What is it like to have your address book destroyed by an online loan?

That was two years ago. Because the computer must be bound to my own mobile phone number, I made a new mobile phone number, but for some reason, this mobile phone number was wrong, and strangers were calling me. One time, a phone number starting with 010 came. I thought it was my brother calling from Beijing and answered the call. As a result, someone asked: "Are you Li Kai's mother? Li Kai took a loan." I told I am not Li Kai’s mother, I don’t know Li Kai, and the other party still doesn’t believe me. I just assumed it was a wrong call and ignored it. But two days later, there was another call from Li Kai, saying that he had used this number to get a loan. After I heard that, I took it seriously. I went to the mobile company to ask what the situation was, and the mobile company said it was The recovered number was resold to me, and it didn't bother me. People need ID cards to get loans and there are a lot of procedures. You can't get a loan with just a mobile phone number. I don't want this number anymore, and it won't work because it's bound to the computer broadband for two years. Alas! It must be used for two years. This number is so scary that I only bind it to my computer. No one else knows my number. It’s just that they are still calling from the original Huguan people. I don’t know anyone. I really feel that this number is very annoying.

From the debt recovery, you can tell that it was a campus loan. In fact, some students took out a loan to buy a mobile phone worth more than 2,000 yuan, but they couldn't repay it. They took out a second loan to repay the first one, and ended up borrowing more money. The deeper it gets, the 2,000 yuan will be worth 200,000 to 300,000 yuan in a few months. As a result, the parents cannot pay back the debt. In the end, the parents have no choice but to abandon their homes and run away. Some children even cannot pay back their campus loans and dare not tell their parents that they have chosen suicide. In fact, they didn't know at first that they would not be able to repay their campus loans, and they didn't know the shady story behind it. They were burdened with debts that they couldn't repay at a young age, and were finally forced to go to a dead end.

So students, don’t believe those loans posted in the corners of the campus. It is a doorway that will lead you to hell. Don’t take a step forward. If you take one step, you will fall into the abyss and never go up again. Even if you don’t come, I hope the country can rectify these loans hidden in students’ corners, because they are eroding the greedy souls of the next generation. Please care about every aspect of the next generation and give them a clean environment.

I have been going through this for more than a year, and I am still going through it. At first, I was afraid of phone calls. When the phone rang, I would panic. Even when my colleagues’ phones rang, they would be on tenterhooks. Many people asked me if I had encountered... It's a scam, saying that someone is pretending to be me to borrow money from him, all kinds of p-pictures, disgusting language, why you have AIDS, taking drugs and no money, and there are also people who come to your house. When they come downstairs to your house, you come out or we go up, every day When I get home, I will look around to see if anyone is there. I often see a collection letter posted on the door, or an email. It is quite interesting to open it and read the lawyer's letter. It is a side experience of the harsh world. After landing, it is estimated that it will take When you change your circle of friends, you really start over. The past is really the past, including people and things.

If you want to know what it is like to have your address book exploded by an online loan, I suggest you go to my homepage, where I have recorded my experiences since the deadline.

It is so painful that life is worse than death. It is the experience of being forced to explode your address book. Even though I can be contacted at any time, my address book was leaked by 360, Xiaomi and Suning!

I had just hung up the collection call when I received the call from my eldest brother. Originally, I patiently explained the problems I encountered on the phone and hoped for an extension so that the payment would not be paid for the time being, but the debt collector directly told me that there was no such thing and that I could only return it according to the contract. The consultation phone number just hung up and I called the people in my address book directly!

My head suddenly buzzed, my address book was exposed just like that! The thought of my friends finding out that I owed money, my parents and brothers finding out... I just couldn't imagine it.

Xu Bantian called the collector to ask what was going on, but they all used virtual calls and couldn’t get through at all. Complain to the platform’s customer service. The customer service politely tells you, “Sorry, you are overdue. We have the right but not limited to telephone notification. We will also send a text message lawyer’s letter later, asking you to pay back the debt in time.”

Later, I saw some online friends calling 12378. I tried calling once and finally got through. They said that online loans are not under their control! Black Cat complained, but he replied, it's still the same, you have to pay back the money and keep silent about exploding the address book.

In the end, I struggled a lot, but there was no result. I saved all the evidence, including the contract. As a result, I discovered that many platforms could not find the loan contract! I called repeatedly to demand the contract, and at the same time received collection calls normally. I clearly told these vampires that I would not lose contact, that I was temporarily unable to repay, and that I could not call my relatives or friends.

At the same time, I called and sent text messages to my relatives and friends to tell them the truth. I recorded all the collection calls and told them that they did not know me.

When I really faced this, I discovered that others don’t actually care about you that much. You are not that important in the minds of others. People who care about you will care about you and try their best to help you if bigger things happen, let alone you owing money. People who don't care about you don't care at all whether you owe money, as long as you don't owe them money! Therefore, the most effective method of collecting money - exploding your address book is not that scary. It is just like that when you actually face it.

If you encounter debt collection and use your address book, remember to keep the evidence as it will be used when you repay the loan or go to court in the future. Face it with a normal mind, making money is the most important thing. Whether you can land or not depends on the money you make, not anything else.

I have experienced it. Some debt collectors are better. They talk nicely for three to five days. If I meet the one who comes up and directly explodes the address book, I will definitely know who he is. As long as I meet him, I want to use a knife to cut him into a pile of meat and then feed him

What kind of experience do I need when I have lost my face? My address book has been exploded, and I just want you not to pay back the money.

Personally, I think my brother is a living example! I dare not think about it! It almost cost me my life! The important thing is not to explode the address book! What matters is which profit is compounded! It’s an astronomical figure for us poor people! Online loan information updated every day! It makes people afraid to look at it! A knife that kills without showing blood! My brother’s ID card has been blacklisted! What’s even more frightening is the routine! You’re not afraid of having your address book exploded, but you’re afraid of getting compounded profits, you know? Profits are compounded! 6 dollars a day! A demon who eats people without spitting out their bones!

Life is worse than death, you are despised by your friends, blamed by your family, you become a street rat and no one can listen to you.

The experience was very refreshing. More than two dozen of my online loans were overdue at the same time. It felt like heaven.

At first, I didn’t dare to answer the phone or turn on my phone. It was also in airplane mode, so no one could make any calls. The delivery person didn’t scold me to death at that time, so I didn’t dare to turn off airplane mode until I got home every night. The text message reminding me of incoming calls would ring for half an hour, which was so frightening. There were still relatively few collection calls at night, but some people called in the middle of the night. Those days were worse than death

Later, the mobile phone turned on the interception mode and only allowed local numbers. Basically all collection calls were intercepted and deleted after a few days. , there were at least hundreds of intercepted calls. After the address book was exposed, most people sent messages to inquire. I always responded to everyone's information leaked. I had no choice but to believe it or not. Only two people called me to inquire. There is one type of people who are just looking for jokes, showing concern on the surface, but actually asking for information and complaining, blaming me for leaking their number. I don’t blame them, because it is indeed my fault. The other kind is people who really care about me and ask me if something has happened and if I need help. I need to remember this kind of person for the rest of my life.

In summary, can online loans be a good thing? Don't touch it, because if you are not careful, you may fall into it. If you do, don't give up. If you have money, pay back the money. If you don't have money, live your life first. It's a long road, but there will always be a way.

This is something I really understand. In the beginning, I didn’t know how to call. I always called myself. But since the overdue time has become longer, it’s really something you can’t imagine. No one can’t call them, even me. Some of my customers have called me, it’s amazing.

At the beginning, I would be very nervous when the phone rang, especially the office phone. Because it was an internal line, if an outside call came, there would be a long tone. At this time, I would usually reflexively think that it was me. Yes, when the phone rang, it almost became a command; in the end, when my colleagues’ phones rang, they thought they were calling for me. It was really painful.

Now after a year of collecting collections, I am really exhausted physically and mentally, but I really want to think about it and let it go as much as I want. The more you care, the less you can concentrate on your work, which will affect your family life and put a lot of pressure on people around you. So, we make money and pay it back, and let the rest go. You can't decide how to do online loans or bank collections, so don't care about what to do, just pay back the debt.

My real experience is that it took less than two months after I was forced to go ashore. Before my address book was exposed, I explained to my relatives and friends that I had been deceived into getting a loan. My parents took me to the police, and my friends helped me find a lawyer. The final conclusion is that there is no need to pay it back and ignore it. Of course I'm talking about 714.

I changed my mobile phone number on the first day I was overdue. Occasionally when I was in a bad mood, I plugged in the card and yelled at him.

In short, don’t think about it if you are already on the wrong path. Change your number, change your job, change your lifestyle. It’s nothing that can be solved with money. Life is still long, so just be more open-minded