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Core Viewpoint - The article discusses the rise of illegal proxy rights protection agencies that exploit consumers seeking to cancel insurance policies, highlighting their organized operations and sophisticated marketing strategies [14][15][21]. Group 1: Operation of Illegal Proxy Rights Protection - The illegal proxy rights protection industry operates in a corporate manner, with structured management and processes similar to legitimate financial institutions [19][20]. - A recent police operation dismantled a proxy rights protection gang, arresting 24 suspects and seizing 2,000 mobile phones used for complaints [18]. - These agencies utilize a large number of mobile phones to file complaints, indicating a high volume of business and a well-organized operation [19][20]. Group 2: Customer Acquisition Strategies - Proxy rights protection agencies employ professional marketing tactics, including purchasing phone numbers and creating fake accounts on various platforms to attract customers [23][29]. - They impersonate legitimate legal entities to gain consumer trust, often using social media to disseminate misleading information [24][27]. - The cost of acquiring customers has increased significantly, yet the profitability of these operations remains high, indicating a robust business model [28][29]. Group 3: Consumer Conversion Tactics - Consumers are often lured into these schemes through persuasive tactics, including showcasing successful case studies and providing false assurances of service quality [32][34]. - The fee structure typically involves upfront payments, with some agencies taking up to 30% of the refund amount as commission [35][36]. - Many consumers report being misled about the process and timelines, leading to frustration and financial loss [39][44]. Group 4: Malicious Complaints and Legal Risks - Some proxy rights protection agencies engage in malicious complaints against financial institutions, using forged documents to exert pressure [49][51]. - The prevalence of fraudulent complaints has surged, with a significant increase in financial-related complaints reported [51]. - Consumers who become involved with these agencies may inadvertently participate in illegal activities, exposing themselves to legal risks [50]. Group 5: Need for Regulatory Action - The article emphasizes the need for government intervention to address the low legal risks associated with illegal proxy rights protection [55][60]. - Financial institutions express concerns about the potential for increased imitation of illegal practices if exposed [53][54]. - There is a call for the establishment of a blacklist system to identify and track these illegal operations, promoting industry-wide cooperation [59][60].