Kunming beauty fraud

"Mirror, mirror, tell me, who is the most beautiful person in the world?"

Do you think the legendary "beauty loan" only appears in TV series?

A realistic version of "Beautiful Loan" was also staged in Kunming. When they think their dreams come true, they are waiting for an unexpected ending.

Recently, the Criminal Investigation Brigade of Panlong Branch of Kunming Public Security Bureau cracked the first medical fraud case in Kunming. It is reported that the victims are mainly women, with a total of 58 people. The youngest is only 18 years old. Let's uncover the true face of this "beautiful loan" medical fraud case.

The parties from "free" to "loan" fell into a beautiful trap.

"Beautiful Loan" Fraud Routine

At the end of last year, Xia Xia (pseudonym) accidentally saw an advertisement of "models encourage each other" in the WeChat group, in which the words "free medical beauty" stood out. Xia Xia immediately got in touch with each other and was ready to experience it.

According to the instructions of the other party, after Xia Xia arrived at a medical beauty hospital in Kunming, a facial doctor immediately made a "professional" facial design for Xia Xia. Persuaded by the insider "sugar-coated cannonball", Xia Xia gave his identity information and mobile phone to the salesman who promoted the medical beauty project.

After more than ten minutes, Xia Xia took back his mobile phone and found himself "borrowed". She not only became a customer of the hospital, but also became a lender of an online loan platform, and the borrowed money was directly credited to the hospital account.

Tell Xia Xia, the salesman, that as long as he signs an award agreement with the hospital, he will officially become a "model" of the hospital, and help the hospital carry out publicity as required, and the loan will be borne by the hospital. The salesman assured Xia Xia that the medical beauty program was free.

Two months ago, the hospital repaid Xia Xia's loan on time according to the Repayment Agreement. But in the third month, the hospital suddenly "turned its face", unilaterally changed the repayment conditions, and decided to stop repayment after default without authorization. Unable to repay the loan, Xia Xia not only often received phone calls from loan companies, but also suffered facial injuries shortly after plastic surgery. "Free" has become a trap, and medical beauty has also become a medical accident.

With the help of the secret police, beat around the bush and take evidence circuitously.

At the end of 20021,a group of young people poured into Qinglong police station of Panlong Branch. They had a similar experience in Xia Xia. After doing a "free" medical beauty project in a medical beauty hospital in Kunming, they all got different online loans and could not repay.

The police quickly investigated and collected evidence from the medical beauty hospital involved. During the investigation, it was found that the criminal suspect's modus operandi in this case was highly similar to the "Yuexiu Medical Plastic Surgery Project" detected by Wuhan Public Security Bureau in March 20021. During the investigation, many victims still came to report the case.

Stripping police expose medical beauty fraud routine

Liars also have levels.

After investigation, at the beginning of 200211,the suspects Mu Mou, Luo Mou and Gan Mou proposed the propaganda method of "modeling for medical beauty for free" to form a medical beauty marketing team. Then, they reached a cooperative relationship with Jane, who claimed to be a "shareholder" of the medical beauty hospital, and jointly launched a false activity of "modeling for free".

Centralized criminal gangs expose "the true face of Lushan Mountain"

On the basis of obtaining a large amount of evidence through careful investigation in the early stage, the Criminal Investigation Brigade of Panlong Branch began to "close the net". On March 3, 2023, the police of Criminal Investigation Brigade, Netan Brigade, Special Police Brigade and Qinglong Police Station of Panlong Branch raided the medical beauty hospital, and arrested 7 suspects according to law, and released on bail pending trial 1.

After investigation, the police investigating the case found that there were only a few hundred yuan left in the account set up by the hospital at that time, and the illegal funds obtained by fraud had already disappeared.

According to the criminal suspect, the illegal funds transferred from the lending platform to the hospital were "washed white" by "professionals", then passed through several private accounts, and finally transferred back to the account of the medical beauty marketing team.

Cheating escalation, playing the "dark bar" under the "winning number"

"Beautiful Loan" Fraud Routine

Fraud means are more subtle, and the flow of illegally obtained funds is more dispersed, involving a large number of people. This medical fraud case is hard to prevent. In the past, fraudsters mostly used "work needs" as an excuse to make job seekers who came to apply for plastic surgery. This time, the fraud gang constantly upgraded the fraud routine, playing the "winning number" but playing the "dark bar". Voluntary signing of agreements, formal loan channels, and no injection of funds related to black and evil, seemingly legitimate medical beauty projects, in fact, hurt the soul, full of routines.

The scam behind the "beautiful loan"

No.65438 +0 zero down payment and zero interest

Some medical and beauty institutions use "zero down payment and zero interest" as a gimmick to induce consumers to sign medical and beauty installment contracts with financial institutions and carry out high-priced plastic surgery projects.

After the loan is approved, the financial institution will directly transfer the funds to the medical and aesthetic institutions. Consumers not only have to repay the principal, but also pay hidden costs such as high handling fees. The actual amount is "comparable" to usury.

I want to be red on the 2 nd, so I need plastic surgery first.

Some medical and beauty institutions and financial institutions jointly publish false recruitment information to attract young women who have just graduated to interview models and online celebrities. Then, on the grounds that the work needs to improve the image, the interviewee is induced to go to a medical and aesthetic institution for plastic surgery, and at the same time, he applies for a loan in his own name to defraud the plastic surgery loan fee.

Once the high interest rate of "Beautiful Loan" can't be repaid, the phone numbers of relatives and friends filled in at the time of loan will be bombed in turn, and the home address left behind will also be threatened and collected by "social people".

NO.3 free plastic surgery costs nothing.

Some medical beauty institutions offer free plastic surgery programs or claim that they can get free plastic surgery if they want to find a model to speak for them. But in fact, the loan money is sent directly to the medical and aesthetic institutions, and the loan information belongs to the victim himself, and he needs to repay it eventually.

Police reminder

In daily life, we should be wary of all kinds of loans with simple publicity procedures, low interest, no guarantee and quick repayment. Once you encounter a scam, please call 1 10 as soon as possible, and don't blindly "loan" into the abyss according to the requirements of criminals.

In the process of pursuing "transformation", we must polish our eyes and enhance our awareness of self-protection and prevention. There will be no pie in the sky. Behind a beautiful loan is not beauty, but the "loan" price to be repaid with blood and tears!

Related questions and answers: What is a beautiful loan? Beautiful loan is an illegal loan, a cosmetic loan, which makes the victims fall for it at a very high interest rate. It is to let girls show more beautiful meanings, so it is called beautiful loan. However, the interest rate of beautiful loans is very high, and some even 100%. : 1. loan principle: the "three principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency." (1) loan security is the primary problem faced by commercial banks; (2) Liquidity refers to the ability to recover the loan within a predetermined time, or realize it quickly without losing ground, so as to meet the needs of customers to withdraw deposits at any time; (3) Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. 2. The significance of the emergence of loans: banks put concentrated monetary and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy. 3. Precautions for loan: (1) The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change; (2) The purpose of the loan should be legal and compliant, and the transaction background should be true; (3) according to their repayment ability and future income expectations, choose the repayment method that suits them; (4) Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income; (5) Read the terms of the contract carefully and understand your rights and obligations; (6) Repay on time to avoid bad credit records; (7) Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan; (8) Advance payment can only be processed by communicating with the bank one month in advance. (9) When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to issue a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.