Online loan landing experience

"It's not an alarm clock that wakes me up every day, it's a debt collection phone. It's not the alarm clock that stops me from being lazy every day, it's the debt collection phone. " This is Conan on February 6, 2020. On this day, he began to contribute. With one foot still standing in the mud, he stretched out his hands to pull more people ashore.

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An unsuccessful venture made 28-year-old Conan fall into the "mud" of online loans. He stumbled up and found many people trapped inside. So he stood in the mud with one foot and stretched out his hands to pull more people out.

Force yourself to "go ashore"

"It suddenly dawned on me that I had to find a way to change it." When the COVID-19 epidemic broke out in 2020, Conan, a 28-year-old young man who had just returned to Shanghai, decided to force himself to "go ashore" from the quagmire of online loans, and recorded the process of "going ashore" in real time.

It is understood that "going ashore" generally means that candidates are successfully admitted to graduate students or civil servants. For those who borrow online loans, it means paying off all loans and never borrowing online loans again, that is, "going ashore" from the "bitter sea" of online loans.

On February 3rd of the same year, Conan published his first article, Diary of Forced Landing of 43w Online Loan, in which he listed a debt table he owed at that time, clearly recording the 427,000 yuan he owed on the 12 lending platform. That month, he needed to repay 46,800 yuan.

At the same time, Conan also clearly wrote down the idea of repayment. He said: "Even if I pay 5,000 yuan a month, it will only take 80 months, that is, 6.6 years. It may take a little longer if the overdue fine is included. I will be about 35 at that time. Be optimistic, I can start again. "

After the first note was published, it was on fire. After that, many people with online loan debt experience went to Conan to talk about their confusion and confusion.

During the conversation, Conan found that most people in Zhihu came to him after 90, mainly because they owed money for spending in advance, especially some young people who just graduated with low income. There are still people in the "love debt". Among them, some girls borrow money online in order to lend money to their boyfriends. Later, I broke up with my boyfriend and didn't want money. Some boys spend a lot of money when they are in love, and they also take the road of online lending when they have no money.

Kevin, a 22-year-old boy, is heavily in debt because of his love. Kevin said that when falling in love, he loves face and likes to "take the lead". And for a while, my girlfriend had a bad stomach and some minor illnesses at home. He paid part of the medical expenses. According to Kevin's statistics, in March of 202 1, his debt reached 36,000 yuan.

As more and more people come into contact with online loan debt, Conan found that these people are more likely to gamble, followed by business failure and family therapy.

Qi Lin is a single mother born in 1990s, and her career began with debt. 20 19, with little savings left, she decided to open a shop in partnership with others. After borrowing 50,000 yuan from the online loan platform to pay the store transfer fee, she paid the payment by credit card. Due to the lack of experience, the store could not make ends meet, so Qi Lin began to raise loans through loans.

Subsequently, Qi Lin changed his business direction and invested about 654.38 million yuan to open an Internet cafe with his so-called "friend". June 5438 +2020 10, affected by the COVID-19 epidemic, Internet cafes closed after only one week of operation. In May of that year, she didn't wait for the opening, but she waited for the news that "friends" were missing.

Qi Lin, who had no income for half a year, had to raise children, so she found a regular job. However, in the third month, her boss began to default on her salary. When the capital turnover is very difficult, she keeps borrowing from various platforms. "Because there are too many platforms for borrowing, every day is the repayment date."

At present, Conan has built more than 30 groups with a total number of more than 5,000 people. In addition to looking for the power of "peers", some people in the group want to force themselves to "go ashore". Judging from the amount owed, most group members owe about 300,000 yuan, ranging from 20,000 yuan to 30,000 yuan to 3 million yuan.

Everyone needs to fill out a form before joining this group. According to Conan's statistics, there are more than 5,800 people filling out the form, and there are only a little more than 5,000 people in the group at present. This is because many people quit the group after landing, and they want to stay away from debt and everything related to online lending.

This is beyond Conan's plan. He said: "As an ordinary person, one day I was walking by a small river and I accidentally saw someone fall into the water. I happened to pass by him and naturally thought of reaching out and dragging him out of the river. "

After falling into the water, I met a vulture.

Before the Spring Festival in 2020, Conan's loans on some platforms gradually began to expire. At that time, several platforms took the initiative to call Conan every day, claiming that they could lend him money for turnover. Once, when Conan went to a lending platform store to apply for a loan, he found that many people were as heavily in debt as him and were cheated to support the loan. Even when someone was just one day overdue, another lending platform came to ask him if he wanted to borrow money. Conan suddenly realized: "This is a routine loan, and you don't know it yet."

In the process, Conan met a girl named "Rabbit". "Rabbit" has been unable to repay 200,000 yuan because of early consumption and loans, and the two have been cheering each other up.

During that time, many people stared at rabbits. Some people advised her to borrow big loans and small loans, while others advised her to "periphery". In Conan's view, these people are "vultures".

Finally, the family took 80,000 yuan to Conan, the "rabbit", and said that the rabbit's problem had been alleviated in a short time, hoping that she could persist until the day when she was completely "ashore".

In addition, Conan also met someone who "kindly" advised him to gamble online and made a fortune overnight by a small blog. He knew it was a sinkhole. The person Conan met with the highest debt was gambling.

In addition, if a person's online loan is overdue, he may encounter collection or even violent collection. At this time, borrowers are often eager to find ways to collect money, and it will be easy to step on many pits. For example, some people have been cheated several times when looking for information online, and some people have spent more money on anti-collection software.

At the same time, some so-called "legal affairs" claim that debt can be reduced or postponed through debt restructuring, which makes many people excited. In fact, these "lawyers" will charge 10%- 15% of the debt amount as a handling fee. Individuals may really be collecting money to do things, but more often they will run away after collecting money.

"What wakes me up every day is the debt collection phone."

"It's not an alarm clock that wakes me up every day, it's a debt collection phone. It's not the alarm clock that stops me from being lazy every day, it's the debt collection phone. " This is Conan on February 6, 2020. On this day, he began to contribute, and his works gradually intervened.

In orbit.

Like Conan, collection is something that everyone who is overdue will face. Some people in the group received more than 300 collection calls about 1 month overdue, but this is not the most terrible.

In the past two years, frequent dealings with these collections have calmed Conan's mood a lot. Even if the group says something ugly, it won't make him too painful. But every time I talk to my parents and friends about the problem of owing money, it will make him more painful. He said: "In fact, the biggest difficulty lies in finding a job and going to work normally."

"Resolutely don't touch online loans"

For those who borrow online loans, the road to repayment is long, and struggling in the quagmire is doomed to be depressed. Many times, Conan has become the export of those who owe online loans. After a long time, some people in the group became friends and got together to keep warm.

Almost every night, people come to talk to Conan, especially after midnight. Most of them feel depressed, and very few even have suicidal thoughts. Conan said that for these people, if no one wants to talk to them, they will be imprisoned in this matter. Conan knows that their hearts are fragile, so he will be extra careful. "If you come to talk to me, it depends on when you want to talk, sometimes all night."

202165438+At around 23 o'clock on February 30th, Xiang Ming sent Conan a message: "I'm leaving, I feel like I'm going to die." A video sent shows that he cut his wrist and the blood on the ground has exceeded the area spread out by his palm. Conan has been trying to appease Xiangming and distract him. At the same time, many people came to persuade Xiangming that day. Later, someone called for emergency treatment and Xiang Ming was saved.

Good news and bad news are common in this group. Almost every once in a while, someone will say "I got a job", "I succeeded in my research", "I found a girlfriend", "I'm getting married", "I paid back all my money" and "I went ashore" in the group.

People who "go ashore" often choose to quit the group, and some people stay in the group to continue to answer questions for newcomers. Everyone in the group has a common sense: resolutely don't touch online loans.

"ashore" does not mean reaching the finish line. In this group, some people will return, and they will often fall into an infinite cycle of "borrowing-repaying loans".

Among them, many young people can't get rid of their consumption habits. For young people with low debts, Conan often advises them to go home first and confess to their parents. Many young people do rely on their parents to pay their debts, but in a few months, they may fall into the quagmire of online loans for the second and third time because of their consumption ahead of schedule. Conan said that for them, establishing a reasonable consumption concept is the fundamental solution.

In addition, some young people overestimate their abilities and think they can pay off the rest of the money when they confess to their parents. But the reality is that with the appearance of overdue loans and loans, the rest of this part is like a "small snowball", which gets bigger and bigger until it becomes a "big snowball" that I can no longer bear.

The key issue is that it is not uncommon to support loans with loans. Many people have stepped into the abyss of huge online loans since they started to raise loans with loans. Some people owe 654.38+million yuan, because there is no restraint in spending money and there is no specific plan to pay back the money. Raising loans with loans, borrowing more and more money, and the arrears have become more than 400 thousand.

However, among these people, those who owe the most are those who have bad hobbies, especially those who participate in gambling. Conan saw that when someone gambled for the first time, he paid off the online loan by his own efforts; The second time I went gambling, my parents helped me pay back the money. A few days later, I went gambling again. In Conan's view, "when all these problems are solved and then the money is paid back, we can really' go ashore'."

"I'm going ashore. I hope you can go ashore as soon as possible." Sometimes, someone will send such news to Conan on purpose. At present, Conan's debt is still around 380,000 yuan, and he will still face some collection situations from time to time. "If everyone pays back the money according to the collection speed, then I may not even have money for dinner." He admitted that it was slow to pay back the money. In the past two years, he has done some freelance work, but his income is still far from full-time. He said: "It may take ten years or more to pay off." He hopes to balance repayment and life.

Conan said that for young people, being in debt is like getting sick. Just trying to change and get better.

"I hope they can go ashore as soon as possible." For the remaining 5,000 partners in the group who are still on the road of "paying off debts", Conan wants to say that in addition to paying off the money, he also hopes that they can find the way forward and find the value of life. At present, Kevin's' debt' has dropped to the beginning of' 2'. "I wish everyone an early' ashore' and rush to their own lives."

(At the request of the interviewer, Kevin, Qi Lin and Xiang Ming are pseudonyms. )

Related questions and answers:/kloc-On which platform can I get a loan at the age of 0/8? At present, it is stipulated that the age of the lender is 18 years old, and the age+loan period shall not exceed 70 years old. Any platform is like this.

Conditions for loan processing:

1. China citizen with permanent residence in China and permanent residence in local towns, with full capacity for civil conduct, 18-65 years old.

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule.

3. Abide by laws and regulations, and have no illegal acts and bad credit records.

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided.

5. Other conditions stipulated by the bank.