A few days later.

On the muddy road, a fast old car drove slowly on the road.

There were three people sitting in the car, and the atmosphere was heavy and oppressive.

The driver is an old father in his early forties, his expression is complicated, his mood is terrible, and he can see that he is very irritable.

Because Peng Pengxing never expected that his nineteen-year-old son would secretly hide it from him.

The scholar's family borrowed money from a loan shark online, and they borrowed it and had no money to pay it back.

In the end, the east wall could only be demolished to make up for the west wall, and as a result, one of them owed more and more arrears, and the high interest was delayed for two months.

Relatives, relatives and friends all received malicious harassment calls to collect debts.

Suddenly, the whole family boiled and made a commotion, thinking that this stinky boy had done something illegal and undisciplined.

I owe so much money.

The corners of Peng Pengxing's mouth twitched slightly, glanced at his son who was sitting in the co-pilot next to him, and couldn't help but scold: "I've lost my face to you!"

Peng Pengxing's son lowered his head and didn't dare to speak, his eyes were slightly red, and he was obviously scolded and cried for a long time.

But he also knew that he had caused a big disaster, so he didn't dare to talk back.

Online loans are like drug addiction, which can make it difficult for people to get out, and many people basically can't get out once they get involved.

And especially some young people who simply have no ability to repay, because there is no income.

Therefore, once the borrowed money is spent, I don't have the courage to explain honestly to my family, so I can only borrow money to support the loan.

Many banks have also raised the threshold for credit card processing.

It's not easy.

So much so that the other party can only try to apply for a sum of money from other lending software, and then repay the debt that is about to mature.

This is a logical way to survive, but all borrowings need to pay interest.

This goes back and forth, plus some usual wear and tear.

The pit is getting deeper and deeper.

If an accident is overdue, not only will the interest rise, but the most terrible thing is that it will affect the credit report, resulting in being listed as a danger list.

In this way, the method of tearing down the east wall and making up the west wall is blocked.

Obviously, other people's lending software is not stupid, and they refuse to borrow when they know that there is a problem with your funds.

As a result, the road to tear down the east wall and make up the west wall became narrower and narrower, and finally a large area of overdue began to appear.

The high interest rate after the overdue is scary.

Soon he was cornered, so he could only borrow money from friends around him, and lied to various reasons to let his family pay him.

But as time goes on, the amount owed grows.

This balloon will always explode one day.

If the debt is not repaid for a certain period of time, the software begins to use the address book permission in the borrower's mobile phone to obtain the number of relatives and friends of the debtor.

Started frantically calling to harass the collection.

At this moment, the matter was exposed.

The family was worried and angry, and beat the child that night, but even that to no avail.

Because this high amount of arrears is not paid off in one day, there are harassing phone calls every day.

The most disgusting thing is that it's not just about calling your family.

Even relatives and friends have been disturbed, and it can be said that the shame has been thrown outside.

Peng Peng Xingxing felt that his hair was several white, and he glanced at the arrears of this stinky boy, he originally thought that it was a few thousand yuan, but he didn't expect that he owed tens of thousands.

It just so happens that my family has been short of money recently, so I can't help it.

If you don't pay off the money as soon as possible, you will only owe more and more, and these loan sharks are the goods that eat people and do not spit out bones.

In this way, I can only pull down the old face, take this stinky boy to find relatives to borrow tens of thousands of yuan for a transition, and pay off the money owed first.

……

And in another family.

It was a constant cry, and it was also a seventeen-year-old girl.

I secretly borrowed thousands of yuan online to buy a mobile phone, and now the profit has reached more than 30,000.

This amount of money is quite affordable for ordinary families, but their family is particularly financially difficult, and they are already struggling to survive.

Now all of a sudden, with this debt, it feels like I can't breathe.

"I ......"

"I'll kill you!"

The old and weak mother couldn't cry, hated that iron was not steel, and waved it towards her daughter's calf with a broom.

It was already scary to be able to see the bruises on the girl's legs.

And Dad sat on the chair next to him decadently and haggardly, covering his head and thinking of a way.

The smoke was burning.

It's like troubles are floating in the air.

The salary of the husband and wife is only more than 6,000 yuan a month, and there are elderly people to support, and they usually have to pay living expenses for their children.

The family really doesn't have much savings, and 30,000 yuan is equivalent to emptying their savings for several years.

In other words, if you get a little sick, you can only find someone to borrow money.

"Look at you buying your phone!"

"Look at you borrowing money secretly!"

The mother couldn't help crying while beating her daughter, as if hitting herself.

The heart is as uncomfortable as a knife.

This kid is really, so worrying.

In fact, the families who suffer from online loans are often some families with relatively poor economies.

Because only this part of the people are more eager for funds, and there is no way to ask their families for money.

On the contrary, those who have a little savings at home have paid off their debts before the interest rolls up.

Not to the point where it is unbearable.

The tired and haggard father looked like he had aged several years overnight, he flicked the ashes of his cigarette, and then said: "Scrape together the money from a few bank cards, and pay back the money you owe!"

"If you don't change it, there will be more and more. ”

The daughter choked up and cried out through gritted teeth, "But I only borrowed a few thousand yuan." ”

The reason why she was aggrieved was because she didn't borrow so much money at all, and she didn't know why she owed so much money all at once.

Obviously, when I look at it, the monthly interest is only two or three hundred yuan.

However, it is useless to say anything now, because the person urging the arrears has already called everyone he knows around.

I don't know if I thought something big was wrong with their family.

They all called them one after another to inquire about the situation, and the real good things don't go out, and the bad things spread thousands of miles.

Their reputations have been ruined.

……

Something like this.

It can be said that it is widespread, and it is all over the country.

Whether it is a wealthy family, or a poor family, whether it is a fourth-tier city or a first-tier city.

Hundreds, if not more, families have suffered.

Not only young people, but also some adults who are in need of money are also stuck in such a swamp and cannot extricate themselves.

In that messy, inconspicuous room at the moment, a boy in a hoodie was sitting in front of a computer, looking at a screen full of code data, his fingers tapping on the keyboard really quickly.

Crackling, no one knew what he was doing.