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大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
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Topic: 大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生 (Read 112 times)
Daidaoli
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大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
November 30, 2017, 05:26:25 AM
#1
据安徽商报报道,22岁的小朱是淮南市一所高校的大三学生。11月4日,割腕自杀的他虽被父母从生死线上拉回来,但高利贷债权人讨债的恐吓与威胁,却让一家三口惶恐不安。这些得从小朱为同学偿还1.7万元贷款说起。为还贷,小朱拆东墙补西墙,短短三个月就背上35万余元债务。 11月29日,小朱家人更是收到合肥一家个人贷款平台催债人的威胁信息。目前,淮南警方已介入调查。
儿子自杀父母才知巨额欠款
朱先生和妻子徐女士是淮南的普通上班族。 11月4日上午,朱先生接到一个网贷平台的电话称,自己欠了3000多元钱,不按规定日期还就要收取利息了。对此说法,朱先生徐女士都感茫然。于是,他俩打算中午问问儿子小朱。不料,二人推开儿子的房门后惊呆了,“儿子左手手腕上流了好多血,人已经昏迷了。”朱先生赶紧拨打了120,一番抢救后,小朱转危为安。
徐女士说,儿子养伤期间,做梦都在喊“要还钱”。而且,她和丈夫从儿子房间里找到一沓欠债单据,“单据中,儿子拖欠了20多家网贷平台的贷款,共计13万多元,剩余都是欠下的个人高利贷借款,本息加一起有22万多万元。”
面对儿子35万元的巨额债务,朱先生和徐女士惊呆了。朱先生不解地说,他不知道还是学生的儿子做了什么,会欠下这么多钱。
身份信息被同学借用贷款
昨日,小朱表示,这还要从他为同学偿还1.7万元贷款说起。原来,去年6月,小朱的初中同学小张找到他,称女友过生日,想借用小朱的身份信息办校园贷,给女友买个手机,贷款也由小张自己偿还。小朱没多想就提供了自己的身份信息,“很快就放了款,这部手机一共贷款4800元,分12个月偿还,本息加一起共计7000元。”
小朱说,还贷首月,小张的确还了款,其间又向他借1万元现金,说过阵子会偿还。于是小朱从某网贷平台借了1万元给小张。不料,此后小张不但将他拉黑,还不再偿还此前买手机的贷款。找不到小张,两笔以小朱名义贷得的款,只能由其偿还。
今年7月,小朱终于把1万元的贷款还完了,但剩余的7000元,他无力偿还。就在此时,他通过网贷平台,认识了一位王先生,对方自称在合肥做分期贷款。还说合肥有家网贷平台的利息很低,借7000元每月只需还几十元钱就行。不过,小朱到合肥和王先生见面后得知,此前说的网贷平台在做网络维护。“王先生答应个人借我7000元,不过写欠条时,他写了一张9000元的欠条,又写了一张3万元的欠条。”小朱说。
边借边还三个月欠债超35万
小朱签过字后才明白,“如果我能一周内还清,加上2000元保证金,只要还给王先生9000元即可。如果还不上,他就拿那张三万元的欠条来找我。”一周后,小朱没能还款,但王先生却没让他立刻还三万元,而是与他立下“逾期后每日偿还200元利息”的约定,并让小朱先偿还一部分本金。“见我为难,王先生把我介绍给合肥中环城的贷款人朱某某,说那边个人借款的利息低。”8月上旬,小朱与朱某某签了一张1.5万元的借款合同,但实际到手的只有1万元,剩余5000元是保证金。小朱还完此前因小张欠的钱后,才发现欠朱某某的款又要逾期了。“钱还不上,朱某某就用高利贷那一套给我立规矩,月利息达到了五毛,逾期本金翻倍,1.5万元变3万元。”签下字后,小朱发现每天光要还给朱某某的利息就要两百多元,还不算王先生的利息。
之后,小朱拆东墙补西墙,从奢分期、借贷宝、任我花等20多家网贷平台上贷款还钱,还在朱、王两人的要求下,先后与郑某、陈某某、汪某某等多人签下了个人借款合同。小朱签订的借款合同显示,这些合同规定的月息至少五毛,逾期本金翻倍,是典型的高利贷借款模式。仅三个月,小朱在合肥、滁州、淮南等地所欠的网贷和高利贷本息金额超过35万元。
不堪恐吓大学生选择自杀
徐女士发现,为了还债,儿子小朱在他们夫妻不知情的情况下,冒用他们的信息办理网络贷款。事发前,她和丈夫在花呗、借呗等平台的欠款也有近万元。
11月29日,朱先生来合肥到一家个人贷款平台还债。朱先生说,几经求情,该债权人终于决定只收回本金,并答应不再让催债人员去他家威胁、恐吓。
对此,该贷款平台的一名男子坦诚地说借给小朱的就是高利贷,“当时是跟他(小朱)签了两个条子,是因为钱借出去后,还得上是一说,还不上又是另一说。”该男子说,曾在借款合同上规定月息达五毛,还不上钱就会找催债公司的人上门要钱。
此外,小朱提供的淮南、滁州等地的催债人员发来的信息中,也充满了威胁、恐吓和诅咒的字眼,其父亲朱先生的手机还收到了多段欠债人遭催债人拖街群殴的视频。
朱先生说,如今,多地讨债人员几乎每天都会到他家催债,让一家人深感害怕和紧张。小朱说,他决意自杀是因无力承担巨额贷款,又收到恶意的催款短信和视频,重重压力之下才如此选择。日前,朱先生已就此事向淮南市田家庵公安分局报案。昨日,当地警方表示,已收到报案材料,并介入调查此事。
EngWinston
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Re: 大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
November 30, 2017, 05:38:51 AM
#2
学而不思则网,思而不学则贷,不思不学则网贷,网贷不还则苟DIE
所以自己的身份信息千万不要借给他们
kaixinfaa
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⇾
Re: 大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
November 30, 2017, 06:20:55 AM
#3
每个学校几乎都存在这样的人,尤其是一些学长部长,借助自己的权势忽悠大一大二的新生办理校园贷款,最后追债的时候倒霉的总是新生而不是学长
lxiaoh
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Activity: 533
Merit: 100
Re: 大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
November 30, 2017, 06:36:23 AM
#4
自作孽,不可活。多地讨债人员几乎每天都会到他家催债,让一家人深感害怕和紧张。就因为压力大,就想自杀,那生活也太容易了,一来个不顺心的就自杀,一了百了。
Yvonne Lyly
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Activity: 10
Merit: 0
Re: 大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
November 30, 2017, 07:33:46 AM
#5
裸贷吗
Dorothy Hutt
Newbie
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Activity: 9
Merit: 0
Re: 大学生被同学借身份欠7千校园贷:3个月背债35万欲轻生
November 30, 2017, 07:34:28 AM
#6
唉 真恐怖
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