During college, I was deeply involved in campus loan employment, and my salary was difficult to offset the loan interest.
Xiao Zhang is a student of a science and technology college in Xi. After graduation, I worked in a sales business in an online game company. Stepping into social employment should be a new feeling for a young man, but Xiao Zhang is not in the mood to feel these new things, because he is burdened with some debts he owed during his school days, which generate a lot of interest every day, even the salary he earned is difficult to pay this interest. Xiao Zhang is deeply troubled by these debts and it is difficult to raise his head.
"More than two years ago, I was cheated and fell in love with online gambling." Xiao Zhang introduced that when he was a sophomore, a friend lied to him that there was investment online and the return was quite rich. He couldn't resist the temptation and began to play online Chongqing Times lottery. At first, there was a loss and a win, and then I got caught up in it and lost hundreds of thousands. In desperation, Xiao Zhang pooled his tuition fees with tens of thousands of yuan borrowed by relatives and friends, which was not enough to pay back the money. "It was at this time that a social person recommended a campus loan to me." Xiao Zhang said that the other party knew that he was in urgent need of money to solve the problem, so he declared to him that the loan through some online platforms was simple and the interest was not high, which would soon solve the problem.
"At that time, I saw that the interest didn't seem to be very high, so I was very anxious. I accepted that person's advice and borrowed money to pay back the money owed by online gambling. " Xiao Zhang said, but what he didn't expect was that although the surface interest rate was not high, with some handling fees and management fees, the deficit was getting bigger and bigger. He kept borrowing money from a platform to make up for the previous arrears, resulting in handling fees, management fees, plus interest, and the hole in debt continued to increase. Xiao Zhang said that he has borrowed money from more than a dozen platforms and has now rolled into hundreds of thousands of huge debts.
"Now the total interest generated every day is more than 100, which is three or four thousand yuan a month. My salary at work is only 2,000 yuan, and even the interest is not enough. " Xiao Zhang said that he had turned to his family for help in desperation, but his family couldn't come up with so much. He only gave 30,000 yuan, which is obviously a drop in the bucket. At work, I dare not tell my colleagues about my experience for fear of affecting my work.
Often abused by loan reminders, it is difficult to get help if you want to call the police for help.
Xiao Zhang, who is unable to repay the loan, has to work hard and expect to earn more money to repay the loan. However, another thing prevented him from working quietly.
"I have no money to pay back, so they often urge me to pay back. Calling and texting is particularly ugly. " Xiao Zhang said that his mobile phone did not know how many abusive text messages and phone calls he received. Because the other party's speech was filthy, he deleted it immediately after receiving it. But recently, even his girlfriend and friends around him began to receive such calls and text messages. Xiao Zhang provided the reporter with a short message sent by the other party to a friend, and his words were really filthy.
In desperation, Xiao Zhang took his lawyer friend Xiao Lu to the police for help. "We went to the Tang Yan Road Police Station to report the case, but the police said that we could only accept the fraud case that I was cheated to participate in online gambling. Borrowing money from the lending platform is a civil relationship and they cannot accept it. " Xiao Zhang said that regarding the circumstances of his being threatened and insulted, the police said that if the loan urging behavior did harm him, he could file an investigation.
In this regard, Xiao Lu, a lawyer, said that he had studied the loan agreement for Xiao Zhang's loan, but the interest rate did not exceed the 24% stipulated by law, which was not a high-interest loan, but all of them had high management fees and handling fees, which made Xiao Zhang overwhelmed. Xiao Lu said that campus loan is a kind of private lending, and it is indeed a civil relationship. It is legal for the police not to file a case. However, if the borrower's dunning behavior causes actual harm or great influence to the borrower's individual or spirit, you can call the police for help.
It is reported that the police have accepted and intervened in the investigation about Xiao Zhang being cheated to participate in gambling.