On June 13, 2023, an unwarranted disaster occurred in my life. On that day, I was defrauded of 390,000 yuan by telecommunications, of which 40,000 yuan was my own, and the rest was all loans. When I think back to that experience, I can't help but feel like a knife.
At the beginning, a person who claimed to be a customer service person called me and said that he needed me to add a QQ number to return the tuition fee of the Tanzhou education I signed up for a few years ago. At that time, I was busy with work, so I just hung up without paying attention to it. However, about two days later, I received a text message from him, which probably said that Tanzhou Education had entrusted them to return the tuition fees, and finally attached a QQ number.
I was skeptical about this, but the other party kept contacting me, which made me think that this could be a real refund. So, with the mentality of giving it a try, I added QQ, and was pulled into a group chat. The notification in the group told me that there was an app link with two customer service staff to guide me on how to operate.
At first, I was wary of the app, worried that it was a virus. However, the customer service staff sent me various proofs, including the transfer information of the successful refund. I was so moved that I clicked on the link** an app called "Service Center".
In the app, I saw a group of more than 3,000 people, in which the return plan was announced in real time. I followed the customer service steps inside and withdrew 128 yuan. Subsequently, the customer service told me that if I want to continue to refund the fee, I need to recharge the principal by myself, and then follow the **information released by the teacher to buy**, and I can use the income as a refund of tuition fees.
At that time, I was carried away by the return information in the group, so I recharged 5,000 yuan, and then followed the teacher to buy ** twice, which appreciated by 400 yuan. At this time, the teacher said that due to the large number of people, they did not have time to send text messages one by one, and the refund work needed to be completed within two days. If it is not completed on time, it is not known how long the subsequent refund will be delayed.
So, I was pulled into a group of five people to refund together, and five people bought ** at the same time. At the time, I didn't think much about it, thinking that it wouldn't make much difference if I bought each one anyway. And I'm more introverted, a people-pleaser, and don't say no to others. Let's follow the steps to buy **.
However, things didn't go the way we expected. The teacher began to say that I did not strictly follow the steps he provided, which seriously affected their internal cash flow. Because of the large number of people and the large amount of money, it takes a lot of money to make up for it. But there is also a benefit, that is, the more you invest, the more you earn. I was also a little panicked at the time, feeling that he was so serious that the refund work could not be continued. The people in the group were urging me, scolding me, and telling me to follow their remedy.
Looking back on this fraud experience, I am deeply saddened and remorseful. I have never been able to forget the debt and predicament behind the 390,000 amount. This lesson taught me a truth: there is no pie in the sky. Behind those seemingly enticing opportunities there are often huge pitfalls. I hope you will take this as a warning and don't fall into such a trap like me.
In this well-designed trap, I was like a moth to a fire, unable to extricate myself. They threw out three plans, like bait, to lead me deeper step by step. I chose the seemingly mild plan, and after emptying my little coffers, they threw a new trap. At this point, I was penniless, so they recommended a second mentor who was eager to guide me on how to take out a loan. I had expressed doubts and refusals, but the mentor tricked me into continuing for various reasons. He said that as long as the plan is completed, the income will be very considerable, and he even promised to bear the interest on the loan for me. At the same time, he also threatened me that if I gave up, the four people who were with me would not be able to return the money, and the people who had been charged in front of me would also be lost. I was persuaded by his rhetoric and started taking out loans from major platforms. From Alipay borrowing, online merchant loans, to installment loans, Xiaoying card loans, Anyi flowers, foreign money banks, etc., I have borrowed 200,000 yuan, and there is still 110,000 yuan short. In the case that there is really no money, the mentor said that you can apply to the company first, put it on first, and then pay it back after the plan is completed. After a few twists and turns, I finally completed their request, and the amount of cash available in the app was quite substantial. However, when I tried to withdraw money, they said that I had to send the money from the company first. I was terrified, and if I couldn't bring it up, I would be really lost. Later, I really couldn't borrow money, and I borrowed twice in Huawei wallet, and I thought I could withdraw after recharging, but at this time, the customer service said that my money this time was different from the previous times, and I needed special note 1 to identify, I was so angry that I couldn't do it, and I borrowed it from relatives, and finally withdrew it after recharging, and said that my amount was too large, and I needed to pay 10% of the tax before I could withdraw it. It was only then that I realized that I had fallen into the trap of telecom fraud. But it was too late, and I couldn't undo the mistakes I had made. Now that three loans are overdue, my future is bleak. I lived in pain and self-blame every day, and I didn't dare to let my grandparents know about it, for fear that they would not be able to bear the blow. And my mom also found her other half this year, and I don't want this to affect her happiness. After telling my brother, I thought I would be scolded. But my brother quickly calmed down and told me not to think too much about it, to fix it when something had already happened, and not to do anything stupid.
He asked me not to blame myself for this incident, and my brother said that there is something to do now, and when the matter is over, come back to me to find a way to repay the loan first, and not to affect the credit investigation after it is overdue. Then go to a higher paying job and earn more money to solve this matter together. When I heard his words, tears fell from my eyes, and I cried for a long time.
I hope that through my experience, everyone can be warned, be vigilant, do not easily trust the words of strangers, especially those seemingly tempting refund information, protect your property, and don't lose a big thing. 