5 people arrested in Logroño, Castellón and Palma for cheating 200,000 euros with fraudulent online loans

5 people arrested in Logroño, Castellón and Palma for cheating 200,000 euros with fraudulent online loans

Agents of the National Police have dismantled a criminal group dedicated to the commission of scams, for more than 200,000 euros, through the mass contracting of fraudulent loans over the Internet, as reported this Friday by police sources in a statement.

As a result of the operation, it has stopped in Logroño, Vila-Real (Castellón) and Palma de Mallorca its five members, three women and two men, who had been operating systematically and regularly for three years.

228 victims have been identified scattered throughout the Spanish geography and two records have been made in homes of Logroño, involving numerous physical documentation and computer supports directly related to the criminal acts.

The investigations began based on several complaints filed during the last quarter of last year by citizens of Zaragoza, who reported that several financial credit institutions that operate over the Internet had contacted them to demand the non-payment of small loans, contracted from illegitimately months before with your personal data.

The main researcher, a 44-year-old man with a degree in Economics and resident in La Rioja, although with close family ties in Zaragoza, had several police records for acts of the same nature.



The ideologist of the group preconceived the criminal plan, consisting of systematic online hiring of fraudulent loans, continuously and over time, on behalf of and using the personal data of third parties without their consent, in a score of financial credit institutions .

Firstly, it analyzed the different requirements of documentary type required to obtain the loans, referred to in the different Internet portals, being indispensable in all cases the personal documentation of the applicant.

For this, he obtained the photographs of the DNI of the injured, devising a method consisting of organizing job interviews, for a supposed and never effective position offered in Zaragoza, by his company.

That is, the interviewees in search of a job gave their personal documentation for this purpose and then several photographs were taken, the reason for the interview being really the simple obtaining of this documentation.

Then, once he had these photographs in his possession, he falsified various additional documents (payrolls from the Public Administration, bank receipts, supply invoices, etc.), with the purpose of appearing to the highest possible degree of guarantee, based on the requirements of financial entities.

Thus, he requested consumer loans, usually of modest amount, on behalf of these people, supplanting their identity, submitting the necessary documentation and pretending to be the legitimate holder of the same.

These requests were made through Internet, using the contracting facilities that this means and that the financial entities themselves grant, and also used computerized masked connections in order to leave no identifying sign.

Although it was mostly modest loans, the large number of injured (228 have been accounted for) and loans contracted in each (usually three or four), makes the total fraud to the twenty establishments affected credit exceeds 200,000 euros, paying the amount of the same in bank accounts of various entities open ad hoc for this purpose.

These accounts were always in the name of the principal investigated or on behalf of persons of his full trust (the other four detainees, including his wife).

The money obtained was quickly arranged, when transferred to other accounts, reimbursed in cash at ATMs or used to recharge prepaid cards with which they made various purchases.

With regard to the victims, their names were inserted as debtors in the different files of unpaid in Spain, a fact that poses enormous difficulties when it comes to accessing any financing.

Even they were also taken to trial for these alleged defaults, by the financial credit institutions, ultimately harmed, with time, money, loss of financial reputation and mental burnout that this situation can entail.

Two registers have been practiced in Logroño, involving numerous physical documents and computer supports directly related to the criminal acts. The main detainee, after giving a statement at the police headquarters, was placed at the disposal of the judicial authority in Zaragoza, who decreed his immediate admission to prison.