The online loan is overdue for 3 years, and now I am waiting for a court summons every day. How many people are like this?

The online loan is overdue for 3 years, and now I am waiting for a court summons every day. There are many such young people!

A double-edged sword of convenience in the times 1. Convenient and fast network age

2 1 century is a network era, which makes people's lives more and more convenient. Now even two people half a world apart can communicate in real time, and it is almost impossible to see each other all year round because they are too far apart.

The internet age not only facilitates people's communication, but also embodies the matter of borrowing money.

In the past, if a person borrowed money, he had to trust his relatives and friends, and if he borrowed money from others, he had to ask his grandfather to tell his grandmother to put his dignity in the dust.

Now, in addition to looking for your relatives and friends, you can also borrow money from various online platforms. Not only is the channel convenient, but the lending speed is also super fast. With or without credit, you can find a loan platform.

This change in loan methods has both advantages and disadvantages. For example, those who suddenly can't turn over business funds may be able to turn over funds quickly because of the convenience of online loans, so that the business can be brought back to life.

2. Negative effects

The convenience of this kind of loan has also brought great negative effects, such as the lack of effective evaluation of the lender's credit, which leads to many loans that cannot be recovered.

For example, because there are too many loan platforms and the market is too chaotic, many lenders are deceived. In particular, many criminals package the appearance of usury through the loan platform, and put naked loans or identity loans. Many young people who lack judgment are deceived, especially many victims among college students.

There are too many loan platforms and the borrowing threshold is too low, which also makes many young people more likely to over-consume, spend in advance, borrow too much online and have no repayment ability, and finally go bankrupt and commit suicide.

Second, the typical case "naked loan" The following is a very classic case.

1. College students pursuing fashion and new trends

Xiao is a junior girl from an ordinary family. The monthly living expenses given by her parents are about 1300 yuan, which is only enough for ordinary school life.

Xiao is a girl who pursues fashion. She takes a regular part-time job every month and buys new clothes and shoes. Life is hard, but it is full. Xiao feels that his life is rich and colorful.

In the next semester of junior year, Apple's latest model has just been listed. Xiao Ah is a loyal user of Apple. Almost every year, when a new Apple mobile phone comes out, she is one of the first to do it.

Xiao is very excited about Apple's new mobile phone, but her pocket money is obviously not enough. Last month, Xiao's part-time income has been used to buy several new sets of clothes and shoes, leaving little.

2. Get a loan to buy the latest Apple mobile phone

Just as Xiao was worried about money, she saw an advertisement for a loan in a part-time group. The other party said that the loan was very fast and the monthly interest rate was very low.

Xiao believes that he insists on doing part-time jobs every month anyway, and the loan amount is not much. There is definitely no problem with repayment, so he borrowed money through this platform.

3. Campus naked loan = usury

Who knows that on the repayment date next month, Xiao found that the repayment amount he thought was only half of the amount he should pay, and Xiao was cheated!

The loan platform calculates interest in the same way as usury!

Xiao is a wet behind the ears college student. She doesn't know what to do in this case. She is afraid to tell her teachers and friends, let alone her parents. She could only cry secretly.

In this way, a few months have passed, and the money owed by Xiao Ya has reached 1.6 million with interest!

I can receive short messages from the other party every day, and the threat of short messages is becoming more and more obvious. The other party threatened to send text messages to harass her family and teachers if Xiao did not repay in time.

Because Xiao not only sent his address book information to the platform at the beginning of the loan, but also left a nude photo of his ID card.

4. Forced to commit suicide

65438+600,000 is a huge sum for Xiao, and it is also a huge sum for her parents. Xiao never dared to tell her parents that she owed so much money.

Finally, I had a nervous breakdown and thought of suicide. She secretly cut her wrist with a knife in the dormitory bathroom one night.

Fortunately, when a roommate got up in the middle of the night to go to the toilet, he found blood flowing out of the bathroom. She panicked and called the dormitory administrator.

The bathroom door was forcibly opened, and the unconscious little A was taken to the hospital for rescue.

Fortunately, Xiao saved his life in time because of the rescue, and cried and confessed everything in the care and inquiry of his parents.

5. The police shot.

After listening to her daughter's crying, Xiao's parents realized that her daughter had been cheated by usury and immediately called the police.

According to the clues provided by Xiao, the police finally successfully cracked a vicious loan case specifically for college students.

At the same time, the lawyer also told Xiao Ah that because usury was not protected by law, Xiao Ah could not repay the huge sum of 6.5438+0.6 million owed by the loan.

Three. Conclusion There are not a few young people like Xiao A. They are either unlucky to be targeted by usurers, or misjudge their repayment ability and borrow too much money.

Young people, especially college students, are inexperienced and lack social experience. It is easy for them to borrow money for consumption because of vanity, and eventually they fall into the loan trap.

I hope that young people will keep a calm and rational attitude in the face of consumerism, do what they can, avoid excessive borrowing, and understand that all advanced consumption is at the expense of the decline in the quality of life in the future, which is not worth the candle.

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