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男孩因为生活费不够用向社会贷款伸手,巨额债务难以偿还全家遭殃
小张是今年九月份考上的大学。虽然每个月有一千多元的生活费,但是依然满足不了小张的日常开销。在同学们的推荐,小张接触到了“校园贷”。可是没想到,正是这个校园贷让一家人有家不能回。
小张表示,借的第一笔钱,是因为自己生活费花的快,不够花,正好这时看见网上有借钱的公司,想也没想就借了一千元,想着有钱的时候还上就可以了。一千多元并不是巨款,可就是这小小的一千元钱,竟然成为了一家人噩梦的开始。
然而这笔还不上了,就在微信上某个平台又借了一千元,然后这个又还不上了,借款的人又介绍别的放贷人,从别的地方借,拆东墙补西墙,一共借了多少钱三四万,而小张只花了最初的1000元。
有人替小张算了一笔账,从2016年12月份开始,到2017年5月,这期间五个多月时间里,小张共借款近八十次。平均每天一到两次,每次四五千元,共计欠款42万。
这些放贷公司不但互相牵连,还有完整的一套放贷流程。比如借了两千元,到手只有八百,而这个两千元打的是双倍的借条。不论是面对面借款,还是网络借钱。小张真正到手的钱,远远低于他给别人打下的欠条。目前,小张父子已经打算继续寻求辖区警方保护,并用法律维护自己的合法权益。
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