Cyber Cell Police achieved great success with the arrest of a Chinese man national who overstayed visa period and kingpin of illegal instant loan running racket app with a battery of 60 under him. 20 other defendants was arrested during a 10-day, 5-state marathon operation.
This breakthrough was achieved under the guidance of Sh. Ketan Bansal, SP, PSCyber Crime, UT, Chandigarh and under the close guidance of Sh. Un Venkatesh, DSP/PS-CC & IT UT, Chandigarh and under the supervision of Insp. Ranjit Singh, SHO, PS Cyber Crime, Sec.17, Chandigarh Breaking Online Application Loan Racket scam, in which 21 defendants (including a Chinese) are arrested in the said cases.
The first FIR case n° 33 dated 03.09.2022 U/S 384, 468, 471, 420, 509, 120B IPC PS- Cyber Crime, Chandigarh recorded on Complaint of Sh. Arvind Kumar, in on which he received a link by SMS on his mobile for a loan, while he clicked on the link The Hugo Loan app has been installed and during installation the app is looking for access to his contacts, his gallery, etc. and he allows the same after checking his eligibility for a loan on Hugo app and filled his details also and after this loan eligibility Rs. 3500/- show on app but it didn’t ask for loan and uninstalled the application.
After that, he received threatening calls and text messages on WhatsApp via different virtual numbers and he said he didn’t take any loan from any app but they send his family transformed nude photos and blackmail him for silver. After that he received a call from another mobile number which sends the money otherwise they will circulate their nude photos to his contacts. After that he send Rs. 2045/- on 24.8.2022 and Rs. 3500/- on 30.8.2022 but they are still threatening to viralize the photos on social media and demanding more money.
Special teams carried out raids in NCR Delhi, Rajasthan, Bihar and Jharkhand, UP and a total of 21 defendants are arrested (13 officers/appellants from Delhi NCR, 5 Managers/ Team Leaders from Delhi NCR, Bihar & Jharkhand, 2 people Wan Cheng, Anshul Kumar arrested in Delhi NCR handle money) and Parwej Alam @ Jitu Bhadana @ Sonu Bhadana Arrested in Ranchi, East Jharkhand the main hub in India that handles all areas of all online loan applications i.e. Hugo Loan, Cashfree, Fly Cash, Cash coin, AA Loan. Moreover, during the investigation Rs. 17.31 Lakhs cheated money from different loan applications online are recovered from the possession of Wan Chengua and Anshul Kumar.
The second case FIR n° FIR n° 28 of 30.08.2022 U/S 384, 419, 420, 120B IPC PS- Cyber Crime, Chandigarh recorded on Vinit Kumar complaint in which he alleged that he saw an advertisement on his Facebook the instant loan application namely the AA LOAN APP and the same was installed by him. He got a loan of a small amount of INR 2700/- for a short period of 3-5 days.
Later he paid INR 5000 with high fees through UPI Payment. On 23.08.2022, he again received a call from the mobile number indicating that his loan payment is pending when he told the caller that he had already paid the full amount.
The victim was forced to deposit the loan amount again and again, and when he denied the the same, they start sending abusive messages and es, naked photos of the victim and his family to the WhatsApp contacts of the Victim’s mobile.
For the investigation of these cases, the police teams of Insp Ranjit Singh (SHO, PSCC), SI Krishan Dev Singh, SI Parminder Singh and ASI Balwan Singh have been constituted which carried out raids in various states namely Delhi NCR, Rajasthan, Bihar and Jharkhand, UP and a total of 21 defendants are arrested (13 officers/appellants from Delhi NCR, 5 Managers/ Team Leaders from Delhi NCR, Bihar & Jharkhand, 2 people Wan Cheng, Anshul Kumar arrested in Delhi NCR handle money) and Parwej Alam @ Jitu Bhadana @ Sonu Bhadana Arrested in Ranchi, East Jharkhand the main hub in India that handles all areas of all online loan applications i.e. Hugo Loan, Cashfree, Fly Cash, Cash coin, AA Loan. Moreover, during the investigation Rs. 17.31 Lakhs cheated money from different loan applications online are recovered from the possession of Wan Chengua and Anshul Kumar.
Further away, when checking Wan Chengua passport and visa found expired in 2020 and he resides illegally in India.
OPERATING MODE: The modus operandi of this business is that today a lot of easy loans apps are available on the Google Play Store, which appeal to people for small amounts of loans for a short period as soon as people install this application and give certain permissions, these apps gain access to their phone contacts, Gallery and other apps. In addition, the victim is credited the small amount of the loan by UPI transaction with high fees. After that, these loan applications start to force people to repay their loans after two or three days. So the victim pays the loan amount before the due date, but these loan applications permanently require them to deposit more money or repay loan amount again and again showing loan amount pending in their request. When people deny the same, these loan apps start sending abusive messages and nude photos/videos of victims and their families to WhatsApp contacts the victims.
As the access victim’s telephone contacts, gallery and other sensitive information is already with them, which was taken at the time of installation of the loan application. During the investigation, it emerged that the alleged instant loan The application is developed and managed by Chinese people on Chinese servers.
Moreover these people attract needy people in india and hire them with specific salary like call center jobs and trained them to blackmail people through online loans applications these people recruited victims and force, blackmail & threaten the people or deposit money again and again.
In this way, these loan applications blackmail, threaten and harass people, and many innocent people fall victim to these loan applications and deposit their hard-earned money in different bank accounts.
Even in some states people are committing suicide because of these online loan applications because their transformed nude photos were posted on social media by these loan officers.
RECOVERY: Rs in cash. 17.31 million 9 laptops, 41 mobile phones, Office computer, Wan Cheng’s expired passport
➢ Do not take out loans through loan applications or sources as they collect sensitive information from your mobile phone. ➢ Do not trust online applications or websites ➢ Do not trust advertisements for instant loans ➢ Do not click on links received from unknown sources ➢ Do not install any unauthorized application from unknown source. ➢ Do not install any application that asks for permission from your contacts, gallery, android software