-01

“I borrowed 50,000 yuan from an online loan for my best friend, and I was forced to commit suicide.”

A female reader sent me In a private message, she said that her best friend's business failed last year and the capital turnover was limited. If there was no further capital injection, the several stores she opened would have to close down. She did not want to give up the business she had worked so hard to build so quickly.

The female reader’s best friend borrowed money from friends and relatives around her. She had borrowed 200,000, but it was not enough to run the store, so the female reader’s best friend asked the female reader for her ID card, saying she wanted to Help her borrow 50,000 yuan in online loans, and she will repay the money herself every month. She just needs to borrow the female reader's ID card.

The female reader has known her best friend for 6 years. She felt that the relationship between the two was so good, and her best friend also helped her a lot. When the cosmetics store launched new products, they would give many to the female reader, so she agreed Accepted my best friend’s request.

When she first started borrowing money, her best friend would hint at giving her money, and she would have to repay more than 4K every month; but after only three months of borrowing money, her best friend started to make excuses not to repay the money, saying that it was temporary. If the account is not received, ask the female reader to help pay it back first, and then transfer the money to the female reader together.

After helping her best friend repay the loan for 5 months, the female reader finally couldn’t bear it. Her monthly salary was only more than 3,000 yuan. She didn’t eat or drink every month, and she had to lose her savings. Come to help my best friend pay back the money.

Seeing that the deposit is almost gone, my best friend still hasn’t sent the money back.

When she contacted her best friend again, the female reader found that her best friend’s mobile phone number was out of service and her contact information had been blocked and deleted. She went to her best friend’s home to look for her best friend, but was told by her best friend’s parents: She already had 1 I haven't been home for many months, saying that I went to work elsewhere.

When the female reader stopped paying back the money, she was contacted by various debt collection calls, including her relatives, friends, parents, and colleagues. In the end, the female reader lost her job. He was fired from the company, all his savings were spent, and he was scolded by his parents.

The parents of the female reader are also honest rural people. The family has little savings and has never experienced such a thing. She was panicked for a while and didn't know what to do.

As for that loan, with compound interest, although more than 30,000 yuan has been repaid, after all, more than 50,000 yuan will be repaid.

Finally, she couldn't stand being called for debts and scolded every day. The female reader changed her contact information, but she was still bombarded with calls. Unable to endure the painful torture, the female reader once wanted to commit suicide.

In the end, I had no choice but to force my best friend’s parents to help pay back the money; but my best friend’s parents refused to admit it and said: Why should I help you pay back the money you borrowed using your own ID card? Who can prove that my daughter borrowed it? Why should we share the money you borrowed?

After recalling this unbearable past, the female reader said: It took her more than half a year to borrow money from relatives around her to make up for the debt; after this experience, she The relationship with my best friend has completely broken down, and I am still looking for my best friend to try to recover the money.

-02

A person can give up his moral bottom line for the sake of profit

As a human being, credit comes first. If a person does not even have the most basic trust, If you lose it, you may lose all your friends and all your family ties in the future.

You can deceive your friends once, but there will never be a second time, because your personality and character will be spread in your circle of friends until you are in the circle around you. There is no way to live on.

Some people can even lose their most basic moral bottom line for the sake of profit and money; they do not recognize family affection or friendship, and only see superficial interests and money.

But the money you spend is based on the pain of others, and the benefits you obtain are obtained through deception and deception to deceive your friends into trusting you.

Don’t you feel any guilt in your heart when you consume, waste, and spend?

Some time ago, my neighbor had a quarrel with his brother. The two families were very tense. Now they are in a cold war. No one wants to talk to each other. He is in his 30s and has been a brother for more than 30 years. , and finally broke up because of a fight over their parents' savings of 100,000 yuan.

For 100,000 yuan, two brothers can turn against each other. Is it ridiculous?

Many netizens left messages under my article, telling their experiences of lending money to friends and then not repaying the money; some lost thousands of dollars, and some lost tens of thousands of dollars.

When borrowing money, my friend said all kinds of things and promised that he would pay it back to you within a few months.

But when it came time to agree on a repayment date, the other party kept delaying and finally refused to admit that you had lent them money. You had no evidence anyway.

Because of this little money, you lose a friend and a person's trust in you. This is a loss.

You have lost the precious wealth around you for the trivial things in front of you. This person is not a bad person, he is stupid.

-03

How should we avoid being deceived by those around us?

First: No matter how good the relationship between the two of you is, don’t act as a guarantor for the other person easily, let alone lend the other person’s ID card

What does the ID card mean? It means that your identity means that the other party can use your ID card to do many things, good or bad. In the end, you are the one who bears the consequences.

Don’t act as a guarantor for the other party easily. If the other party refuses to accept the credit, you will also suffer the loss.

Just like the female reader, she was deceived after being a best friend for 6 years?

Second: If the other party asks you to borrow money, and the amount exceeds your bottom line, you must issue an IOU.

There are too many things that do not repay the borrowed money. If the other party borrows money, I want to borrow a lot of money from you, and you have worked hard to save the money for a long time, so it is necessary to issue an IOU.

Send an IOU and press your fingerprint. This is evidence that you can produce if the other party does not pay you back in the future.

Third: If you really lose a lot of money, you must take up legal weapons to protect your rights and interests

The other party made a mistake, but let you bear the consequences; if Your losses are huge, so no matter what, you should look for favorable legal weapons and find a lawyer to see if you can recover your losses.

Since the other person has abandoned your relationship, why should you bear the consequences of the other person’s mistakes?

Not everyone can keep their word and keep their word; a credibility crisis may happen to those closest to you.