Owe 1 million VND, forced by loan shark to pay more than 173 million VND

The Do Luong District Procuracy has just approved the decision to prosecute the case, prosecute the accused and order the temporary detention of Nguyen Thi Binh (residing in Giang Son Dong commune, Do Luong) for the act of "Extortion of property".

In November 2019, Mr. D.MQ (born in 1976), in Hung Nguyen Town, Hung Nguyen District, borrowed 30 million VND from Nguyen Thi Binh (Giang Son Dong Commune, Do Luong) with an interest rate of 5,000 VND/million/day (calculated monthly) and an initial loan fee of 1 million VND. After that, Mr. Q wrote a debt acknowledgment of 30 million VND.

On January 20, 2020, Mr. Q fully paid the interest for December 2019 and January 2020 to Binh, 4.5 million VND each month. On February 4, 2020, Mr. Q paid Nguyen Thi Binh 25 million VND in principal, still owing 5 million VND and 750,000 VND in 5-day interest. Binh asked Mr. Q to rewrite the debt note for 5 million VND.

But because he could not find the old loan note (the loan note of 30 million VND), Binh had not returned this loan note to Mr. Q. On March 4, 2020, Mr. Q paid Binh 6.5 million VND in principal and interest. Binh returned the loan note of 5 million VND to Mr. Q, but had not yet returned the loan note of 30 million VND. Because he trusted Nguyen Thi Binh, Mr. Q did not ask Binh to write a confirmation that he had paid the above debt.

Subject Nguyen Thi Binh. Photo: Anh Duc

Then, in December 2019, with the same loan method and agreement as the first time, Mr. Q borrowed 20 million VND from Nguyen Thi Binh, after cutting the fee, he still received the loan amount of 19 million VND. After more than 1 month, Mr. Q came to pay Binh the principal and interest. According to Binh's calculation, Mr. Q had to pay 23.2 million VND, of which 20 million was principal and 3.2 million was interest. But he only paid 22.2 million VND, still owed 1 million VND, but Binh still returned the loan note of 20 million VND to Mr. Q.

On March 4, 2020, Binh asked Mr. Q to pay 1 million VND in outstanding interest on the second loan. But Mr. Q said he had already paid, so the two sides argued. Mr. Q said, "That 1 million VND has no documents, so I won't pay it back." Frustrated, Binh looked for the 30 million VND loan paper from Mr. Q. Even though he had paid it off but hadn't gotten it back, Binh continued to pressure him to ask for more.

After that, Nguyen Thi Binh sent a photo of a loan document of 30 million VND via Zalo to Mr. Q to blackmail him, asking him to give 55.3 million VND, otherwise, she would notify his agency. Seeing that Mr. Q had no intention of giving the money, Nguyen Thi Binh went to the agency many times to inform Mr. Q's superiors, threatening to discipline him if he did not give the money. At around 8:00 p.m. on April 2, Nguyen Thi Binh met Mr. Q to receive 55.2 million VND. After giving the money, Mr. Q wanted to get back the loan document of 30 million VND and asked for a confirmation of no debt to report to the leader, but Binh promised to return the loan document the next day.

On the morning of April 3, 2020, Mr. Q and two friends went to see Binh to get the papers. Binh told everyone to go home and would discuss with Mr. Q in the afternoon. At about 2:00 p.m. the same day, Mr. Q texted to ask for the loan papers back. Because the loan papers were still in Binh's hands, Binh felt it was "a good deal", so he asked Mr. Q to give him another 50 million VND, of which 30 million was according to the loan papers and 20 million VND was the signature fee to confirm. Mr. Q did not agree, so in the following days, Binh came to the office gate many times to threaten Mr. Q mentally.

On April 21, 2020, Mr. Q continued to contact Binh, who demanded an amount of up to 118 million VND, of which 100 million VND was the previous request, 18 million VND was the money Binh spent in front of Mr. Q's office gate for 18 days to put pressure on him. At around 7:00 p.m. the same day, Mr. Q and his leaders came to give 118 million VND to Binh, received the loan paper of 30 million VND and signed to confirm that the money had been given.

Frustrated by the debt of 1 million in high interest, and having to give Binh more than 173 million VND, Mr. Q wrote a complaint to the Do Luong District Police Investigation Agency. During the verification and investigation process, the Do Luong District Police Investigation Agency urgently arrested Nguyen Thi Binh for the act of extortion. Searching Binh's residence, the police seized 1 mobile phone, 2 loan papers and nearly 144 million VND.

It is known that, in addition to Mr. Q, from November 2019 to now, Nguyen Thi Binh has also lent money to a number of other individuals in the area at high interest rates. Although she has no criminal record, Binh's loan sharking has also caused a number of officials to be disciplined from warnings to forced resignation. The case is currently under further investigation./.