Students were defrauded of 990,000 yuan when they cancelled their campus loan accounts, what warning

The cancellation of campus loans and the campus loan trap have told students to be cautious about loans, and they must be careful, hoping that students can spend rationally.

1. Write off the campus loan trap.

Recently, a new trap has emerged, ** will use the victim's fear of credit investigation to ask the victim to cancel the campus loan, and use up all the credit limit in the campus loan, transfer the money to the **'s account, after the victim transfers, ** will block the victim. In this way, all the amount of the victim will be owned by **, not only the campus loan has not been cancelled, but all the money has been lost, which will bring a greater burden to the victim. Since then, it has entered the era of living a miserable life in order to repay the money, and there is often no way to turn for help.

2. Why do loan traps keep coming?

On campus, especially on university campuses, because college students are usually adults but have not joined the WTO deeply, they are not very vigilant, and there is the support of parents and a certain amount of funds to use. Therefore, on college campuses, there are always a lot of small advertisements in various traps, especially on the toilet door or in the small corner of the classroom, or in the campus post bar or forum information, there will be people with small advertisements to attract student loans. Be careful with these kinds of small ads, the information on them is often very simple but the pitfalls are big.

3. Warning. Countless lessons tell us that campus loans are not available, and many students choose to commit suicide because they cannot afford to repay them. Many students feel that they will never be able to get up again because of their vanity, and feel that they have burdened their parents, so we still have to be cautious and cautious about campus loans.

The state is going to introduce a policy to prohibit student loans some time ago, so for campus loans, when you see it, you must be especially careful. Don't choose a loan for the sake of temporary vanity, consumption needs to be rational, see your own strength clearly, and it is also the key to learning to manage money, I hope students can keep their eyes open, not vain consumption, not excessive consumption.

It gives students a warning to use campus loans carefully and beware of being cheated, because students are minors who have not experienced society, and they have no income**, so they are more likely to be deceived.

There is a lot of such news, but there are still many people who have been deceived. Students are not deeply involved in the world and are relatively simple, and schools should carry out more security education to help identify this kind of fraud.

I think students should still be vigilant, don't borrow such unreliable loans from outside, and tell your parents what you need to live, as long as it is reasonable, they will not give you money.

Campus loans are a means of deception, which will only make you owe more and more money, and even force you to go astray, so it is better to be down-to-earth.

Students should not easily believe in those loans, it is easy to fall into the trap, and students should establish a correct view of money, do not be greedy for vanity, compare with each other, if you lack money, you can tell your parents, if it is a legitimate expense, I believe that your parents will have a way.

Nowadays, there are all kinds of loans and all kinds of advertisements that do not match the name, so many people have been deceived, so students should learn to manage money, learn to distinguish between the true and the false, restrain the desire to consume rationally, and try to choose large enterprises when necessary.

The warnings given to students are: firstly, students should not believe the words of strangers, and secondly, when they encounter something, they should go to the police to deal with it, or ask your teacher, because students are still very inexperienced in society, and there is no need to take care of everything by themselves.

It gave a very profound warning to the students, and hoped that the students must develop a good consumption concept and consumption habits, and do not get involved in these campus loans.

Let's start with campus loans. A piece of advice for students: If you are not forced to do so, do not take out so-called campus loans.

This interest rate is surprisingly high. You can't afford it. Also, have you considered the ability to repay?

As for the so-called cancellation of the campus loan account, this is a complete **. You must not be fooled by this again.

You can let students know that you can't trust others casually, and campus loans are generally deceptive, which makes everyone regret it very much, and I hope you don't fall for it.

Raise awareness of anti-fraud, all information sent in the name of the public procuratorate, procuratorate, government agencies and other units should be verified by dialing the official website, and do not be gullible.

Tell students to have a reasonable and correct concept of consumption, do not develop the habit of advanced consumption, and at the same time do not touch these things such as loans, and if there are difficulties, they can turn to their teachers and parents for help.

Yes, it is.

Cancellation of Campus Loan? Fake! At a time when social credit is becoming more and more important.

Hearing the words "loan", "amount" and "credit" is easy to make people nervous, and many college students with little social experience have avoided "campus loans" but have not avoided "canceling campus loans". Fraudulent methods Cancellation of campus loan fraud methods are divided into two categories: one is for those who have registered online loan platforms or have loan records - ** claiming that "according to relevant national policies, it is necessary to cooperate with cancellation, otherwise it will affect personal credit".

One is for those who have no registered online loan platform or no loan record - ** says that "your identity information has been stolen and registered for an online loan, and you need to cooperate with the cancellation, otherwise it will affect your personal credit".

There are several main steps to this type of scam:

1.Pretending to be a "loan platform customer service" to take the initiative to contact, ** impersonating the identity of the "loan platform customer service", and can accurately say the victim's real name, ID number, school name, and even consumption records, etc., to gain the victim's trust, and then commit fraud.

2.Make up reasons to send you into a panic. **Taking advantage of the victim's fear that "online loans will affect credit reporting", on the grounds that "the credit limit needs to be cleared before canceling the online loan account", the victim is tricked into the "quota clearing" operation - that is, going to the major online loan platforms to withdraw all the loan amount.

3.After the transfer is received, it is blocked** claiming that "the full amount will be returned after the cancellation of the online loan", and the victim is tricked into transferring all the loans withdrawn from the online loan platform to the "inventory account" (i.e., **'s personal account) provided by him. Once the victim transfers the money, the victim will be blocked.

The right thing to do. First: stay calm and vigilant when receiving such **, because there is no operation to cancel the online loan account, as long as you pay off the loan on time, it will not affect the personal credit, and remember that the personal credit cannot be artificially modified.

Second: For doubtful matters, you should log in to the official platform or consult the official customer service.

1. Any ** on the grounds of canceling a campus loan is a fraud**.

2. Anyone who asks for a fee before lending money is a fraud.

3. The loan must be through a bank or a formal loan company.

4. The app needs to be queried through the installation package of the link** and the official application market cannot be queried. Then this app has not been reviewed by the application market and lacks the necessary security guarantees, so it is more likely to cause capital security risks such as mobile phone information leakage and bank card theft.

The campus loan itself is a legal credit relationship between the bank and the student, and it is possible to change the credit relationship unless the bank fails, but it will not cancel the loan relationship before the loan is repaid. Therefore, canceling the campus loan is a **, beware of being deceived.

Campus loans are routine loans issued by black-hearted businessmen to college students, and since they are routine loans, there is no such thing as cancellation, because if you want to remove routine loans, unless you are ** meddling in this matter. But the staff are so busy every day that they don't have time to take care of this business. The cancellation of campus loans is still the use of the two good-natured words "cancellation" by black-hearted businessmen in order to obtain profits, in order to defraud college students who are not deeply involved in the world.

Therefore, college students, don't touch it under the guise of "canceling campus loans"!

Cancellation of campus loans is definitely **.

I know best if I have done it, so what he said is something that you have never done, let you admit it, and verify your identity information in order to make you believe, the main thing is to deceive trust.

Definitely, it's not good to have more money, it's not good to have less money, people are the same, more things are not good, there are people who don't know the value of things, to see if that thing is real, maybe the thing is real, the money given to you is fake or it may be true, the thing is fake, what you give you may be true or false, everything must have a degree, you must see the world clearly, there can be no fake things, what you say must be fake, don't believe those people, it will be discovered by parents, It's not just a hit, but it's a doubles, I was discovered by my parents today, and it took me half a day to get out of the doubles, and then my secret parents knew!

Criminals pretended to be "customer service of banks and online loan platforms" to make active calls and commit fraud against college students who were in school and had just graduated, on the grounds that "according to relevant national policies, the parties are required to cooperate with the cancellation of the online loan platforms registered during the university", and even used various excuses such as "the identity information of the parties has been stolen and registered for online loans, which affects personal credit reporting and needs to cooperate with cancellation".

In this case, you should ignore it or call the police in time!

There are two types of cancellation of "Campus Loan" accounts**:

1.For those who have registered online loan platforms or have loan records, ** claim that "according to relevant national policies, it is necessary to cooperate with the cancellation, otherwise it will affect personal credit".

2.For those who have not registered on the online loan platform or have a loan record, it is said that "your identity information has been stolen and registered for an online loan, and you need to cooperate with the cancellation, otherwise it will affect your personal credit".

Some college students lack social experience, lack relevant financial knowledge, know little about online loans, and are afraid of affecting personal credit, so they are easy to be led by the nose.

Anyone who receives a customer service claiming to be a loan platform mentioning keywords such as "loan record during school", "affecting personal credit reporting" and "canceling loan account" is a fraud.

As long as it involves loans, money, don't believe it.

As long as you don't give money and don't give any personal information, it's fine.

No need to ask, it must be**.

Is it ** to cancel a campus loan? The campus online loan platform must be ** before it will be cancelled, and there are complaints and reports from the victimized students, otherwise it will be the other way around.

How to identify a campus loan is**. In my opinion, there are three main points: first, it is not a bank loan; Second, the hypothesis of low interest rates is actually something that deceives people; Third, give you small benefits, ask you to pull people, or rather, the low interest rate over there, and the high interest return here, so that you feel that you have money to make, and if you don't make money, you won't make money in vain, and as a result, your first month of return is very high, and the company goes bankrupt and leaves in the second month.

Therefore, as a student, I have not yet entered the society, and there are many things that I don't understand, which are very fresh and easy to let go.

1. Any ** on the grounds of canceling a BAI campus loan is a scam.

2. Any DAO that asks for a fee before lending money is a SHU fraud.

3. The loan must be through a bank or a formal loan company.

In many places across the country, there are new ** "cancellation of campus loans", and many students in school and recent graduates are "recruited", and the amount defrauded is as little as a few thousand or as many as hundreds of thousands.

Xiao Chen in Yangzhou, Jiangsu Province suddenly received a ** who claimed to be a customer service of a loan company, and the other party said that Xiao Chen had borrowed a 9,000 yuan "campus loan" during college that had not been repaid, and now the country is vigorously rectifying the campus loan, and if Xiao Chen does not repay it, it will affect personal credit.

Since 2016, the relevant state departments have successively issued the Notice on Further Strengthening the Rectification of Campus Online Loans and the Notice on Further Strengthening the Standardized Management of Campus Loans, requiring institutions established without the approval of the banking regulatory authorities to prohibit the provision of campus loan services, and expressly prohibiting Internet lending platforms from lending to college students in any form.

With regard to the issue of usury arising from campus loans, the Several Opinions on the Trial of Private Lending Cases by the People's Courts clearly stipulates that the interest rate of private loans shall not exceed four times the interest rate of similar loans of banks (including the interest rate principal). If this limit is exceeded, the interest on the excess part shall not be protected. The lender is not allowed to accrue interest to the principal for usury.

During the trial, if it is found that the creditor includes the interest in the principal to calculate compound interest, the interest on the excess part shall not be protected if the interest rate exceeds the limit provided for in Article 6. A loan relationship formed by one party by means of fraud, coercion or other means, or by taking advantage of the danger of others, so that the other party violates its true intentions, shall be deemed invalid. If the invalidity of the loan relationship is caused by the creditor's behavior, only the principal shall be returned; If the invalidity of the loan relationship is caused by the debtor's behavior, in addition to the return of the principal, interest shall also be paid with reference to the interest rate of the same type of bank loan.

Statistics from research institutions show that in the first half of this year, nearly 10,000 cases involving "cancellation of campus loans" were monitored.

The China Consumers Association suggests: be wary of "canceling campus loans"** and do not transfer money to unfamiliar accounts; Establish a correct concept of consumption, and be sure to do a good job in the preliminary work when applying for loans; Take the initiative to learn financial consumption knowledge and keep personal information; Keep the relevant evidence and actively report it to the relevant departments. Pay attention, study the law and don't get lost.

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