Due to believing in high-paying part-time job information, Zheng Hui (pseudonym) from Shanghai was used as a nominee borrower to purchase a Li Auto L6 new energy vehicle in installments for Hangzhou Qixin Technology Co., Ltd. Although the company promised to bear all loan repayment responsibilities, it completely disappeared starting in June 2025, leaving Zheng Hui facing approximately 200,000 yuan in loan debt. What Zheng Hui finds even more unacceptable is that the 4,000 yuan "reward" he initially received was actually Hangzhou's new energy vehicle purchase subsidy that should have belonged to the car buyer. To date, Zheng Hui has found 6 other "proxy borrowers" with similar experiences online, and related rights protection efforts are still ongoing.

**4,000 Yuan Reward Leads to 200,000 Yuan Loan as Company Vanishes**

On September 26, 2024, Zheng Hui saw a part-time job recruitment notice in a WeChat group claiming "salary 4,000-8,000 yuan, including meals, accommodation, and transportation, simply record information and sign contracts." The job involved purchasing ride-hailing vehicles in installments in Hangzhou for company operations, requiring participants to have good credit and no overdue payments.

Chat records provided by Zheng Hui show that the other party explained that due to tightened new energy vehicle purchase policies, the company urgently needed a batch of customers with car purchase qualifications to buy cars on their behalf. After purchase, vehicles would be registered under customers' names, customers would sign contracts with the company, and the company would help customers repay car loans through corporate accounts.

Attracted by the offer, Zheng Hui sent his personal credit report to the other party. After approval, they sent him an address in Hangzhou, requiring him to arrive by 12 PM on September 27. Zheng Hui immediately bought high-speed rail tickets and sent order screenshots to the other party for reimbursement.

On the morning of September 27, Zheng Hui arrived at the designated location where staff took him to an office in a building. According to his recollection, staff confiscated his ID card, performed multiple operations on computers and phones, repeatedly asked him to cooperate with facial recognition, and he also filled out and signed paper customer information.

"I didn't carefully observe what they did with my ID card at the time. Later they said the loan application was ready and we needed to go to the bank for face-to-face signing. They instructed me not to talk too much at the bank and to think carefully before answering," Zheng Hui told reporters. On the morning of the 27th, staff took him to a nearby Agricultural Bank to complete the face-to-face signing and arranged accommodation in Hangzhou. That day, he received the first portion of part-time payment: 2,000 yuan.

On September 28, staff brought Zheng Hui to the Li Auto Hangzhou Gongshu Delivery Center, but he wasn't allowed to get out of the car. Staff handled the vehicle pickup procedures on his behalf. On September 29, staff also handled license plate registration at the vehicle management office on his behalf, while car insurance was handled by Zheng Hui by scanning a QR code provided by the other party's insurance company.

"They transferred the insurance premium to me. When handling car insurance, I learned that I had taken a loan to buy a Li Auto L6," Zheng Hui said.

On September 30, Zheng Hui signed a "Car Rental Nominee Loan Agreement" with the company. The agreement stated that Party B Zheng Hui voluntarily provided paid nominee loan services for Party A Hangzhou Qixin Technology Co., Ltd., with a five-year installment plan, where all repayments and overdue responsibilities would be borne by Party A, with Party B bearing no responsibility. After signing, the other party paid Zheng Hui a total of 4,000 yuan reward through WeChat and Alipay in two installments, and he returned to Shanghai that day.

Initially, the company repaid on time for several months, but starting from January 2025, they began missing payments monthly. "Repayment dates were generally the 20th of each month. Initially overdue by one or two days, they would immediately pay when I urged them. However, after the last payment on June 30, they completely disappeared. Several WeChat accounts I had been dealing with also showed abnormal status and were blocked," Zheng Hui said.

As of August 2025, the company had been overdue for two months, and Zheng Hui began frequently receiving collection calls from banks. On August 10, Zheng Hui went to the company's previous office location in Hangzhou but found it empty. Property management informed him that the company had moved away long ago, and there had been participants with similar situations who reported to police, with officers investigating on site.

Zheng Hui then went to Agricultural Bank to print his credit card details, discovering his total loan amount was 241,000 yuan, with 200,000 yuan still outstanding. "I found they helped me apply for an auto mortgage loan. The credit card had no physical card. Previously, they used company accounts to transfer money to the credit card monthly for car loan repayments, with no withdrawal records from the credit card."

On August 14, Zheng Hui contacted Li Auto customer service and obtained his electronic purchase contract from 4S store sales staff. However, he discovered that the signature on the contract was not his handwriting. "The signature isn't mine. I personally never went to any Li Auto 4S store and don't know how this car was purchased," Zheng Hui said.

Subsequently, Zheng Hui reported the case to the local police station, where he met another "proxy borrower" Lu Qi (pseudonym) who had purchased new energy vehicles for the same company. Lu Qi's experience was largely similar to Zheng Hui's.

In February 2025, Lu Qi saw similar part-time job information in a group. "They claimed the company urgently needed vehicles and lacked qualified borrowers with good credit. They showed me a 'Nominee Car Purchase Contract' promising that loan repayments would be entirely the company's responsibility."

According to Lu Qi's recollection, on February 24, after arriving at Qixin Technology's Hangzhou office, his ID card was confiscated. "They handled everything throughout the process. I only cooperated with facial recognition. I also signed a consent form stating 'I am taking a 242,000 yuan loan for vehicle needs to purchase Li Auto L6, with 60 installments,' but they didn't give me this consent form afterward."

Video provided by Lu Qi shows that in the office, a staff member continuously operated computers and phones while holding his ID card, with a form on the desk labeled "Agricultural Bank Customer Phone Review Form."

Unlike Zheng Hui, Lu Qi had an additional "transfer video" step. "They said they were afraid they couldn't contact me after 5 years when the loan was paid off, so they had me hold my ID card and record a video agreeing to transfer the car to them. Only after recording did they pay me the 4,000 yuan part-time fee," Lu Qi said.

On August 18, 2025, Zheng Hui and Lu Qi went together to Li Auto Hangzhou Gongshu Delivery Center for consultation. Staff had a deep impression of Lu Qi's name. "The staff member said 'I remember your name. You didn't come to pick up the car yourself; someone else picked it up for you.'" Lu Qi found from the delivery center that the pickup person was Yu Moudong, former legal representative of Qixin Technology.

Corporate search platforms show Yu Moudong as Qixin Technology's former legal representative. Lu Qi told reporters that delivery center staff also found through the vehicle system that the car was located in Guangdong, with vehicle registration information showing a foreign user logged in with a passport.

What shocked both men further was that delivery center staff revealed that their 4,000 yuan daily wage was actually Hangzhou's 4,000 yuan new energy vehicle purchase subsidy that should have belonged to car owners.

"On August 22, police gave us a phone number for Qixin Technology's person in charge. That day, they promised us they would resume normal payments starting in August, but not only did they not repay, now we can't contact them again," Zheng Hui said.

**4S Store: Full Payment After App Order, Suggests Reporting to Police**

"I never went to any 4S store or delivery center throughout the entire process, and I'm certain I never wrote any power of attorney. I'm confused about how they successfully bought and picked up the car under my name," Zheng Hui said.

On September 3, reporters called Li Auto's 400 hotline as customers to inquire about the official process from vehicle ordering to delivery. Customer service representatives stated that after car owners place orders on the App, they need to pay a 5,000 yuan booking deposit first. After paying the booking deposit, there's a 24-hour cooling-off period. If customers need financing, they must first visit stores to confirm whether loans can be processed normally. If confirmed, customers need to go to stores where staff will assist with loan matters, without customers directly going to banks.

"Because stores cooperate with various banking institutions, they will assist customers with loan matters. Customers only need to confirm intended vehicle models and basic configurations and provide feedback to staff."

Regarding whether others can pick up vehicles on behalf of customers, customer service confirmed after verification that such situations require consultation with delivery experts, who would specify required materials for others to pick up vehicles with proper documentation.

Electronic purchase contracts provided by Zheng Hui also show that if customers cannot personally complete vehicle inspection and delivery, they can authorize others to pick up vehicles or choose Li Auto's recommended vehicle logistics companies for remote delivery. In such cases, Li Auto delivering vehicles to agents constitutes completed customer vehicle inspection (including ownership and risk transfer), with related risks and responsibilities borne by customers. To avoid subsequent disputes, Li Auto reserves the right to require customers to provide appropriate authorization procedures.

To clarify facts, on September 4, reporters called the 4S store sales staff who had previously provided electronic contracts to Zheng Hui, identifying as Zheng Hui's relative. The representative stated that after verification, the 4S store found that Zheng Hui's vehicle was ordered through the App with full payment, not financed through the 4S store.

"It might have been a direct bank car loan application, then using approved loan money for full payment. You'd have to ask Zheng Hui himself about this. We're not clear about other details and suggest you report to police," the sales representative said.

Reporters also called Li Auto Hangzhou Gongshu Delivery Center, where staff said they were unclear about related situations and needed to report to superior departments first. However, as of press time, reporters had not received related responses.

Subsequently, reporters tried to contact Qixin Technology's person in charge using phone numbers provided by Zheng Hui, but the phone remained switched off.

**Lawyer: Company May Face Multiple Charges, "Proxy Borrowers" Also Face Legal Risks**

Wang Pengfei, lawyer at Jiangsu Buzheng Law Firm, stated that the "Car Rental Nominee Loan Agreement" signed between Zheng Hui and others with Hangzhou Qixin Technology Co., Ltd. is essentially a lending channel contract that circumvents financial regulation. Although named as rental, it's actually lending and nominee holding. Qixin Technology's behavior constitutes typical nominee lending, while Zheng Hui and others, as nominal car purchasers (registered vehicle owners), don't actually enjoy vehicle usage rights, income rights, or disposal rights over vehicles.

Careful consideration reveals this behavior pattern contains serious legal risks. If Qixin Technology doesn't repay loans according to contract agreements, their behavior constitutes fundamental breach and will bear corresponding civil liability. If Qixin Technology used fabricated high-paying part-time jobs to deceive parties into signing agreements, fraudulently obtaining vehicle ownership and loan funds before absconding, meeting "receiving other party's property then absconding" criminal elements, they may be suspected of contract fraud.

Using Zheng Hui and other "proxy borrowers" to fabricate car purchase purposes and defraud bank loans in large amounts (approximately 200,000-400,000 yuan per vehicle) may constitute loan fraud. Simultaneously, if the company used similar models to raise funds from multiple people forming capital pools, it may constitute illegal fundraising crimes.

Additionally, if car rental company actual controllers established companies with criminal intent to conduct related criminal activities, actual controllers should bear criminal responsibility.

Wang believes Zheng Hui and others' behavior also carries certain legal risks. They may violate Article 154 of the Civil Code regarding malicious collusion damaging third-party interests, defrauding bank credit funds, while also violating local new energy vehicle subsidy policies (subsidies should target genuine consumers). If banks sue Zheng Hui and others, courts may find contracts invalid, but Zheng Hui and others would still need to bear loan repayment obligations.

As loan contract signatories, Zheng Hui and others concealed true purposes during face-to-face signing, making them direct liable parties for bank recovery. They may also face civil dishonesty penalties, with overdue records damaging credit, being blacklisted by banks, and potentially becoming dishonest judgment debtors.

Simultaneously, with vehicles registered under Zheng Hui's name, he must bear debts arising from vehicles, such as accident compensation and traffic fines. If subjectively unaware of loan fraud intentions, no crime is constituted. If knowing and assisting in forging materials, they may be suspected of complicity. If knowingly cooperating with falsehoods, such as multiple participation in proxy lending, they may be suspected of helping information network criminal activities or other crimes.

Wang stated that what Zheng Hui and others encountered is a typical "proxy lending car purchase" scam, mainly due to parties' weak legal awareness, opportunistic psychology, herd mentality, and quick money psychology. He suggests Zheng Hui and others preserve evidence, protect their legitimate rights through legal channels, while also preparing to bear partial responsibility.

"People in daily life must continuously strengthen prevention awareness, remain vigilant, cherish their credit records, and not become accomplices to illegal criminals for small profits. Always remember that sometimes free things may be the most expensive," Wang said.