Female college student loan network 2000, after 3 months of a 110,000-net loans, loans-IT information
For immediate needs, and on December 30 last year, 20, a College sophomore in Guangzhou Phillips (not his real name) lending platform "51 short take" by 2000. She promises to the other party to pay off within a week, week card up to a staggering 30%.
A week later, however, she failed to timely repayment, the lender told her she could borrow platform "to borrow this" continued borrowing interest payments in this way, in a short span of three months, she was "robbing Peter to pay Paul", even the Chinese new year lucky, tuition fees were used to repayment on but could not.
In order to return the money, she even skipped classes to work. The end of February this year, already has more than 20,000 yuan after her arrears from 2000 Yuan into stunning more than 110,000 yuan , it is unable to pay after, she finally told her parents the truth, to the media for help.
Phillips through this loan to borrow a total of more than 420,000 yuan, as of press time, the system shows she has not paid off, with more than 110,000 yuan.
Lending platform shows that Phillips now has amounted to more than 110,000.
Take interest after 2000 found that week 30%
Starting from the end of 2015, Phillips touched the net credit, when she attempts to net loans, are also on loan. "That was some normal platforms, interest rate is not very high. "In December 2016, just short of a sum of money, she once again came up with net credit, but at this point some of the people I know in the QQ will pull her into a" deep ": the month, her" 51 short take "take on the 2000 Yuan, thought is also cheap, did not expect to borrow after that, she was dumbfounded.
"They had good propaganda in QQ groups, even black can borrow, and out of time. Unexpectedly, I take up only after being told that paid off in a week, weekly interest income 30%. "It means, she will repay 2600 Yuan in a week . As virtually no source of income the students, how to guarantee repayment? Phillips told reporters that borrow money from each other in the former, she was asked to provide personally identifiable information, school information, parent contact and phone contact information .
A week later, Phillips still no money on hand, tell her that interest can also renew, that is just 600 Yuan of interest, and can take a week, but need to play on the platform "ious "; and she also can borrow money from other people.
Robbing Peter to pay Paul
Borrowed 1000 Yuan for 1000 Yuan.
For payments and is not overdue, Fei in accordance with the guidelines begin borrowing: borrowing from another person to fill an interest on; when the two overdue, asked a third take ... ... By the end of February, she had to borrow money from more than 20 people, borrowed a total of more than 100,000 yuan .
And and first times borrow not as of is, behind of borrow are is in a paragraph name for "this take to" of platform through also of way take out, and borrowing of way is remains week card 30%, but each borrowing Hou needed in the platform Shang "fill IOU"-- private under through paid treasure or micro-letter take also cash, then fill playing take article. The promissory note endorsed in the platform, both the real-name system, if overdue, will be the platform collection.
Phillips at the q group borrowing see network advertising, networking platforms until you have to borrow money.
Worth noting is that these "IOU" was not up as much as borrow, but the "take charge", or even "take a bet on two". If 1000, 1000 Yuan is needed to fix a piece of ious, but still need to fill a 1000 or 2000 worth of ious .
After a previous loan interest, the ious will become clear before, the borrower need to fill a new promissory note. Some lenders also have to deduct interest on loans borrowed 1000 Yuan, interest within a week for 300 yuan, lenders gave borrowers the amount of only 700 Yuan, after a week she needed 1000 Yuan .
In March 2000, more than 100,000 in arrears
Bigger numbers, Phillips panic God. During the Chinese new year, she all carry is also the; following the discovery of not even a semester's tuition, living expenses, she also took out; watching is not enough, she also is a secret from his family dare not say, a man quietly drop out began to work. The total adds up to more than 20,000 yuan , while trying so hard, but doesn't necessarily reduce the arrears, still on the rise.
Guangzhou daily reporter found that as little as 3 months, Phillips, through this loan to borrow a total of more than 420,000 yuan, while there as a deposit borrow a failure, but as of press time, the system shows her still not paid off, with more than 110,000 yuan .
Displayed on the phone's large debt, Phillips of helplessness.
Relatives and friends received collection call or text message
On March 2, she's overdue arrears appeared for the first time. Since then, she started receiving telephone bomb and harassing messages. Collections information are more violent. In desperation, on March 3, she will inform the father, but this time, her parents, relatives and friends began receiving collection calls or text messages. Phillips's emotional near collapse, once produce emotional suicide.
Collection letter threats from anyone.
Phillips family is not well-off: father in rural farming, mother garden work, even tuition at Phillips is the uncle to pay. Unable to face the parents, she has been afraid to go home, nor did he tell mother she has been living at the boyfriend's House. The night of March 4, boyfriend calling Phillips mother let her take Phillips left, she didn't know her daughter's address. Persuade Phillips, March 7, Phillips mother daughter back to her temporary residence hotel.
Phillips mother thought her daughter owed money unable to pay, was crying.
In recent years, a variety of online lending platform became popular in universities, although the loan amount is not high, but the procedures are simple and easy to handle. Reports about campus lending mess is not uncommon, from loan insolvency to suicide, to sell topless "naked" lending spurred concern.
In December 2016, Nanjing Agricultural University students reflect, senior students of the school allow students to personally help them network credit loans, but for failing to honour their commitments, which help their student loans be paid principal and interest loan platform. It is reported that the suspected loan scams-South agricultural students involved 57 people, totalling nearly 1.5 million Yuan.
My third year in Qingdao, Chen contacted campus credits a year ago. On-account of the "cheap and easy", there is the pleasure of shopping she fell in love with this kind of lending. Within six months, Chen respectively interesting stages and stages Le 15 lending platform on campus borrow-and-spend, buy a variety of Apple electronics, designer bags, cosmetics, Nikon cameras, and so on. Every amount small, 1000, 5,000, but soon she found herself inadvertently has accumulated arrears of about 100,000 per month to pay the principal and interest of around 4,000. Reporters 15 campus lending platform public borrowing information statistics, Xiao Chen's borrowing costs in the 30%, that is to say she's 100,000 yuan in arrears, there are 30,000 are paying interest to the platform.
A college senior majoring in physical education in Hunan, date from around October last year, and personally identifiable information by borrowing of 18 students, with "Dream Fund" and "campus" loans, such as, school loans, Beijing Eastern white, fast loan, Qian Mi, 12 P2P lending platforms, were lost after the borrowed principal and fees of more than 500,000 yuan.
Police: according to the case on file for investigation
Yesterday, Sanshui police responded to reporters, receiving party alarm, police in accordance with the administrative investigation. Police said that in recent years, with credit markets becoming more active, borrowing more and more varied, cheater fraud means is becoming more and more innovative, some means is not wise, but really test intelligence, people caught off guard. Scammers take advantage of their lack of financial knowledge, urgently needed working capital, weak banks and regulators to prevent advantages, brazenly implemented in order to make loans in the name of fraud.
These people said, some do not have the repayment ability of the borrower to obtain loans, desperate to lend on the network groups loansharks . Lending groups privately agreed with the borrower loan interest rates, based on financial and social networking tools on the Internet and cover to complete the illegal loan sharks.?Under the after parties in the knowledge that the consequences of late, more and more debt, and creditors use their private information has been pressuring greatly trouble the party life. " Loan shark gang is nominally on the Internet platform of trading transactions, are actually individual conventions are private transactions, often by private agreement shall prevail, circumvent regulation . "Police said that when implementing Internet lending, people must be cautious, familiar with relevant laws and regulations, avoid Internet fraud.
At present, the case is under further investigation.
Attorney: monthly Super 2% from legal protection
Phillips experience, Guangdong United Xu Han Law said, according to China's relevant laws and regulations, monthly more than 2% will no longer be protected by law. Event party week of borrowing interest rates 30%, already belongs to the usury nature. By threats and intimidation, it is recommended to seek police help.
Guangdong xurui Chen Weijie law analysis, Phillips there are two cases: If Phillips is to personal loans, private loan agreement, then the lending relationship is established, that are protected by law, Phillips also have obligations. And if the network platform, more borrowers there is collusion, that, knowing the parties beyond the repayment of circumstances, abetted through new or old, then there is suspected of fraud and illegal business, Phillips can refuse to pay. First principal 2000 is necessary to return the loan .
For up to 30% of high interest on loans, Chen Weijie believes that according to China's relevant laws and regulations, take over a 24% loan interest is not protected by law, Phillips interest evident in borrowing is too high, can be stopped payments to borrowers payments. Journalists revealed that Phillips has had more than 20,000 yuan of repayment, in accordance with the legal provisions, if Phillips payments already exceed the above the law 36% interest, Phillips has the right to require the creditor to return. If they decline, the party may be recovered through legal channels.
Chen Weijie said the current credit variety, varies greatly. Students lack life experience recognition ability is limited. If students participate in the network platform of credit, first and foremost must do what, the second is needed to a regular platform of credit transactions. In front of the loan must first become familiar with the relevant laws, avoid credit scams.
女大学生网络贷款2000元，3个月后变成11万 - 网贷,贷款 - IT资讯
因为急需，去年12月30日，20岁的广州某高校大二学生小菲（化名）在借款平台“51短借”借了2000元。她向对方承诺一周内还清，周息达惊人的30%。
然而一周之后，她未能按时还款，这时借款者告诉她可以通过借款平台“今借到”继续借款还利息，就这样，在短短的三个月里，她“拆东墙补西墙”，连新年利是、学费都用来还款但都没能还上。
为了还钱，她甚至还逃课打工。 今年2月底，在已经还了超过2万元后，她的欠款从2000元变成了惊人的11万多元，实在无力支付之后，她终于告诉父母实情，并向媒体求助。
小菲通过今借到打的借条总额达42万元之多，截至记者发稿时，系统显示她还有11万余元未还清。
借贷平台显示，小菲目前待还金额高达11万多。
借完2000元发现周息30%
从2015年年底开始，小菲就接触了网贷，彼时的她曾多次尝试网贷，都如期还上了贷款。“那都是些很正规的平台，利息也不是很高。”2016年12月，刚好缺一笔钱的她再次想到了网贷，而此时一些在QQ中认识的人将她拉入了一个“深渊”：当月月底，她在“51短借”上借了2000元，原本以为也是低息，没想到借到之后她却傻眼了。
“当时他们在QQ群里宣传得很好，即使是黑名单也能借到，而且出款时间很快。没想到，等我借完后才被告知， 要在一周之内还清，利息是周息30%。”这意味着，她要在一周后偿还2600元。作为几乎没有收入来源的大学生，如何保证还款呢？小菲告诉记者，对方在借钱前， 要求她提供了个人身份信息、学校信息、父母联系方式和手机通讯录信息等。
一周之后，小菲手头上还是没有资金，此时对方告诉她， 可以还利息续借，即只用还600元的利息，又能借一周时间，不过需要另外在平台上打“借条”；同时，她也可以向其他人借钱来还。
拆东墙补西墙
借1000元再押1000元。
为了还款不逾期，小菲按照指引开始疯狂拆借：向另外一个人借款填补上一家的利息；等两家又要逾期时，又问第三家借…… 到2月底，她已经向20多人借钱，借款总数达十余万元。
与与第一次借钱不一样的是，后面的借钱都是在一款名为“今借到”的平台通过同样的方式借出，而借款的方式则仍是周息30%，但每次借款后需在该平台上“补借条”—— 私底下通过支付宝或微信借还现金，然后补打借条。这个借条通过该平台背书，双方都必须实名制，而一旦出现逾期，将由该平台催款。
小菲当初在q群看到网络借贷广告，才想到在网络平台借钱。
值得注意的是， 这些“借条”并非借多少补多少，而是“借一押一”，甚至“借一押二”。如借款1000元，则需再补一张1000元的借条外，还需补一张1000元或2000元的借条。
在还了上一笔借款的利息后，之前的借条将变成结清，借款人需另补一张新的借条。有一些放款时还要扣除利息后放款， 如借1000元，一周内利息为300元，放款人给借款人的金额仅为700元，一周后她需还1000元。
欠款三月两千元变十余万元
面对越滚越大的数字，小菲慌了神。过年期间，她的所有利是都用来还了款；发现不够之后，连一个学期的学费、生活费她也拿了出来；眼看着还是不够，她还是瞒着家人不敢说，一个人悄悄地辍学开始打工。总共加起来还了超过2万元，虽然如此努力，但欠款却不见减少，仍在不断增多。
广州日报记者发现，短短3个月时间里，小菲通过今借到打的借条总额达42万元之多，虽然有部分作为押金的借条失效，但截至记者发稿时， 系统显示她还有11万余元未还清。
面对手机上显示的巨额欠款，小菲十分无助。
亲友不断收到催款电话或短信
3月2日，她的欠款出现了第一次逾期。此后，她开始不断接到电话轰炸和骚扰短信。一些催款信息言语之间更为粗暴。无奈之下，3月3日，她将此事告知了父亲，而此时，她的父母、亲友等开始不断接到催款电话或短信。小菲的情绪临近崩溃，一度产生了轻生情绪。
催款人发来的恐吓信息。
小菲的家庭并不宽裕：父亲在农村养殖，母亲在做园林工，连小菲的学费都是伯父代交。由于无法面对父母，她一直不敢回家，也没有告诉母亲她一直住在男友家。3月4日晚，男友母亲致电小菲妈妈让她带小菲离开后，她才知道女儿的地址。说服小菲后，3月7日，小菲妈妈最终在女儿临时居住的酒店里将女儿接回。
小菲妈妈想到女儿欠下巨款无力偿还，急得哭起来。
近年来，各种网络借贷平台开始在各大高校流行，虽然贷款额度不高，但是手续简单，办理方便。有关校园借贷乱象的报道屡见不鲜，从因贷款无力偿到跳楼自杀，到出卖裸照“裸条”借贷，引发外界关注。
2016年12月，南京农业大学有学生反映，该校大四学生边某让部分同学以个人名义帮其进行网络信用贷款，但因未能履行承诺，致使帮其贷款的学生被贷款平台催缴本息。据悉，涉及疑似借贷被骗的南农学生有57人，总金额近150万元。
在青岛读大三的小陈一年前接触了校园贷。分期付款带来的“便宜、省事”，还有购物的快感让她喜欢上了这种借贷模式。半年内，小陈分别在趣分期、分期乐等15家校园贷平台上借贷消费,购买了多种苹果电子产品、名牌包包、化妆品、尼康相机等。每次的金额都不大，一千、五千，但很快，她发现自己不经意间已经积累了10万左右的欠款，每个月要支付四千左右的本金和利息。记者根据这15家校园贷平台的公开借贷信息综合统计，小陈的借贷成本在30%，也就是说她10万元左右的欠款，有3万是需要支付给平台的利息。
湖南某学院体育专业的大四学生方某，从去年10月左右至今，通过借用18位同学的个人身份信息，以“梦想基金”、“校园贷款”等名目，在名校贷、京东白条、极速学贷、钱米等12家P2P贷款平台上，共借本金和各项费用50多万元后失联。
警方：已按照行政案立案侦查
昨日，三水警方向本报记者回应称，在接到当事人报警后，警方已经按照行政案立案侦查。警方相关人士表示，近年来，随着借贷市场的日益活跃，借贷方式愈加多种多样，骗子的诈骗手段也是越来越新颖，有的手段并不高明，但有的着实考验智商，让人防不胜防。骗子们正是利用人们缺乏金融知识、急需周转资金、银行和监管部门防范不力等有利条件，肆无忌惮地实施以发放贷款为名的诈骗活动。
上述人士表示， 一些不具备偿还能力的借款人为了获得借款，铤而走险向网络上的放贷团伙借高利贷。放贷团伙与借款人私下协商好借贷利率，以一些互联网金融和社交工具为平台和幌子，完成非法高利贷放贷。事后当事人在明知后果的情况下逾期，致使债务越来越多，而债权人使用其已经获得的私人信息施压，对当事人的生活造成极大困扰。 “高利贷团伙的交易名义上是在互联网平台交易进行，实际上是个人约定，是私下交易，往往以私下约定为准，绕过监管。” 警方表示，市民在实施网络借贷时，必须多加谨慎，熟悉相关法律法规，避免遭到网络诈骗。
目前，相关案情正在进一步调查之中。
律师：月息超2%不受法律保护
针对小菲的遭遇，广东正大联合律师事务所许瀚律师表示，按照中国相关法律规定，月息超过2%就不再受到法律保护。事件当事人的借贷周息达到30%，已经属于高利贷性质。对于遭到多方恐吓威胁，建议当事人寻求警方帮助。
广东旭瑞律师事务所陈伟杰律师分析认为，小菲的情况存在两种情况：假如小菲是向个人借款，私下达成借款协议的，那么借贷关系就是成立的，即表示受法律保护，小菲也就有还款的义务。 而假如网络平台中，多个借款人存在串通，即明知道当事人无法还款的情况下，唆使当事人通过借新还旧，那么就存在涉嫌诈骗和非法经营，小菲可以拒绝还款。但首笔借款本金2000元也是需要返还的。
对于高达30%的高额贷款利息，陈伟杰认为，根据中国相关法律规定，承担超过年息24%的贷款利息就已经不受法律保护，小菲在借贷中的利息明显过高，是可以停止向借贷方支付还款。记者提供的情况显示，小菲已经还款已超过2万元，按照法律规定，如果小菲的还款已经超过高于法律规定的36%的利息，小菲是有权要求债权方予以返还。如果对方拒绝，当事人可以通过法律途径予以追讨。
陈伟杰表示，当前网络信贷花样繁多，良莠不齐。在校学生缺乏人生阅历，辨识能力有限。如果学生参与网络平台信贷，首先是必须要量力而行，其二是需要到正规的信贷平台实施交易。在借贷前必须先要熟悉了解相关法律，避免落入信贷骗局。