Internet loan for half a year debt 150 thousand yuan 19 year old boy quit school to work repayment

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 Internet loan for half a year debt 150 thousand yuan 19 year old boy quit school to work repayment


Recently, the 19 year old boy Li Xiaokang (a pseudonym) sent a special letter to the Shanxi evening news editorial office. The key word of the letter is net loan platform.

Li Xiaokang, a native of Lvliang, originally studied in a university in the capital city. However, only one semester, he was owing to the loan platform of the usurer campus net loan with the interest of 150 thousand yuan, so that not rich families in order to repay a lot of foreign debt, and the loan platform, and all kinds of money, he finally chose to quit school...

This is the end of a good college life. All this has left him unprepared. So he wrote down his experience and wanted to alarm the number of college students and students who are going to enter university.

A to earn tuition fees to start businesses, businesses lose money and borrow money on the net loan platform.

Li Xiaokangs family was in Lvliang, and the family relied on farming to make ends meet. Seeing his parents hard work, Li Xiaokang wanted to earn his own tuition, and after entering the University, he tried to start his own business and set up a second hand car business in partnership with his friend Wang Kun (pseudonym). But not long after, there was a deficit because of mistakes. Two people eager to make up the deficit are embarrassed to ask for money at home. At this time, Wang Kun occasionally found a campus net loan platform. In fact, it was a link to a website. The other said it was a welfare for college students. Only students could use such a convenient way.

In a short time, you can borrow a sum of money, and two people decide to make a loan. They borrow nearly 4000 yuan through the platform, but because the platform is to deduct the related interest fees, the final hand is only 2000 yuan. Although there is not much money, the operation is very simple. The other party will call or send information to remind them how to operate. Just open the website link sent by the other side, click on a few times consent to complete the operation, and after one or two hours, the money hits its card. Li Xiaokang says, when the money is paid, the bank card or the Alipay account is called according to the request of the other party.

Ben thought that they would soon be able to repay the money when they started to turn around the money. I didnt expect that the business was not improving and they lost a lot of money. After that, they can only repay the loan by borrowing and lending money on other net loan platforms. This is 4000 yuan. Li Xiaokang said, the interest on some loan platforms is very high, for example, if you borrow 1000 yuan, he will only give you 700 yuan, and then let you pay 1000 yuan in a week. In this way, it is equivalent to borrowing 700 yuan in a week, but the interest rate is 300 yuan. Li Xiaokang knows that the platform has high interest rates, but because of the speed of getting money in comparison with the bank, the platform is hard to break the wall, some platforms will tell you how much interest, and some platforms are like deception, and you dont know how high the interest is. After a days delay, I didnt return the money in time, and I got 280 yuan in second days.

Taking advantage of the east wall and making up the west wall is more and more interest is coming. In a short period of half a year, Li Xiaokang and Wang Kun borrowed more than 8 million yuan, the actual arrival of only 40 thousand yuan, and finally the return of the interest rate to return 150 thousand yuan, which most of the money is Li Xiaokang borrowed.

B has a lot of pressure to repay debts. He chose to quit school and work.

Apart from these debts, the platforms various means of reminders also let Li Xiaokang collapse. Some platforms will get your address book, call the counselor, send text messages to your friends, classmates, and relatives; and someone calls, were still a civilization, and dont wait for those who get them to come to you, they have a variety of means. Li Xiaokang said.

Li Xiaokangs father, Master Li, knew that his son owed his debts and was also forced to pay debts. On the first day of the first month of this year, the phone was called to master Lis mobile phone. Because the family condition is not good, he can only borrow money everywhere, help his son to repay about one hundred thousand yuan, but now how much is left, he is not clear. Master Li said, I can only borrow some money from my relatives to help him, so lets not let him go back to debt. Master Li had no idea about his sons second-hand car business. He said his son had been outside all year round, and neither father nor son had passed through it properly.

Li Xiaokang and his father had been consulted by the public security department, and the police told them that such a lot of things, only through the legal way to the court to prosecute can be solved, they can not help to deal with. Li Xiaokang said: I think that since all these platforms can exist in the mobile software market, they must have their own legitimate reasons. It is too difficult for us to prosecute. It is really very sorry for my father to follow me with fear. Some of the phone calls are rude, and I always talk about life. I spend every day in fear.

Owing to his sons high debt, Master Li was very old in just six months, and his body and bones had not been strong before.

Instead of finishing the freshman year, Li Xiaokang retired and worked outside to earn money, hoping to repay the debt at an early date. In July 18th, when the reporter contacted Li Xiaokang again, he said that although his father helped him with most of the money, he had paid a part of the money for his own work in the last few months, but the money owed still had not been paid off, because the interest was high, and it still owed a few million yuan.

As for his sons withdrawal, Li Shifu said, one reason is that he does not miss the book and wants to continue to pay the money, the burden is too heavy at home; the other is that the debt is always intimidating the phone, and I am afraid that my son is not safe. At this point, he sighed heavily.

Li Xiaokang dropped out of school, and Wang Kun was still in school because of the small loan amount and the familys help. Li Xiaokang especially wanted to say to other college students, as a student, if you know the hard won reasons for money, and know which people really love you, you wont hurt your parents. If you communicate directly with your parents, I am sure your parents will forgive you. But if you dont take the initiative to say it, your future will be destroyed in your own hands.

C has low interest loans, scholarships and poor students can complete their studies.

When Li Xiaokang dropped out of school, Zhang, a counselor at college, said Li Xiaokang felt sorry for him. As far as he knows, Li Xiaokang went to work to help the family to lighten the burden before he went to school. After going to college, he became the monitor. In fact, the school will strengthen education every year, open the theme class meeting and prevent students from contacting these bad loans.

Li Xiaokangs classmates also said Xiao Kang never extravagant and wasteful, frugal and independent. He went out to earn money, and at first he heard that he was still doing business. We dont know about his loan. He is more powerful. He can not handle others in his own way. We all think he will be a promising man in the future. One of the students said.

After Li Xiaokang went to university, he chose to make money in his own business and fell into the dilemma of campus net loan. So, if the family is not good, can students successfully finish the university? The teacher said, from the university admission notice that moment, the notice reads: if family difficulties, you can go through specific procedures to apply for loans. The loan students only need to pay back when they graduate from university. The interest is very low. This is the policy of the State specifically for poor students. In addition, scholarships are available in all schools. In addition, some bosses or entrepreneurs will also contribute. Now, in all public colleges and universities, as long as the students follow the normal procedures, complete 4 years of study without any problems, even if the family is more difficult.

D campus net loan platform is still active on campus

Reporters randomly asked several college students about the campus network loan platform, they are not strangers. When we first went to college, the counselor told us that students used illegal campus loans and had serious consequences. Zhang said at the Taiyuan Normal University. Several other university students also said that teachers often warned everyone of the risk of the loan platform of the usury net, which would cause a short film for students to drop out of school by borrowing money from the net loan platform, telling the students who had difficulties to find a teacher and never touch the net loan platform.

However, the usury net loan platform did not withdraw from the campus. In the interview, many college students said that they have seen 0 interest in the school toilets, wire poles, follow the loan only two hours and other words, these are the publicity of the net loan platform. They say that some students also act as agents of the net loan platform to earn money or owe net loans. At the very beginning, they were generous with their friends and friends. Once they got the money, they changed their faces and asked other people to ask for high interest. One student said that all the agents went in, and when the students borrowed money, they would also collect them proportionately, the students borrowed more, and the more they had. Behind them is a team with finance department, loan department and audit department. The division of labor is very clear.

The pervasive propaganda, the brothers and buddies have brought some people who initially did not want to borrow money because of the small amount of money to start lending. In a reporters interview, they learned that the amount of money that these people started to borrow was not big, generally not more than ten thousand yuan, some bought equipment for the game, some bought new mobile phones, and some girls wanted to buy bags and clothes... Most of the students who used the loan platform of usurious usury were used many more times, because of the high interest, and they did not dare to tell their family that they had to continue to make mistakes until the creditors came to the debt.

There is a net loan, and some people are stuck in, because some students have a problem thinking, they want to live a better life, they start to make a skew of brain and want to buy advanced items through some simple channels. We must let students have a correct outlook on life, values and ideas. A teacher at the Shanxi Technology and Business University said.

E recommends that college students learn financial knowledge in case they are deceived

Why is the interest of the net loan platform so high? We interviewed Mr. Shi, the customer manager of a provincial bank, Mr. Shi, for example, if a loan of ten thousand yuan in a regular bank is one year, the bank will only calculate one interest rate in one year, that is, the annual interest rate of ten thousand yuan. And part of the illegal usury net loan platform in one year will calculate 365 interest, the first day is to calculate the interest of ten thousand yuan, the second days, yesterdays principal and interest will become the principal today. In this way, the interest rate will be very high in one year.

Mr. Shi added: some illegal platforms have also drilled holes, and regular banks do not need to collect deposit or deduct interest ahead of time. These platforms use college students lack of financial common sense, saying that it is convenient, fast money and low interest rates. In the use of students, there will be fees, deposits and high interest rates, which in essence is to make use of this information asymmetry in profiteering. Mr. Shi suggested that college students should strengthen their financial knowledge learning in order to avoid being cheated.

The staff of the provincial Banking Regulatory Bureau told reporters that they also strengthened the awareness of the financial risks of college students through financial classes, financial lectures, and questionnaire surveys. We attach great importance to this problem, and we have made adequate financial propaganda. We will go into the campus every year to explain the financial knowledge to the students, and will also play the propaganda film which has caused serious consequences on the bad campus net loan platform.

It is understood that in order to further increase the supervision and regulation of the campus net loan platform, the six ministries and commissions, such as the Banking Regulatory Commission and the Ministry of education, have issued the notice on Further Strengthening the renovation work of the campus net loan. . The institutions that have not been approved by the banking supervision and management departments shall not enter the campus to provide credit services for college students, and the network loan agencies should be suspended to carry out the network loan service for college students; and the comprehensive policy should be taken as the major work of the security and stability of the current nursing schools as the major work of the security and stability of the current nursing schools. Measures.

How should F students maintain their rights and interests when they borrow

When students borrow money, how should they protect their interests? Reporters interviewed Cheng Jianguo, lawyer of Shanxi Feng Di law firm. According to the founding of the founding of the state, first of all, according to the state issued the Supreme Peoples Court on the application of legal issues of private lending cases, the interest rate agreed by both borrowers is not more than 24% of the annual interest rate, the borrower requests the borrower to pay interest according to the agreed interest rate, the court should support. The interest rate agreed upon by the two parties is more than 36% of the annual interest rate, and the interest agreement over the part is invalid. If the borrower requests the lender to return the 36% part of the interest that has been paid over the annual interest rate, the court shall support it. That is to say, that is to say, the law does not protect the interest of more than 36% of the annual interest rate. If the borrower feels that the interest is higher than the interest rate, the borrower can go to the court to make a lawsuit and determine how much debt it should repay. The so-called service fees, introduction fees, margin and so on are all clever names, in fact, should also be calculated within the interest rate. When the court decides, it will also consider this factor. As for some platforms, the way of forcing debts is too intense, there are violations of private homes, and so on. According to the state law, the loan is not able to deduct the interest in advance, and the principal of the interest should be based on the principal of the borrowers actual hand. But because of lack of legal knowledge, college students evidence may be unfavourable to them. For example, these platforms only give you 700 yuan, but let you pay 1000 yuan for IOUs. When the ruling is made in the future, 1000 yuan will be detrimental to the borrower. Therefore, we should be vigilant in this respect. Cheng Jianguo believes that college students must be careful to use the campus network loan platform; secondly, self-discipline, rational consumption, obedience to the school related education and regulations, and the problems in time to communicate with their parents; college students start from the actual start, from their own professional start. Source: Shanxi News Network - Shanxi evening news editor: Yang Qiang _NN6027

When students borrow money, how should they protect their interests? Reporters interviewed Cheng Jianguo, lawyer of Shanxi Feng Di law firm. According to the founding of the founding of the state, first of all, according to the state issued the Supreme Peoples Court on the application of legal issues of private lending cases, the interest rate agreed by both borrowers is not more than 24% of the annual interest rate, the borrower requests the borrower to pay interest according to the agreed interest rate, the court should support. The interest rate agreed upon by the two parties is more than 36% of the annual interest rate, and the interest agreement over the part is invalid. If the borrower requests the lender to return the 36% part of the interest that has been paid over the annual interest rate, the court shall support it. That is to say, that is to say, the law does not protect the interest of more than 36% of the annual interest rate. If the borrower feels that the interest is higher than the interest rate, the borrower can go to the court to make a lawsuit and determine how much debt it should repay. The so-called service fees, introduction fees, margin and so on are all clever names, in fact, should also be calculated within the interest rate. When the court decides, it will also consider this factor. As for some platforms, the way of forcing debts is too intense, there are violations of private homes, and so on.

According to the state law, the loan is not able to deduct the interest in advance, and the principal of the interest should be based on the principal of the borrowers actual hand. But because of lack of legal knowledge, college students evidence may be unfavourable to them. For example, these platforms only give you 700 yuan, but let you pay 1000 yuan for IOUs. When the ruling is made in the future, 1000 yuan will be detrimental to the borrower. Therefore, we should be vigilant in this respect.

Cheng Jianguo believes that college students must be careful to use the campus network loan platform; secondly, self-discipline, rational consumption, obedience to the school related education and regulations, and the problems in time to communicate with their parents; college students start from the actual start, from their own professional start.