2018, breathe out begin to circulate all sorts of nets borrow APP in a few colleges of city, all sorts of nets borrow small advertisement wanton transmission. A few people begin to make the decision that hauling borrows, the net that help a person is borrowed can earn deduct a percentage from a sum of money, a lot of undergraduate be involved in like the pony among them.
Use individual information lends APP borrow or lend money through the net, turn to actual borrower again, can obtain the deduct a percentage from a sum of money with loan corresponding amount. And, loan need not oneself are returned, when expiring, actual borrower can help their reimbursement. Look be like what can make money without any risks " part-time job " , let a lot of undergraduates eat a heart.
However, when actual borrower insolvent, the borrow or lend money that the net lends APP to go up became undergraduates oneself debt.
The net that help a person is borrowed can take 10% deduct a percentage from a sum of money every time
In Feburary 2018, in breathe out city some college is contacted with respect to read Xiaogeng in E Er much this the pony that city reads, because of machine of him wash one's hands of, request him to help loan buys ministry mobile phone. The pony hesitated two days, but considering Xiaogeng and his is classmate of junior high school, understanding is old, call for many times plus him seek a help, pass register " in installment happy " , loan bought Ipone8 mobile phone to mail directly Xiaogeng. Xiaogeng gave a pony 400 yuan acknowledgment cost, affirmatory meeting is returned on time in installment return the fare that the pony buys a mobile phone.
Later, small Geng You finds a pony, say oneself have a part-time job, hope pony works together accordingly. Xiaogeng lets a pony download " pat pat borrow " " show silver " " extremely fast borrow " wait for APP, the money that after real name registers information, will lend on APP turns to oneself, every time pony can take the deduct a percentage from a sum of money of 10% . Go up in software as to the pony in installment loan, small Geng Ye can help a pony still go up on time.
Pony also the locomotive mode of the capital in hand of Xiaogeng of Ceng Yi Lv, fear this kind of part-time job does not rely on chart, enquire whether Xiaogeng has a company, dan Xiaogeng had not had many divulge, just say this kind of part-time job can take deduct a percentage from a sum of money, if believe, follow him to work. Stem from the accredit of pair of old friends, at the same time every month is in fact of small Geng Que on time reimbursement, the pony had not had many examine minutely.
Occurrence problem is real borrower cannot on time reimbursement
In March 2019, xiaogeng and pony say to need to sign for you reimbursement agreement, trade what had not signed before to fill on. The pony thought of to have this for you reimbursement agreement, had written safeguard.
However, for you reimbursement agreement is not signed face to face however, the mail after signing by the pony however sends Xiaogeng, after Xiaogeng signs, take a picture to stay to save to the pony. So, the pony was taken only for you the photograph of reimbursement agreement. This thinking signed an agreement to have safeguard, however its development beyond the pony's expect.
Some undergraduate and Xiaogeng sign for you reimbursement agreement picture by suffer the person that visit to offer
Should do likewise " part-time job " the classmate makes a telephone call to the pony, the financing that the pony just knows Xiaogeng appeared problem, had done not have money to help their reimbursement again now. Right now the pony had registered 78 APP to borrow about 20 thousand yuan, small Geng Que cannot on time reimbursement, this means a pony to want this to pay off 20 thousand yuan debt.
Subsequently, they contact Xiaogeng to ask to give out to reply clearly, him character of small honest and frank did not have money to still had not risen on the body.
Involve much person net to borrow highest amount to amount to 40 thousand yuan
The pony just knows later, do through Xiaogeng " part-time job " have 130 much people, involve Chi Feng, E Er much this, Baotou, Huhhot each student of big college, still have the student of and other places of Dalian, Anhui, Jilin even, these nonlocal students are through the student of Inner Mongolia area mutual introduction is joined commonly " part-time job " . They carry the amount that all sorts of leasehold APP lend, everybody 1 differ to 20 thousand yuan, highest person achieved 40 thousand yuan. Xiaogeng helps their reimbursement feebly now, mean themselves to want to assume the liability of high specified number.
The net of some undergraduate borrows record picture by suffer the person that visit to offer
According to small Geng Tong school student says, xiaogeng falls ill because of family already suspend one's schooling, do not be in the school now. These students cannot contact him Xiaogeng, the reporter also tries to get in touch through mobile phone and Xiaogeng for many times, all abortive.
But under, the student was forced to declare alarm.
The reporter understands, on April 2, breathe out substation of area of spring of jade of city public security bureau already put on record.
On April 3, the reporter is called " pat pat borrow " customer service hot line, customer service personnel says application " pat pat borrow " loan, need downloads first " pat pat borrow " register individual information with Id, undertake credit is evaluated, after passing but loan. To " pat pat borrow " the net lends intelligence, customer service personnel expresses " pat pat borrow " it is one closes legally of compasses appear on the market company. The reporter can be contacted to reply again after customer service personnel says pertinent question, but up to on April 3 afternoon 5 when, the reporter did not get a response.
On April 3 morning, the reporter is called early or late " show silver " the limited company of science and technology of Beijing Shan Yinji different that APP place belongs to and " extremely fast borrow " the Shanghai that belongs to praise serve limited company with financial information, but the phone all did not put through.
Lawyer: Two kinds of law exist to concern in this incident
Inner Mongolia sincere install division of attorney office Zhang Lv to think, two kinds of law exist to concern in this incident, one kind is undergraduate and the Xiaogeng such as the pony between entrust reimbursement contract to concern. If the pony waits for undergraduate and net to borrow platform loan contract effective, criterion of pony and Xiaogeng entrust reimbursement agreement to also ought to be maintained for effective. The undergraduate such as the pony can ask Xiaogeng continues to fulfil reimbursement agreement. But if Xiaogeng stops reimbursement, the person such as the pony must him go ahead of the rest borrows platform reimbursement to the net, can ask Xiaogeng's responsibility of breach of contract subsequently. Impact of another kind of legislation is the leasehold contract concern that undergraduate and the net such as the pony lend platform. The person such as the pony needs to repay leasehold amount.
Additional, zhang Lv division thinks, the person such as the pony borrows platform loan purpose from the net with oneself name is not him use, replace little brighting borrow or lend money however. If Xiaogeng is suspected of " cover a road to borrow " wait for illegal behavior, the person such as the pony should be known perfectly well, the likelihood is suspected of breaking the law jointly or commit a crime. After particular case still needs police to investigate qualitative.
Borrow platform to whether close to the net compasses, zhang Lv division says, the net borrows platform to whether have aptitude outward loan, need the relevant section basis such as industrial and commercial, silver-colored inspect to examine and approve company scope of operations to give maintain. This net borrows what whether incident involves to violate compasses illegal problem, still need relevant section to give investigation.
