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When a shop assistant suspected that she had fallen into a trap set by a bogus online loan syndicate, the 29-year-old immediately called to cancel her loan.

KUANTAN: When a shop assistant suspected that she had fallen into a trap set by a bogus online loan syndicate, the 29-year-old immediately called to cancel her loan.

However, she was reassured when, as proof of their “legitimacy”, the syndicate deposited an installment of cash into her bank account – and she was led to believe that the total amount would be RM30,000.

But the victim, from Raub, realised she had been cheated after all when the syndicate deposited just RM15,500 in her bank account – despite her having paid RM32,000 in “processing fees”.

The incident unfolded on Nov 1, when the victim received a phone call from a man who identified himself as "Tony", offering her a loan.

When she agreed to borrow RM30,000, the victim proceeded to pay the “processing fees”, beginning with an initial deposit of RM1,500.

Tony next contacted her on Nov 4 for an “insurance payment” amounting to RM4,380, which she also agreed to pay.

Later the same day, the victim found that RM2,500 had been deposited into her bank account, and was reassured that she was beginning to receive her loan in stages.

On Nov 5, she received a phone call asking her to pay RM1,300, followed by RM10,000 – and she complied by transferring RM11,300 into an account number provided by Tony.

Later, the victim noticed that RM2,000 had been deposited into her bank account.

On Nov 7, when Tony instructed her to pay RM10,000, the victim obliged, but began to sense something amiss when she was also told to pay RM20,000 on the same day.

That is when she decided to cancel her loan – but, again, she was convinced by Tony that his “agency” was legitimate.

Several hours later, RM5,000 was deposited into her account, followed by another RM6,000 some time later.

However, when Tony requested further payments, the victim realised that she had lost RM17,000 compared to the loan amount she received (RM15,500) – and immediately lodged a police report at the district police station

Pahang Commercial Crime Investigation Department chief Superintendent Mohd Wazir Mohd Yusof said the case is being investigated under Section 420 of the Penal Code for cheating, which provides for a maximum jail term of 10 years and whipping, and a fine if convicted.

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