Chapter 71 Suspected of Being Scammed
"I've been married for five years. You've probably seen my husband in the jokes. His name is Ji Yuntao. He works in another city. I stay home, make jokes, and sell agricultural products via live streaming."
I don't earn much money each year, just enough to supplement the family income. I don't have a mother-in-law, and my father-in-law and grandmother are simple rural people who help me take care of the children. I always thought our life was quite happy.
I am a very content woman. Life is like this: I don't ask for great wealth or status, just for my family to be safe and sound, and for my children to be healthy.
Last June, I gave birth to my second son. Due to family reasons, I stopped live streaming and making jokes, and this continued until this year.
On the sixth day of the first lunar month, my husband went to work in another city. Less than a month later, or to be precise, less than twenty days later, he returned. Our conflicts started from that time.
We argued for a long time during that time. His family's financial situation was average. If he wanted his family to live happily, he had to work hard. But he just lay down.
So I cursed at him a couple of times. This twenty-seven or twenty-eight-year-old man was already lying down like a sixty or seventy-year-old. What am I and my two children supposed to do?
As a result, he attacked me and broke one of my ribs. When I went to the hospital for a checkup, the doctor said that the location was too special to operate on and could only prescribe some painkillers.
However, my child is still breastfeeding. If I take that medicine, it means I have to wean him and give him formula. A can of Tong brand formula costs over 100 yuan. I haven't done any live-streaming sales for more than half a year. For us, this is undoubtedly a considerable expense.
He said that I, as a woman, was so vicious as to want to wean my child, so I left that home in a fit of anger and came to Lanzhou with my youngest son.
That was also the first time I was preparing to go it alone. I also wanted to find out who needed a live streamer so I could help them sell products and earn money for my child's milk powder. Fortunately, a kind lady took me in, and I did a few live streams and earned more than three thousand yuan.
As a result, my man, Ji Yuntao, actually hired a large group of haters, which made it impossible for me to do live streams. Since I couldn't work for my boss, I was too embarrassed to go back, so I couldn't continue doing live streams.
I'm planning to change jobs. I've been looking for a long time. One option is to deliver food, and the other is to wash cars for a boss. But I'm not very good at riding a bike for food delivery, and I'd have to buy a bike. It's too risky to take my child with me. So I washed cars for a few days.
To my surprise, I received a call from the bank. They told me that the interest on my first loan was due and I needed to repay it. I was completely bewildered. Although I didn't have much money, I didn't like to overspend and had never carried any cash with me.
Through a friend's introduction, I went inside the bank and found out that I had inexplicably accumulated a debt of 300,000 yuan. How could I possibly have been able to get a loan of 300,000 yuan? Upon further investigation, I discovered that the money had not gone into my account at all, but into my husband's account.
I've never seen so much money in my life, but the bank wants me to pay interest, and the interest rate is outrageously high, as if it was obtained through a third-party channel.
I called my husband, and he admitted without hesitation that he took out the loan at the beginning of the year to invest and do business with others. My fans also noticed that he was often seen with a woman. I'm wondering if he wants to divorce me, so he deliberately took on this huge debt for me to get involved with that woman.
I went to look for them. They had set up a place that looked like a company in a very remote area, and there were a few young girls working there.
The company probably only had six or seven people in total. I told the receptionist that I was looking for Ji Yuntao, but they said that to see General Manager Ji, I needed to make an appointment in advance.
"Three hundred thousand for a CEO Ji? I think he's been scammed. After I met him, I talked to him and told him to withdraw the money. We'll go back and pay back the bank loan first, otherwise we'll never be able to pay it back even if we work our whole lives."
Ji Yuntao berated me in front of his employees, saying I was narrow-minded and unsophisticated from the countryside. I asked him where the 300,000 yuan went. He said it was none of his business. Master, what should I do? I feel like he's been brainwashed.
Two days ago I took my child to make a scene, and now they won't even open the door for me. I called the police, but the local officials said it was a conflict between my husband and me and they had no right to interfere.
That man is beyond redemption. I also have my own selfish motives; if I really send him to jail, my two children's future education might be affected. But I'm also afraid that I simply won't be able to repay this 300,000 yuan debt. Please, host, give me some advice.
[I think I understand. This mother was scammed by a man who used her identity to take 300,000 yuan. But there's something I don't understand: these days, when you go to a bank for a loan, don't they check your assets first? How could they lend so much money if they didn't have assets?]
【Exactly! Last time I went to the bank to borrow 50,000 yuan, the process was cumbersome, I had to prepare a lot of documents, sign and seal documents, record videos and upload images, etc., it took almost a week to get it done. Judging from this mother's situation, I didn't have anything to offer as collateral, and I didn't sign anything, so how did she get the money out?】
Could it be an online loan? Some online lending companies with lax regulations can generate animated images just from a photo, showing things like nodding or shaking heads. Perhaps the money was loaned out through this method.
Sigh! Once you get involved in online lending, it's like falling into a deep abyss. The exorbitant interest rates mean you can't even repay the principal; the interest alone can bankrupt you.
Upon seeing these comments on the screen, Li Yunxia burst into tears, and the child in her arms also started crying in fear.
This was the first time Gu Yunxi had encountered such a situation. She roughly understood that this woman had been deceived by a scumbag who had even used her identity to borrow money.
Now the bank wants her to pay the interest on this loan, and the next step is to repay the principal.
How can the men in this world be so despicable? Judging from the woman's appearance, she wasn't lying; she was a kind woman.
She was only twenty-six or twenty-seven years old, but her face was rosy and covered in large patches of freckles, indicating that she hadn't had a good life in recent years.
"Based on what you've said and the discussions among your fans, I've analyzed it for you. There's a high chance your husband has joined a pyramid scheme. Do you want to get this money back, or..."
"I've figured things out these past few days. Before, I thought that as long as the two of us lived our lives well, that would be enough."
Now I realize it was all a scam. It would be best if I could get this money back and return it to the bank. If not, even if I file for divorce, I'll still have to pay back half of it, which is 150,000 yuan. I estimate I couldn't earn that much even in ten years of hard work. I don't know what to do now.
Gu Yunxi thought for a while, "I have a way to test him. Since he likes money so much, I'll play to his tastes and send him his phone number. I have my own methods."
Upon hearing that the anchor could help her, Li Yunxia privately sent her the man's number.
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