The essence of routine loan is actually a scam, the purpose of which is to cheat money. Most scams in the market are covered with gorgeous coats. "Routine loan" is mainly under the guise of private lending, falsely claiming various preferential conditions, circulating funds through "inflated debts", arbitrarily identifying breach of contract, and collecting money by means of violence or threat of violence, so as to achieve the purpose of illegally occupying other people's property. In order to trick borrowers into taking the bait, these criminals often use various means and wear masks at the same time: loan contracts are carefully designed, and some even come from people familiar with the law, which have the elements of legal lending. This "seamless" scam not only makes it difficult for borrowers to accurately distinguish, but also makes the judiciary puzzled.
"Routine loan" also has certain requirements for borrowers. Generally, they choose some groups with weak discrimination, and these people are more likely to cheat. In recent years, many popular campus loans are covered with "routine loans". Criminals use the weakness of students' lack of social experience in school to collect violence from students who accidentally fall into the trap. By the end of 2002 1 and1,the relevant departments had made some achievements in controlling illegal campus loans, but they could not relax in cracking down on "routine loans" for a moment. If we want to completely ban "routine loans", we must take a radical approach to its black and evil nature.
In a real case, a person named Ahua (a pseudonym) borrowed more than 1000 yuan through the mobile APP, and the loan period was 7 days. Later, due to the inability to pay high overdue fees, he was violently urged. Lending gangs repeatedly urged Axiu and his family to ask for money by phone and WeChat, and then synthesized nude photos of Axiu, and marked the words Fan Mouxiu betrayed himself to pay his debts on the photos and sent them to himself and his relatives. Ahua couldn't bear it, which eventually led him to jump into the river and commit suicide.
Here, I suggest that the loan must be repaid through formal channels. If it is not changed, personal credit information will sometimes be affected; If it is an unreliable platform, you should call the police at the first time to minimize your losses.