“Beijing time survey” app, news on December 8, in November 2016, outgoing online “lending Bao-bare” package, borrow hundreds of women as security for a topless video leaked on the Internet, Feng Xiao is one of them. She used to borrow the treasure after the loan fully repaid, but the information was leaked, was in “naked credit.”
Feng Xiao, 20, a junior, read art discipline in Beijing. She has three years of net loan experience, by borrowing the treasure, staging, ants through platforms such as borrowing, up to a total of more than 30,000 yuan in arrears, “why money is every eyes.”
Feng Xiao family is not rich, one for arrears before, her naked through the QQ chat credits, but take away the video did not give money.
Time for her, is bleak, headache. “I pay, I don’t owe money lending treasure”, Feng Xiao “GMT” (micro signal: btime007) to talk, understand why their information will not be leaked, she cannot understand his “self-deception” bitterly regretted “sell themselves”.
“From iPad starts on the road to net loans”
Feng Xiao is not tall, 1.6-meter, black long down jacket wrapped her up, Black Hat covering half her face, face is plain, without a trace of makeup, don’t see the brand of black shoulder bag she put aside, looks to be a very naive girl.
“Time” (micro signal: btime007) and Feng Xiaoyue at a restaurant, “the last time my friends and I passed here, wanted to eat this”, Feng Xiao sat flipping through recipes, “seem to want to eat”, with light eyes, with a 20 year old girl, cheerful and childish.
Conversation between Feng Xiao from the bag and took out her iPad and cell phones, “my cell phone is not so good, I usually use the iPad.” Pink cartoon iPad case and red cell phone, add a little color to the Feng Xiao, from buying the iPad begins, Feng Xiao took the road of net loans.
Feng Xiao loan for the simple reason, just to buy buy buy.
“My first loan is starting from staging” big one time, Feng Xiao here purchase the iPad, then apply for more than 5,000 more lines, buy iPad spent more than more than 4,000.
Feng Xiao, “Sgt” introduces her school every year when the new school, staging and music will have a special person in school to make the promotion, “the student stage electronics, very normal.” Smooth, repayment of loans for the first time, Feng Xiao not only buy a few things, made her believe that they have the ability to repay.
“See something you love, always tempted to buy”
Feng Xiao from the County, by his mother, grew up in single parent families. Feng Xiao after his mother remarried and has a child, MOM and the burden of raising her two children on a man’s shoulders.
Feng Xiao enrolled in art college, annual tuition and living expenses need forty thousand or fifty thousand, despite the General family, mother to Feng Xiao 2500 a month living expenses, in their small town in the not-so-little.
“My dad basically whatever I, my mom just over more than 2000 per month salary, and three-year old brother”. Less well-off families, Feng Xiao is not willing to ask my mother for money.
“I usually spend too recklessly, see something you love, always tempted to buy” home each month for living expenses is not enough to support spending on Feng Xiao, her average monthly cost of living in the school 4000-5000.
“I do like to buy some good quality stuff, but seldom go to parties, bars, night club. Loans can really make life better, you can eat dinner, shopping, no longer have to put money into petal flower “. Government knowledge Council 7 leaders instructions
In all spending, buying clothes becomes her biggest expense, roughly one-third per cent of total expenditure. “Art girl dress flower more. Now is to see the face of age, everybody looks, if they are too dirty, will miss a lot of opportunities. ”
In addition, Feng Xiao still have daily interactions of spending, “classes frequently met and hundreds of each party, plus a classmate’s birthday, unknowingly spent the money.”
“Almost every day, live in the repayment”
When I first started, Feng Xiao never easy loans only when it is needed, will choose to microcredit.
Although saddled with loans, but Feng Xiao says that some of the money “when the flowers and still want to spend.” Increase in spending coupled with the lack of a spending plan, Feng Xiao again and again into a “loan-repayment-loans” circles.
“Lenders have told me a lot of real-life case from ten thousand or twenty thousand in the end owed millions of loans, but I still think that we’re not to that point.”
Feng Xiao knows that personal credibility is very important, therefore, before each loan, only lenders clearly inform, “as long as repayments on time, will not leak personal information” she will dare to loan.
Feng Xiao came back and forth on the platform of more than 10 loans and loan, Bao, stages, including lending, Ant take bus, Cao Cao the loan, cash and so on, each platform take the amount ranges from 1000 to 5000 Yuan.
Feng Xiao told “GMT” (micro signal: btime007), when she is up more than 30,000 yuan in arrears, in almost every day, live in the repayment, “stage before the tenth, silver Flash before the 14th, credit cards before the 24th … … Money day feels very long. “
“Loan money other platforms, select lending treasure”
In July of this year, due to Feng Xiao in major lending platform has several loans or overdue records, has been unable to borrow. In some corners of the Web site, she saw a QQ Group of loans information, “added after the discovery, QQ a lot of such groups”, in these groups, Feng Xiao touched on borrowed treasure.
Feng Xiao Bao platform, with QQ lenders in the loan transaction process.
Feng Xiao says most of the loan she borrowed treasure by QQ on lenders to operate. Loan period is typically a week, maximum of ten days, and has borrowed more than 10 times, and each time is around 1000.
“Before I did borrow treasure, someone told me, students do not borrow the treasure, compound interest, it is terrible. “Feng Xiao a bill if lenders borrow from QQ treasure borrowed 1000 Yuan, for a week at a time, loan interest is 300-500 Yuan, but lenders when loans, often for 200 Yuan, largely of 800 Yuan, but also after expiration of 1300-1500 Yuan.
Bao platform claimed to main acquaintance loans, lending, loan amount, payment date, interest rate defined by borrowers, treasure in lending platform, clearly defined annual interest rates between 0-24%. However, Feng Xiao loan experience, its lending real lending rates are already far exceeds the treasure platform 24%. In addition, Feng Xiao and their creditors never knew, this credit-Po propaganda of the so-called “acquaintances loans” contrary to and do it.
Feng Xiao Bao platform, borrowing loans, loans are the only House. Because of loan overdue compound interest, beyond the repayment ability of Feng Xiao, has been outstanding, arrears of 4000 Yuan.
In September this year, DUN directly to Feng Xiao’s mother on the phone, when his mother asked about the loan because, Feng Xiao says, “pay the rent without so much money”. Eventually, the mother she has the money, gave her this trouble.
“Want to take a big, still before the first”
“Borrowed more than 10 online lending platform, and is really annoying, everyday we waken is also money, wanted to take a big, put on before, I then slowly. ”
In August this year, Feng Xiao for many other online lending platform, and attempted to Tencent QQ to private lending. She is very clear, and this time she is using his own body as collateral, naked credit.
Feng Xiao knows that honor is very important, “but there is no way, is anxious for money”. Although the inner contradictions, she will use all kinds of excuses for yourself, “for example, the community is not as conservative as before, kissing, sex scenes are a lot; it’s like talking about a love, body being seen by others.”
Feng Xiao QQ Group in various lending close attention to naked credit advertising. She contacted a few lenders, particularly high interest rates, some communication problems. “There was a woman, I send her information, she was back the next day.”
By comparing different lenders identify the wording and attitude, Feng Xiao Liu Fenghua was ultimately selected, “a loan of 20,000 yuan 1000 Yuan a month interest on principal six months later in a lump sum, acceptable.”
Then, Feng Xiao Liu Fenghua requirements take naked photos, video, video 1-3-minute, Feng Xiao told “GMT” (micro signal: btime007), as required, in the video not only read the loan agreement to make masturbation clips.
“The contents of the agreement are, I was XX, now borrowing from XX 20000 Yuan, 6000 Yuan interest rates, repayment period for six months, expire even paid with interest, or face the consequences.”
As to the consequences of non-payment, lenders or politely or bluntly explained to Feng Xiao. “Meat service, prostitution, I know, for example, they would say, ‘ if not money, we will find you, and what to do next, you have to listen to us.”
However, Feng Xiao thinks he has the ability to repay, but may also slowly. She was already in practice to make money, if it is not, mother will help, “only to be beaten up.”
“He took my video got away”
Feng Xiao refused requests for masturbation videos, she has repeatedly stressed to the other party, their repayment ability, not running,
“I’m sure I can’t, I’m still a Virgin, I have never done such a thing. ”
After undergoing numerous voice calls, Liu Fenghua agreed to Feng Xiao asked. However, Feng Xiao after the credit agreement of the photos and videos sent to Liu Fenghua, they disappeared. Regardless of Feng Xiao QQ messaging, video, voice, and received no response.
“He took my video got away”, Feng Xiao had been tricked, all your personal information, topless, video, “” go. Two exchanges has been online, in addition to their QQ number, Feng Xiao is no other clues to recover your information.
“I would question whether he is a liar, but he would say, ‘ If you don’t believe, we don’t trade ‘, and also send me the screenshot he had loan”, Feng Xiao on this “had chosen to believe, only believe.”
“Every day dozens of friend requests to help I money”
So far, Feng Xiao did not know, that who is betrayed by his own information. She had doubted, Liu Fenghua sold packaged with her photos, video.
Liu Fenghua and run the next day, Feng Xiao is more people added to QQ friends, “did you borrow, I can help you, we have a chat”, similar to the friend request, she receives every day, sometimes more than 10, she just ignored.
In November, hundreds of women for loans as collateral in nude photos and the video leaked on the Internet.
But from the end of November, “Bao nude leaked, borrowing” event occurs, that is gonna change everything.
Feng Xiao micro-blogging, micro-applications received dozens of friends or followers every day, “someone help I money, of course he must be malicious”.
She once was a friend, family member’s phone has been ringing. “My mother received a lot of calls every minute, someone is on the phone at all times, I can only tell family, friends, and don’t cut”.
The morning of December 6, have people claiming to be police went to Feng Xiao, mother asked, “mainly about my income, spending habits, etc.”
Feng Xiao Bao nude, never borrow loans, but it does provide detailed personal information. When she found her after mass leak information, first contact their lenders lending treasure at the time, the other party denies leaking information.
“If (pass) borrowing Bao (loan) leaks, you pay off the loan lending treasure. Why on Earth, and disclosure of personal information? ”
“And it was goodbye forever”
In August this year, naked photos, videos to own after Liu Fenghua, Feng Xiao has been disturbed, “but that time is OK, as long as I do not care, it will slowly go out.”
However experience “borrowing Po nude leaked” after the incident, Feng Xiao unprecedented increase in anxiety and fear, remember once persuaded themselves, are felt to be in “self-deception”. “Betrayed by myself, really sorry.”
“It’s like a time bomb, this is a risk, like the Edison Chen scandal at that time, as long as someone wants to, will be able to find. After all, many people already know all of my information, and the type of information. “Feng Xiao head tone revealed frustration.
20, Feng Xiao’s life is full of worries for the future, this lingering in her heart a heart.
Feng Xiao told “GMT” (micro signal: btime007), I won’t let it get loans, even to buy homes and cars in the future should be to loan, “I also will be very, very careful consideration.”
Nude girls playing by some loan “vanity, not serious” label, Feng Xiao says, “I borrowed twenty thousand or thirty thousand, already for a student. The more serious, thought it was (their) they have a problem. “
After you pay off the arrears by borrowing treasure, Feng Xiao began efforts out of net loans. She said that currently there are more than 10,000 yuan in arrears, would work through internships pay up as soon as possible, “every time I finish a platform, I will immediately delete APP, and it will never see”.
(This Feng Xiao, Liu Fenghua is not his real name)
(Formerly titled Readme | Nude credit girls: “buy buy buy” three years after a shortfall of 30,000 photos have leaked)