Personal information use by students, 18 students "are loans" more than 500,000 yuan-personal information, college student loans-IT information
Recently, Hunan 18 college students found that "loan" of more than 500,000 yuan, and use their personal loan of Hunan University of Arts and Sciences senior student Huang Shuai. On September 30, Huang Shuai's father found the school, says son is adult, will assume the corresponding responsibility, their inability to pay for him.
Identities were lent to several loans
Yesterday afternoon, one of the students involved xiaosang (not his real name) told reporters that Huang Shuai had used his personal information in 8, credit loans on a platform, so far, there are still 37,000 Yuan has not been repaid.
According to xiaosang memories, September 2015, Huang Shuai said enough money, offered to take thousands of Yuan, xiaosang said not enough cash, Huang Shuai advanced loan is available on online lending platform. "I have not used online lending platform, but at the time he had more than 1000 Yuan a month's living expenses, I think he must have it. "So, xiaosang accepted the handsome Huang's proposals.
According to the platform, take a small Sang Xu handheld ID card front view this photograph, student ID card and bank card information uploaded to the online lending platform, will be able to successfully complete the registration.
"Lending platform quickly, it may arrive in a few minutes after submitting an application. "Loans to a platform-bound bank cards, small sang through payment platform will be transferred to Huang Shuai, Huang Shuai monthly instalments.
The following year, Huang Shuai xiaosang register on 8 platform and made several loans, at least hundreds of and many tens of thousands. "He left in an ' elite credit ' credits on 15,000, platforms require I recorded a video upload, state your name, school, loan amount, number of phases, information such as the time of repayment. ”
Xiaosang said the high interest on multiple platforms, one in the "money meter" borrowed 1000 Yuan a month later produced 635 Yuan of interest at the time of repayment. "If late payments, breach of many", once Huang Shuai payments only 3 days late, it produced 49 penalty and maximum default for more than 20 days.
"Sometimes he loan will not notice me, he told me that I just received money for his bank card on the line. "Xiaosang said that Huang Shuai short repayment time is 1 month and longer then 3 years. First half of 2016 small Sang Cai learned that Huang shuai use multiple student loans, is owed a hundred thousand of Yuan. "Then he found me a loan, repayment is to, is to rob Peter to pay Paul. ”
Borrow money without stint
Wang Zheng (not his real name) said that last October, his friend Huang Shuai said he would use his personal information to register the loan APP users and loans. Wang Zheng, later learned that Huang Shuai to borrow money is to online gambling. Huang Shuai Wang Zheng personal information in more than more than 10 loans on the platform more than more than 50,000 yuan. Wang Zheng said continued to lend Huang Shuai in the hope that he can turn over, and put the money back.
Wang Zheng said this summer, and yellow when staying with handsome, received multiple reminder text messages urging Huang Shuai repayment, but Huang Shuai said what worried, overdue fine.
"His life of luxury. "Xiaosang, said Huang Shuai loved to buy expensive brand-name clothes and shoes," a short sleeves are better than hundreds of, hear classmates say, he bought new clothes, just throw away the old clothes. "Huang Shuai has assembled desktop computer and iPad. "Last semester, he lived in outside the star hotel, day rate will be about more than 200 now. "Huang Shuai Hotel later moved out, they rented a two-bedroom house outside.
Xiaosang parents know this matter, had contact with all lending platform, high hopes may be exempted from interest. Xiaosang, the platform says it is conducting investigations on related, have not yet responded.
Debt run 570,000 workers pay
On September 30, Huang Shuai notified father came to the school. Reply to father, Huang shuai debt dispute, decided that from October 1, let it drop out of the school. At that moment, everybody knew, Huang Shuai had 18 students identity loan, debt 570,000. In addition, Huang Shuai said that also had online through loan sharking, then I start net credit loans, their debts more than 70,000 yuan.
On October 4, the xiaosang, together with 5 students, solutions in consultation with Huang Shuai and his father, but Huang Fu Huang Shuai had to be adults, should own the debt, and refused to sign the ious. Huang shuai with 6 students after the ious, States two of which will be paid off in 5 years student loan within 10 years to pay off another 4 student loans. Subsequently, Huang Shuai went overseas, working to pay off the debt. Last night, the reporter contacted the yellow parent, that they were unable to pay for his son.
个人信息被同学利用，18名大学生“被贷款”50余万元 - 个人信息,大学生,贷款 - IT资讯
近日，湖南18名大学生发现“被贷款”50余万元，而利用他们个人信息贷款的是湖南文理学院大四学生黄帅。9月30日，黄帅的父亲找到学校，称儿子已成年，会承担相应责任，自己无力替他还钱。
身份信息被借去多次贷款
昨天下午，涉事大学生之一小桑（化名）告诉记者，黄帅曾用他的个人信息分别在8个网贷平台上贷款，到目前为止，仍有3.7万元尚未还清。
据小桑回忆，2015年9月，黄帅称钱不够花，提出要借几千元，小桑表示没有足够的现金，黄帅便提出可以用网贷平台进行贷款。“我没用过网贷平台，但是当时他每月有1000多元的生活费，我觉得他肯定还得上。”于是，小桑接受了黄帅的提议。
根据平台要求，小桑须手持身份证拍摄一张正面照，将此照片、学生证及银行卡信息上传至网贷平台，便可成功完成注册。
“平台放款速度很快，提交申请后几分钟便可到账。”贷款发放到与平台绑定的银行卡后，小桑通过支付平台将钱转给黄帅，黄帅再每月进行分期还款。
其后一年，黄帅前后让小桑在8个平台上进行注册并多次贷款，少则几百，多则上万。“有一次他要在‘名校贷’上贷1.5万，平台还需要我录一段视频上传，说明自己的姓名、所在学校、借款金额、分期数、还款时间等信息。”
小桑称，多个平台利息高昂，一次在“钱米”借款1000元，一个月后还款时已经产生了635元的利息。“如果逾期还款，违约金也很多”，有一次黄帅还款逾期仅3天，便产生了49元的违约金，而他最长违约时间达到20多天。
“有时他贷款并不会提前通知我，他跟我说我只要把银行卡收到的钱打给他就行了。”小桑说，黄帅还款时间短则1个月，长则3年。2016年上半年，小桑才得知，黄帅使用了多个同学的身份贷款，已欠款十几万元。“后来他多次找我贷款，都是要还款，就是拆东墙补西墙。”
借钱者花钱毫不吝惜
王铮（化名）说，去年10月份，好友黄帅说要用他的个人信息去注册贷款APP的用户，并进行贷款。王铮表示，后来才知道黄帅借钱是为了网上赌博。黄帅利用王铮个人信息在10多个贷款平台上贷了5万多元。王铮说，之所以继续借钱给黄帅，是希望他能翻身，把钱赢回来。
王铮称，今年暑假，和黄帅待在一起时，收到过多次催款短信，于是催促黄帅还款，但黄帅说急什么急，逾期了也没事。
“他生活挺奢侈的。”小桑称，黄帅爱买昂贵的名牌衣服和鞋子，“一件短袖都要好几百，听同学说，他买了新衣服之后，就把旧衣服扔掉。”黄帅有台组装的台式电脑和iPad。“上学期，他几乎都住在校外的星级宾馆，一天房费大概200多吧。”后来黄帅自宾馆搬出后，便在校外租了一套两室一厅的房子。
小桑父母得知此事后，曾与各贷款平台联系，希望可以免除高昂利息。小桑表示，平台称正就相关情况进行调查，尚未答复。
背债57万出走打工还账
9月30日，黄帅父亲接到通知来到学校。学校告知黄父，因黄帅存在债务纠纷，学校决定从10月1日起让其休学。此时，大家才得知，黄帅曾以18名同学的身份贷款，欠债57万。此外，黄帅称还曾在线下借有高利贷，后来才开始在网贷平台贷款，自己还欠债7万余元。
10月4日，小桑与5名同学一起，与黄帅及其父亲协商解决方案，但黄父称黄帅已是成年人，应自己承担所欠债务，并拒绝在欠条上签字。后黄帅与6名同学分别打了欠条，写明会于5年内还清其中两名同学的贷款，于10年内还清另外4名同学的贷款。随后，黄帅便去往外地，打工来偿还债务。昨晚，记者联系上黄父，其表示无力为儿子偿还欠款。