In this accident, I think both the Yunnan guy and the online lending platform were at fault. How to judge the specific responsibilities of both parties should be judged by the courts.
The current popularity of the Internet and technology has caused many young people to be trapped in online loans and unable to extricate themselves, thus hastily ending their lives. The tragedy occurred
A young man from Yunnan, only 28 years old, died of carbon monoxide poisoning after burning charcoal in a small hotel in Kunming. Before the young man committed suicide, he once returned home late at night, but he did not dare to meet his family because he was ashamed of his parents.
In the small hotel where Ah Chao committed suicide, details of online loan arrears were found, as well as a thick stack of suicide notes and a video apologizing to his parents. There is also a notebook filled with "hate myself" written all over it. It can be seen that Ah Chao really regretted it, but he was forced to have no choice but to have no way out and did not dare to tell the truth to his family. That is why such a tragedy happened. Even in the process of handling Ah Chao's death, he still received more than 30 debt collection calls on his mobile phone. Causes and Consequences
Before graduating from college in 2017, Ah Chao was addicted to online games and spent money lavishly when he had no source of income.
Living expenses could not reach the consumption level he wanted, so Achao began to take out loans on various Internet and used the loans to support the loans, thus getting deeply involved in online loans.
After graduating from college, Achao went to a construction company in Yunnan, but he was not suitable for the local climate. So Ah Chao resigned and went home. At the same time, I am preparing for the postgraduate entrance examination and the civil service examination. During this period, he had been using loans to support his loans, but his subsequent failure in the postgraduate entrance examination and the public examination made Ah Chao's hope of repaying the loan increasingly slim.
Blessings come in pairs, and misfortunes never come alone. As the loan amount increased, Ah Chao was also lured by the fraud team to participate in lottery betting. Afterwards, he was threatened in various ways. After long-term psychological torture, Ah Chao had thoughts of committing suicide at that time, but after his family learned about it, they helped him repay a loan of more than 110,000 yuan. Breaking out of the abyss
After his family helped him pay off a 110,000 yuan loan, his parents locked him up at home and confiscated all his documents and electronic devices. Let him prepare for the exam with peace of mind at home. After staying at home for a long time, his parents thought that Achao had reflected on his feelings and understood his parents' hardships. Repeating the same mistakes
But as Achao needed to buy various books, materials, online courses and other reasons when taking the postgraduate entrance examination and the civil service examination, whenever he asked his parents for money, they always responded to their requests.
I don’t have good control and supervision. Ah Chao became obsessed with online games again. We have entered the old path of online lending again.
And this time Achao told a big lie to his parents. Achao and his parents claimed that he had found a job in Kunming, but in fact he only went to Kunming for one day of training. He felt that the work was too hard, so he returned to Dali after paying a penalty of 1,300 yuan.
I rented a small house in a neighboring village and bought football lottery tickets and bet in the house every day. Desire to repay the loan through gambling. But as more platforms borrow money, it becomes even more difficult to make ends meet.
In order to hide his lies, he even took the high-speed train to Kunming to meet friends. If it wasn't for the fact that things couldn't be contained in the end, his parents always thought that their child was working in Kunming. Unreasonable online loans
The loan details left by Ah Chao involve various borrowing platforms such as Jiebei, Huabei, Meituan Living Expenses, Fenqile, Anyihua, and Zhongan Small Loan.
According to Achao’s father’s description, Fenqile’s loan was initially for 6,000 yuan. When he received another reminder, he said that he would repay 9,000 yuan. The subsequent text message sent actually increased the amount to 23,000 yuan. The interest is terrible. And this kind of interest is not reasonable and legal.
There was also a loan of 2,000 yuan from "WeBank" through an intermediary, and the intermediary took away 800 yuan. This kind of payment itself is unreasonable.
It is precisely because of Ah Chao's stubbornness and lack of good control. There are also various platforms' tough loan collection methods and irregular interest rates, which directly led to this tragedy.
Even Achao’s death did not stop these online loan platforms from collecting debts. Ah Chao's family members have also been living in suffering. Not only did he lose his son, but his life was also in chaos. Now the country has introduced policies to prohibit online loans from entering campuses, which can reduce the occurrence of many tragedies. Stay away from online loans and cherish life.
Whether A Chao’s family members need to bear the unpaid debts can only be decided by the law in the end. I think the various methods used by online loan platforms to collect debts are also very inappropriate. When they learned that Achao had passed away, they were still very indifferent and thought it had nothing to do with them. Relevant regulatory authorities should also control these unreasonable online loans.