For example, some consumers report that their micro-loans on the lending platform lead to high interest rates; For example, if a consumer delays repayment, he will be harassed by countless dunning calls every day, not only by the consumer himself, but also by his family, relatives and friends. For another example, you obviously want to borrow some money on hand, but you are asked to buy a mobile phone first, thus falling into the endless trouble of "installment loan"
Suzhou: Borrowing13,000 yuan to repay 310,000 yuan can not afford high interest.
Mr. Wang of Suzhou borrowed a sum of money from the online loan platform last year because of lack of money.
Mr. Wang from Suzhou: I borrowed Gitzo 13000, with interest of more than 5,000 and other miscellaneous expenses of more than 13000, and finally I have to pay back (total * * *) more than 30,000.
As can be seen from the loan contract provided by Mr. Wang, in addition to the principal and interest, it also includes a series of other expenses such as "customer service fee, loan management fee, handling fee and flexible repayment service fee". Teacher Wang said that there was no hint when applying for a loan.
Teacher Wang from Suzhou: The people over there (online loan customer service staff) have never told me about these fees. Is it different from robbing money?
The loan is 654.38+0.3 million yuan, and the repayment is 365.438+0.0 million yuan, with a loan period of 39 months. Does this borrowing cost meet the national regulations?
Lawyer Tian: According to the judicial interpretation of private lending in the Supreme People's Court, this case violates the provisions on interest. Interest, overdue interest, liquidated damages and various expenses should be added to the interest. The state stipulates (does not exceed) the annual interest rate of 24%. According to this ratio, this should be a serious violation of national laws and regulations.
Some online lending platforms violate state regulations and have high interest rates.
Ceng Laoshi, Ganzhou, Jiangxi: I am in that "Dangdang wallet" (online lending platform), which is the "Jiufu Group". I borrowed money there, borrowed 1 0,000 yuan, and paid 2266.67 yuan each time. Then if interest expenses are added, I will pay back 13600 in six installments, that is, six months.
Lawyer Tian: When the loan term is half a year, the repayment exceeds13,000 yuan, and the interest actually exceeds the red line of 24% annual interest rate stipulated by national laws.
Jiangxi: Overdue repayment "calling you to death" is not discussed.
Some consumers who are deeply involved in online loans are unable to repay, while others refuse to repay because of high interest rates. This not only affects personal credit information, but also may bring more trouble: the dunning phone calls you to death!
Ceng Laoshi, Ganzhou, Jiangxi: No matter day or night, sometimes it will scream in the middle of the night.
Since the default, the borrower has received numerous harassing calls every day. In the worst case, the phone has been turned off. Why is this harassing call so powerful?
Teacher Gao from Beihai, Guangxi: Anyway, the tone of the call is particularly fierce. It is estimated that they are all social collection companies, and there are telephones everywhere. They may just use VoIP to make phone calls.
Ms. Ye, Ganzhou, Jiangxi: A girl can't express the severity of their language at all, and she can't imagine these words coming out of our mouths.
The mobile phone contact of the lender was also harassed by the phone.
In addition to my harassment, all contacts who appear in the borrower's mobile phone will also receive dunning calls. In this way, the borrower's loan default situation is very obvious.
Xiao Liu, a college student in Jiangxi: I know a deliveryman who called me. He asks if you owe someone money and don't pay it back. Why did you send it to my mobile phone?
While we were interviewing Ceng Laoshi, a phone call came in.
Ceng Laoshi: Which platform are you from?
Customer Service for Online Loan Collection: I'm from Weibo. No, I want to ask what is harassment? Shouldn't I call your contact? I don't understand. Are you reasonable or something? I don't understand. Isn't it because you haven't paid your debts? It is only natural to pay back debts!
Online lending requires users to provide mobile phone service passwords.
In addition to reading contact information through mobile phone permissions, online lending platforms have other ways to obtain personal privacy. Ms. Ye from Jiangxi also applied for a small loan on Gitzo platform last year.
Ms. Ye from Ganzhou, Jiangxi: At that time, he (salesman) asked me to provide the service password of my mobile phone. Then because the mobile phone has been operating for too long, it has been forgotten. If I forget, he will call. Mine is a mobile phone. He asked me to call 10086, just change that password, and then gave him the service password.
Salesperson (Zilan): Prepare ID card, bank card, mobile phone number and service password in advance.
Hebei: College students can't stand suicide or debt collection.
Harassing borrowers and their contacts by phone is not the worst way to collect money. In June 5438+10, a college student in Hebei committed suicide after being collected by online loans.
On the eve of the Spring Festival this year, police in Zhangjiakou, Hebei Province found Xiao Li, a college student who committed suicide, in a hotel room.
Liu, a policeman of the Public Security Bureau of Zhangjiakou Economic Development Zone, Hebei Province: His death is related to online loan debt collection.
According to police investigation, Xiao Li has been lending to a number of online lending platforms since 20 16. From the initial 35 thousand to the highest 40 thousand to 50 thousand, the interest is increasing, which completely exceeds Xiao Li's repayment ability. The online loan company will not only collect debts from him, but also threaten his family.
Xiao Li's mother: She calls me twenty or thirty times a month and says you don't want a son? You don't want a son?
Liu, a policeman from the Economic Development Public Security Bureau of Zhangjiakou City, Hebei Province: After adding WeChat, he told his mother that you must repay the loan for your son. If not, then your daughter and your family are a threat.
Jiangxi: SMS threatens to insult the door-to-door violence collection.
Jiangxi college students Xiao Gu and Xiao Liu Ye, who are also unable to repay their online loans, also received similar threatening messages.
In addition, overdue borrowers often receive insulting messages, such as making the debtor's head into such portraits and nude photos, and sending them to all contacts through SMS and MMS. In the words of collectors, it is "to make her reputation thorough."
Destroy. "
Mr. Zeng, Ganzhou, Jiangxi: This picture shows a circle of friends in people's groups engaged in crowdfunding. Because they had no money to eat, they borrowed 10 yuan from their relatives and friends to pay their debts. I'm going to sell blood, kidneys, cattle and horses to pay my debts in the future.
Mr. Zeng, Ganzhou, Jiangxi: A dozen people have come and he wants you to pay back the money. Anyway, he won't let you go anywhere, limiting your freedom.
Collector: I, I deliver goods and collect money. Without money, I killed him.
After that, the collector also sent a number of micro-videos of door-to-door violent collection.
△ Screenshot of the door-to-door violent collection video sent by the collector
Public security in many places carried out an investigation on violent collection of online loans.
In view of such a bad phenomenon of violent collection, at present, public security departments in some places have sent working groups to all parts of the country to verify the relevant situation of violent collection by online loan companies. (Standard) In addition, in order to establish a regulatory mechanism with Internet finance characteristics, the central bank recently held a meeting with relevant members of the leading group for special rectification of Internet financial risks to deploy special rectification of Internet financial risks, strengthen supervision and eliminate potential risks.
Guangxi: If you want to get a loan, you should first make a mobile phone installment loan.
Mr. Gao from Beihai, Guangxi originally wanted to borrow 654.38+10,000 yuan for turnover, but the idea given to Mr. Gao by a loan intermediary company was that if he wanted to borrow money, he would first buy three mobile phones on the online loan platform in his own name.
Mr. Gao Beihai, Guangxi: (Lending institution) told me that after three months, they will get a loan of 654.38 million yuan, and the down payment and monthly payment for mobile phones will be paid by their company, but I will use my ID card as my name. I didn't think much at that time because I needed money badly. So many advertisements should be about the same.
According to the fees charged by the loan intermediary company, Mr. Gao must first purchase three mobile phones in stages in his own name, and then hand them over to the intermediary company, which can help Mr. Gao to apply for a loan of 6,543,800 yuan.
So, Mr. Gao applied for mobile phone installment from Gitzo and Hehe immediately, but only successfully applied for Gitzo and Baiqian installment loan, and the intermediary company asked him to wait three months before applying.
Mr. Gao Beihai, Guangxi: In the first three months, the loan intermediary company paid money into my bank card every month. Gitzo and Baiqian will deduct money from my account again.
Three months later, Mr. Gao found that he could not contact the salesman of this intermediary company. Only then did he realize that he not only didn't get a loan of 654.38+10,000 yuan, but also continued to repay the loan for the mobile phone he didn't get.
The loan intermediary instigated students to take "mobile phone loans"
Xiao Liu and Xiao Gu, who went to school in Jiangxi, had similar experiences.
Xiao Liu, a college student in Jiangxi: He (the loan middleman) told us that it is 300 yuan (benefit fee) to make a phased mobile phone. He said that you don't have to pay back the money, and he will transfer the money to you in each installment, and then pay off all the rest of your money in three months.
At the instigation of the loan middleman, all six students in the dormitory took out installment loans, each with an average loan of 20 thousand yuan, and received different amounts of benefits from the middleman. Give all the mobile phones and computers to the loan middleman.
Xiao Liu, a college student in Jiangxi: I bought two Apple Sevens (mobile phones) and an Apple computer myself. Received two thousand five hundred (benefits).
However, three months later, the middleman suddenly stopped transferring money for various reasons.
Xiao Liu, a college student in Jiangxi: Even our deceived students have a deceived (WeChat) group, in which more than 80 students have been deceived.
Xiao Weibo, a policeman from longnan county Public Security Bureau, Jiangxi Province: The suspect has been detained by our bureau, involving Longnan, dingnan county, quannan county, Anyuan County and other areas. At present, the loan of RMB 6,543,800+0.5 million has been repaid.
Some online lending platforms only need an ID card to borrow money.
Xiao Liu, a student from a university in Jiangxi: No, say as much as you want.
Related question and answer: Have you ever heard of online loan 1? What do you say, I want to do some financial management on it? I have a friend who works in online loan 1. I heard it's good. His own wealth management products are all bought on his own online loan 1.
Related Q&A: What do you think of online lending? I have been deeply involved in online lending.
Let me talk about my own views. Let's not talk about formal platforms, because there are not many formal platforms. Let's talk about most online lending platforms, especially 7 14. The so-called 7 14 means that the loan period is 7 days or 14 days, and the amount is usually one or two thousand yuan. Borrow 1000 to 800 a week, or 1200, or 1000 or more. Most importantly, people with high interests will kill people without seeing blood.
To apply for online loans, all platforms will require your personal information, photos of the front and back of your ID card, personal verification, home address, emergency contact number and address book, and some formal platforms will also require credit report. They want almost all your personal information anyway. This is the first step.
If you repay on time, if it is overdue, most platforms will contact you to repay as soon as possible. If you don't pay, you will call your emergency contact, usually your parents and wife. Call people in the address book without repayment, almost all by phone, and send text messages in groups. This usually happens within three days after the deadline. Later, all kinds of threats threatened to sue you and file a case with the local public security organ. Then call your address book and send text messages to insult your relatives and friends, saying that someone borrowed money from us to give your daughter-in-law an abortion, but now she doesn't pay back the money anyway. How can I say it is disgusting? There is also a group photo. Send your photo as a group photo of Huang Tu or the mourning hall. Is to disgust you. Others pretend to be members of the underworld and brazenly say that they will come to the door to ask for accounts. As soon as the brothers passed by, there were dozens of them, and they had to pay for a visit, and then they said they were taking risks to scare you. It's a mess Everything.
In fact, these collections dare to make a phone call and send a text message to bully. They are the first to be timid. I have encountered all the above means. I'm 70-80 overdue on the 7 14 platform, so I won't talk about the reasons. I said in other questions and answers that friends who want to know can write privately or ask my questions and answers.
If you are really short of money, you can borrow a little from the regular platform within the scope of repayment ability. Interest is generally conscientious and can be used in an emergency. But don't borrow too much, this hasn't come up yet. If you go to the next one, you will only hurt yourself more and more.
This year's 3 15 party exposed many 7 14 platforms, and many platforms were blocked and sheltered. But now, as far as I know, there are signs of resurgence. Change the app and name and continue lending. Even if you are short of money, don't borrow 7 14 and don't pay it back.
To sum up: it is better not to touch online loans.
These photos were sent by me in other questions and answers. They are screenshots of my chat with a collection. Send it to everyone again. I want to tell you that you don't have to be afraid to come directly to the police. Now the public security organs are worried that they cannot find the indicators.