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大学生借校园贷深陷借贷泥潭:2万“滚”成20多万

2017-05-21 06:16:12   

觉得请同学吃饭很有面子,西安大学生小飞先后在借款平台借了2万元消费,结果深陷借贷泥潭,贷款总额“滚雪球”至20万,父母掏空家底还借了10万元才还清贷款。

接到催债电话母亲被气得三天没吃饭

王女士的儿子小飞在西安某高校读大四,今年3月,王女士接到多个催债电话,称儿子在外借贷。王女士当时不相信,直到儿子承认是在网上借款平台借了几千元,因为逾期未还加上利息等总欠款为3万元。王女士悄悄地把这笔欠款还了,没有告诉任何人。

到了4月,又有催债电话来,这次儿子说还欠5万元,王女士又还了,但心里实在接受不了,气得在床上躺了三天没吃没喝,丈夫问起来只说是病了。5月,催债电话打到丈夫那里,事情这才彻底暴露。

“我们没收了他的手机,等着催债人来讨债。”王女士说。

还了20多万元实际借款只有2万

和儿子沟通后王女士才得知,最早的借款发生于去年11月,因为儿子觉得请同学吃饭唱歌很有面子,就在网上借款平台借钱消费,借了8000元,后来又陆续借,总共借了2万元。网络借款平台的贷款很好申请,只需提供学籍档案、身份证原件、手机通讯录即可,借钱时会要求付押金,如实借600元但打借条就要填1000元,约定一周内还清本金600元,否则就要产生利息每天400元,不然就会告知家长和学校。担心被家人发现,儿子只好采取“拆东墙补西墙”的方式,刚开始在借款平台到处借钱,后来发展为向借贷公司借钱。

昨日,王女士拿出给儿子还款后的手机交易记录及一沓刚从借款公司要回来的借条,为防止儿子继续借钱,王女士在借款平台注册了账户,用儿子的账户从她的账户里借走16万元,用完了借款平台的30万限额。交易记录显示还款总额为11万多元,加上之前还的8万元,已给借贷公司还钱达20多万元,基本还清欠债。借条中数额最高的一笔为5万元,王女士称实际借款数额只有1万元,其他4万为押金,借款公司知道学生急于用钱就以这种方式把钱借给他,如果逾期就要按照借条约定还款5万元。

借贷群里有70多人 有人用看病钱替孩子还款

最近几天,王女士夫妇天天跑借贷公司给儿子还钱,有的公司戒备心强,还款地点约在马路上,一手交钱,一手还借条。王女士家只是普通家庭,丈夫打工每月工资只有2000多元,王女士在家照顾生病的婆婆,女儿去年大学毕业,儿子眼看要毕业了,没想到出了这样的事,他们掏空家底又借了10万元才给儿子还清债务。

“我反思后觉得自己对儿子太偏爱了。”王女士说,儿子调皮学习也不太好,担心他惹事所以经济上放得松,每个月给儿子1200元生活费,女儿从大二就开始带家教自力更生每月给400元生活费。

“希望此事能给大学生敲响警钟,不要再铤而走险了。”王女士说,儿子的手机上有一个QQ群,里面70多人,都和儿子情况一样,华商报记者在该QQ群看到,有人称父亲用看病钱替他还款。

原标题:大学生借校园贷深陷借贷泥潭 2万“滚”成20多万

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