"What are you looking at?"
Zhen Tian had just finished a math test. After checking the answers, the paper was covered with red crosses. She sighed heavily and her mind wandered to Ye Qingyan.
It's been a week since Ye Qingyan returned from City S, and she still frequently dwells on the lost match. Now, she spends all her time, both during and after class, controlling online comments for Lu Lin, and retaliating against anyone who criticizes him. She also often writes long articles to increase Lu Lin's casual fanbase. She's a master of the fandom's tricks.
"Nothing. Just spam." Ye Qingyan turned off the screen. "Have you finished the test?"
"Yeah. I think I'm doomed. No matter how I look at it, my grades just won't improve in online classes."
“I already told you you can’t just cast a wide net like that, it’s a waste of time and you won’t learn anything.” Shao Junli walked over with his phone: “You still need to choose a teacher who is most suitable for you. Also, take a look at this.”
He handed me the phone.
"What?" Zhen Tian leaned closer.
"A loan collection notice with your name on it. Has your personal information been leaked?"
Please inform your friend Zhen Tian (phone number 176********) to repay the loan from Yutu App as soon as possible. She borrowed the money using your phone number as collateral. Otherwise, we will continue to contact her.
"Huh?" Zhen Tian panicked for a moment and quickly took out her own phone.
Ye Qingyan glanced at it, frowned, and her woman's sixth sense told her that something was wrong: "You received it too?"
"What does 'also' mean?"
"I received it too." Ye Qingyan turned on the screen again; this was the spam text message she had mentioned earlier.
"Hey, look, Tiantian, you got a loan?" Yang Feiguang rushed in, holding a ball in one hand and his phone in the other, panting as if he had run over in a hurry.
Zhen Tian turned her head away somewhat uncomfortably: "It's nothing. Just spam."
"Really?" Ye Qingyan stared at her.
"Um."
Zhen Tian nodded repeatedly: "Just pretend you didn't see it."
Only after the three people had looked away did she take out her phone. She saw the message she had missed because she was doing the test paper.
[My loan is due today. Should I renew or repay? We'll be receiving a lot of collection calls today, so please keep your phone accessible and answer them promptly. Please resolve this before 12 PM, otherwise it will be considered overdue. We'll notify students after 2 PM, launch a full-scale attack at 3 PM, and post on the school forum at 4 PM. Please read carefully. For platform repayments, you can use Alipay or WeChat.]
Zhen Tian quickly opened the Yutu APP and found the customer service representative from last time.
[Sweetie: Didn't I borrow money from Tiger app and repay Yutu app as you said? Why are you still urging me to pay back the money? You've even sent text messages to my classmates.]
[Customer Service 1: Hi, here's the situation. You repaid the debt to the Yutu app, but you didn't pay the transaction fees for the transfer between the two apps, totaling 4860 yuan. Today is the repayment date, please repay as soon as possible.]
[Sweetie: You didn't tell me when there would be a handling fee.]
[Customer Service 1: The quick loan link I sent you last time offered fast disbursement and a low interest rate, but of course, there's a handling fee. You agreed to that when you clicked the link!]
[Sweetie: When did I agree?]
Customer Service 1: It's the default setting, dear.
[Sweet Girl: This is a scam, isn't it?]
Zhen Tian finally realized what had happened, her hands trembling as she typed. She had obtained the loan app from a former classmate in their class group, assuming her classmate wouldn't scam her.
[Customer Service 1: How can you accuse us of fraud when you yourself owe us money? Please repay as soon as possible, or we will resort to harassment.]
Zhen Tian angrily slammed her phone shut.
It was almost three o'clock, and Zhen Tian was still in class. But her phone kept ringing in her backpack.
As soon as get out of class ended, Zhen Tian rushed out with her phone in hand.
In a 45-minute class, she missed 31 phone calls and received over 20 debt collection text messages.
[This is the Yutu app. Please repay your debts as soon as possible.]
[Zhen Tian, your debt is not yet paid off. This is the last notice. If you do not repay, you will bear the consequences.]
[Final warning, Zhen Tian: If you do not repay your debt, our company will send inappropriate texts and images to your close relatives and friends, which may affect the dignity of your family. Please have some consideration for your family's reputation.]
[Damn it, you bastard, if you don't pay me back, do you believe I'll see your family's corpses tomorrow?]
The threatening text messages became increasingly vicious, and Zhen Tian hid in a corner of the corridor, trembling with anger as she looked at the obscene words.
"Zhen Tian, when are you planning to pay me back?" The phone rang again, demanding payment. This time, Zhen Tian answered the call.
"I never said I wouldn't pay it back, why are you doing this? Besides, I clearly didn't borrow that much. This is extortion, I can sue you."
"Don't be ridiculous. You think you can get away with suing us just because you owed the money yourself? I'm warning you, pay it back right now, or I'll come to your school and arrest you. Don't come crying to me then."
"Sweetie, what's going on?" Ye Qingyan walked out from another corner, followed by Shao Junli and Yang Feiguang.
Without exception, they were all holding cell phones, and the words on them were extremely offensive.
Zhen Tian was startled. She stood there sobbing, "I'm sorry..."
“I didn’t have enough money to buy online courses, so I borrowed some. But they’re pressuring me to pay back a lot of money, and I didn’t borrow that much,” Zhen Tian said, wiping away her tears.
"You borrowed money from those online lending apps?" Ye Qingyan rushed forward and grabbed her wrist tightly. "What did you do? Did they make you take any photos or do anything? Tell me quickly."
Ye Qingyan's mind was filled with terrible images. What if Zhen Tian really did it? She didn't know.
"No, they just asked me to provide the phone numbers and ID numbers of people around me. I'm sorry everyone, I filled them in without your consent. I thought I could return them quickly."
"Are there really no requirements? Like taking photos without clothes?" Ye Qingyan asked eagerly.
"Will this happen again?" Zhen Tian looked up, confused. "I didn't."
"That's good."
Ye Qingyan released Zhen Tian, her hands hanging limply at her sides. She felt completely exhausted, as if she had just survived a catastrophe.
"What am I supposed to say to you? If you want to borrow money, then borrow from me! Why are you looking for a loan app? Are you trying to drive me crazy?!" Ye Qingyan, having recovered her composure, slapped Zhen Tian repeatedly. "If something happens to you, do you want me to suffer for the rest of my life?!"
"You really made a mistake." Shao Junli took a step forward, his expression extremely serious: "Tian Tian, you can't do something so foolish again. Losing money is a small matter; if you really do something wrong, that would be irreparable."
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