Friends who were maliciously urged by Guangfa Bank came here to report and collect evidence.

I successfully applied for a credit card of China Guangfa Bank in 2007, with a line of 10000 yuan. In 2007, I earned a good income, often used credit cards to spend money, and I was able to repay the money normally. My credit is very good, and my application for increasing the credit limit has been successful. The final limit is 65438 yuan +04000 yuan. I usually apply for 24 installments for credit card consumption, and I can apply successfully. Sometimes I don't want to buy enough things, but I also successfully applied for a temporary credit line. After the installment, it will not occupy my credit line, which means I can continue to use my credit card. In this case, I unconsciously spent more than 40,000 yuan by credit card, in installments 10. Because my income in 2007 was also relatively good, I was able to repay the loan normally. Until the whole social economy went downhill in 2008, my income also decreased again and again, and I could only pay it back with the minimum repayment amount. In 2009, there was a big problem in the company's economy, and my income was reduced again. I could only repay according to the minimum repayment amount, and my income was only enough for daily expenses. I just got paid in April 2009, and my home was stolen, and my salary cell phone was stolen, so that I couldn't pay the minimum repayment in April, and I had to borrow money from my colleagues to live. I paid back my colleague's money in May, which was not enough for the minimum repayment. During this period, I received a dunning call from the Credit Card Center of Guangfa Bank, and I also explained my situation to them. They have a good tone and told me to find a way to pay it back as soon as possible, otherwise it will affect my personal credit. I am very clear.

In June 2009, I received a phone call from Ms. Huang, who claimed to be in the archives of Guangfa Bank, asking me to pay off all my debts in one lump sum. Language is difficult. I explained my actual situation to her and said that I tried my best to borrow money from my friends and repay the minimum amount. She said no, I must pay off the full amount, and tell me that it has been an economic fraud, otherwise she will sue me and put me in prison. I try to borrow money from my friends and colleagues. In June, I paid 1 0,000 yuan into my credit card twice. Because everyone had a hard time, it was really difficult to borrow money, so I called Miss Huang and asked the bank to give me more time to borrow money to repay. Miss Huang refused to listen. She wants to call my relatives, and the company asks me for leadership. I explained to her that there was no job and no income at home and she couldn't help me. The company's economy is not good and its leadership is good. Calling the leader again may cost me my job and I can't pay back my money. My colleagues and I have agreed that I will repay the loan with the minimum repayment amount before the end of June. I asked her not to call the company, but she refused. She immediately called my company to find my leader. When the leader was away, she told her colleagues that I owed a lot of money to Guangfa Bank, which would affect the company's credit. The leader knew about it and said that I would affect the company and asked me.

In July 2009, I received a phone call claiming to be Foshan Haochuan Company, saying that Guangfa Bank had transferred my information to them and they came to collect it. I explained my actual situation to them again, but they ignored me, saying that I was able to borrow the money, so I was able to pay it back, and so on. He also said that he would go to jail and be fined 200,000. I said I had tried my best to borrow it from my friends, but it was difficult to borrow it. I hope I can give it. In June 16 and July, two burly men in black came to see me and said they were on-site investigation. I met them and talked to them for more than an hour, and they also talked to me about this. During the conversation, they also recorded it on tape, saying that it was a testimony in court. At that time, the recording was still polite. I also analyzed my present situation with them very reasonably, hoping they would give me time. They said it would be bad if something unexpected happened. I was asked to pay off all my debts on July 18. As I said, if I had the ability, I would have paid it back long ago. It's not that I don't want to return it. I just have no money to pay it back. I hope you can give me some time to borrow money. Later, when we didn't reach an agreement, they turned off the recording and told me that we wouldn't be polite to you tonight. What happened was what you asked for, which caused me great mental harm. On July 18, the man called me again and asked me if I had returned it. I said no, there is really nothing I can do. He said there was nothing you could do, right? You haven't decided the time. If you wait and threaten me, I'm really going crazy. I can't sleep at night, and my mental damage is very serious.

Let me be clear, it's not that I don't want to pay back. I just have a problem. I'm unemployed. How can I make money and pay back the money like this? Are you hurting me mentally like this? I don't know what they will do next. Will they really do harm to my body and mind like the underworld in the movie? I feel horrible. Maybe one day I will kill myself. Please ask Guangfa Bank to stop this mental damage to me immediately. I promise to try my best to find a job, borrow from my friends and pay back the money I owe. If you push me like this again, I won't get the money. Is it necessary?

Please help us to solve the losses caused by Guangfa Bank. Do they really want me to die? I can't get my money back like this. I promised to pay it back. Can't you give me some time? If I lose my job and income, how can I pay back the money? Keep pushing. I can't get my money back. Give me some time to find a job and pay back the money slowly, okay?