It didn't take long for the mobile phone to be stolen, but you still have to pay back the money you bought. Faced with the constant urging of the platform, Xiaoling had no choice but to search some information about the loan platform on the Internet, joined the loan group, and asked the intermediary in the group to help apply for a loan and rob Peter to pay Paul for temporary peace. "As long as you provide ID card, mobile phone number, parents, teachers and other information, you can apply." Xiaoling said that taking the daily 1% as an example, the monthly 10 day's late payment fee in 500 yuan's bill is 50 yuan, and the late payment fee for 20 platforms is 1000 yuan.
In 20 15, Xiaoling borrowed more than 80,000 yuan, and with the overdue penalty, she had to pay hundreds of thousands of debts. Xiaoling said that when she knew that she had to pay back hundreds of thousands, "she was cheated." Platform: the loan is 4000, only 800. In April of 20 16, Ms. Yang suddenly received a dunning call, only to know that her daughter owed hundreds of thousands of debts, most of which were overdue liquidated damages. Ms. Yang was in a hurry and scolded Xiaoling. Can be scolded, Ms. Yang is still raising money to repay her daughter.
This is the end of the matter. On April 19 this year, Xiaoling, who was studying in class, received a dunning call from the "installment music" loan platform. The phone said that Xiaoling owed more than 4,000 yuan, which was overdue 100 days. At that time, Xiaoling was working as an intern and could get about 2000 yuan a month. Thinking that her parents had paid hundreds of thousands of debts for herself, Xiaoling felt a little guilty and wanted to repay it with her internship salary. But not yet, Xiaoling thought of borrowing again. Within a month, Xiaoling borrowed nearly 30 loans through an intermediary. The amount of each loan is not high, mostly one or two thousand, mainly from "quick loans". "Really not line, is ready to sell the house. No way, just a daughter. " Mr. Shi introduced that he was a cook outside, and his daughter Xiaoling lived with his wife since childhood. A year ago, in order to repay my daughter's loan, I used up all my savings at home and borrowed a lot of money from my relatives, friends and colleagues. "They are going to sell the house and pay back the money." Speaking of which, Xiaoling's voice dropped.
The Supreme People's Court's "Several Opinions on People's Courts' Trial of Private Lending Cases" stipulates that the interest rate of private lending shall not exceed four times the interest rate of similar loans of banks, and the excess shall not be protected by law. At present, this matter is still being processed. .