At 3 AM, she jumped from the 17th floor, a young person ruined by online lending

Looking at the girl jumping from the window, her father was heartbroken and cried, 'If the girl jumped from the 17th floor, she would smash the stone slabs below. What courage would it take for her to jump, and how much pain would she suffer? How could she jump'

She had the courage to jump

Before leaving, she left a suicide note in her mobile phone's notes. As a person as relaxed as me, I'm sorry to everyone.

Her father discovered her handwritten bills while sorting through her belongings. Each transaction was meticulously recorded.

In 2015, she took out her first online loan for only a few thousand yuan.

Unexpectedly, the profits grew too fast, and they had to patch holes in the wall, eventually leading to a terrifying debt of 250,000 yuan.

She couldn't tell her parents about the pressure she was under, and for three years, she paid off 80,000 yuan herself, and still had 170,000 yuan outstanding.

At the time of her death, her Alipay only had 7 yuan, and her bank card had only more than 1 yuan left.

After her daughter's death, her father received a phone call from debt collectors and felt the three years of her despair.

The debt collectors made every effort to insult and attack her personally, not only insulting her father but also the deceased girl.

For three years, she had to endure these insults and threats, and after making her first mistake, she realized that this pit was impossible to fill, couldn't she endure, couldn't she break down?

There were many people who experienced the same situation.

Just two months later, in Zhenjiang, Jiangsu, a 25-year-old mother also jumped to her death. She borrowed 50,000 yuan online, and needed to repay hundreds of thousands of yuan. She had already borrowed 60,000 yuan from friends to cover the debt, but it wasn't enough. Later, she was bullied and extorted by debt collectors, so she jumped to her death, leaving her three-year-old child, her devastated family, and a mountain of debt.

On January 29, 2018, Luo Zheng, a postgraduate from Tianmen, committed suicide due to being overwhelmed by online loans.

On January 30, 2018, 21-year-old college student Li Xingyuan committed suicide due to being deep in online lending.

On August 2018, 25-year-old male from Changde, died by online lending, and was still burdened by online lending after death.

There are countless such news, online lending is an invisible demon, from a few thousand yuan to hundreds of thousands of yuan, step by step dragged people into the abyss.

02

Online lending trap, killing people by design

Deeply understand online lending, it turns out to be a well-planned scheme.

There are companies operating and manipulating behind the scenes, and a series of connections and traps are common secrets in the online lending industry.

Once you fall into it, it's difficult to extricate yourself even if you spend all your savings, high interest rates, violent collection, equivalent to exchanging money for life.

• Online lending scheme one: very low loan thresholds, attracting sheep

Excessive consumption is now common among young people, such as moonlight and debt-stricken people. When you need to spend money and your wallet is empty, what can you do? You have to borrow.

It's hard to say to parents and friends, online lending is a good choice.

Online lending platforms take advantage of this segment of the population.

To attract borrowers, online lending set very low loan thresholds, to entice people to borrow money. No credit checks, no collateral, black-credit and low-credit users can all borrow, only with ID cards, and can apply for instant payment on mobile phones.

To dispel borrowers' doubts, most cash loans only label 'daily interest rate' and 'monthly interest rate' to deceive borrowers, resulting in the appearance of very low interest rates. In fact, the annual interest rate can reach several hundred percent.

• First attract you to come, and then when you are in a trap, use tricks to exploit you.

Online lending scheme two: high interest rates and high rollover interest

There is a 714 high-gun scheme, you borrow 1000, can make you repay more than 10,000.

714 refers to the loan cycle is generally 7 days or 14 days, high-gun is 'cut head interest' and overdue fees.

What is a high-gun, is to deduct a portion of the money, so you actually get less. For example, you borrow 1500 yuan, cut 30%, you will only get 1050 yuan. After 6 days, the interest for repayment is 450 yuan.

Don't pay back the money? They will 'kindly' let you borrow more, use the money to repay your previous 1500 yuan. This is a fattening process, making you borrow more money, and then charge more interest.

After a month, from the initial 1050, you need to repay more than 20,000 yuan! , three months later, you need to repay more than 200,000 yuan!

The scheme gradually devoured and fattened you for harvesting.

• You think you've accepted your fate and repaid the money? Things are not that simple.

Online lending scheme three: setting up repayment traps and collecting overdue fees

When you feel that this is a trap and want to quickly repay the money, they don't let you go.

When the due date arrives, the platform will try various ways to make it difficult for you to repay. Whether it's contacting customer service or the platform, there is no response, only watching yourself overdue.

• Some netizens experienced a penalty of 100 yuan for one day and 2,000 yuan for the next day. After a few days of overdue, after earning enough overdue fees, they began to contact you and demand repayment.

Online lending scheme four: violent collection, pushing into desperation

Once overdue, online lending platforms have many ways to force you to repay. Debt collectors start violent collection.

They call you non-stop, in Henan, a small Zheng received 600 calls per day after his online lending overdue. The calls were 'gentle' because the text messages and calls were 'gentle'.

Debt collectors are based on performance, so they will try every means to force you to repay. They call on your family and friends to let them know you owe money, damage your reputation.

They conduct personal insults and verbal abuse, using more despicable means to threaten you, such as guarding your home, posing as a court to deliver court notices, and spreading your naked photos online, and some even force girls to prostitute themselves for 'redemption'.

The external environment will also put pressure on borrowers, online lending overdue will eventually affect credit reports, and entering the credit blacklist will affect the purchase of houses, cars, and loans.

Under the dual pressure of internal and external, it crushes your will and destroys your mentality, making you feel humiliated and pressured, and can only repay the money.

03

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