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女学生为买iPhone6陷"校园贷" 被对方发裸照逼债

2017-07-09 04:46:20   西部网

大二学生小李:“然后就开始过上噩梦一样的生活,开始借钱还钱,整天都想着借钱还钱,他们整天打电话催债,白天没心思上课,整天都是电话,接也不行不接也不行,到了晚上催收的休息了,就不会给你打电话,只有到了晚上才能安宁一点。”

像其他借了“校园高利贷”的学生们一样,为了第一笔借款,就得有第二笔、第三笔、第四笔,循环往复,以贷还贷,窟窿越来越大。

小李:“图了一时开心,拿到手机,但之后自己就被这贷款缠住了。当时借了五六家以后,我还没有意识到,还想着瞒天过海,瞒着家里人。”

为逼债:讨债公司发来女生裸照

债主们并不是慈善家,当小李的以贷还贷无以为继的时候,催债的就上门了,威胁退学、威胁安全、无所不用其极。

李师傅:“对方发来了女儿的裸体照、电话骚扰,不管什么时候,半夜都给你打电话。”

虽然事后证实裸照是对方伪造的,但债依然在,小李算了一笔账,这笔账吓坏了父母。

小李:“前前后后后贷款总额有十一万多,实际拿到手的钱只有七万多,把所有的加起来一共要还二十三万多。”

如今的校园贷都有固定的套路,讨债公司应运而生,说话间,一家催债公司电话打了过来。

讨债公司业务员:“那你什么时候处理预期贷呢?”

小李:“我有钱就还了。”

讨债公司业务员:“行,那么这边流程继续走,什么时候还了什么时候停。”

小李:“什么流程?”

讨债公司业务员:“你别管,反正我今天休息,你可以安安稳稳过上一天。”

记者了解到,为了还债,家里砸锅卖铁凑了十七万多还给了这些放贷者们,但欠款仍没有还清。如果不是李师傅偶然间发现并夺下了女儿手中的安眠药,小李可能又成为一个被校园贷逼死的大学生。

小李:“我先查了‘人死债销’,就想知道人死了债能不能销,也问了跟我一样欠债的同学,他们说能,我就有了轻生的想法。”

律师:超出国家规定利息范围有权不还

律师介绍,小李遭遇的仍然是校园贷最常见的“砍头贷”形式。以借“校园贷”一万元为例,打两万元欠条,实际到手七千,中介费三千。而法律认可的,小李在借款一年之后仅仅需要偿还七千元本金及最高年利率1680元,合计8680元,而无需偿还两万元及其他不合理利息费用。李师傅一家决定,用法律维护自己的合法权益。

同时在这里,用小李的教训提醒广大在校大学生:树立正确的人生观、价值观、金钱观,远离高利贷陷阱。

小李:“这个校园贷太可怕了,攀比心理不能有。”

责任编辑:高宗影 CN060
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