This article comes from the WeChat public account:Golden Corner Finance (ID: F-Jinjiao), of: gold Xiao edge, from the head of FIG: visual China
Tian Xin’s bank card has been frozen for three months.
Because this ICBC card is her salary card, at the beginning, she still had a way to lift the freeze. But the condition for the other party to unfreeze is that she needs to repay the contract in full. She felt that by this time, she could not recognize the fate and served it softly. So she refused.
Every day, she receives text messages sent and received by reminders, saying that she will be called “Lao Lai”. At first, she thought she wanted to argue, but then she looked away, and it didn’t matter.
“They call me Lao Lai, and I call them loan sharks. We just have to question on the post bar that their interest rate is illegal. A group of people swarmed and scolded us Lao Lai. But I paid off the principal, I also asked for 24% interest, and the rest was illegal. I didn’t pay it back. I was still called out as a lao, and my bank card was frozen. I’m going to court to sue them, but the online loan platform is down. . So where is the problem?”
No matter how reasonable Tian Xin is, she is already on the list of debt evasion debts copied to the central bank by online lenders. Waiting for her, or the freezing of the entire financial funds account.
Since the explosion of thunder in the P2P industry last year, a large number of online cash loan platforms collapsed overnight. As the platforms that borrowed money thundered, the people who borrowed on these platforms began to escape these debts in various ways.
These people gathered in various QQ groups and WeChat groups in the form of “anti-collection alliance” on the Internet. They constantly exchange experiences on how to cope with collections. For example, when some collection staff call to inform them that they are about to come home, the experienced group of friends will tell them not to worry. “The police have been so strict this year. You give him ten guts. The dog’s dare not come to the door.”
In these groups, the debtors have natural justice.They think they are borrowing illegal loan sharks, and there are a lot of things afterwards that they know that the payment is much less than the contract amount. As “victims”, they think that in reason, these loan sharks should not be supported, and even they will think that they are fighting against evil forces. “The lending platform has fallen, and now they are talking about recovery, but they were not legal before. Are loan shark contracts also supported? Shouldn’t the government adjust these to legal limits?”
These posts, QQ or WeChat groups are not just debt evaders. There are also lenders who cannot recover the investment. The P2P platform has collapsed, and the lender cannot collect the money and can’t start to worry about it. Many spontaneous organizations have penetrated the social network. They believe that urging debtors to repay their debts can drive the platform to speed up the efficiency of the payment and allow them to get the money they deserve faster.
When posting on the thunder platform, there will often be “Overdue for three months, my bank card has been frozen”, “After two months of delay, I haven’t repaid it, and I found the neighborhood committee directly”. “When you borrow, you don’t know the interest Are you talking about interest now?” “Then I thought I wouldn’t be credited, but I was still on the post after being overdue for two months.” Most of this kind of content is sent by the lender.
In many QQ groups and WeChat groups with anti-collection themes, lenders are also lurking among them. After a variety of words intersect, they are kicked out by the group owner. However, another group of people was lurking in the group at the same time to collect.
The collectors generally don’t make a sound in the group, silently taking a small book to remember those debts that they don’t plan to repay. If the debtor mentions the platform they are collecting, the collection will pick up the debtor and let him take a screenshot of how much money he owed, then write down the serial number of the debtor along the screenshot, and then The platform back-end database finds out who this person is and collects it at a fixed point.
Of course, there are also platforms for surviving, but under the flood of debt evaders and policies, they are not survivors. Flash Silver and Lightning Borrowing are among the largest online cash lending giants. Since the country vigorously cracked down on illegal lending in early 2019, debtors have successively thought that these platforms are no longer protected by law and began a round of debt fleeing.
However, during their escape, they found that these loan shark platforms that exceeded the legal red line sent them into the credit reporting system. All along, many of Silverbank’s loan projects have been directly reflected in credit reporting. Until mid-May, many lightning loan debtors discovered that they were listed as a blacklist of debt evasion in the central bank’s credit reporting system. This exploded among the group of debtors. They assembled and began to report and complain frequently. Soon, both Flash Silver and Lightning Loan were investigated by the police.
In the past two years, the online loan industry has been surging, P2P thunder, 714 anti-aircraft guns were destroyed