The 28-year-old boy in Yunnan was trapped by online loans and was forced to burn charcoal. The other party still hasn't let go. Should online lending be responsible?

In this accident, I think both the Yunnan guy and the online lending platform are at fault. How to judge the specific responsibilities of both parties should be judged by the court.

Nowadays, with the prevalence of Internet and technology, many young people are caught in online loans, thus ending their lives hastily.

The tragedy happened after A Chao burned charcoal in a small hotel in Kunming, and a 28-year-old Yunnan boy died of carbon monoxide poisoning. Before committing suicide, the young man went home late at night, but he was afraid to see his family because he was ashamed to see his parents.

In the small hotel where A Chao committed suicide, he found the details of the loan arrears, as well as a thick suicide note and a video of apologizing to his parents. There is also a notebook full of "hate yourself". It can be seen that Chao really regretted it, but was forced to do so. In the end, he had no way out and was afraid to tell his family the truth, which led to such a tragedy. Even in the process of handling A Chao's funeral, he still received more than 30 debt collection calls on his mobile phone.

Cause and effect Before graduating from college on 20 17, A Chao was addicted to online games and spent a lot of money without financial resources.

The cost of living could not reach the level of consumption he wanted, so Achao began to borrow money on various networks to support loans, thus falling into online loans.

After graduating from college, A Chao went to a construction enterprise in Yunnan, but the local climate didn't adapt. So Chao resigned and went home. At the same time, I am preparing for the postgraduate entrance examination and the civil service examination. During this period, the loan has been supported by loans, but the failure of postgraduate entrance examination and public examination has made Achao's hope of repaying the loan more and more slim.

Happiness never comes in pairs, but it never rains alone. With more and more loans, A Chao was lured by the fraud team to participate in lottery betting. Later, I received all kinds of threats. After a long period of psychological torture, Achao had suicidal thoughts at that time, but his family helped him repay the loan of 1 1 more than 10,000 yuan.

After helping to pay off the loan of 1, 654,38+0,000 yuan at home, my parents kept it at home and confiscated all documents and electronic equipment. Let him prepare for the exam at home. After staying at home for a long time, parents think that A Chao has reflected and understood his parents' hard work.

Repeat the same mistakes, but because A Chao needs to buy all kinds of books, materials, online classes and other reasons when taking the postgraduate entrance examination and taking the civil service examination, he is responsive to his parents' demands for money.

I don't have good control and supervision. A Chao is obsessed with online games again. Also embarked on the old road of online lending.

This time, Chao cheated his parents. A Chao and his parents claimed to have found a job in Kunming. In fact, he only went to Kunming for training for one day. He felt that his work was too hard and returned to Dali after paying 1300 yuan penalty.

I rented a small house in a neighboring village and bought football lottery tickets in the house every day. Dream of gambling to repay the loan. However, with the borrowing of more platforms, it is even more difficult to make ends meet.

Even to cover up his lies, he took the high-speed train to Kunming to meet his friends. His parents always thought that their children were working in Kunming, if it weren't for the last paper.

The unreasonable online loans in the loan details left by Achao involve various loan platforms such as loan treasure, flower garden, living expenses of Meituan, installment music, comfortable flowers, and Zhongan small loan.

According to A Chao's father's description, the installment loan was originally borrowed 6,000 yuan, and then he called and said that he would pay back 9,000 yuan, but the subsequent text message turned out to be 23,000 yuan. How terrible the interest is. And this kind of interest is unreasonable and legal.

There is also a loan of 2,000 yuan from Weizhong Bank through the intermediary, and the intermediary took 800 yuan, which is unreasonable in itself.

It is precisely because A Chao is stubborn and has no good control. There are also various platforms, tough means of urging loans and irregular interest, which directly led to this tragedy.

Even the death of Achao did not stop the debt collection of these online lending platforms. A Chao's family has also been living in torment. Not only did I lose my son, but my life was a mess. Now the state has issued a policy prohibiting online loans from entering the campus, which can reduce the occurrence of many tragedies. Stay away from online loans and cherish life.

Whether the outstanding debts need to be borne by the A Chao family can only be judged by law in the end. I think the various means used by the online lending platform in debt collection are also very inappropriate. When I learned that Chao died, they still ignored it and thought it had nothing to do with them. Relevant regulatory authorities should also manage these unreasonable online loans.