Zhang Jianmin is an honest man. The monthly salary is 5,800, his wife works as a cashier in a supermarket, and his daughter is in the second grade of junior high school. Life is tight but stable.
My father suffered a heart attack and the surgery cost was 80,000 yuan. Relatives borrowed money all over the place, but no one would lend a hand, and the bank's credit score was insufficient. He was scrolling through his mobile phone in the corridor of the hospital, and an online loan advertisement popped up - "With your ID card, you can get a loan in 3 minutes."
He borrowed it. I didn't read the contract carefully and clicked to confirm.
Arrival: 62,000 yuan. Contract principal: 100,000 yuan. That 38,000 is the "platform service fee". He borrowed 80,000 yuan, received 62,000 yuan, and had to pay back 100,000 yuan. The annual interest rate exceeds 500%.
If the first installment was not paid, collection began.
The address book was exposed, the wife was publicly humiliated in the supermarket, the father who had just had surgery was so angry that he went to the emergency room again, and the 14-year-old daughter was added to QQ by the collector: "Kid, your dad owes money, you have to be sensible."
The collector asked him to kneel in front of his home so that the entire building could hear. He sold his only house to pay off the debt, and the platform said there was still an "early repayment penalty."
He sat on the floor of the rental house and wanted to die.
It was his 14-year-old daughter who found him. "Dad, my mother said that if you die, she will jump off the building. Think about me, I am only fourteen years old."
They called the police and the platform was seized.
The money was returned to 82,000 yuan. But the house has been sold. A year later, they were living in a rental house in an urban village. Zhang Jianmin turned off the "Lack of money? Get your money in seconds" advertisement on his mobile phone and went to the kitchen to help his wife serve food.
He used a house, his father's half-life, his wife's tears, and his daughter's childhood to pay off a debt he shouldn't have.
