Chinese College students borrowing just to play the game: had borrowed 50,000 more than 100,000 yuan-IT information
A few days ago, qixia district people's court hearing was a bizarre case of borrowing. Plaintiffs and defendants know each other, the plaintiff, Zhang was carrying a 30,000 yuan in IOU money the defendant. Xiao Li is the name of the accused, a junior this signed his name and by the hand of the ious, his grievance, firmly request identification to prove their own innocence. But for this case, Li unworthy parents, admits he got into this lawsuit, because he had to play games online with people borrowed 50,000 yuan, and parents even with interest by more than 100,000. He said: "I never thought, finally paid off, and now puzzling out a pen, felt that this money was not finished. ”
To borrow $30,000 plaintiffs and defendants know each other
During the hearing, this 30,000 worth of ious issued by Zhang, he said, on July 11 this year, Hu on his friend's introduction, knowing Xiao Li borrowed 30,000 yuan in tourism, even though he and Lee did not know each other, but under the friend, he borrowed the money. To trade with both sides on a car, the car stopped at a small roadside near Lees when he gave cash, agreed to the end of July, and interest according to the calculation of interest on earlier loans.
In order to prove their source of cash, Hu stressed, this 30,000 dollars from a project, a project owner who owed him 100,000 yuan wages, to this end, they also went to the police station, under the mediation of the police, and only gave him the money. During the hearing, this IOU issued by Zhang, in addition to the borrower, loan amounts, and other key information with vacancies, the remaining contents are printed well in advance, the other parties will default on payments agreed for every 3%. In other words, if extended repayment, Stacey day 900 Yuan Zhang to pay liquidated damages.
Zhang said, Lee denied. "I don't know Zhang, the IOU is not written by me, the above names, fingerprints, is not my, name is not a sign, fingerprint is not me, I didn't take Zhang 30,000 dollars. "In order to prove what they say is true, Lee applied for identification of the IOU. IOU authenticity needs further confirmation, after 1 hour trial in temporary recess.
Playing games by 50,000 or more than 100,000
After the trial, Li told reporters in an interview. For this case, he said he was being cheated, but ultimately was to blame himself.
Li said that early this year, he is obsessed with playing online games, but these games are not free of charge, and to invest a lot of money. In order to play the game, he introduced the class, loan application through the network, a company has to borrow $50,000 yuan for gaming expenditure. "I just borrowed a 3000 Yuan for the first time, were soon made, they did not mention interest thing. Then the next time I want to borrow 10,000 yuan, taking the money, the person asked me to write to borrow $16,000 worth of ious, and they deducted fees, into my hand only 8000 Yuan. I borrowed a total of 50,000 yuan to them back and forth, then left without money, they find my house. Because of this thing, my family has a total of more than 100,000 yuan for them. "Xiao Li says, because the things you borrow money to play online games, after the family paid more than 100,000 yuan, also has been affected by other calls, asking him to return the money, even in front of his house paint.
"I think that is caught in a ' no money '. Internet money looks like a very simple, submit your application online, then money on the card, or to the other company will be able to take the money. But this is a bottomless pit, hope that their peers not just like me! "Xiao Li said he now regretted very much, feel sorry for my family, hope the identification of his innocence. Meanwhile, he also hoped that more students are playing the game can learn his lesson, away from the game, away from the loan. (Characters in the alias)
Further reading
College student borrowing caused by frequent disputes
Nude loans, school loans, loan-sharking ... ... For now, frequent occurrence of disputes raised by the College student borrowing, even rising to criminal cases, has aroused public concern about school loans. Campus loans was mixed, college students and loan companies are in the wrong position, not only prone to disputes, or even be transformed into criminal cases.
Recently, qixia district, Nanjing City Bureau of Justice joint xianlin street people's mediation committees, in-depth xianlin University City Campus, on the issue of college student loan dispute related survey activities. According to the survey, school loan interest rates high, people staggering, college students are well educated but lack social experience, gullible.
Similar to borrowing this grey area, students should consciously stay away. Common routine is: some loan companies are not even registered in the industrial and commercial sector, is not legal. When you ask lenders for a loan, loan companies will charge you a fee, many lenders have used this means to make money lending were deceived by college students.
Followed by secondary loan receipt. Loans company will write a receipt becomes the second loan. College students borrowed 50,000 yuan to the lending company, return, lenders wrote a receipt, the two sides signed, the results a few days later, found the student loans company, claims that this is his second IOU signed by certificate. This tells us that in establishing borrowing relationships, be sure to carefully write a promissory note or contract, do not give others the chance to exploit.
Not only that, but these loans, there is a dangerous tendency, it's campus development loan referrals, which amounted to a pyramid of people occupation, although gravity is different, but the essence is the same, not only harms himself, and will kill more students.
中国大学生网络借款只为玩游戏：曾借五万还十多万元 - IT资讯
日前，栖霞区人民法院开庭审理了一起离奇的借款纠纷案。原被告互不相识，原告张军却手持一张3万元的借条要求被告还钱。被告小李是名大三学生，面对这张签了他的名字并按了手印的借条，他无比委屈，坚定地要求做鉴定来证明自己的清白。但对于这场诉讼，小李愧对于父母，他坦言，之所以惹上这场官司，是因为他曾为了玩游戏在网上跟人借了5万元，而父母为他连本带利还了10多万。他说：“我万万没想到，好不容易还清了那笔，现在又莫名其妙多出了一笔，感觉这钱是还不完了。”
借款三万原被告却互不相识
庭审中，张军出具了这张三万元的借条，他说，今年7月11日，他在朋友胡某的介绍下，知道了小李要借三万元用于旅游一事，尽管他与小李并不相识，但在朋友介绍下，他还是借了这笔钱。双方是在胡某车内进行交易的，车子就停在小李家附近的路边，当时他给的是现金，双方约定7月底还钱，利息按同期贷款利息计算。
为了证明自己的现金来源，胡某强调，这三万块钱来自一笔工程款，当时一个工程老板欠他10万元工钱，为此，双方还闹到了派出所，在民警调解下，老板才给了他这笔钱。庭审中，张军出具的这张借条，除借款人、借款金额等关键信息留有空缺外，其余内容均事先打印好了，另外双方将违约金约定为每天3%。也就是说，如果超期还款，小李每天需要支付张军违约金900元。
对于张军所说，小李全盘否认。“我不认识张军，这张借条也不是我写的，上面的名字、手印，都不是我的，名字不是我签的，手印也不是我按的，我根本就没有借过张军三万块钱。”为了证明自己所说属实，小李申请对这张借条进行鉴定。因借条的真实性需进一步确认，庭审在进行了1个多小时后暂时休庭。
为打游戏借五万还了十多万
庭审后，小李接受了记者的采访。对于这场官司的发生，他说自己被人给坑了，但最终还是要怪他自己。
小李说，今年初，他迷上了玩网络游戏，但这些游戏并不是免费的，而要投入大量的资金。为了玩游戏，他在同学介绍下，通过网络申请借款，向一家公司先后借款5万元用于游戏支出。“第一次我只借了3000元，当时很快就还上了，对方也没有提利息的事情。后来第二次我想借1万元，拿钱时对方让我写借款1.6万元的借条，另外他们还扣了什么手续费，到我手里只有8000元。前前后后我向他们一共借了5万元，后来没有钱还，他们找到我家里来了。因为这件事情，我家人一共还了10多万元给他们。”小李说，因为自己网上借钱玩游戏的事情，家里人付出了10多万元后，还一直受到对方的电话骚扰，要求他还钱，甚至在他家门口泼油漆。
“我觉得我这是遇上了‘还不清的钱’。网上借钱看起来好像很简单，网上提交个申请，然后就有钱打到卡上，或者到对方公司就能拿钱了。但是这是个无底洞，希望同龄人千万不要跟我一样！”小李说，他现在非常后悔，觉得对不起家人，希望鉴定能还他清白。同时，他也希望更多正在玩游戏的学生能吸取他的教训，远离游戏，远离借贷。(文中人物系化名)
延伸阅读
大学生借贷引发的纠纷频发
裸贷、校园贷、高利贷……眼下，由大学生借贷引发的纠纷频频发生，甚至上升为刑事案件，引起了公众对于校园借贷的关注。而校园借贷鱼龙混杂，大学生与借贷公司双方处于不对等地位，不仅容易引发矛盾纠纷，甚至可能转化为刑事案件。
近日，南京市栖霞区司法局联合仙林街道人民调解委员会，深入仙林大学城校区，开展关于大学生借贷纠纷相关问题的专项调查活动。通过调查发现，校园贷的利率之高，让人咋舌，大学生虽受过良好的教育却缺乏社会经验，容易上当受骗。
类似于民间借贷这种灰色地带，大学生应当自觉远离。常用的套路是：有些借贷公司甚至都没有在工商部门登记注册，是不合法的。在找借贷公司借钱的时候，借贷公司会收取一笔费用，很多贷款公司都用这种先交钱后放款的手段让大学生上当受骗。
其次是收条变二次借款。借贷公司将自己所写的收条变为二次借款。如大学生向借贷公司借款5万元，如期归还时，借贷公司写了一张收条，双方签字画押，结果几日后，借贷公司找到该学生，声称这是他签署的第二份借条凭证。这告诉我们，在建立民间借贷关系时，一定要仔细写借条或合同，不要给对方钻空子的机会。
不仅如此，在这些校园贷中，还存在着一个危险的倾向，那就是大学校园贷发展下线，这种行为无异于传销组织拉人入伙，虽然情节严重程度不一样，但本质是相同的，不仅害了自己，还会害了更多的同学。