Have you ever had your life ruined by online loans?
I really have a friend who started out as a live streamer, making tens of thousands of dollars a month. Later, he learned to open a store, but was ruined by his peers, leaving him with nothing but a used car.
His girlfriend couldn't stand it and ran away. He used his five-year mobile phone number to apply for online loans. It was 2018, and p2p was in the limelight. The threshold for applying for online loans was very low, and he made more than 600,000 yuan in one go.
He was also very smart. He didn't touch the two Ma (Penguin and Alibaba) systems, nor did he touch companies with good backgrounds. He only engaged in small companies 714 small loans.
He took the money and went straight to Guangzhou. He couldn't find anyone for the small loan, so he had to go to his home.
It turned out that his family lived in a remote area, and he had more than 30 relatives. The folk customs were retro, and they would fight if they didn't agree.
The people from the online loan company went in and said that his classmates asked him to play, and he left his house after paying two boxes of milk.
At the end of last year, when we went out for dinner, this guy smoked Huazi and said that there were less than 10 small loan companies that he had taken advantage of that were still alive. The most outrageous thing is that this guy is not a dishonest person.
As for SMS bombing and phone harassment, they are like a breeze.
Every time his father answered the phone, he would chat in dialect, each talking about his own things, which made the debt collector so angry that he cursed and stopped calling.
According to the old man, I worked in the fields for many years to get 500,000 yuan, and I don’t deserve to be scolded.
He himself met a photo-editing person and frightened the debt collector, saying that he would sue you for breaking the law in a minute. Believe it or not, I will use the weapon of law to protect myself.
He was directly silenced by the debt collector.
So you see, sometimes face is really not important.
If you look back at this society, the ones who suffer are always the honest people, and the ones who benefit are always those who exploit loopholes in the rules.
If online loans want to take your high interest, you can directly take its principal. This is called preemptive.
Of course, it only targets people who fall into the pit, people who are desperate, and those who have a legitimate business, don’t touch online loans at all.
This is just a story, but I think it is not worth offending a lot of people for a few hundred thousand yuan, and it is possible to become a dishonest person. There is still a long way to go.
