I'm a junior, and I got caught in an online loan with a lottery ticket. Owe 3w, please be kind. ...

1. I am a junior, and I was caught in an online loan by lottery. I owe 3w, seeking good people. ...

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2. I am a junior, and I have a loan of 30,000 on campus. I was photographed. What should I do?

When you are short of money, you don't have to borrow money in a daze, but once you are threatened by photos, you must keep a clear head and don't make mistakes again.

Call the police first and let the other party lend you 30 thousand. How much money did you take and how much have you paid back now, including interest? Don't be afraid, taking pictures is nothing, including what you returned before, how much you returned, and nothing more. Just don't. Save each other's information and provide it to the police. They are rats. Don't be afraid of them. Be safe.

There is nothing to be afraid of. Don't answer first, as long as they threaten you, keep their messages and telephone recordings, and then call 1 10! The police will do the rest for you.

Why do you need a photo loan? This is a threat. You'd better call the police first. As long as you have all the campus goods and personal information, why take pictures? There's obviously something wrong. Don't let personal reasons affect your future. Don't listen to what others say about the reason for taking a loan. This is your private affair. Others have no right to make irresponsible remarks. Repaying the principal through normal channels, when to repay it, and the principal and interest are all trivial matters.

Don't say you owe money for this thing, just do what you want. Threatening others to pay back the money is no different from the underworld. Since we want to use legal means to combat threats, the state should support any right of reputation, portrait, privacy and spiritual compensation.

My mind is not on study, but on food and clothing all day. My parents give you living expenses. Vanity urges you to borrow some money, drives you to the wall, and makes your parents suffer with you. The state should also introduce policies to crack down on campus loans and routine loans. Return the people to a pure land!

The photos are not returned, and the online loan is still unclear. When you pay back 30 thousand, other expenses, late fees, liquidated damages, etc. Will be born immediately. As the children of greedy people, the only thing that is unclear is to call the police. A rural student borrowed 2000 yuan, and his family paid back hundreds of thousands. It has not been paid off for many years. Now I can't even go home for the Spring Festival at home, only two elderly people in their 80s are at home. After several years, it is still hurting people.

Naked goods can't be returned, which is quite troublesome. Generally, only college students will be cheated. With their understanding, they can pay back the money in advance, but they ignore the trap set by the other party. If they had money, they wouldn't go in. When they are due, they will understand that they are wrong, but that is not the point. The problem is that another trap and inducement is wrong again, and then it is not what they want to do.

When the interest exceeds one million yuan, people are already in the hands of others. Students who borrow 3,000 yuan can squeeze enough money to buy beautiful mobile phones, earn more than one million a minute, and pay back more than three million in less than two years. Unless there is no equivalent property at home, you can't escape those people, and you have never seen a certified bandit. Please don't borrow money to harm your family. It's best to choose goods from the national bank, or find a few classmates to lend each other money.

Poppy is just a flower, someone has to turn it into a flower, but you will be fine if you don't smoke it. Money is money, someone has to turn it into money, but you will be fine if you don't borrow it! The sin lies not in money, but in vanity itself. What happened to the money?

Photographing itself is not the key to the problem. The problem is that you borrowed money and didn't pay it back. You broke the contract, and you should be punished. Do you think your photo is worth 30 thousand? If someone is willing to pay 10 thousand for all my photos, I will be very happy If you think it's worth 30 thousand, then you can return it. If you don't think the photo is worth 30 thousand, don't return it, just leave it like this

Call the police first and provide the police with photos of how you borrowed money and evidence of your repayment. This is a typical campus loan, and now the state severely cracks down on campus loans. Finally, I hope this will serve as a warning to you. You should love yourself, don't borrow some money online, and upload your photos to criminals. It has not caused any serious consequences yet. If it does happen, it's too late to regret it!

Children should concentrate on their studies at school. They can't keep up with the competition and spend too much on school. They need money to tell their parents that online loans have hurt countless young people and report to the public security organs for consultation. They should discuss everything with their families and don't make their own decisions, so as not to be hit economically and mentally.

As a student, every expense is your parents' hard-earned money. It is understandable that you want to stand on your own feet, but you are still a student and have a deep social routine. You shouldn't try it. You must learn to take every step of life step by step. When you can earn money on your own, you should consider reducing the burden on your parents. I hope you are all right! Good luck!

Campus loans have harmed many college students in recent years, mostly taking private photos and videos (including ID cards) as "collateral". It seems that the loan is extremely simple and no proof of income is needed. However, high interest rate is the key. College students without income go further and further on the road of vanity, enjoyment and comparison, which eventually leads some college students to go to the point of no return and even end their lives.

In my junior year, I got a campus loan of 30 thousand and was photographed. What should I do? In fact, the best way is to face up to the problem and solve it: tell your parents or other close relatives to repay the loan and get your private photos back through legal channels, and then get on the right track! Otherwise, you will get deeper and deeper, and you will never be able to stand it!

First, campus loans are full of temptations, and many students can't live. There are many kinds of credit products now, such as campus installment music, love of learning loans, and interesting installment. Listen to how sweet and boring the name is. "Love Learning Loan" thought it was a student loan, but what they advocated was that you only need to change tens of dollars every day, drink less coffee and buy two bottles of drinks, and you can enjoy the latest iphone as soon as you buy the latest tablet.

What a tempting statement, college students are an age that loves beauty. If classmates and friends around you like to compare, it is easy to join various "campus loans".

However, these businesses will not provide you with loans for no reason. You know, in the adult world, you still need proof of work and income to prove your repayment ability, so that you can borrow money to buy a car and a house, and students can't give you loans unconditionally. Therefore, the fox's tail will eventually be exposed, that is, taking private photos and ID cards as threats.

To put it bluntly, they know that many students can't afford to change their loans. They just want to make a profit, that is, let you fall into the abyss where high loans can't be repaid. In other words, from the first campus loan, you are wrong!

Second, paying off the loan is the right way. Don't think about robbing Peter to pay Paul. The crooked move finally killed you! The first step was wrong, the loan was made, and it was a fait accompli. That can only be corrected in the second step to make up for your mistakes. Some students can't afford to repay their loans, but the trend of keeping up with the joneses has taken shape. What should I do? So a series of tricks: find a rich boyfriend, just have money. What feelings are you talking about? It seems not difficult for college students to earn money by going to acupoints or nightclubs by themselves. If someone dragged them into the water, it would be too smooth, or find a michel platini or something?

Because of online loans, you are urging repayment every day, thinking that your private photos will be made public. How can you learn this state well? In addition to the immediate loan, if you don't face up to your own problems, you will develop a tendency of comparison, luxury and material, and enter the society. It is conceivable that you would do anything for money!

At present, 30 thousand yuan is too much for a student to bear. For parents in the city, it may not be a big problem; Of course, if the problem itself comes from a remote rural area and it is difficult for parents to collect their children's tuition and living expenses, then 30 thousand yuan may be sky-high for their families? However, in any case, remember that at this time, we must face up to the problem, inform our parents in real time and seek their help. Even if you sell iron in a saucepan and borrow from relatives, you should return the money as soon as possible. You're only a junior, and your life is still long. You don't want to ruin your life, do you?

Once you encounter a campus loan, you should immediately tell your parents and school that it is time to repay it. Photo infringement, lawsuit. In short, don't try to solve the problem by yourself, or you will only get deeper and deeper.

The victims of campus loans are mostly female students. Girls have just entered the university, and their recognition of the seriousness of the matter is not high. Under normal circumstances, it is also easier to spend impulsively. When you can't afford the expenses, it is easy to fall into the trap of campus loans.

Campus loans often capture the timid psychology of girls. Let girls take private photos of themselves when borrowing money, and use it as a threat once the repayment fails. In recent years, there have been many incidents in which female students are threatened by campus loans.

Because of their thin skin, teenage students feel that their privacy is in the hands of others, and they dare not resist at all, let alone disclose the slightest information to their family and friends, silently bear a lot of benefits, and finally push themselves step by step to "no return."

As a college student, we always think of ourselves as adults, so many things, especially bad things, are unwilling to let others intervene to help solve them. I thought I could do it by myself, but it often backfired and eventually got out of hand!

However, paying off debts is a matter of course. The campus loan is what you want, and you still have to pay back the money. As a student at school, we should seek the help of our parents in time when our financial ability does not allow.

The illegality of campus loans lies in unreasonably high interest rates and threats to use photos taken by lenders, which are not allowed by law. Therefore, after paying off the money, you can go to the campus loan institution, which is reasonable and legal.

Son, as a college student, how can you still believe in campus loans?

2065438+September 6, 2007, the Ministry of Education explicitly banned campus loan business, and no online lending institution may issue loans to college students.

Now that the Ministry of Education has spoken, it shows that campus loans are illegal. I suggest you call the police directly!

You don't have to worry about becoming a "faithless person" because you can't afford it.

Because of June 2, 2020, 65438+, the highest level issued the "Opinions on Further Strengthening the Implementation Concept of Friendly Civilization".

The "Opinions" stipulate that full-time students who become executors because of "campus loans" are generally not allowed to be included in the list of untrustworthy or restrict consumption.

In view of your situation, Mu gives you the following suggestions:

1 I honestly explained this to my family, returned the money to others, and returned the photos at the same time.

If the borrower doesn't return the photos, I suggest you call the police directly.

If the borrower threatens you with photos, please call the police directly, and don't be intimidated by the lender!

Pay attention to protect yourself, don't go out at night, and don't be asked out at will to avoid injury.

Some people may ask, why do people want campus loans? Isn't the living expenses of parents enough?

I think a large part of the reason is to satisfy its vanity. For example, buy expensive Apple mobile phones, Apple notebooks and brand-name bags.

Want to get rid of the troubles of campus loans, Mu gave the following suggestions:

1 study hard and don't concentrate on dressing up or keeping up with the joneses.

Once you have vanity, once you like to compare with others, I think your living expenses are not enough.

What if it's not enough? It may be the beginning of your "campus loan".

Need money urgently, ask your parents for it, and never borrow money on campus!

Once the campus loan, the nightmare began.

Remember, no matter how others confuse you, you don't want a campus loan!

You should have a certain ability to identify and judge, don't be confused by other people's sweet words, and don't listen to so-called "friends" for campus loans.

Finally, Mu hopes that you can "learn from a painful experience" and don't make the same mistake again.

Mu also hopes that other students will not make similar mistakes.

I photographed a junior with a campus loan of 30,000. I really want to ask you if you are stupid. Do you dare to use this money? Is 30,000 yuan the principal or all the interest? What did you do with this 30 thousand? I'm afraid if I can't afford it. Why did you go early? I really want to beat you up for a child like you. Have you ever thought that 30 thousand yuan is a continuation of your parents' hard work?

Let me tell you one thing first:

1. Tell your family truthfully and tell your parents exactly why you borrowed money and how much it cost. Even if parents are angry again, they will protect their children and help you find a way!

2. Whether the money is returned or not, the other party uses photos as chips, which involves intimidation. You should call the police boldly, let the police come forward to help solve the problem and let them delete the photos!

It is only natural to pay back debts, regardless of whether the other party is legal or not. Since the money has been spent, it should be paid back, so that parents can find ways to raise money and minimize losses.

4. Let the police and their families help deal with the aftermath of the campus loan. Long-term harassment is not blamed, and money will not be exchanged clearly.

5. Dare to say no to illegal activities. Campus loans only threaten photos, because students are simple, timid and afraid of family and friends knowing. You are cornered, as long as you break the net and don't make a hard shell, your legitimate rights and interests can be protected and criminals can be brought to justice.

The purpose of students going to college is to learn knowledge, which is nothing more than luxury, dressing up, eating, drinking and having fun, and nothing more than learning knowledge.

The money you borrowed can't be used for study. Now that the police and parents have solved the problem for you, do you want to reflect on your past? The university is about to graduate. What did you learn at school? How many subjects failed? Do you want to adjust yourself for the next road?

How long will it take your parents to save 30 thousand yuan? Looking at your parents who work hard every day, do you have the heart to go on like this? Wake up, son! Make up for what you left behind and be a good student in the sunshine.

First, inform parents immediately; Second, call the police immediately; Third, report to the school immediately and seek protection; Fourth, actively carry out psychological counseling, get out of the shadows, and return to normal study and life; Fifth, learn a lesson and think twice before you do anything.

visual angle

Don't worry, now the civil code supports you, call the police directly!

analyse

The Civil Code of People's Republic of China (PRC) adopted this time clearly states "prohibition".

So don't worry about your business. If he threatens you by taking pictures, you can call the police. Don't be afraid, let alone afraid!

Releasing is a crime that has violated the criminal law, and taking pictures is also illegal.

Ice media wants to say

Don't be afraid of this kind of thing. First of all, you should dispel your worries and don't let your heart be upset.

The second is to ask for legal aid accompanied by others!

Son, call your parents and tell them the truth. Don't delay for a minute, and then ask your parents to accompany you to the police. Never recite it by yourself again, you can't move it! You don't have to worry that your parents won't forgive you. You know, no matter how big a mistake you make, they will forgive you.

Also, you should keep the relevant evidence of campus loan, which is very important for uncle police. Don't do anything stupid! As long as you work hard, you can earn back 30 thousand in less than half a year.

A girl in our university jumped off a building because of a campus loan! At that time, her mother had come to school. I don't know what NianLia said, so I asked her mother to wait for her downstairs in the dormitory. She said she was going up to get something. Then she jumped down from the upstairs and died directly in front of her mother. Her mother fainted at that time! After her mother woke up, she went home and didn't cry at school! It is said that her mother went home, but she was saved.

Everyone says it's not worth it! A fresh life has withered for tens of thousands of dollars. Some people say that her mother blames her, but I don't think so. Shouldn't parents criticize such things? If you make a mistake, you must listen to adults. Adults have forgiven you, and they will want you to learn a lesson, so don't do stupid things just because your parents complain a few words! There are no obstacles. I believe that with this experience, you won't make such a mistake again.

In particular, a "junior" student encountered a difficult problem. When I learned that the country had already banned some tragic "campus loans", you were still stuck in it. With your knowledge and IQ, you are a thousand miles away. As a parent of a middle school student, you are deeply saddened and sympathetic. But I don't know the reason, that is, the relevant departments of school affairs didn't give enough education, or that you were forced by the hidden secrets of the school, or that your parents didn't do their best. If you blindly compare yourself just to save face, it would be a big mistake. As a "high flyers", you should know that comparing yourself is inevitable in daily life, especially as a knowledge seeker. However, this comparison is not better than dressing beautifully and eating high-end, but compared with others in knowledge, wisdom and achievements, because now and in the future, the government or enterprises pay attention to "ability". In addition, I suggest that as parents, even if they are "frugal" for the future of students, they should overcome the "temporary" difficulties, ensure the students' living security, and do their best to reduce undue pressure and go smoothly. Junior year, isn't it almost over?

Closer to home, in the face of the current "school loan" dilemma, it is suggested that the student tell his parents truthfully first, and then ask the school supervisor to help solve it. If there is no result, don't listen to gossip and call the police decisively. The law enforcement department will judge whether the loan relationship is legal, whether it should be repaid, and how much. If it is reasonable, people should be honest all their lives and try their best to fulfill their repayment obligations. If it is illegal, they will deal with it according to law.

I have a say in this question. In fact, my friends around me actually have such examples.

My friend is a boy. He left school a long time ago and has been working outside. He made a girlfriend at work and got married when he came home that year.

Because his recent marriage didn't last much, his parents actually didn't get much. After all, they are all in the countryside, so he came up with the idea of getting rich overnight. Being infected with online gambling is actually a very fatal thing. Online gambling is really harmful. He asked me to pull over, but I refused directly. I don't believe in getting rich overnight.

As a result, you can imagine that you won a lot of money at first, then got deeper and deeper, and finally owed a foreign debt. After robbing Peter to pay Paul, it is getting bigger and bigger. Finally, I had a bad idea with my daughter-in-law-naked loan.

At first, I borrowed 50 thousand yuan. They took pictures together and were all naked at the same time. People say this is a large loan. 50 thousand actually got 30 thousand, and the other 20 thousand said it was interest and service charge

Later, when the money was not paid, he was called to blackmail and even sent photos and videos to his parents. And borrowed money from me. I borrowed a little, but I was afraid to borrow more. In the end, there is nothing they can do. The money they borrowed can't even pay interest. In the end, there is nothing they can do. They just don't pay it back.

If you say no, you won't return it. People don't agree. As a direct result, someone came to his house to post advertisements at night, both of them with mosaics on their faces. The next day, I almost collapsed. This is a lot of noise. My friend went out with a knife and said he would kill those people. Fortunately, his parents stopped him

In the afternoon, they called the police. In fact, I want to say, let's call the police early, or trust the people's police. Naked loans are illegal. The more you flinch, the more arrogant they are. When the police know about it, they will talk to my friend directly. Oh, you don't have to pay back the money. You can give it to them later, and they will take care of it. Don't worry about your photos and videos.

About two weeks later, the police came to their house again and said that the matter had been solved, but the money was not coming back. Let's buy a lesson. Borrowed 30,000 yuan and paid back nearly 1.5 million yuan.

So, you were photographed as a junior this year. Don't be afraid. Just call the police and hand it over to the people's police. You should trust them, not just compromise and fear. That will only let criminals know your ignorance and cowardice. Besides, university is not a place to compare with others. If you have no money to ask your parents for it, just eat enough flowers yourself, and don't blindly compare with others. Girls have to respect themselves to make others love you.

Poor people must have something hateful. You must consider whether you can bear the consequences of what you have done. As an adult, you should be responsible for your actions.

Third, how do college students prevent "routine loans" from taking advantage of loopholes?

Following the "school students". A junior student in Chongqing owes a huge debt of 65,438+10,000 yuan for starting a business, and the lending company keeps sending him messages for dunning, threatening to harass his family and classmates around him, thus creating a large number of 15 criminal suspects filed by the Chongqing Municipal People's Procuratorate on suspicion of extortion.

A few years ago, some illegal lending institutions took on heavy debts to some college students in the name of "campus loans", forcing them to do so. Some female college students provided private photos to these lending institutions under duress. Under the strong appeal, the relevant parties have strengthened management and crackdown. Now, this harmful "campus loan" has been basically cleared out of the campus. However, those from Chongqing should be wary of providing small-scale fraud and extortion.

The motivation of this college student loan in Chongqing is to start a business. Compared with many cases of "campus loan" in the past, some college students borrowed money to buy a fashionable mobile phone and other high consumption. This kind of entrepreneurial loan is undoubtedly more justified in motivation and in line with the direction advocated by society. Many parties have expressed clear support for college students' entrepreneurship, and they can even reserve their school status for dropouts to start their own businesses. However, college students' entrepreneurship is the most important weak link in college students' entrepreneurship at present. Some people with ulterior motives take advantage of this opportunity to sell their "routine loans" to college students, the essence of which is to harm students.

This situation is that formal financial institutions do not provide enough support for college students' entrepreneurship. Providing special loan projects for college students' entrepreneurship has been unanimously welcomed by the society and entrepreneurial youth, which has solved the problem of innovation.

However, unilaterally asking financial institutions to strengthen their support for college students' entrepreneurship is also inconsistent with market rules. Entrepreneurship does not necessarily bring returns to entrepreneurs, and it is full of risks, and even failure far exceeds success. The spotlight of society often shines on it. However, financial institutions must take into account that once they become bad debts, they will bring losses to themselves. Among all kinds of entrepreneurial groups, college students are undoubtedly a group with relatively high risks and lack of enthusiasm, which is an instinctive reaction for institutions to contact the market from the perspective of economic interests.

To support college students' entrepreneurship, we should provide more targeted and detailed support according to their actual situation, give scientific evaluation to college students' entrepreneurship, help them analyze and even communicate with the market, and help them finance promising projects, so as to avoid letting them see that many college students' entrepreneurship every year is only based on a passion or even following the trend, and the projects they invest in obviously lack the market. We should also be responsible for students and seriously discourage such entrepreneurial activities, instead of being accused of not supporting entrepreneurship for fear of being accused. After all, for most college students, learning is still their main task.

For college students who fall into the trap of "arbitrage loans" because of pioneering loans, not only schools should come forward to protect students' personal safety and legitimate interests, but local government departments should also severely crack down on all kinds of illegal institutions that commit fraud and extortion in the name of lending. In the case of Chongqing, the local police actively accepted the report and protected the legitimate rights and interests of young students, which is undoubtedly worthy of recognition.