L Mr. is in his 50s and has gray hair. He opened a company in Nanchong to run a car dealer business.
He said that he is doing a good business and has hundreds of cars under his name, but he also owes loans from many banks. Sometimes, if the capital turnover is not open, he will borrow money to repay the bank loan first, and then apply for a new loan from the bank to repay the private loan to ensure that the "personal credit report" is not affected. The capital turnover method like
has allowed him to come into contact with the usury circle and embarked on a path of no return of "always paying off debts".
When the monthly high interest rate cannot be paid on time, a group of burly young people wearing big gold necklaces or shaved heads will always "precisely lock" Mr. L's position, and then suddenly appear in front of him, following him without leaving a step, or taking him to the teahouse to monitor him, forcing him to call him around to raise money. When he could never raise money to pay interest in the end, the other party directly sent someone to take over the company's seal and finance...
On May 14, the reporter learned from the Gaoping police in Nanchong that the evil force gang of "ustrious lending and violent debt collection" headed by Zhang, led by Zhang, had been successfully cracked down by the police, and the relevant suspect was arrested. Behind this evil force group is a bigger debt collection world for usury.
loan loan gangs usually drive license plate tail number unified luxury car
A car dealer's end of the road
To repay bank loans, "credit reporting"
He owes millions of usury
"We are in business, credit reporting is very important." Mr. L explained the reason why he fell into usury.
comes into contact with "ustrious loans" at a time when capital turnover is difficult four years ago.
On the day in early 2015, Mr. L's 1.5 million yuan loan from a bank was about to expire. In order not to affect the "credit report", he must raise money to repay the loan first. According to the intermediary, Mr. L met the usury broker Zhang, who promised to lend him 1.5 million, but he would charge 300,000 yuan monthly interest.
L originally hoped that the interest rate would be lower, after all, he had only been turning around for a few days, but Zhang did not leave him any room for negotiation.
"At that time, I just wanted to borrow money to pay off the bank's loan first, and then find the bank to re-loan to pay off the usury loan, so I didn't care about the high interest." Mr. L said that according to the industry rules of the usury circle, the interest in the first month would be deducted when borrowing money. On the same day, after he wrote a 1.8 million yuan IOU for Zhang, Zhang arranged for someone to transfer 1.8 million yuan to his bank account, but then transferred 300,000 yuan of interest.
17 days later, Mr. L repaid the usury.
But two days later, when the loan from another bank expired, Mr. L borrowed 1 million from relatives and friends, and there was still a funding gap of 2.3 million. He thought of usury merchant Zhang again. This time, Zhang proposed to borrow 2.3 million yuan and cut off the "head interest" of 700,000 yuan first. Just like the previous method, Mr. L wrote a 3 million IOU to the other party.
Originally, Mr. L planned to return the usury immediately after reapplying for a loan from the bank. But when he paid off the bank loan and was about to apply for a loan again, his information did not pass the bank's review because his "debt ratio is too high."
Bank refused to lend, disrupting Mr. L's overall plan and making him fall into the quagmire of usury.
Because he was unable to pay off the loan loan, Mr. L began to repay a high interest rate of 500,000 yuan every month.
"He (Zhang) has a wide relationship. He said that his subordinates are all people who are mixed in society and are not easy to mess with." Mr. L was still worried when he talked about these experiences to the police officers in charge of the case.
Ultimate loan gangs usually drive luxury cars with a unified license plate number
Ultimate loan maker sends people to follow
Every interest repayment day, it feels like a needle and needle
0 Since he came into contact with usury, the days when he paid the interest every month have made Mr. L feels like a needle and needle
.
If the monthly interest is not paid off on time, Zhang's people will be able to find him soon. Next, these people will follow him closely, or take him to a hotel or tea shop, and ask him to call him everywhere to raise money and pay interest until he raises money or thinks of other solutions.
Of course, if Zhang is in a good mood, he will give Mr. L a grace period of one or two days, but he will charge a liquidated damages of no less than 15% interest on the month. Mr. L told the police that he had borrowed more than 20 loans from Zhang. Every time he borrowed money and collected debts, Zhang would bring several young and strong subordinates with him.
One day in September 2017, Mr. L walked to the door of the company after get off work, and three subordinates of Zhang surrounded him and reminded him: "You should pay the interest today." "I really don't get any money today..." Mr. L begged. He was then called into the car by Zhang who was sitting in the luxury car with the license plate number "377". Mr. L was sitting in the back row, and one of Zhang's subordinates sat next to him. Mr. L was very nervous, worried that the other party would take him to the wilderness to commit violence against him.
Finally, the luxury car stopped at a tea shop he had been to before. Not long after he arrived at the tea shop, two more luxury cars with the last number "377" came. Seven or eight young and strong men got out of the car one after another. After entering the tea shop, they greeted Zhang first, and then found a seat to sit down. During this period, a friend came over when he learned the news, but the other party had no money either.
Until around 7 pm, Mr. L, who was calling everywhere, did not borrow a penny. Afterwards, Mr. L proposed to accompany his friends to have dinner. Unexpectedly, Zhang and his men followed along and finally sat at two tables in a hot pot restaurant. Mr. L originally only bought the order for his own table, but Zhang asked him to buy the order for another table, "Today these brothers are all for your business. After eating, you may not have to pay for the meal?" Mr.
L turned around and looked at the young people on the other table. Several of them had tattoos on their bodies and were shirtless. Although he was reluctant, he still gritted his teeth and bought another table. It was not until around the early morning that Zhang and others agreed to Mr. L to go home, provided that they had to come out at 8 a.m. the next morning. Mr. L said he dared not tell his family about these things. The next day, he asked his daughter to transfer 70,000 yuan to Zhang before he got rid of the other party's control.
"These people don't hit you, they just take turns monitoring you and prevent you from leaving their control." Mr. L said.
members of the usury gang were arrested
4 but have not paid off the "debt"
company was taken over by usury maker
L said that although the money he repaid to Zhang one after another had long exceeded the principal, Zhang counted all the money he repaid as the interest of usury and the liquidated damages generated by failure to repay in time. Such a vicious cycle has led to the company's funding gap getting bigger and bigger... One month, he even privately sold a high-end sedan of his daughter to pay the usury interest of that month.
One day in mid-May 2018, when Mr. L was unable to repay the interest on usury owed, Zhang took people directly to his company to detain 4 new cars, but these 4 new cars were purchased by customers and only affiliated with his company. Finally, although Mr. L asked Zhang to return the new car, Zhang said harshly: "Your son and daughter are not allowed to go to work in the company tomorrow. I will call someone to come to your company to collect money."
"At that time, there were many people, and I dared not resist. I agreed because of helplessness." Mr. L recalled that he was forced to write a 3 million IOU for Zhang that day, "He said I still owe him 3 million, and he threatened to get my family if I didn't write the 100,000 IOU."
About the next morning, Mr. L had just walked out of the community where he lived and was "accompanied" by Zhang's people to apply for a new phone card and bank card. Afterwards, Zhang arranged for Aqiang to enter the company to take over the company's seal and finance. The bank card opened in the name of Mr. L was also kept by Aqiang. After Aqiang accompanied Mr. L to the company, he asked him to announce in front of the company's employees that the company's financial transactions will be made through this newly opened bank account in the future. Mr.
L said that he, his son and daughter never took care of the company again, and the money in the company's account was transferred directly by Aqiang every day, "even a few dollars had to be transferred away."
"I was forced to do what I am now step by step, which caused the company to not be able to operate normally." In September 2018, after the company was taken over by a loan shark for 4 months, Mr. L decided to report it to the relevant departments. To ensure the safety of his family, he transferred his family to other safe places in advance.
Mr. L said that when he reported Zhang and others to the relevant departments, Zhang, who heard the news, had asked him to give up the remaining "debt" of more than 3 million yuan, but the premise was that he wanted him to give up the report. However, Mr. L did not agree because he felt that Zhang took too much money from his company and had to return part of it. After
, Zhang's men withdrew from Mr. L's company and never collected debts from him. He called and sent messages to Zhang and others, but there was no response.
loan loan gangs usually drive luxury cars with a unified license plate number
The Jianghu behind violent debt collection
reporter learned from the Gaoping District police in Nanchong City that after receiving clues about Zhang and others involved in the evil, the police immediately set up a special task force to start a secret investigation of the case. On March 27 this year, the police arrested all the suspects in a teahouse where Zhang and others often visited while the other party was having a meeting.
The police in charge of this case told reporters that the evil gang of "wealth loans and violent debt collection" led by Zhang, led by Zhang, had more than 10 members. Among them, Zhang was sentenced to 10 years in prison for kidnapping. After being released from prison in 2011, he began to engage in usury loans. By the time of the incident, he had developed to a fixed gang with more than 10 people involved, and many of them had criminal records.
According to the police, most of the vehicles driven by members of violent debt collection gangs are luxury cars with uniform colors and license plates, and there is a "boss" or "boss" among the gang members. The monthly interest rate for external loans is as high as 20%, and huge profits are obtained through the form of "profit profit". For example, if the borrower cannot pay off the interest for the time being, the "boss" will issue a new IOU to the other party, adding the interest and liquidated damages owed to the principal and recalculate it. This has led to many borrowers paying back the money, but only paying the interest.
gang members are all luxury cars
license plate number is also unified as "377"
A Biao is 29 years old this year, has a strong figure and only has junior high school education. He joined Zhang's "Ultrition Company" in 2017 through his brother-in-law's introduction. When A Biao talked about this to the police afterwards, he said that when Zhang agreed to join, his physical strength was an important factor because he soon realized that strong physical strength had a natural advantage when collecting debts - "can be fooled."
In addition to being burly, some of the gang members have shaved heads and buzz heads, some have a sword or a dragon tattooed on their backs or arms, or wear a big gold necklace, giving people the feeling of being "in-society".
Police investigation found that the license plate numbers of the evil forces led by Zhang were all "377" in color, and the body color was uniformly white, and they were all luxury cars such as Porsche , Land Rover , Audi , and Audi . In response, A Biao explained to the police officer in charge of the case: "Gold 3, silver 4, seven up and eight down. The meaning of '377' is to use two hoes (7) to dig gold mountains (3)".
A Biao said that every time he goes out to lend or asks borrowers to collect debts, the gang members will drive all kinds of luxury cars and park them in a row so that the other party can understand that their strength cannot be underestimated. In addition, the gang members' figures and outfits will convey a deterrent force to the lenders, "making him feel psychologically stressed and knowing that we are not easy to mess with."
This is indeed the case. Mr. L in the above case also feels that this kind of scene is "more scarier than the kind of underworld played in movies and TV."
For external reasons, A Biao and other members claim to be a certain financial company. However, the company has not registered with the industrial and commercial department and has no fixed office location. The meeting place for gang members is in the teahouse. When there are news of loans or debt collection, they are notified in the WeChat group.
"Boss" is responsible for meeting customers
"Military Advisor" is responsible for making suggestions
According to the explanations of the gang members, the customers who find them to borrow loans are usually contacted by the "Boss" in advance, and then the "Boss" sends the customer's funding needs and the other party's situation to the WeChat group. If a member is willing to lend, he will go to the customer with the "Boss". If he encounters a customer with a large amount of funds, the gang members will raise money and lend together, and then distribute the interest income according to the capital contribution ratio in the later stage.
Of course, not anyone can borrow usury from the "boss". According to the police officer in charge of the case, before lending, the gang members will find out the other party’s background and whether there are mortgaged real estate or vehicles in advance so as to determine whether the other party has the ability to repay. Not only that, there are "military advisors" in the gang who are responsible for making suggestions, helping to draft contracts and writing loan mortgage information when lending.
According to the gang members' confession, when lending usury, the gang members all lend in their own name, and they are responsible for recovering the principal and interest of the loan. In this process, the lending members do not need to pay the agency fee to Zhang. When the lender fails to collect debts, he invites other members to collect debts in the name of the company. However, if someone lends privately without Zhang's knowledge and cannot recover the principal interest at that time, other members of the gang will not help collect the debt.
Install GPS locator
At any time, the police officers in charge of the case said that when Zhang and others were collecting debts from the lender, they mainly used GPS tracking to the other party's vehicles, illegal detention, forced transactions and other methods to force the lender to repay the money. The police investigation found that the amount involved in the gang reached tens of millions of dollars, and there are currently more than 10 victims. Most of the victims are businessmen who urgently need capital turnover and have certain assets in business.
According to several gang members, they have a special "seeking group" with more than 40 GPS locators. After each loan is released, in order to prevent the borrower from "running away", after lending, the members of the "seeking group" will install GPS locators on the other party's vehicles so that they can keep abreast of the other party's whereabouts at any time.
One day in 2017, there were two days before the interest on Zhang was paid. Mr. L and his friend were playing cards in a private room in a tea shop. Zhang's subordinates suddenly pushed open the door of the private room and reminded him to pay back the money on time. Once, he lied that he was not in Nanchong, but when he was driving on the urban roads of the company's employees, he was forced to stop by Zhang's "subject" luxury car. The other party only said one sentence: "We are reminding you that it's time to pay interest in two days."
"I never knew how they found me, just like installing a locator on me." This made Mr. L feel very scared for a moment.
Try not to hit others when collecting debts
Mainly not let you leave
Once there are gang members who lend money to the outside world, they cannot recover the principal and interest of the loan, other members of the gang will drive in luxury cars and rush over to help "break the situation" and let the other party feel "pressure".
According to the gang members, the most common method of debt collection is to "put people" (follow the lender personally), or take the other party to a teahouse or hotel. The gang members take turns to guard the other party, and cannot let him leave without his sight, and ask him to call someone to borrow money until he borrows money.
However, there are times when you hit people. According to the police officer in charge of the case, a victim borrowed 40,000 yuan of usury loans from a member of the gang and had not paid back. The other party asked him to the teahouse. During this period, the victim had a verbal conflict with a member of the gang who came to "smash the scene", and the other party slapped him twice. When this action happened, several other gang members, including A Biao, immediately surrounded him and stared at the victim with vicious eyes.
A Biao later said to the police: "The purpose of doing this is to let him know our 'strength' and not do anything randomly."
Now, this arrogant gang finally cannot escape the legal sanctions. (The characters in the article are all pseudonyms)
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