Do you owe online loans around you? What happened to them? Regret it?

On February 28, 2020, 65438, I received a strange phone call inexplicably. The other party said he wanted to pay back the money and mentioned my friend's name.

At that time, I hung up the phone a little confused. Unexpectedly, after hanging up the phone, the other party still didn't give up and called with many different home numbers such as Shaanxi, Shanghai, Guangzhou, Beijing and Sichuan. Look at the communication records at that time. It was really scary.

Later, the other party added me to WeChat through the address book, and the remarks were:

I didn't stop. After a while, I received a number of debt collection messages from a certain platform. Being harassed one after another, I was particularly angry and sent back a message warning:

My mobile phone didn't stop until I answered the message.

Although I have never been exposed to online loans, I have also heard some information about online loans. It is said that failure to repay on time will expose the address book, and then personal credit information will be affected, and even a court summons will be received.

At that time, I guessed that my phone number must be stored in my friend's mobile phone. Then, he borrowed a loan on the network platform, which is overdue now, and someone exposed the address book. That's why I was bombarded by debt collection companies.

After all, I have a good relationship with that friend. Out of concern, I called him to ask about the situation As a result, I didn't reply to the message, didn't reply to WeChat, and no one answered the phone.

But later, he took the initiative to call me back and told me about his borrowing experience over the years.

A friend said that he owed more than 300,000 yuan for credit card and online platform loans. He doesn't know the exact amount, because he feels very broken when he thinks about it. Anyway, in recent years, I have been relying on online loans for a living, and I have always been robbing Peter to pay Paul.

Until there was an epidemic last year, his industry had a great influence. After nearly half a year, there is no income. After the capital chain breaks, the hole in online lending cannot be filled. Because of his face, he is unwilling to borrow money from relatives and friends, and the hole is getting bigger and bigger. Later, he couldn't remedy it any more, and simply broke the jar.

He said to me with special regret:

What I am curious about is that he and his wife work in second-tier cities, and their wages are still considerable. Besides, they are not the kind of people who spend money lavishly. Although they have a son, they just went to kindergarten and the expenses are not too big. By rights, they shouldn't owe so much money.

He didn't cheat me. It turns out that my friend lost a lot of money playing cards outside behind his wife's back. Because he had no money to gamble, he contacted the online loan under the introduction of a "friend", and then it was out of control.

Some formal online lending platforms mostly repay by installments, which is relatively less stressful, but the interest rate is very high, especially for the 24 th installment, which has the highest interest rate, which is also a lie.

Because more and more loans were borrowed later, he borrowed several large lending platforms, and after borrowing this platform, he paid off the debt of another platform. When the quota of the platform was used up, he immediately paid off one of the platforms and set out some money to supplement the other platform.

To be honest, just listening to his description makes me feel terrible.

Because there is no other way to know that this is usury, just like snowballing, it will get bigger and bigger, but if you don't do this, there is no other way.

Later, their family almost lived on online loans. After his wife found out, she quarreled with him every day and kept asking for a divorce. He is desperate and has been fighting hard.

When there is no epidemic, his life is barely maintained, and he has a stable income at least every month. However, an epidemic completely disrupted his loan rhythm.

On the day of repayment, he couldn't get the money and could only accept the platform punishment. Not only will he never be able to borrow money again, but his credit will also be affected. When the phone calls, he won't answer anyone's phone at all because he is harassed by the debt collection company. Collapse.

Originally, no one else knew about his loan, and his friend was a face-saving person and didn't want to trouble others. Therefore, no one knows that he owes so many loans outside. However, after his address book was exposed, almost all relatives and friends called to care. It doesn't matter what face he has.

His father and brother gave him some money respectively, but the money was not enough. After all, his father and brother are farmers and don't have much savings.

He was really upset because of one debt call after another, and finally had to reluctantly sell his car and some valuable possessions. His wife is also a good woman. After all, she saw her friend and regretted it. She couldn't bear to watch this family go away. Later, she began to try to borrow some money from home.

In order to earn more money, the young couple had to send their young son to their grandparents in the country to take care of them. They changed their jobs to manual labor with higher wages. Although they haven't paid off all the online loans, they see hope. I believe that this year, through hard work, they will be able to completely get rid of the troubles of online loans.

I wonder how people who owe online loans are doing. I only know that after my friend owed the online loan, his life was restless, insomnia and anxiety, and his hair fell a lot. He lives under great pressure every day. Do you ask him if he regrets borrowing online loans? It is estimated that his intestines are regretful.

Conclusion: I would like to remind you that most people should never touch online loans. If they are trapped, it will be beyond redemption. Also, don't listen to those advertisements about online loans at will, there are too many traps.

For example, when an online lending platform advertises, it only tells you what the minimum interest is for one day, but it doesn't tell you what the maximum interest is.

For example, if we borrow 1 1,000 yuan from the online lending platform, the interest will be less than that in 2 yuan for one day, which seems to be a good deal. However, you should know that this is the lowest interest, and everyone's loan interest is different.

And in general, our loan interest will be higher than this minimum interest amount. If you don't believe me, you can do the math yourself, or consult your friends around you. After converting the annual interest rate, it will definitely surprise you. It's really a pit.

Finally, I would like to remind everyone that it is safest not to spend in advance, and how much ability to do great things is the safest. Once caught in the whirlpool of borrowing and rolling profits, it is really difficult for ordinary people to turn over.

Therefore, lending needs to be cautious, and we must do what we can according to our own situation!

Yes, I have a friend named Luo, 1996. He is supported by me now.

He and I are friends. He has no parents since he was a child, and his grandfather brought him up. I don't know him. Later, I studied in a school and became friends. I trust him because he is honest and conscientious.

From 20 16 to 20 19, he lent me money for four years and paid me back for four years. In 20 16, his grandfather died and needed money for the funeral. He borrowed 30,000 yuan for the funeral. Then I went to work in a factory and paid it off. However, in 20 17, he borrowed money from me again, each time10.2 million, but he paid it back.

2065 438+09. 8. 3 I was alone in Kunshan and had no money. I swiped my credit card and bought him a high-speed rail ticket to Chengdu. Then, his identity card needs to be reissued. I'll pay for the rent, and I'll pay for the meal. Total * * * to lend him 3600, may not be enough, still have to lend him 2000.

I can't help it, because he was very kind to me before. I remember when I was not at work, he gave me a box of pineapple beer. I remember other people's good. So I never forgot.

He told me that he owed1.20,000 in online loans, of which 60,000 was the penalty interest of usury, and he didn't pay it back. Fortunately, the usury company he borrowed money from closed down this year, and now he owes a credit card 15000, which has been repaid for 24 periods.

He is caused by high consumption and low self-esteem. With a salary of 4,000 yuan a month, he wants to buy 6,000 Apple mobile phones.

To tell the truth, my income is not high and I am not married. However, as a former friend, what can help is to give a hand. I hope he can find a job, pay off his money and be a good person. If we hadn't saved him, he might have starved to death.

Drugs are really nothing in front of online loans. My brother borrowed more than 60,000 loan sharks the year before last, and he has to pay back more than 800,000 in two months! In the face of money, they lost their humanity. Don't reason with them. It's all nonsense!

Share your personal experience.

Around 20 17, 12, my brother borrowed usury and online loans to collect livestock, which blocked my parents' home. My father called me when he was out of town. Bought a plane ticket and went home all night to get to know the situation. Because I was naughty when I was studying, there were several naughty brothers in my hometown. At that time, I brought some brothers home, and everything was smashed when I got home. There are four people living in my family. My parents are all bruised on their faces, and my brother is tied by them. I didn't say anything at that time, so I had a fight with those bastards and called their boss. I remember that many people came at that time, and their attitudes were extremely unfriendly. There is no room for negotiation. Later, I learned that my brother had paid more than 654.38+0.3 million in principal and interest. That's enough. I don't know how much! These animals want my brother to pay back more than 700 thousand. We later chose to call the police and called the police several times, but all the economic disputes could not be handled. Maybe I caught a lot of money that time and lost more than 20 thousand medical expenses! Two foes were sentenced to three years and two to two years. I advise those girls to find a proper job at a young age, and don't let those black-hearted people rob them. Now I dare not live in my hometown for fear of revenge, and my house has been sold and moved. After that, my brother was completely wrong He shuts himself up at home every day and says nothing, for fear that he will think impassability!

Don't be afraid of violent collection. The more you fear him, the more arrogant he is. Whoever is not afraid of death is really desperate. These people are his grandchildren!

Stay away from online loans and cherish family and life.

I am myself. I was born in 1987. Originally, I had a good life. I work in a public institution. In a World Cup in 20 14, I was addicted to buying lottery tickets, and I lost 200,000 in Alipay. That was originally the money I planned to change trains at home at the end of the year. Later, in order to fill the hole, I opened a 14 credit card, and I opened almost all our local banks with a total amount. Then it was all gone in less than two months. At that time, my salary was about 1000, which I simply couldn't afford. Later, I applied for more than 30 online loans, large and small, probably because I worked in a public institution with a high pass rate and a good quota. Almost all mainstream online loans have given me a quota! But I couldn't control my hands and lost everything. Later, countless collection calls came to my house and finally broke out. Father was very angry and went to the hospital. My daughter-in-law fainted on the spot. It's the first time I've seen someone faint at my age. My 2-year-old daughter has been shaking her fainted mother. Later, after my father was discharged from the hospital, he secretly sold the house without telling me. It was just in time for the Spring Festival. My father called our family together on New Year's Eve. Tell us earnestly that we must live a good life, pay back the money and come back next year. You two are young and have steady jobs. Our old couple have sold their house and returned to their hometown after the New Year. When my father told me all this, I knelt on the ground, sobbing. I regret it. After the Chinese New Year, my father paid me back and moved back to my hometown. I insisted that my parents live with us, but my father said he didn't want to see me again. I know my father is still angry with me, so I decided to persuade him later.

That's a lot.

Case1:the little girl after 85, the former internet company closed down and the girl was forced to leave her job. After staying at home for nearly two years, I was used to buying in buy buy, so I spent a little savings, not to mention credit cards and online loans, and I owed 30,000 to 40,000 yuan. The girl didn't care at first, until the hole was getting bigger and bigger, and she was relieved. The client found me, and I introduced her to a state-owned enterprise as an administrative secretary. Very suitable for girls, but the salary is average, and girls are hesitant. This salary won't fill the hole for a while. So I chose a high-paying startup and started a new life in 996.

Girls have no regrets. If she doesn't borrow online loans, she may have more choices in life opportunities.

Case 2: 1993, trendy young people bought a new mobile phone in a mobile phone supermarket, and according to the mobile phone seller, they signed the so-called two-year installment agreement. Later, after using the mobile phone for less than a year, I felt that it was time to change the latest model, so I refused to go on stage again. Who knows that when the phone came in, he didn't know what installment was, but he was repaying the loan by installment. If he didn't pay back the money, the overdue fee would be outrageous. So, he originally planned to use his mobile phone for only one year, but it took two years. He paid more than 3000 yuan for his mobile phone and paid back more than 4000 yuan.

The young man regretted it. At that time, the brain was hot, greedy and cheap, and suffered a big loss.

Tell a true story. The chief financial officer of our company is a beautiful young lady. She has a high pursuit of material things, and she has to have a vagina reduction operation for beauty and buy luxury goods. Her husband is an ordinary worker and can't meet her material needs at all.

So she began to borrow money online, buy luxury cars, buy brand-name bags for plastic surgery and dress up all day. When I first arrived at the company, I thought her husband was either rich or expensive, and I didn't know about her family until after the incident.

Because she couldn't afford the online loan, she began to borrow money from her colleagues privately. Because her appearance fooled many colleagues, many people thought she was rich and in a hurry, so they lent it to her. At most, a colleague lent her 300 thousand. Then she began to play online gambling while not letting her colleagues pay back the money.

Because of the great loss, she took advantage of the convenience of keeping our company's official seal and began to borrow money in the name of our company. She happened because the cashier was on vacation. Because the boss trusted her and asked her to work as a part-time cashier, she transferred nearly 1.6 thousand yuan in a week. Just when the company was going to pay a supplier, it was discovered that at this time, she had been owing nearly 5 million yuan, including online loans, money borrowed by colleagues and misappropriated public funds in the name of our company.

The boss asked her to pay back the money, but she didn't say a word. The boss said that you didn't pay back the company's money, but you paid back the money borrowed by your colleagues. After all, it was their hard-earned money, and she said no, so our boss had to report the case, and finally the court sentenced him to seven years.

At the same time, because of her, her in-laws and parents were bedridden with anger, and her husband wanted to divorce her, so a beautiful home ended.

I haven't met her, but I think she will regret it. Without my family, I will spend my youth in prison. When I come out, I will be a semi-old Xu Niang with a stain. Who can not regret it?

Yes, there is. I am. At first I was almost like a walking corpse, in a trance and anxious. I regret it.

The sources of arrears are credit cards, online loans and private individuals.

Credit card online loan arrears, my heart is not uncomfortable. But personal things are hard to say. Friends are enthusiastic to help you, others use money, but you don't pay at all, and your heart is like hot frying.

This year, I owe more money, collect more money, lose face, and my mood of making money has also decreased. Listless, unhappy, endless anxiety.

Sometimes I will comfort myself with broadmindedness, and the good wind will use its power to send me to Qingyun. It's no use, the mood is good and bad, so what if you regret it. The terrible reality of high debt swallowed up my young and anxious little heart.

Recently, I have seen many people say that 23,000 credit cards have been prosecuted or intervened by local economic investigation, which is different from the friends who have publicized less than 50,000 before. This is a civil economic dispute. Leave him alone and let nature take its course in the development of debt collection.

My Alipay is also the biggest creditor. I hope you move slowly. However, is this technique so strong for a few minutes and seconds of deduction? Don't you leave any money for steamed bread and pickles? There is no way to go, and it is bleak everywhere.

Perhaps this is the most normal state of mind of the debtor. Come on, add vinegar, but you can't beat the debt.

Take your time. The house is handled slowly, and the debt is solved slowly. Can banks, platforms and individuals accept your rhythm calmly and slowly? Wait for the payment slowly?

Fuck it! Eat some sweet potatoes and rice porridge to fill your stomach. Health is the capital of revolutionary debt repayment.

Don't pretend to be smart, don't pretend to be down, and don't pretend to be upright. The rhythm of life changes with one's ups and downs. Are there any more reasonable suggestions? You can discuss it in the comments section.

I'm from into the pit. I am a real person. I am robbing Peter to pay Paul, and the interest is greater than the principal. It has been handed in for half a year. The average monthly salary is 15 thousand, excluding basic living expenses. The rest was used to pay interest ... I owed thousands at first, then tens of thousands, and the interest was paid back ... Now I think about why I didn't borrow it from my friends, but I had to borrow it ... It's tears to think about it. Warn young people not to touch this thing now ...

I have a headache when I see the word online loan. There are two black sheep in our family. One is my brother's daughter who worked in Beijing a few years ago. It stands to reason that she works in a restaurant and her salary should be in balance. Unexpectedly, she borrowed online loans from several platforms to rob Peter to pay Paul. The more she owed, the more relatives at home were also implicated. She was often harassed by phone calls or text messages, and I also helped her pay back tens of thousands. We have to pay the mortgage every month, and we can't control her. People who owe money have no truth. It stands to reason that the more money they should have, the less they should have. So far, they are still borrowing money from people. I have no choice but to hack her and let her die!

The other is my brother-in-law, who gambles online and borrows online loans. He borrowed 20,000 to 30,000 for the first time. Later, he found us and helped him return it. He earnestly told him the disadvantages of gambling. At that time, he promised not to gamble again. Unexpectedly, in March 2000, he found us again. This time, the situation is even more serious. He owes nearly140 thousand, and his brother-in-law is almost 50 years old. He is unmarried and lives with his mother-in-law. He has no money to find a way to borrow money online. My husband and I are afraid that my mother-in-law will find out that something is wrong. We thought that with so much money, my brother-in-law would learn a lesson this time and help him pay off more than130,000 gambling debts. My brother-in-law also wrote a letter of guarantee that he would never gamble again. Only the three of us knew about it, and even the elder sister-in-law didn't tell her. We thought we wouldn't tell her until her mother-in-law 100 years old. Who knows, gamblers have no integrity. We ate at my mother-in-law's house and found that my brother-in-law looked wrong. When I got home, I told my husband that he had asked my brother. At first he refused to admit it, but later he had to check his mobile phone. Only then did I admit that I owed130,000 gambling debts, which made my husband very angry. At that time, I was not at my mother-in-law's house, and my husband asked me to come and bring my bookkeeping. I can't hide it now, because I bought it for my son in June 2000. We can't afford to take care of him, so the whole family knows. My mother-in-law is so angry that people in their seventies can't eat any more. This year, the whole family didn't have a good Spring Festival. When my sister heard about it, she broke up with her brother-in-law and didn't come back for the New Year. Now she doesn't go to her mother-in-law's house. At that time, her elder sister-in-law and mother-in-law blamed us for paying our brother-in-law's debts before. My husband and I may be too angry. My husband and I are too kind to think that my brother-in-law can get rid of the bad habit of gambling. It seems that a gambler has no self-control now. He is like a ticking time bomb, and I don't know when it will explode again. So when it comes to online lending, I really hate these platforms. How many families and people have been hurt? My niece and brother-in-law have broken my heart. I have my own home. There is nothing I can do about their future. My heart is broken!

I'm overdue in September, and these two days are still calm! A few years ago, the business lost money on online loans to fill the gap. The loan has been repaid for a year, but it can't be done. After sorting out, * * * owes190,000 yuan, which is not overdue. Later, the family knew that it was returned. I was confused at that time. I should pay off the bill in one lump sum and sell my mobile phone. At that time, several accounts were cancelled, leaving only Alipay, WeChat and credit card.

If I had to choose again, I would not leave any account.

The second time is for consumption. Alipay micro-loan is the last repayment settlement, and the amount is there, and the amount is higher. Before getting married, I added a car, took a hand, brushed flowers, made a small loan, and paid the final payment for three years. At that time, my husband could earn seven or eight thousand yuan, and I could earn some, which I thought was quite good. As a result, the epidemic came for several months without income, so I relied on my husband to get some living expenses and repay the loan.

After the epidemic, everyone just went to work. Seeing that he could make money, his husband fell down. I also borrowed tens of thousands of surgery fees for treatment, and I have to borrow money to repay the loan for several months during the recovery period.

Yes, I see. I snowballed on the 9th and 1 after paying off the loan for half a year, and the last one left some cash to make a living and was forced to go ashore.

It's two days overdue and no one has come to pick it up. I have already said hello to my relatives and friends. If the collection bothers them, I will say I don't know or have no contact.

People are very relaxed, anyway, they have no face, except for a few important people, others are one-sided acquaintances.

As soon as I communicate, my friends and relatives also have my situation! Anyway, as we all know, it's not because of gambling or drug abuse, and it's not intentional not to return it. Also advise each other to be happy!

Anyway, it's a big deal to live in cash, so he can deduct the extra money from his card.

From the day I decided to go ashore, I just wanted to live to repay the kindness of helping me out of the online loan for the first time! If it's a big deal, it's not enough. Sell the house and the car!

No children, no daughters, and a better credit rating than living, which is nothing! ! ! It really doesn't matter when you have ten or three credit problems around you!