This is a true story of drifting north to raise loans with loans.

After reading a lot of news, the protagonist was cheated into a routine loan, and finally robbed Peter to pay Paul, with a tragic ending!

I thought such a thing was far away from me, but I didn't know it. Unconsciously, I have stepped into the abyss of online lending and can't extricate myself!

If I say that I am worth hundreds of thousands because of online loans, do you believe it?

Do you believe me if I say that I have financial dealings with major banks and financial institutions?

If you don't believe me, please read on.

Institutions that have financial dealings with me: China Merchants Bank, China Guangfa Bank, Bank of Communications, Internet Corporation, BATJ…… ............................................................................................................................................. COM- gold bars, white bars, Didi-Didi finance, Didi loan, Meituan-Meituan living expenses, China Merchants Bank and China Unicom cooperative financial institutions.

The following is a screenshot of the loan I have money to spend in Baidu. On this platform alone, my loan amount has reached100000:

At the same time, I also advise you that the platforms listed above only represent the financial platforms that I borrowed money from. If you don't have to, know as little as possible. It's best not to borrow it.

It should be noted that all my loans come from the formal platforms listed above. I have never borrowed regular loans or borrowed money from p2p platforms.

But, in spite of this, I am still stuck.

In 20 16, my online loan road was officially opened.

I'm not fit for school. I finished high school and entered the society. Without a skill, I have tasted the warmth and coldness of life. Worked as a waiter, worked as a security guard, worked as a shopping guide in a shopping mall, painted walls, paved floors, worked as a cement worker at a construction site, carried wooden boards and covered factories. ...

The similarities between these jobs are bitterness, tiredness, humbleness, and most importantly, no skills!

In 20 13, I came to Beijing alone, carrying my luggage.

At that time, a friend from Beijing got mixed up. He works as a business manager in a small loan company, saying that he is a manager, but actually he is a financial salesman. Later, I understood the meaning of this manager, just like the sales manager in the real estate industry.

But he does get along well, 200,000 to 300,000 a year, sometimes more. He is my junior high school classmate. In terms of academic qualifications, he is inferior to me. After graduating from junior high school, he went to Beijing. I was moved by his persuasion. I don't want to stay in a small town now and work at the lowest level, and I won't see it for the rest of my life.

On the recommendation of a friend, I joined his company, and the company assigned me a senior to familiarize me with the business.

I also slowly changed from a small white to an old driver.

When I entered the business, I was like a mountain gun. I learned a lot about staging music, various stages, credit card machines, and bridge funds, and then I had three views on the flowers, white bars, micro-loans, financial leasing, and various direct or indirect loans.

Slowly, from the first time I joined the business, I got the minimum living allowance every month and earned more than 10 thousand a month. Even when I am good, I can get 20 thousand or 30 thousand with commission.

I have a stable income and a little savings in my hand.

By chance, I came into contact with stock trading.

I don't know much about stock trading. I often hear colleagues discuss the topic of stock trading. In order to close the distance, I listen to it occasionally. Slowly, I am also interested in stock trading. A colleague who has a good relationship with me told me that the money he put in has been rising recently, and he earned thousands of dollars in a few months.

I also began to follow him to start the road of stock trading.

I didn't know anything at first, so I bought whatever he bought. Later, I began to spend a lot of time studying stocks, studying stock recommendation articles issued by Da V, and studying K-line charts. I also understand what is short-term and long-term, what is cutting meat and holding positions, and what is cutting leeks. ......

At the beginning, my mentality of stock trading was still very peaceful. I want to put 2w into it, and when I earn it, I will invest it with the money I earn, and then use it as the principal. If I lose, I won't play. However, it backfired. Stock trading is actually a psychological war, which is similar to gambling in a sense. The characteristic of gambling is that there must be a time to make money and a time to lose money. When making money, few people can suppress their desires and get away with it. Ten bets and nine losses, and I am no exception.

Slowly, I found that my initial mentality of stock trading was completely deformed, and my money was slowly trapped. Later, it was completely beyond our ability.

Because of stock trading, my savings have gradually been put in. The most important thing is that this hobby has seriously affected my life. As a result, my work status and performance plummeted. You know, every day, watching the money in it slowly decrease, I feel very sleepy and don't want to bite the bullet. During that time, I was in no mood to work. ......

In the second half of 20 16, my financial situation was very anxious.

I can't even pay the rent for 3 100 months outside the Fifth Ring Road in Beijing. ......

Due to the serious decline in performance, I had to leave my old company. The job I found in the later period was not satisfactory, and my income was unstable. You often lose your job, change jobs, lose your job, find another job, and so on.

I'm also depressed.

I started the road of online lending.

The first loan came from Alipay, and the amount given at that time was very small, only 8,000 yuan.

Followed by credit cards, three credit cards were issued with credit lines of 2w, 1w8 and 1w5 respectively.

Later, JD.COM Gold Bar gave 2w2 quota, Baidu gave 5w, micro-loan 5w9, and Zhaolian Finance 10w.

The number of my loans has also reached more than 100 from one loan to two loans. Of course, some of the more than 65,438+000 loans have been settled and some are still being paid. Calculated, the monthly interest of the loan in repayment adds up to as much as 2000 to 3000.

Often, on the repayment date every month, I borrow Bai Jie's money from JD.COM and Baidu's money from JD.COM. Later, the loan amount bottomed out, the JD.COM amount bottomed out, and the micro-credit amount was used up. ......

My credit card limit is also used up. I borrow all my credit cards in cash, and the interest on businesses such as saving money and borrowing cash is too high.

In addition to paying a small part of irregular salary every month, you have to borrow 1w to pay it back. Due to the accumulation of installments and the different ways of borrowing, in some months, I even need to borrow for more than 2 weeks to pay off.

The cost of living in Beijing is too high. ......

I can't hold on!

I know that if this goes on, it's not just money. I may break the law.

I had a showdown with my family.

Such as a bolt from the blue, make the poor family life worse.

I kept telling my family the good news instead of the bad news, pretending that I had a good time in Beijing until the showdown, when my staff collapsed.

Under the torture of my parents, I said that all the loans add up to 10w. My parents helped me chip in. However, this is not the real number, to be exact, it is only one third, or one fifth. In fact, I don't want to calculate how much money I owe, and I dare not. Too many. I know it is impossible for my family to help me pay it back, and I dare not tell the real figures.

But this 10w solved the urgent need and saved my life.

In 2020, I left Beijing and went to Harbin instead of my hometown.

I have been unable to pay the high rent, transportation and living expenses in Beijing. In addition, the job is unstable, and sometimes there is no income when you are unemployed. I have to leave because of the high monthly repayment. If I don't leave, my parents can catch up with Beijing.

I ended my life in Beipiao, as if I had never been there and never belonged to it, but I really came back with debts.

Now I'm in debt!

I am 33 years old. I have no car, no house and no savings. Sometimes I get married at home, and I stay away. After all, Harbin is far from my small county. I'm far away. I avoid some bad words. Last Spring Festival, I didn't dare to go back on the grounds of working overtime.

Before, I had many dreams. Now, I only have one dream, to pay off my debts!

I joined the takeaway army.

Others run 40 orders a day, I run 50 orders, others get off work at night 10, and I run errands 12. Now I can't earn more than 10 thousand a month, but I still need to borrow some money every month, and I can barely pay back the arrears of last month with the take-away income.

Occasionally encounter an epidemic, take-away is even worse!

From a painful experience, I summed up why I fell to this point today!

North drift is not an excuse, nor is stock trading a reason.

No job, no financial resources is the biggest original sin.

Uncontrollable human greed is the root of disaster.

When you have no money, when online loans lend you a helping hand, do you think it is too easy to borrow this money, like me?

Why are you not afraid to borrow so much money, because you always believe that you can borrow, so you must be able or not?

I wonder if there is anyone in this world who lives in the quagmire of online loans like me and can't get out?

Or, you just spend money and occasionally borrow some money to solve your urgent needs.

When you can't control the situation, when you step on the edge of the law, have you ever thought about telling your family a showdown? Although this is not what you should do, do you think it's right to stay in the green hills without fear of firewood?

Do people like me still have a chance?

The only thing I want now is to pay off my debts.

You should pay your debts on your knees.

From 2020 to now, and in the next five years, I will complete my biography.

I can't be ruined by online loans, my life is my decision!

With my high school education level, it is really difficult to write this article!

I hope that friends who read this article will fall into online loans like me. Don't lose heart, learn some lessons from my story and get out of debt as soon as possible.

I'm so tired. I have to get up early tomorrow. Good night