How to report a routine loan operating without a license, how to report a routine loan

Just call the industrial and commercial department 12315 to report and complain.

Simple and convenient Even if no one answers, you can report it through the recording.

But I'd recommend playing in public language.

Lest your private ** be recorded.

When making a report, you can clearly state the location of the unlicensed operation.

I'm ** road loan, forced loan! The report is not accepted, there is no way to ask for help, and the ** department doesn't care?

In June 2017, I received a loan company **, saying that their company has a high loan amount, low interest and fast disbursement! Let me take the real estate certificate and credit report and other materials to their company for consultation!

When I arrived, I asked them to hand over the real estate certificate, ID card and other materials to them for verification, saying that the results would be available in a few working days! Let me go back first and wait for the result, I want to get my documents back and go back! They told me that the documents had to be left with them and wait for the bank's approval, and told me that there was no problem and that the interest was up to 5%!

Started promising that I would have no other fees except for the 3-point loan service fee, so he took me to the housing authority to apply for a mortgage, and then took me to the company to sign the contract! When I signed the contract, I was told that there was a 3% loan service fee + 3% on-time repayment deposit + 30,000 overdue repayment call deposit!

At this time, I knew that it was a pit, and I said no loan at that time! They told me that the loan was unsuccessful due to my personal reasons, and I still need to pay three times the loan service fee of 3% and a mortgage decompression fee of 20,000 yuan! Tell me that if I don't pay it, I won't be unstressed, and the real estate deed and other documents won't be given to me!

Forced to sign a loan contract.

I went to the local police station to report the case, and the police who handled the case told me that this was a civil dispute, and they didn't care!

I borrowed 170,000 and lended 170,000! On the same day, pay them 3% of the loan service fee + 3% of the repayment deposit + 30,000 post-loan management deposit, a total of 10,000! Actually get your hands on 10,000!

The loan is 4,517 yuan for 5 years and 60 installments, with a total repayment of 10,000 yuan!

In other words, I have 10,000! 5 years repayment of 10,000!

The repayment amount is multiple the principal amount!

Want to know how I can defend my rights?

Ask for help.

Routine loans are illegal and criminal, as long as you call 110 to call the police.

Routine loans are used to induce or force the victim to sign a loan for the purpose of illegal possession and in the name of private lending"Borrowing"Or in disguise"Borrowing""Mortgage""Warranties"and other relevant agreements, forming false claims and debts through methods such as inflating the amount of loans, maliciously creating a breach of contract, arbitrarily determining that the victim is in breach of contract, destroying evidence of repayment, etc., and using litigation, arbitration, notarization, or the use of violence, threats, or other means to illegally occupy the victim's property.

Right"Routine loans"Where there is indeed evidence that three or more persons formed a relatively tight and fixed criminal organization, and that the crime was premeditated and planned in the first place"Routine loans"Where a crime has already been formed, it shall be designated as a criminal group.

Routine loans are reported at the police station. The "borrowing" of "routine loans" is an excuse for the defendant to embezzle the victim's real estate and property, so the "routine loan" is the fact that the victim illegally occupies the victim's property in the name of "borrowing". The loan shark wants the borrower to pay high interest and return the principal as agreed, in order to obtain high interest.

The basic characteristics of the crime of "routine loans:

The first is to create the illusion of private lending. The defendant solicited business in the name of a "microfinance company", signed a loan contract with the victim, created the false impression of private lending, and used various names such as "liquidated damages" and "security deposits" to deceive the victim into signing a "falsely inflated loan contract", "yin and yang contract", real estate mortgage contract, and other contracts that were obviously unfavorable to the victim.

The second is to create traces of bank flows, deliberately creating the false impression that the victim has obtained all the money borrowed under the contract.

The third is to unilaterally and arbitrarily determine that the victim is in breach of contract and require the victim to immediately repay the "inflated loan".

Fourth, maliciously inflating the amount of borrowing. When the victim is unable to pay, the defendant introduces other fake "microfinance companies" or individuals, or "pretends to" other companies to sign a new "inflated loan contract" with the victim to "settle the account" and further increase the amount of the loan.

Fifth, they use both soft and hard methods to "collect debts", or file false lawsuits, and achieve the purpose of embezzling the property of the victim or his close relatives through a judgment in favor of the case.

WeBank car loan, no one told me that it was a contract, the font size could not be smaller, and there was no contract in hand, and it was paid off in advance in the twenty-first month, but the first car loan asked me to pay 5% of the early repayment

With sufficient evidence, the victim of the fraudulent loan can go to the local police station to report the case.

Now that the state is cracking down on routine loans more and more strictly, and there is already a law to follow in 2019 to crack down on routine loans, if you encounter "routine loans" with the following characteristics, then, you can collect evidence and report to the police:

1. Fabricating facts for the purpose of illegal possession, with the purpose of obtaining property by fraud;

2. Fraudulent means, violence, threats, false lawsuits and other means;

3. Helping illegal lending institutions to intentionally harm, illegally detain, or harass the normal life of borrowers, family and friends.

Legal analysis: Routine loans can be reported by dialing the 110** number. If you call the police, you will be defrauded of 3,000 yuan to file a case, and the police will file a case to deal with it.

Legal basis: Article 266 of the Criminal Law of the People's Republic of China: Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.

Legal analysis: **If you have a road loan, you can go to the public security organ, people's procuratorate or people's court to report or report. Fraudulent loans are a form of behavior that is part of the crime of fraud, so any unit or individual, or the victim, can report and complain to the public security organs and other judicial organs.

Legal basis: "Criminal Law of the People's Republic of China" Article 266 Fraud of public or private property, where the amount is relatively large, is to be sentenced to up to three years imprisonment, short-term detention or controlled release, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property.

Criminal Procedure Law of the People's Republic of China》 Article 110: Any unit or individual discovering the facts of a crime or a criminal suspect has the right and obligation to report or report the case to the public security organs, people's procuratorates, or people's courts. Victims have the right to report or make accusations to the Chuntongshou public security organs, people's procuratorates, or people's courts about the facts of the crime or the criminal suspects who have violated their rights in their persons or property.

Legal analysis: If Bi Xiansheng is really a routine loan and is suspected of committing a crime, it should be under the jurisdiction of the public security organs. The specific department is the "police investigation" organ of the public security organ, and you can bring the above materials to the jurisdiction to report the case.

When encountering online IOU routines, the choice of reporting or reporting to the police depends fundamentally on the degree of harm caused by the other party's behavior and the evidence in our hands.

Legal basis: Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts

Article 10 The loan relationship formed by one party by fraud, coercion and other tricks or taking advantage of the danger of others to make the other party violate the true intention of the other party shall be deemed invalid.

Article 11 Where the lender clearly knows that the borrower borrows money for the purpose of carrying out illegal activities, the lending relationship shall not be protected.

Legal analysis: If it is really a routine loan, it is suspected of a crime, and it should be under the jurisdiction of the public security organs. The specific department is the "police investigation" organ of the public security organ, and you can bring the above materials to the jurisdiction to report the case.

When encountering online IOU routines, choosing to report or falsely report is to report to the police, which fundamentally depends on the degree of harm of the other party's behavior and the evidence in our hands.

Legal basis: Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts

Article 10 The loan relationship formed by one party by means of fraud, coercion or other means, or taking advantage of the danger of others, so that the other party is in a position to hold the other party contrary to its true intentions, shall be deemed invalid.

Article 11 Where the lender clearly knows that the borrower borrows money for the purpose of carrying out illegal activities, the lending relationship shall not be protected.

Legal Analysis: Conventional loans may constitute the crime of fraud and should be reported to the public security organs.

1. Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine;

2. Where the amount is huge or there are other serious circumstances, a sentence of between three and ten years imprisonment and a concurrent fine is to be given;

3. Where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or life imprisonment is to be given, and a concurrent fine or confiscation of property is to be given.

Legal basis: Criminal Law of the People's Republic of China

Article 266:Where public or private property is defrauded and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions. Ode to the roughness.

Legal analysis: Routine loans should be reported to the public security organs. Provide the following evidence to **:

1. Recording: Every time you meet with the lending institution to discuss the conditions, sign the contract, collect, chat and other conversations, you will be recorded;

3. Any contract, agreement, written text, transfer voucher;

Legal basis: Article 266 of the Criminal Law of the People's Republic of China: Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.