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杭州母子称遭遇“套路贷”:借30万两月变百万 立案困难

2017-09-06 10:25:45   中国青年网

已经连续十天了,杭州王阿姨(化名)每晚都要吃两三种安眠药,才能勉强睡上三四个小时。

有时候她会突然惊醒,“是不是有人砸门哦?窗玻璃有没有被打破?”直到看到身边依旧熟睡的丈夫才狠狠说服自己,“没事,没事”,“但是,是真的没事?还仅仅是尚未发生?”一旦陷入这样的猜想,一晚上的睡眠又沦陷了。

一切都是从十天前那个五大三粗,手臂纹身,戴拇指粗金项链的男人来到家中开始的。男人说,王阿姨的儿子欠了他们100多万元,如果再不还,就要上“措施”了,但是儿子说“妈妈,我就借了30多万元,确实是30万呀”。

接下来该怎么办?

王阿姨打进钱江晚报热线96068求助。

小伙子爱买设计师品牌

一开始就是借一两万掉个头

王阿姨的儿子去年7月大学毕业参加工作,在某网络公司做销售。满心好强的他总觉得一旦工作了就不能再向父母要钱了。但是一个月5000多元的收入根本打不住他平时的开销。

要说男伢儿日常开销无非就是吃饭,看电影,玩乐,偏偏这个孩子对穿着特别讲究,他喜欢设计师品牌,一件衬衫千把元,一件夹克2000多,去年他还按揭买车。

因为工作经历短,收入低,名下没有房产,正规银行贷款他不大办得出。 当时在银行做信贷的一个朋友给他介绍,你可以向那些小额贷款公司借借看。

去年10月,小伙子在网上找了家小额贷款公司,一开始借的是一两万元的“小钱”。“我借1万元,实际到手七八千,然后十周内分期还清,每周还1000元”。

小伙子说“这个我觉得还好”。

但是钱江晚报记者昨天请银行工作人员算了一下。到手8000元,每周还1000元连续还10周,其实年化利息已达200%。

因为借得多还的少,到今年4月,小伙子欠款总额达10万元,债主是六七家小额借贷公司,每个公司每天十来通催债电话,后来发展到有人跟着小伙子上下班。

酒吧里有个热情的哥们说我帮你平账

这里面的套路究竟是怎样的

今年5月的一天,小伙子在酒吧里,遇见以前在借钱时有过一面之交的林某。林某说,要不我帮你平吧。

“平账”的意思就是林某出借一大笔钱,小伙子将前面那六七家公司的借款统统还掉,转而只欠林某一人。小伙子感激不尽。

林某在一周内分三次每次5万元一共转账给小伙子15万元,说明其中5万元是利息,在小伙子收到15万后,直接取5万现金出来给林某算利息,其余10万去平账。 (记者注:借贷公司套路很深,利息是取现,银行流水是15万,这样就是从证据上将借款固定为15万元。)

没过多久,林某说,我再借你点,你可以把前面的这15万元还掉一些,否则利息滚起来很厉害的。(记者注:发现没,这里林某算的本金依旧是15万,尽管小伙子一开始拿到手的只有10万)。

然后,小伙子再向林某借7万元,利息2万,实际到手5万元,去还之前的15万元中的部分。

这样算下来,为了平之前的10万元(其实也是包含了大量利息),小伙子转而欠下林某17万元(15+7-5)。

放贷时抽走利息,短期不还再计息。然后借钱给你还本金,又抽利息又计息。

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