What are the ways to lure college students into being cheated by campus loans?

Some students have just made up their minds to get rid of the siege of campus loans and prepare to settle accounts ashore. They didn't expect to miss the next trap.

Experts said that this kind of "landing service" is basically "supporting loans with loans", which is not very reliable. Don't fall from one pit to another in order to repay the loan. Robbing Peter to pay Paul will never solve the problem.

On May 17, Shanghai Internet Finance Industry Association issued the "Proposal on Compliance Management of Information Intermediaries in Peer-to-Peer Lending", demanding that "routine loans", "campus loans" and "cash loans" be put an end to, with reasonable fees and standardized collection. On May 27th, Beijing Internet Finance Industry Association issued an announcement, adding complaint services such as "routine loan", "campus loan" and "usury" from now on.

Encountered "induced loan" on the road of "clearing accounts"

"Blame me me for being too greedy." Talking about the experience of online gambling, Yu Shuang began to blame himself. It's already 1 o'clock in the morning. At dawn, Yu Shuang will continue to raise money to pay off debts.

He still remembers that when he was a freshman, he first came into contact with the consumption installment and credit loan of a payment platform. At that time, he was still opening a Taobao shop, earning dozens of dollars every day.

Later, due to insufficient funds, he applied for the first online loan in Xiaomi Finance, and planned to pay it back slowly in stages. The turning point happened inadvertently, and he was exposed to online gambling. In my eyes, this is the beginning of a nightmare.

At first, Yu Shuang won a lot and paid back all the money, but later he gradually fell into a loss situation. Then, he met someone online and said that he could get a loan locally.

Yu Shuang found himself completely trapped, and he was still a college student. "The debt is about 1.5 million, and the family can't afford it. I am desperate. "

According to the statistics of Yu Shuang, there are still 8 platforms that have not repaid their loans, so they cannot apply for loans normally. The debt of 654.38+0.5 million yuan seems to be a huge stone filling up the river in front of us, which makes Yu Shuang, who is sitting on the boat, tremble and want to settle accounts and "go ashore".

More than half a month ago, he contacted Liu Jie on social media, who claimed to be able to provide landing service for student loans.

"Clearing accounts" and "going ashore" are high-frequency words in the communication of loan communities. Generally speaking, "student settlement" means that students pay off their loans and stay away from them.

"You said you were going ashore, and I'm sure I'll be the first to settle accounts." Liu Jie teaches experience through social media. But Yu Shuang wants to know, how to calculate this account? Here in Liu Jie, he didn't find a satisfactory answer.

A graphic released by Liu Jie said, "If necessary, we can provide you with large installments, emergency IOUs, credit cards and various cash withdrawals."

"Not reliable", Yu Shuang believes that Liu Jie's so-called landing can only be supported by loans.

Liu Jie was also discovered by Xu Jiawen, who worked online for one year during his college years.

Liu Jie has provided four landing modes for Xu Jiawen. The first two modes point to the whirlpool of "supporting loans with loans". 1. For large loans in Xu Jiawen, a service fee of 20% of the account (amount) will be charged; The second method is private lending, which pays a small interest every week for the first two times, followed by large installments.

Trap: Cheating money, threats, nude photos.

In addition to the intermediary that induces the loan, there are traps and scams waiting in different corners when the student group tries to settle the bill.

Like Xu Jiawen, Cecilia Han, now a sophomore, tried to find a reliable way to surf the Internet. However, two experiences made her feel cheated.

"It's private lending, taking college students ashore, taking all your information away, and then telling you to have a deposit to repay. Then all kinds of flickering, if you don't give a deposit, they don't know where the nude photos come from, and they put my ID card on P, saying that if you don't give money, they will send it to people around me. "

Cecilia Han said that he transferred them to 400 yuan for the first time, but the other party kept threatening to call his family and school. The last straw, Cecilia Han had no choice but to chop and kill each other.

Cecilia Han also contacted another self-proclaimed college student, Wang Meng, to settle accounts.

"I don't care now, and I don't watch it." Cecilia Han some helpless.

Xu Jiawen also encountered some routines. "Someone knew that you were in urgent need of money, so you gave him the information. There will be a routine later, which is to help you get it done in the afternoon. There are still a few people waiting in line. You can pay 200 yuan to help you jump the queue. After you pay the money, there are other excuses to continue to routine you. " Xu Jiawen said that after he paid the money once, he stopped playing with it and didn't fall into the trap.

Cecilia Han summed up a little experience in distinguishing whether there is cheating. "As long as the money (loan) doesn't reach you, everyone who asks you for money is a liar."

Yu Shuang believes that there is also a chain behind those who claim to provide student loan landing services. "They post information on the Internet, and then someone adds it. Just simply ask about the situation, then push it to another person, and then push it, and you will really come into contact with the lender. Nothing is reliable. "

As for the expenses, Vivian said that 300 yuan should pay 65,438+1platform, and the expenses should be paid before the operation.

"Nine times out of ten, those who pay the upfront fees are liars. Online fraud should not happen to me. " Xu Jiawen couldn't tell the authenticity of the explosion-proof system, so he didn't take action.

The document explains that operators have intelligent anti-harassment function. Generally, numbers marked too much will be recognized as high-risk calls by operators, and operators will automatically block these high-risk calls.

However, the document also pointed out that the explosion-proof effect could not reach 100%, and the situation of missing inspection was also very common. For example, the explosion-proof rate can reach 88%-90% the day before the repayment date, and 78%-90% the day before the repayment date. Neither is recommended. And after the extended protection, the explosion-proof rate can reach 70%-78%, and such extended orders are not operated. At the same time, emergency contacts, 106 short messages, flash messages, 400 calls, 95 calls and short messages cannot be intercepted.

The flash software page displayed by Xiaoxi on the social platform shows that the information to be input during protection operation includes name, ID number, mobile phone number, operator password, mobile phone IP, mobile phone serial number and protection platform name.

"I asked a friend of the operator and told him that there is no such background function. Unless the customer complains, the background will check and give evidence." Zhang Shuai, who has been engaged in credit information service for a long time, believes that some of the above-mentioned explosion-proof operations are likely to collect information, and the other part of publicity is unlikely to be realized by operators' hidden rules.

A technician of a telecom operator said that this model is fraud, and its guessing principle is whether to label the collection phone or use the operator on a large scale by manual means, which has no scientific and technological content, but

At the same time, collect user information. "Why is the success rate different at different times? It takes time to mark a lot, which is the same as marking fraudulent calls. "

Zhang Shuai said that most Android phones on the market are equipped with phone number protection software provided by 360 and sogou. When a phone call comes in, some will be marked as sales promotion, fraud and so on. "For example, he found 300 people, and then reported the number to the 360 platform and sogou platform within two or three minutes, which was marked as fraudulent phone calls on many platforms. Then, whoever calls this number again may be marked as a fraudulent call and automatically intercepted. This is a possible way for me to guess. " He said, "These three elements and the operator password are used to obtain the user's call record. I can't imagine under what circumstances this thing will be needed. This money is a bit like collecting IQ tax. "

It is said that the agent also pays the online loan, paying 6980 yuan "tuition fee" first.

The so-called apprentice is also called an agent by Cheng Xiang. First of all, he has to pay a fee to learn "technology", and then he helps others to operate loans and get paid. According to Cheng Xiang, the one-time cost of accepting an apprentice is 6980 yuan, which will teach you how to communicate with customers and how to open a loan (generally referring to the platform for issuing loans), and it will be updated free of charge later, and the money earned after graduation will be your own.

When asked whether these openings include the network staging platform and the 7 14 anti-aircraft gun platform, Cheng Xiang said, "There are openings. We give loans to others through internal channels, and the application rate is high. You can be an agent for teachers to lend money to others, you can choose online remote operation or offline operation, and generally you can charge 20% commission. For example, with a loan line of 10000 yuan, they can earn 2000 yuan. "

"We charge half (cost) for making anti-aircraft guns, which means that helping customers make anti-aircraft guns is half a point, which is 40 points." Cheng Xiang said that the anti-aircraft guns could not be returned, and they would not be credited anyway.

In order to show his credibility, Cheng Xiang took out two screenshots of the conversation, which showed the conversation records of "credit manager" and "customer" and the "student exchange group" he tutored online. In addition to acting as an agent, Cheng Xiang also said that he would recruit loan intermediaries and franchisees. "Joining is to provide a venue. The cost of providing talents to the office is relatively high; The intermediary has no technology, ten orders a month, only customers who have money and must succeed. " Cheng Xiang said that the intermediary has done enough to get two points from ten orders, so it is better to do it yourself.

Cecilia Han came into contact with the so-called earning money as an apprentice. "He said to him 1200, accept me as an apprentice, and then help me settle accounts. I didn't believe it, so I didn't do it. It is the intermediary, telling you to find someone who needs a loan to give it to him. "

The final choice: confession, negotiation and making money by yourself.

On the second day after questioning Liu Jie, Xu Jiawen confessed to his family.

Like Yu Shuang, she first came into contact with the consumption stage when she was a student. At the end of 20 17, Xu Jiawen, an off-campus intern, owed the first money for the staged music platform in order to buy a camera. "I have to say that stage music is amazing. At that time, I was a student and had no money on me. It gave me 12 thousand places. " However, Xu Jiawen believes that the relatively good thing about installment music platform is that if the loan is repaid in advance, the interest is not so high, and other short-term installment software with loans of 3,000 yuan and 6,000 yuan will be a bit pitted.

Besides staging music, Xu Jiawen also borrowed money from six or seven platforms, including you and me. According to her memory, there were two or three large platforms in the early stage and small platforms in the later stage, all for the purpose of "robbing Peter to pay Paul", and finally accumulated more than 30 thousand in arrears. I am really dead myself.

April 30th is a very tangled day for Xu Jiawen. On this day, she received a response from Liu Jie and made up her mind to confess. "Struggling all night", Xu Jiawen remembers that on May 1 day, when she told her family that she was unable to repay her debts, her mother was very excited. "My dad said that I didn't understand it before, so don't touch this kind of loan again."

Xu Jiawen finally went ashore with the support of his parents. The family helped to pay off the loan in one lump sum, and Xu Jiawen planned to give his parents some money every month.

Confession to family is the final choice for Xu Jiawen to go ashore after trying.

Compared with Xu Jiawen, Yu Shuang's landing road is more difficult and complicated.

In February this year, Yu Shuang decided to go ashore and confess to his family. He got help from his family and paid back a loan of tens of thousands of dollars. "My family was very angry and said they would break up with me, but they helped me."

However, in the face of arrears and debt collection of more than 100,000 yuan, Yu Shuang said, "The key is not to get up."

Cecilia Han doesn't intend to explain his current situation to his parents, but uses his living expenses and part-time job to make money to fill this hole. "They are all normal online lending platforms, (owing) about 18,000." In order to raise enough money to pay off her debts, she took a part-time job as soon as she finished class, with a monthly salary of 3,000 yuan and living expenses of 2,000 yuan.

Regarding the problem of students paying off campus loans, Cecilia Han felt that he had to stop borrowing, confess to his family, cancel his account and make money by himself.

(Note: All the interviewees in this article are pseudonyms. )

Expert: "Never fall from one pit to another in order to repay the loan in a hurry."

"The negative impact of campus loans on students is still vivid, from high debts and pain to threats to personal safety and even loss of life. If you owe money, you have to pay it back. In order to pay back the money, students are overwhelmed by the so-called' landing'. As a result, this desire to' go ashore' has created some businesses that provide ashore services. It should be said that' there is business where there is a market'. " Xiaosa believes that as far as the information we have seen so far is concerned, the quality and credibility of the "landing service" are in doubt and the reliability cannot be guaranteed. "We must remind everyone not to fall from one pit to another in order to pay off the loan in a hurry. In the end, you will only harm yourself."

In Xiaosa's view, this kind of "landing service" is basically "supporting loans with loans", which is unreliable and even just a cover for swindlers to cheat money. In the news related to "supporting loans with loans", some young people choose one platform to borrow money and use another platform to repay it, so as to maintain a superficial daily life. Once one of the platforms closes down, it may panic and take the road of no return; And if you borrow money from an informal platform, the loan will snowball, and eventually you will be burdened with huge debts that you cannot repay. In addition, many people are afraid that their families will know at first, but they are forced to confess to their families until they can't hold on, or their families know, which may have caused tragedy.

"So, the market for' landing service' came. But think about it, how can so many good people lend you money for no reason? Their purpose is to make money. If they are not careful, they may hit a wall. Robbing Peter to pay Paul will never solve the problem. If you can't repay on the platform, the best way is to stop loss in time, stop borrowing, make money hard and try to get credit first. Don't think about crooked ways to fill a big hole. The greater the final compensation, the more losses. " Xiao Wei said.

She suggested that in order to avoid debt, students should establish a correct concept of consumption and spend according to their own economic ability. "In order to buy expensive cosmetics, bags, high-end electronic products or other things to satisfy vanity, I finally buried myself in a big pit, and it was too late to regret it. If something similar happens, we can only calmly deal with it and use legal weapons to protect ourselves. Loans with interest rates over 36% are not protected by law and need not be repaid. If you encounter violence, soft violence, etc. In the process of collection, you can choose to call the police. In short, advocate rational consumption, do what you can, and be wary of the' landing' trap. "

Related Q&A: Is the lender stable during the process of 360 bill bank lending? Since 360-note was put on the market again, many people began to borrow money from it, and many people submitted applications for loans to remind them to lend. So is 360-note lending stable? Today, I will explain to the experts to see if the 360 loan is still not repaid. Interested friends can learn about it. 1, 360 Is it stable in lending? In the 360 loan, it only shows that the premise of user credit is suitable for the requirements of finding loans, and it has passed the preliminary examination of the system, but the disagreement will be very stable. For example, the loan may fail in the following circumstances. 1. The limit of the current day has been used up: effective households will remind them that the limit of the current day has been used up when the loan is expected. Even in this environment, even if there is not enough loan amount on that day, the application should be resubmitted. What the hell? As a result, the daily loan amount of 360 IOUs is limited and the hand is slow. Second, it needs to be re-examined: the progress of another user's loan application, which was originally shown as being in the process of lending, later became an application. It is clear that the system needs to re-examine the user's credit premise. Most of the funds that were originally matched have stopped lending, and re-matching may lead to an incomplete audit environment. Third, there is something wrong with the bank card: 360 debit card is lent to the provided bank card. If the bank card has been loaned, but the status of the bank card is abnormal, such as being frozen or reporting the loss, it is impossible to successfully take over the loan and the money will be returned the same way. 2. Will it be rejected? The above situation symbolizes that even if the loan is granted, it may be rejected. For this reason, it is best for borrowers to beg for loans under the premise of excellent credit premise and sufficient quota, and ensure that the bank card is in normal condition. The above is the introduction of "whether the 360 loan is stable", and I hope it will help everyone.