the other party → the other party scans the code and sends the money → the money is collected, and the remaining money after receiving the handling fee is not returned to the other party, thus defrauding the other party’s money.

After further investigation, the police found out the true identity and foothold of Huang, and then arrested him. At present, Huang has been criminally detained by the police for alleged fraud.

On Huang’s mobile phone, the police found a lot of information cashed out through online credit. Online credit consumption is similar to credit card consumption, as long as the repayment is made within the specified time, there is no need to pay interest. Hwang is grasping the victim’s psychology of wanting to cash out to cheat.

The suspect was a victim of online credit cashing.

Huang, a criminal suspect in his early 20 s this year, has no fixed job and income. According to him, he was also the victim of online credit cashing scam. Instead of calling the police, he cheated others.

Huang posted a large number of information on Weibo, WeChat friends circle, post bar, QQ group, forums and other platforms that can provide online credit cashing services, saying that he can help others cash out with a certain handling fee. Since only certified merchants can collect money through online consumer credit, Huang found several shops as the "home" for direct collection. After the "business" is successful, he will give the merchants a commission.

After receiving the payment through the QR code or Taobao link, the merchant transfers the cash amount to Huang, and then Huang transfers it to the victim. However, often Huang does not transfer the money to the victim as agreed after receiving the payment, but directly takes it for himself and pulls the victim into the blacklist.

Police: the risk of online loan cashing is high.

According to the police, if a merchant helps others to use online credit to cash out a certain amount, it will constitute an illegal business operation crime; If you know that the parties use online credit to cash in fraud and cooperate, it will also constitute fraud.

The police reminded merchants that they must operate according to law; At the same time, it also reminds the masses that online credit cashing itself violates the financial management order, and there are high risks. Don’t covet petty profits. If you find that you have been cheated, you should call the police at the first time.

(The original title is "Beware | Online loan cashing is cheated, but I didn’t expect it to be …")