Next, I borrowed money directly and said that he needed 2000 yuan for turnover and gave it to me tomorrow. I thought that 2000 was not much, and I saved my friend's life, so I readily agreed. As a result, he came back within two hours, and I really didn't take it seriously at first.
The next day, it was the same excuse, and the turnover was still 2000 yuan. I thought it was so simple for the first time, but this time it should be no problem, so I borrowed it readily. He returned it to me the next day. It is not difficult to borrow this again.
I thought it would end here, but the nightmare has just begun!
A few days later, he suddenly asked me how much money he had and needed it urgently. He would pay me back in two days. I didn't go to work at that time, and I actually had more than 10 thousand spare money at hand, so I told him foolishly that there was almost 10 thousand, and I told him enthusiastically that I wasn't in a hurry to pay it back, so that he could solve his urgent needs first and transfer it to him quickly.
I thought that with the previous two experiences, I should be fine this time. As a result, he came to me a day later, not to pay back the money, but to borrow money.
He told me that he had some problems doing business with his uncle recently and the capital chain was broken. They are trying to ask me if I can help him with loans on major loan platforms. He borrowed all the people he could, but it was still not enough.
At first, I refused because I couldn't even use a credit card myself, let alone an online loan platform. But he came to me crying from time to time and sent me a good friend card. I was moved by sympathy and promised to help him borrow money.
58.JD.COM, online merchant loans, micro-loans and Bai Hua lend more than 70,000 yuan at a time, with loan terms ranging from six months to one year. He also promised to pay back the money on time every month and never shirk it! Then came a pair of words of thanks and gratitude, which held me high and gave me a feeling of doing good by myself.
Now I think I'm stupid. I don't discuss such a big matter with my husband. I regret it!
In fact, there was fear at that time. What if there are so many? So I often tell him to be on time, so I will pay him back on time in the first month, and sometimes I will give him a few extra fees. The second month will be on time as always, and so will the third month. I think as long as I pay him back on time, it will be over in a year at most. He solved an urgent need, and I did a good deed. How harmonious and friendly I am!
But the reality is not as beautiful as I thought. In the fourth month, I said that the capital turnover was not enough and I was fooled into taking some money. I took the time to calculate, although I paid it back on time every month, it actually totaled 654.38+ ten thousand! I quickly sent him the settled account, and he said calmly, nothing ~ their business is improving and they can pay me in one lump sum soon. Looking at his confident words seems to give me a reassurance.
That's it. I borrowed it while I was still borrowing it. The Chinese New Year is coming, and everything is getting better. As a result, the epidemic broke out!
He told me that their business was ruined, and so was their plan to settle it for me once and for all. He also owes a lot of debts, but he will find a new job and try to pay it back to me every month so as not to let me, a pregnant woman, have any worries.
And I was lucky enough to give birth to a lovely and healthy baby girl at the worst of the epidemic a few days later. The next day, I was supposed to have a good confinement and take care of the children, so most of my thoughts were on physical recovery and the baby, and I forgot about it.
Until a repayment failure message reminded me that they existed! I hurried him. He said he was still looking for a job and trying to find a way. Let me take my time. If there is no other way, I will borrow some money from the platform for emergency. He will find a way as soon as possible.
In order to have a good rest for a month without being disturbed, and he really has no repayment ability, I had to borrow some money from the platform and return it to the platform.
At that time, the withdrawal amount in Bai Hua was the highest, and I didn't know how to operate it. He sent me a payment code. As soon as I borrowed it, the money went there, and then he called me back. But sometimes he calls me less or doesn't call me, saying that he borrowed the platform himself. If there is something urgent, he will return it first, making me overdue for a few days, and then I will borrow it from other platforms, just once or twice.
At this point, I have been out of the month. One day during my lunch break, I suddenly received a phone call, claiming to be the staff of the flower garden, asking me why the flower garden was overdue, and whether I knew it was illegal to cash out. This is the first time for me to encounter such a thing. After receiving such a call, I told people truthfully that I would repay the loan on time. My mother-in-law is by my side at this time. I wonder if she heard our conversation and guessed something.
Without any extra thoughts, I quickly contacted my friend and told him about my situation and my worries, but he comforted me again and again, as if I was used to it. Don't worry, he himself received a subpoena from the court. He also said that if you have money, you must give it to me as soon as possible.
So, I was fooled and comforted.
After that, I will experience such things every month, such as the failure of short message repayment, dunning phone calls, threatening dunning phone calls, overdue notice ... These are all like the devil's nonsense, pulling every nerve at will, and I began to become anxious.
And he, when looking for him every month, will push from pillar to post first. When I'm really overdue for too long, just pay me back some of it first, and then I'll help you, and you'll also help me play an emotional drama and let me lend it out. So so, so so, I'm crazy!
The arrears have changed from the initial 2000 to the current 65438+500,000. I jumped directly from postpartum anxiety to economic anxiety.
My husband found out during the period. Although I kept it a secret, it made me more anxious. I'm always worried that he will find out about it. What should I do if he does?
He is responsible for all the expenses of our family. It's very tiring to bear the burden of our small family at work. If he knows this, can he bear it?
I went to my friend's parents and told them everything now. They only have four words, and there is nothing they can do! His mother told me that everyone in their family now has hundreds of thousands of debts, and the family now has no money. Don't look for them again, it's no use looking for them, and don't lend him another penny!
And I, after all, have paid my ignorant kindness again and again!
I still have some trust in him. What can I do if I don't? As long as he can pay back the money every month, even if it is robbing Peter to pay Paul, my anxiety will be temporarily relieved!
Thinking about suing him, on the one hand, there is no substantial evidence of borrowing money. They are all borrowed on the online loan platform in my name, and the chat record has been deleted, for fear that my husband will find out. It's hard to ride a tiger now! On the other hand, I have one last trust in our friendship. I'm really stupid!
I used to think about going to work to earn money, but now that I have children, it is really difficult to find a job that is close to home and conforms to me in all aspects. You can only watch while watching!
I really can't count on my friends, and it's time to repay this month. What should I do?
I'm really in a hurry, please help me out, thank you!