"Ms. Xu, right? You owe our company 120,000 yuan. It is due on the 20th of this month. If it is not paid overdue, our company will take it to court. If you are really in difficulty, I can provide you with two options. One is a house. , vehicle mortgage, and second, business project transfer..."
"Hello, is this Ms. Xu? I am Xiaomi, the personal customer service of the Baba platform. The 200,000 you borrowed from our company has expired. Please log in to the APP within three days to repay. The interest within three days will still be calculated based on the loan interest. If it is overdue, It will be transferred to our Ministry of Justice..."
"Hello, Miss Xu, the credit card you applied for with our bank has accumulated a debt of 85,320 yuan. It has been overdue for three months and has not been repaid. Late payment fees..."
"Hello, Miss Xu, the credit card you applied for with our bank has accumulated a debt of 11,250 yuan, which is overdue..."
"Dear customer, if you have overdue repayment of the loan business handled by our company, late payment fees will be charged on a daily basis from now on. If you still fail to repay within ten days, you will be sued in court."
"Xu Yin, this is Jiang Haiyan. I haven't answered your call. You asked me last year if you could pay me back the 20,000 yuan you borrowed? I know you are not short of money, maybe you forgot, but I need it urgently, can you? Will you pay me back first?"
"Sisters, why haven't you been out playing recently? I haven't answered my phone calls. Why are you flying? A few days ago, AI launched a new bag. Let's go take a look!"
"..."
When Xu Yin opened her eyes, she received no less than ten debt collection calls, six or seven debt collection text messages, and several text messages asking her to go shopping and spend money.
I was already a little dizzy when I first put it on, but now my brain hurts even more.
This is also a movie she has watched before. The protagonist is Xu Shan. She graduated from 211 College and returned to her hometown to take the public examination. After entering the system, she was pursued by a male protagonist in the same department. The story revolves around the comfortable and warm work and life of the male and female protagonists. Everyday unfolds.
The original body that Xu Yin took on was Xu Shan's next-door cousin, a vain female supporting role who was above all in hedonism.
I am 23 years old this year, graduated from college, and have been employed for two years, but I spent three days fishing and two days working online. No job lasted more than half a year.
In addition to being tired from work, vanity is also causing trouble.
Although her family conditions are average, she insists on portraying a white, rich and beautiful character.
Since I entered college, all the clothes I wear, the bags I carry, and the electronic products and cosmetics I use must be branded products.
When I was in school, I was a little more restrained. Although I bought brand-name goods, they were not luxury goods.
All she used was her parents' money. When she didn't have enough living expenses, she called her parents to ask for money. The excuse was that the school was organizing activities or sending her to participate in national competitions, and she had to bear the travel expenses herself.
Xu's father and mother, who have primary school diplomas, didn't know this. They thought that their daughter was highly valued by the teachers at school. There were competitions and activities every day, and money flowed from the couple's pockets to their daughter in the big city like water.
But after graduation, I no longer have these excuses.
Besides, she still knows how much money her family has. Although her family has a mountain cherry orchard of about five acres, all they grow are small cherries. Nowadays, big cherries like cherries are popular. Small cherries cannot be sold at high prices. It would be good to earn 80,000 to 90,000 yuan a year.
Therefore, after her parents' savings were almost squandered by her, she began to turn to online loans.
As soon as I stepped into the door of online loans, I discovered that borrowing money is so convenient. Just fill in your ID number, register your home address, and your parents’ information and you can buy new bags and cosmetics?
This borrowing is out of control.
She is obsessed with luxury goods, and ordinary brands cannot satisfy her anymore.
The first job I found after graduation was as a secretary in a foreign trade company.
As a secretary, of course you have to dress up nicely.
She wore clothes, jewelry, and bags worth five figures, and she really won the envy of her female colleagues and the admiration of her male colleagues.
However, she has no intention of falling in love for the time being. The male colleagues in her work unit are all quite unattractive and their family conditions are mediocre, not worthy of her beauty.
What she enjoys is the envy of her female colleagues.
But after all, she is not the real Bai Fumei. If she only spends a short time with her colleagues, she might be able to pretend, but how can she pretend to be fake after a long time?
You can’t just carry the same bags and wear the same luxury clothes all the time, right?
So, she changed jobs every few days. Every time she arrived at a new unit, she would use her original equipment to make herself rich and beautiful. She would go shopping with her new colleagues, buy a set of expensive cosmetics or new bags, and win the envy of her colleagues. Look at the eyes, enjoy the feeling of being praised, and if money is tight, choose another one.
She comes and leaves in a carefree manner. In the eyes of her colleagues, she is just a fair and beautiful person who takes work as a pastime and has no pressure to survive.
But in fact, I owe a lot of debt.
Two years after graduation, I owed no less than 700,000 yuan on the online loan platform alone. I also applied for more than ten credit cards, and I owed almost 300,000 yuan in total.
In addition, she also asked her junior high school classmates and high school classmates to borrow money. She almost borrowed money from all her old classmates before junior college.
The borrowed money is mainly used to repay the interest on online loans.
If the interest is not paid, the online loan company will repeatedly demand payment. Now she cannot pay the principal amount at all, so she can only pay back the interest first, and she can only survive one day at a time.
If she couldn't borrow money from her classmates, she would go to her parents and tell her that she wanted to change her job, but the job she was currently in was not suitable for her and that it didn't suit her. They said people in big cities had too much trouble, were careless, and always pushed her against her.
The parents were heartbroken after hearing this. It was indeed very difficult for a child without money to settle down in the city, so they transferred the money they had earned from growing cherries to their daughter's account so that she could eat and drink when she should. I felt wronged because I had no income when I changed jobs, but I was frugal.
It wasn't until her parents couldn't come up with the money, and none of her classmates were willing to lend her money, and online loans and credit cards began to swamp her, saying that if she didn't pay back, they would hand her over to the legal department for prosecution, that she started to get scared.
But the debt of more than one million yuan cannot be paid no matter what.
So he secretly mortgaged his family's house and cherry orchard to an online loan company.
When the debt collection agency came to the door, Xu's father and Xu's mother realized that the daughter they held in their hands, who would rather suffer than suffer any injustice, had lost the family's only house and the cherry orchard on which they relied for survival.
The couple seemed to be poured with a basin of ice water from beginning to end.
Although the online loan company cannot really take away the Xu family's cherry orchard and house based on the contract and land certificate, it is natural to pay back the debt. The monthly interest of 1.99% is indeed terrifyingly high, but it is not illegal, even if it is taken to court. , the debts that should be repaid still have to be repaid.
What should I do if I don’t pay it back? Are you watching your daughter being cornered by a debt collection agency?
Finally, Xu's father's cousin, the father of the heroine in the original text, bought his family's house, and a large piece of land next to the house was almost half bought and half given away.
The cherry orchard and the cherries that were about to mature were bought at a low price by a cherry buyer.
But even so, all the money from the sale was still not enough to pay off the debt, so the couple had to go from house to house to ask relatives for help.
In the end, it was Xu's father's younger brother who privately borrowed a sum of money from his own brother, mainly because he was worried that if the incident got too big, the news would spread to the old man's ears, making it difficult for him to recover from his illness.
But unexpectedly, Mr. Xu still found out. He was so angry that he was sent to the intensive care unit overnight.
After Xu's father heard about it, he was firstly ashamed of his father, and secondly he was so angry at his daughter's indifferent attitude that he suffered a myocardial infarction on the spot.
Although he was rescued, his brain was deprived of oxygen for too long and he became a vegetative state. Doctors were not sure when he would wake up.
Xu's mother's hair turned gray overnight and she ran around looking for relatives to raise medical expenses.
But that is not an ordinary disease, it is a vegetative state that may drag it down for a lifetime. Can it be borrowed for a while, but can it be borrowed for the rest of the life?
Xu's mother's eyes were swollen from crying. She was helpless. She found her daughter and persuaded her earnestly: "I used to treat you as ignorant, but now that the family is in this situation, you should be a governor. Your father is still lying in the hospital. When will he wake up?" I don’t even know, but the daily medical expenses are several hundred. Mom asked the head nurse to help her find a job as a nurse in the ward. You should also find a job and work hard..."
The original person didn't regret it until then, but instead thought Xu's father was a burden. I heard that the medical expenses cost several hundred a day, and she was the only child in the family. She would have to bear the burden from now on?
That night, she sneaked into the ward and took off her father's oxygen mask.
No matter how secretive it was, it was still captured by the surveillance camera in the corner.
On the day her daughter was arrested by the police, Xu's mother fell down the stairs in despair and died on the spot.
This is the fate of the cannon fodder family who serve as the control group for the protagonist's happy life.
Xu Yin twisted her eyebrows with a headache.
According to the original article, at this time, the original person had not yet paid the interest on the online loan and the bank's late payment fee, so he returned home, stole the real estate certificate and the contract for the cherry orchard without telling his parents, and mortgaged it to an online loan company.
Should she be thankful that she got through it in time?
(End of chapter)
