Is Malaysia's loan app credible?Legal online private loan companies are scams

Please don't send this article to those scammers, otherwise the scammers will be alert and block you directly, so you can't well assist the police in bringing the scammers to justice.

However, please be sure to share this article with your relatives and friends to read, in order to avoid them being deceived.

Because the liar said:

"If we were going to lie to you today, I would have blocked you long ago. Do you think it is logical?"

• Liars will say this, but it is actually a "delayed strategy". It is obvious that they are cheating but they do not admit it. They pretend that they are not cheating and want to continue cheating for more money.

If you are deceived and have enough time and energy, it is recommended that you call the police immediately.

The bank account number and name of the recipient provided by the scammer is one of the clues, which can help the police find these scammers through the bank account number and name of the recipient.

• As the saying goes: "An inch of time is worth an inch of gold", and time is money.
• I didn't call the police, it was a waste of time for me to call the police.
• Because I have too many things planned to do, and I have this time to go to the police and talk to the police, it is better to concentrate on doing things that can effectively increase my income, such as: optimizationE-commercewebsite, doWeb Promotion.

马来西亚Are online loans reliable?

I have a friend who recentlyLifeThere are difficulties, because this friend is very important to me, so I have to help this friend.

The reason for helping this very important friend is that this friend has a good relationship with my future life and development.

I want to lend money to this friend. On February 2021, 2, I searched for "borrow money" on Google and saw that a "legitimate loan company" was advertising Google Ads.

• These online fraudsters pretend to be experienced loan companies and ask netizens to submit detailed personal information, including bank accounts and other information, so that these netizens believe that they are indeed following the loan application process.

After entering the website or APP claiming to be a "legitimate loan company", fill in the loan application form and leave my Whatsappcellphone number.

The scammer contacted me on Whatsapp at noon the next day (February 2021, 2).

First, the legitimate loan company scammers introduce themselves:

I'm Marcus,From Loan Company
Please Prepare All the Document Before Appointment
Mr/Mrs/Ms
I'm the personal loan agent,
Do you have apply for personal loan?
I am an Agent of a private loan company. Have you applied for a private loan?

The liar said that they can only communicate on Whatsapp for recording purposes, not to make callscellphone number.

(Why can't you call the mobile number? After being deceived, it is speculated that you do not want Malaysia Telecom to use the mobile numberPositioningTracking location was caught)

The scammer then asks for the following:

1. ID card before and after photos
2. Payroll for 3 months
3. Bank transaction details for 3 months
4. house utility bill
5. Company name and mobile number

Sila sediakan
1. Ic photo depan belakang 
2. Payslip 3 month 
3. Bank statement 
4. Rumah air bir 
5. Company name and phone number

I told the other party that I was a freelancer and didn't have a company, so I couldn't provide a pay slip.

After submitting the above information, the scammer asks to submit the following information to them:

• 2-digit emergency contact details, receiving bank account number and name and name.

*Sila sediakan*
Emergency Contact
Nama : 
Telefon no: 
Hubungan :

Emergency contact
Nama : 
Telefon No:
Hubungan：

Bank acc : 
Bank ：
Name：

*Isi family saja*
*Isi penuh nama
*Isi telefon nombor boleh call
*Hubungan sila isi 
*Ayah-ibu-abang-adik-kakak-adik perempuan

JAYA PRO CREDIT LOAN COMPANY IS A SCAM SCAM

After submitting the information, wait for about an hour for the company to approve the loan.

(It takes about 1 hour for the scammer to approve it now. There are two purposes. One is to pretend to be a legitimate loan company, and the other is to analyze the submitted information to find out if you are eligible to start cheating money. I remember a few years ago. , I have also found a similar website for borrowing money and legal loans. After leaving the contact information, the other party asked to submit similar information. It may be because my bank transaction amount was too small at that time, so the liar knew about my situation and said that they could not lend to me. )

After 1 hour, the scammer claims that you need a record of borrowing and repaying the small loan before the company can approve the loan of RM5000 (the minimum loan amount is RM5000).

Legitimate Loan Company Advanced Scam

Advanced scam to gain trust first: The other party said to lend me RM100 first to gain initial trust.

The voicemail of the legal loan scammer said: "The company will give you RM100 in advance to prove that you have a loan record in the company, and then you will pay RM500 to my company"

I need to borrow and repay. The other party first lends me RM100, and then I need to transfer RM500 to them. The RM400 is lent to the company to prove that there is no problem with the financial situation, and then they can give me a loan of RM5000.

Then, the scammer initiated a Whatsapp call and changed his mouth, claiming that because the company has to pay the lawyer's fee, he asked me to transfer RM500 to the company first, and then the company would transfer me RM100.

• In fact, any loan does not require you to pay the loan fee in advance.Now that the loan is approved, why can't it be deducted directly from the loan?
• Even if the payment is real (impossible), it must be to the account of the lending company and not the personal account where any processing fees are paid.The loan company lends you money, but the "fee" requires you to enter someone's private account, logical?

Because I believe in Google, don't be evil (English: Don't be evil) is Google's previous corporate motto and slogan, so I have no doubts about Google advertising. If I want to borrow RM5000, I have to choose to believe it.

Just trusting Google and getting scammed.

I blindly believed in Google ads and transferred RM500 to the scammer first.

Then, the scammer transferred RM100 to me in order to gain trust and cheat me of more money.

Afterwards, the other party deleted the transaction screenshot of the RM100 transferred to me on Whatsapp.

This is the screenshot of my login to the RHB Bank website, the transaction record that the scammer transferred RM100 to me▼

07/02/2021
RPP INWD INSTC
AGUS PURWADI BIN HASSAN
ok
100.00

After the scammer successfully defrauded RM400, he asked me to transfer RM1500 to avoid entering the loan blacklist.

The scammer said that if you do not repay, you will be put on the loan blacklist, and the RM1500 is a guarantee to the government that you will not be put on the loan blacklist.

I said only RM1400, the liar said only RM1400 is no problem, the company can help you out with RM100 first, and then you have to pay it back to the company tomorrow.

After the scammer received the RM1400, they made me wait another half an hour.

After waiting for about half an hour, the liar said, "The system suddenly pops up and prompts you to buy insurance before you can get a loan. Suppose you have no insurance and you die in an accident, who will pay the company back? After buying this insurance, even if you have an accident, the insurance company will The claim will be paid to our company. Now you need to pay the insurance premium of RM2000 before the loan can be issued to you.”

The liar said: "No matter what, this insurance is very important, because the epidemic is very serious now, so there is no way"

It was only then that I realized that I had been deceived, because I never bought insurance, and I knew that insurance had a lot of fraudulent elements.

So far, I have not transferred the money to the scammer, and the scammer also asked me to find someone to borrow RM2000 to buy insurance before they can lend to me.

I immediately asked to cancel the loan and refund the money I transferred to them.

The scammer said to pay the refund fee of RM500, which can only be refunded to me after the refund department has dealt with it.

Said that the other party is a liar, the other party said angrily:

"Please respect your tone, if we are going to lie to you today, will you still see me talking to you on the phone, will I follow up on your stuff? No, if we are going to lie to you today , I have blocked you a long time ago. Do you think it is logical? Today we are going to lie to you today, why are we talking to you on Whatsapp, you can't see me long ago"

In fact, the liar said this, it was a "delayed strategy". It was obvious that he was cheating but he didn't admit it. He pretended that he was not cheating, and wanted to continue to cheat me for more money.

This is a high-level scam that the fraud group cooperates with many people. There are 2 scammers Whatsapp contact me to defraud me together:

The scammer pretended to be a legitimate loan company and asked for money to show that I had the ability to repay ▼

The scammer is afraid of being found out and dare not use his bank account, the bank account that makes the money to the scammer is a Malay name ▼

• The scammer is Chinese, but uses a Malay bank account to collect the money.

Whatsapp mobile numbers of 2 scammers:

• +60 11-1440 9243 Marcus
• +60 14-6951 439 Jackson

CIMB bank account used by scammers to receive money:CIMB 7635249659

CIMB bank account name used by scammers to receive money:Noraini Binti Jahi

Update on February 2021, 5:

• Netizen Lin Weiyu commented: Thank you for sharing, they have changed the company name to Amanah i-cash
• Also Marcus, same photos
• CIMB 7075551721 Maruna Binti Sarau

Click the link below to learn how to check the scammer's mobile number and bank account online▼

How to check the mobile phone number of the fraudster's bank account?Check if it is a scammer phone number software

How to check the bank account/mobile number of the scammer?Money donkey fraud online query tools E-commerce and online shopping have formed an inevitable trend, and now more traditional companies put their products on the Internet for sales.Although online shopping is very convenient, we also find that many people are caught by fake merchants…

Conclusion

Only now do I recall that a Malaysian WeChat netizen said,Chen WeiliangThe legitimate loan company shown by the Google ad on the blog site is a scam, he got scammed.

Because I complained to netizens at that time, I knew that netizens might ask me to borrow money if they had no money, and I didn’t know how to deal with it, so I chose to ignore it, which caused me to forget about the complaints from netizens. The result was deceived.

SpaceThere is a natural law of return, I make a websiteSEOTraffic sells Google AdSense ads, and many scammers put Google Ads ads in the name of "legal loan companies". It seems that many people have cheated. This is my retribution for ignoring complaints from netizens.

Don't be in a hurry when doing anything. Once a person is anxious in his heart, his awareness of prevention will drop, making it difficult to raise vigilance.

Although Google AdSense is a good passive income channel, it's okay for me to be deceived, but many people are deceived and have no money. I really don't want more people to be deceived.

Because the current money system on earth has not been abolished, and life without passive income will be very painful, so I am also forced to give up Google AdSense ads to make money.

After reflecting on myself, the measure I dealt with was to set a ban on loans and borrowing category ads from appearing on my Google AdSense ads ▼

please don'tChen WeiliangBorrow money:

I chose to write an article to expose the scams of online loans in the hope that more people would be more vigilant to avoid being scammed.

Welcome to share this article with your relatives and friends, so as not to be deceived.

If you do encounter financial difficulties, you can go to the Daai crowdfunding platform in Malaysia to initiate crowdfunding assistance, please browse the following articles to learn ▼

How can individuals start crowdfunding when they encounter financial difficulties?Malaysia Big Love Crowdfunding Platform

As the world is affected by the new crown virus, many traditional enterprises have closed down, and a large number of migrant workers have lost their jobs, so many people are experiencing economic difficulties.Some Malaysians, family members and friends are sick and have financial difficulties. They think of borrowing money online when they need money urgently. However, legal online private loan companies are all...