Son platform more than 100,000 debt borrowing: 52 years old father work site for the sons debt-borrowing, debt-IT information
You can plot points, Germany, an ID card can loan money, because you did not know how many families to ruin.
--Peng Binhua son from school loans loans multiple times, he now felt powerless.
On December 15, 52, Peng Binhua find a piece in a pile of steel pipe, mechanically under a cutting machine. He cut 100 steel, can earn 30 yuan, earning around 2000 Yuan a month.
In a vocational school in Changsha, 10 km away, his 20 year old son Jun Peng (a pseudonym) platform in more than more than 10 borrowing loan, principal and interest add up to more than 100,000 yuan. In November last year and September this year, Peng Binhua trying to give his son has also lost about 80,000 yuan.
"I really can't do without. "On December 15, Peng Binhua lending platform personnel received collection calls again.
Unable to help repay the weakness, is reviled by debt collection of angry, disappointed to his son, his remorse ... ... Everything fell on him.
Sudden loans
Looking for a loan for his son and relatives or the first debt
"See this, Zhejiang, Beijing field number, I know it's collection. "On December 15, in a building materials warehouse in huangxing town, Changsha County, clothes are covered with loess Peng Binhua off the same yellow gloves, pulled out a cell phone said.
These frequent reminder phone call, was the son because he owes more than campus credits.
Peng Binhua was Xinhua County, loudi and original work in Liuyang, a mining company. After the reform, he became unemployed workers, and later in Liuyang, a blasting company as custodian. Earlier this year he began working cousin to Guizhou's site. Today, a warehouse on the Huang He cut of steel pipe scaffold.
Peng Binhua years an important reason for travel, his son was at school. A few years ago, he and his wife divorced, son gave him. In order to let the children go to school in Changsha, where he can only seek to get more money. Two years ago, my son graduated from high school last in a vocational and technical school. Peng Binhua thought son after graduation, his burden is light.
Last November, Peng Binhua got son Jun Peng calls, said he "owed loan sharks", Peng Binhua back to deal with. Peng Binhua hurriedly rushed to the Changsha.
Jun Peng usually lived with his grandmother in Changsha, brother-in-law of a House. Peng Binhua asked until Jun Peng on multiple online lending platform on the borrowed money is not.
"He said there are more than 20,000 pieces. "Peng Binhua said that although very angry, but is afraid of his son affected, Jun Peng's cousin, was on loan to 19,000 yuan for the debt.
Also all of the debt
Son written guarantee, he thought I was okay
In September this year, has worked to Guizhou Peng Binhua, got a call from MOM and Jun Peng, wanted him back as soon as possible. "He has borrowed money or not, you don't want to live. "Jun Peng said the mother on the phone. Peng Binhua and cousin overnight by rail back to Changsha.
After questioning, Jun Peng in various online lending platform is listed on all the money for more than 50,000.
"So incredible. "Peng Binhua completely broke, he remitted to son about 1500 Yuan a month in living expenses, if you want to buy clothes or other products in addition to. Why would he think of a son to spend so much money.
Peng Binhua found in his son's class teacher, also called relatives in the family, his son signed an agreement and promised not to borrow money from online lending platform. Meanwhile, his brother-in-law borrowed 30,000 yuan Jun Peng, they took more than 10,000 yuan from the Bank and put it in the bank card used for payments.
Peng Binhua and relatives thought things over. In October this year, however, he began to receive more than one lending platform called him with field number phone and sent a text message, and let him "son", and accompanied by a very vulgar threats and verbal abuse.
When Peng Binhua started dial-a-Jun Peng, Jun Peng said these people are liars, but as more and more calls and text messages, Peng Binhua feel is not so simple.
On December 3, Peng Binhua repeatedly pressed, Jun Peng admitted that their money without end. Peng Binhua are no longer endure, Jun Peng turned out of the House.
After that, and then receiving collection calls, Peng Binhua can offer you your own position, let the person come to him, "you put me away."
Too easy money
Starting from junior high school, just enjoy the feeling of envy
On December 5, the reporter met Jun Peng near the school. He dressed in casual clothes, a pair of headphones in ear, a new cell phone in his hand. Just got into the car, Jun Peng received a call from a collection of online lending platform.
Jun Peng said that their contact network's loans in the second half of 2014, when he had just enrolled soon, completely out of the constraints of the parent for the first time and start enjoying free life on campus. Soon after, he happened to see a motorcycle, not enough money advertising platform, he saw a loan installment, he only paid 800 Yuan deposit each month to 226 in the next 12 months.
"Think of each month as long as more than more than 200, was able to afford. "Jun Peng said that after that, they have several" campus loans "agent friend, borrowed some money.
Jun Peng read in junior high school, and even in the class a "rich man". "My mom owes me, always give me money. "Jun Peng said in the high three o'clock, my father had bought him a pair of Nike shoes, he wore to class, some students cast envious eyes," I like the feeling. ”
After college, "loyal" Jun Peng, usually students go out and play as long as he have money in their hands, it will pay to treat.
More rolling big snowballs
Do not want to let his girlfriend down, and loans
In the winter break at the end of the first semester at the University, met a female classmate Jun Peng, and soon developed into a romantic relationship. "I wanted her to be a little better. "Jun Peng said girlfriend loves shopping for clothes and cosmetics, he further expansion of consumption, the original repayment plan is to finish on time each month.
"Girlfriend ask me where it came from, I said to my mother. "Jun Peng said most times when the balance on your PayPal, the girlfriend will be very happy, and when you have little money, my girlfriend said" we scrimp and save a little. " Jun Peng does not like girl sense of loss, girlfriend of the tourism idea, he immediately borrowed thousands of Yuan from the net lending platform.
In order to fill the growing funding gap, he begins to search the mobile application platform software of all kinds of loans, "robbing Peter to pay Paul." This threshold is very low for student loan platform, can be easily provided with ID cards and student information on thousands of Yuan loans. According to his own estimates, he in school loan, excellent staging, red loans loans loans on more than 10 kinds of platforms.
How much money he borrowed, he is not very clear. In the case of overdue interest and interest roll, Jun Peng frequently received threatening phone calls from loan platform personnel. Dunning also found his family, classmates and his girlfriend. But when Peng Binhua helped him pay for the first and second time, and he did not tell the real number of outstanding family.
Jun Peng said on behalf of his father the second time when the repayment, he retained 20,000 yuan of debts to prepare themselves. After that, he borrowed 10,000 yuan from students or so, is still owed a total of thirty thousand or forty thousand Yuan. In his class, and another classmate was also borrowed from the online lending platform on tens of thousands of Yuan.
Jun Peng said that graduation is approaching, just want to go out and do a few months hard labour, first pay off the debt, but he has no clue where.
"I have no idea. "The news of her son from thousands of tens of thousands of Yuan in arrears, Peng Binhua seem a bit hysterical, when he did not know whether the debt can also fall.
Calm down Peng Binhua said, hope that other parents will pay attention to (campus credits) this. Campus credits, Peng Binhua said, "can you guys point de, an ID card can loan money, because you did not know how many families to ruin. ”
儿子欠债借贷平台10余万：52岁父亲工地打工替儿子还债 - 借贷,还债 - IT资讯
你们能不能积点德，一张身份证就可以贷款，还不知道有多少家庭因为你们要倾家荡产。
——彭彬华的儿子多次从校园贷平台贷款，如今他感到无力。
12月15日，52岁的彭彬华在一堆钢管中抽出一根，机械地放在切割机下。他每割100根钢管，能够挣到30元，一个月能赚2000元左右。
在10公里外的长沙一个职业院校里，他20岁的儿子彭军(化名)曾在10多个借贷平台借款，本息加起来超过10万元。在去年11月和今年9月，彭彬华想办法给儿子先后还掉了约8万元。
“我真的一点办法没有了。”12月15日，彭彬华再次收到了借贷平台人员的催款电话。
无法帮儿还贷的无力，被追债人辱骂时的愤怒，对儿子的失望，对自己的自责……统统压在了他身上。
突如其来的贷款
找亲戚借款为儿子还了第一笔债
“一看到这种浙江、北京来的外地号码，我就知道是催款的。”12月15日，在长沙县黄兴镇一个建筑材料仓库内，衣服上满是黄土的彭彬华脱掉同样泛黄的手套，掏出手机说。
这些催款电话频频打来，是因为他儿子欠了多笔校园贷。
彭彬华是娄底新化人，原来在浏阳一家矿业公司上班。单位改制后，他成了下岗工人，后来又在浏阳一家爆破公司担任保管员。今年初他开始跟着老表到贵州的一个工地上做事。如今，他在黄兴镇上的一个仓库切割脚手架用的钢管。
彭彬华长年在外奔波的重要原因，是他儿子还在上学。几年前，他和妻子离异，儿子判给了他。为了能让孩子在长沙上学，他只能寻求能拿到更多工钱的地方。两年前，儿子高中毕业后进了一所职业技术学院读书。彭彬华本以为等儿子毕业后，自己身上的担子可以轻一些了。
去年11月份，彭彬华突然接到儿子彭军电话，说自己“欠了高利贷”，让彭彬华回来处理。彭彬华赶紧赶到了长沙。
彭军平时和奶奶一起居住在大伯家长沙的一套房子里。彭彬华一问，才知道彭军在多个网贷平台上借了钱还不上了。
“他说有两万多块。”彭彬华说，自己虽然很生气，但还是怕儿子受到影响，于是向彭军的堂姐借了一万九千元用于还债。
还不清的债务
儿子写下保证书，他还以为没事了
今年9月份，已经到贵州打工的彭彬华又接到了彭军妈妈的电话，要他赶快回来。“他借了钱还不上，自己都不想活了。”彭军妈妈在电话中说。彭彬华和老表又连夜坐高铁赶回了长沙。
经过盘问，彭军列出了在各个网贷平台上所有的钱，足足有5万多。
“太不可思议了。”彭彬华彻底爆发了，他每个月汇给儿子1500元左右的生活费，如果要买衣服或者其他用品还会另外给。他想不出儿子为何会花这么多钱。
彭彬华找到了儿子的班主任，还召集了家里的亲属，让儿子签署了一份协议书，保证以后不再向网贷平台借钱。同时，他向彭军的大伯借了3万元，自己从银行取出1万多元，一起存到银行卡内用于还贷。
彭彬华和亲属曾认为事情结束了。然而到今年10月份，他陆续接到了多个贷款平台用外地号码给他打来电话和发来短信，让他“给儿子还钱”，并伴随着极其粗俗的威胁和辱骂。
彭彬华开始打电话问彭军时，彭军还说这些人是骗子，但随着电话和短信越来越多，彭彬华觉得没有那么简单。
12月3日，彭彬华再三逼问下，彭军承认，自己还有钱没有还完。彭彬华再也无可忍受，将彭军赶出了家门。
在这之后，再接到催款电话，彭彬华只能报上自己的位置，让对方来找他，“你把我押走吧”。
来得太容易的钱
从初中起，就很享受被羡慕的感觉
12月5日，记者学校附近约见了彭军。他穿着一身休闲装，耳朵里塞着一对耳机，手里拿着崭新的手机。刚坐上车，彭军就接到了一个网贷平台的催款电话。
彭军说，自己接触网络贷款是在2014年的下半年，那时候他刚刚入学不久，第一次彻底脱离家长的约束，开始享受校园的自由生活。不久后，他偶然看上了一辆摩托车，钱不够的他看到了一个贷款平台分期付款的广告，他只需付800元的首付，以后12个月每个月还款226元。
“当时想着每个月只要还200多，还是能够承受得起。”彭军说，在这之后，自己有几个从事“校园贷款”代理的朋友，又贷了几笔款。
其实彭军读初中时，在班上就算个“有钱人”。“我妈妈觉得亏欠我，经常会给我钱。”彭军说，在高三时，爸爸曾经给他买了一双耐克鞋，他穿到班上，一些同学都投来羡慕的眼光，“我喜欢这种感觉。”
读大学后，“比较讲义气”的彭军，平时同学出去玩，他只要手里有钱，就会请客买单。
越滚越大的雪球
不想让女友失落，悄悄多处贷款
在大学第一学期期末寒假时，彭军认识了一位女同学，并很快发展为恋人关系。“我想让她过得好一点。”彭军说，女友喜欢逛街买衣服和化妆品，他的消费进一步扩大，原来每个月按时还款的计划根本完不成。
“女朋友问我钱哪里来的，我就说是我妈给的。”彭军说，当自己支付宝里的余额很多时，女友便会很高兴，而自己没什么钱时，女友会说“我们省吃俭用一点吧”。彭军不喜欢女友失落的感觉，女友提出旅游想法，他立即又从网贷平台上借了几千元。
为了填补越来越大的资金空白，他开始在手机应用平台上搜索各种贷款软件，“拆东墙补西墙”。这种针对学生的贷款平台门槛很低，只要凭借身份证和学生信息就可以轻松贷款数千元。据他自己估算，他一共在名校贷、优分期、贷贷红等10多种平台上贷款。
他究竟借了多少钱，自己都不是太清楚。在逾期并且息滚息的情况下，彭军频繁收到贷款平台人员的威胁电话。追债人还找到了他的家人、同学和女友。但在彭彬华第一次和第二次帮他还款时，他都没有把真实的欠款数目告诉家人。
彭军说，在爸爸第二次替他还款时，他还保留了两万元左右的债务准备自己还。在这之后，他又向同学借了一万元左右，目前还总共欠款三四万元。在他的班上，还有另外一个同学也从网贷平台上借了数万元。
彭军说，自己毕业在即，先想出去做几个月苦力，先把债还清了，但究竟去哪儿他还没有头绪。
“我已经没有办法了。”听到儿子欠款数目从几千又变成几万元，彭彬华显得有些歇斯底里，他不知道这笔债究竟何时能还掉。
冷静下来的彭彬华说，希望其他家长也要注意(校园贷)这个事。对于校园贷，彭彬华说，“你们能不能积点德，一张身份证就可以贷款，还不知道有多少家庭因为你们要倾家荡产。”