Wearing an eye mask into the door, after surgery and wearing an eye mask to leave, Xiaowen (alias) still do not know which villa in Changsha donated eggs. Just remember to lie on the operating table, cold steel needle, arms as long, piercing vagina, ovary. First it hurts like a normal injection, then it hurts, and I don't know how many eggs I've been removed.
Impulse consumption brings permanent physical pain. However, this price did not let Xiaowen pay off the loan owed more than 50,000 yuan. She graduated from a Changsha university in June this year, before graduation was forced to play naked, still owe net loan.
Zhao Meng (alias), who also wants to repay the loan through egg donation, has seen many girls of his age in egg donation agencies. The head of the egg donor told her that \"most of the girls are owed a loan to do it.\"
The operation was carried out with half anesthesia.\" The anesthesia was inserted from the anus and I was looking for two more suppositories.\" Xiaowen remembers that the egg extraction process is very short, less than 15 minutes,\" pain \".
Xiaowen borrowed 2000 yuan from the net loan platform for the first time, and after several net loan platforms and private loan slip turnover, the arrears accumulated to more than 50,000 yuan. April 2018, junior next semester, Xiaowen prepare for the postgraduate examination, want to pay off the loan completely. Thinking of reading about the article on the Internet about egg donation and repayment of the loan, she sent a private letter to the author. Soon, the other side pushed her an intermediary WeChat.
After adding intermediary WeChat, Xiaowen sent photos and information of height, weight, education, blood type and so on as required. The agency told her that the \"medical student colony center\" will provide information for infertile clients who donate eggs, and customers will meet offline after picking up \"inspection \".
On the second day of menstrual period, xiaowen fly to the site of egg donation institutions guangzhou physical examination, after the medical examination began to promote ovulation needle,10 days in a row. Food and accommodation are in the hotel, daily meal supplement of 60 yuan, but also asked to add egg milk. However, after Xiaowen injection, follicle development is not ideal. From the second half of 2018 to the beginning of 2019, she went to Guangzhou for three consecutive injections to promote eggs, and flew to Shanghai for her fourth try, all unqualified.
In April 2019, graduation is imminent, Xiaowen cannot wait, after consulting with the intermediary into blind donation. Blind donation does not docking with customers, no interview and selection, but the pay is not high. The fifth time, in Changsha, Xiaowen was taken to a villa. The intermediary arranges the driver to pick up, after boarding, puts on the eye mask to her, forbids to bring the mobile phone. After the blind donation, she got 20,000 yuan.
I won't do it until I have to. Egg donation is also regarded as a life-saving straw by kunming senior zhao meng. \"I'm a doctor, and knowing how bad it is to donate an egg isn't as simple as a few eggs.
Zhao Meng is a nursing student, understand the harm of egg donation: egg promotion needle may cause ovarian hyperstimulation syndrome, the puncture needle of egg removal surgery will leave a wound on the ovary, may lead to infection, cause a variety of complications, water, shock, may also lead to infertility, or even death.
Near the repayment day, the debt information has been constantly, the phone can only be muted,\" every shock, especially panic.\" \"If you reply to the message late, the other phone call immediately, do not listen to what you say, directly open scolding, two or three minutes cannot stop. If you ignore it or don't answer it, you threaten to explode your address book.
Zhao Meng went to an agency in Shanghai and said he was willing to pay more than 30,000 yuan. \"The first examination, the result is not very good, cannot donate eggs. In the apartment rented by the egg donation agency, Zhao Meng saw that the room was full of young girls. It's about the same age as I am. The head of the egg donor told her that \"most of the girls are owed a loan to do it.\"
Beijing Chaoyang Hospital Reproductive Medicine Center doctor Ma Shuai said that the market so-called \"egg donation\" is illegal, the state banned the sale of eggs. In 2003, the Ministry of Health revised the Human Assisted Reproductive Technical Specification, which states that any organization or individual who raises an egg in any form is prohibited from commercializing the supply of eggs.
\"Illegal egg harvesting seeks only the number of eggs, ignoring the effects of egg donation on the health of girls. In addition to facing high safety risks,\" many ethical risks need to be taken seriously,\" ma said. These eggs are sold to different people, and the boys and girls born out meet again, and there may be cases of close relatives getting married and so on. Furthermore, without rigorous screening for genetic diseases, egg donation may widen the genetic spectrum of genetic diseases.
After being introduced, she went to a large hospital in Changsha to do a test for hypertension medicine, went through the process of physical examination, a month later to get 4000 yuan. However, for the hospital drug test cycle is too long, Xiaowen rushed to use money, cannot wait.
She went to borrow \"714 anti-aircraft guns \"and private loan slips. \"714\" is a high-interest loan with a maturity of seven days and 14 days, often including high \"cut-off interest\" and high \"overdue fees \". Xiaowen borrowed 8000 yuan to get only more than 5000.
Xiaowen recalled that after the meeting, the lender immediately used a mobile phone assistant to synchronize her address book, if the default did not pay back, threatened to \"explode\" the address book, that is, to call everyone on the address book, text messages, forced lenders to pay back money. Mr xiaowen said interest on private debits rose particularly fast, with thousands of dollars accumulating to 30,40,000 a month.
Zhao Meng has a deep understanding of this. At the height of the repayment pressure, she also looked for 20 lenders to borrow money. \"I borrowed 10,000 yuan, only 7,000 yuan, the lender said that 3000 yuan is interest, a month later to pay back 10,000, but the contract amount is 20,000.
Lenders tell mr zhao that if he doesn't default, he will receive ten thousand; if he does, the debit slip will become twenty thousand. \"I don't think I'm going to default and, in the end, overestimate myself. Late mr. zhao was placed under house arrest at a lender's company overnight before being released after promising to ask his parents to return the money.
Before graduation, after the introduction of students, Xiaowen made a naked strip. Naked strips are also called Naked Loans, and borrowers replace them with nude photos of their identity cards. In case of default, lenders threaten borrowers or their families with naked photos or contact with their parents.
\"Strange that I had the impulse to consume,\" Xiaowen said,\" regret, but regret is useless.\" At present, there are still more than 10,000 yuan of loans outstanding. For her, it's a time bomb.
At the end of december 2016, xiaowen inadvertently lost her phone, and then spent 7000 yuan to buy an apple phone, began to cash tight. Because of strict family education, Xiaowen did not tell his parents. Some friends recommend \"staging music \",\" specifically for students, low interest rates. \"Xiaowen remember,\" after the application someone came to the school to sign, App has the authentication interface, let me login after passed the authentication. \".
Sky-eye checks showed that \"stage music\" was founded in shenzhen in 2013. When reporters downloaded its android app in early december, they found that 230 comments on the software contained words such as \"deceptive\" and \"high interest rates \". The \"staging\" App front page shows \"focusing on young people's staging shopping App \", offering installment loans and repayment services.
On may 6 this year, xinhua's \"ban, the campus loan vest is still rampant\" article, publicly criticized the lexin's platform \"stage music\" violation of loans to college students.
The first loan of 2000 yuan, Xiaowen choose to return in three phases. Sophomore love, spending more and more, the frequency of borrowing money also increased significantly. Take advantage of this quota lost, Xiaowen on another platform to register, borrow money, also on a loan. Even after changing a few net loan platform, can no longer borrow a penny, all platforms refuse to borrow money again.
Xiaowen because a mobile phone fell into the net loan pit, and Zhao Meng is because of a fitness card, also experienced the \"east wall to repair the west wall \", to the end of all platforms cannot borrow money. In his freshman year, Zhao Meng wanted to lose weight and was going to find a friend to borrow money to do a 1000 yuan fitness card. Her older friend is the network loan platform \"love rice\" agent, recommended that she download \"love rice\" App, installment repayment.
A loan of 1,000 yuan, Zhao Meng phased 12 months, a monthly repayment of more than 200. \"It's too easy to think, but I didn't think there was much to pay in installments. Song xiaoxu, a beijing-based law firm, points out that this significantly exceeds interest on regular campus loans.
According to the official website,\" love rice \"is aicai technology group under the brand. Reporters with \"love rice\" as the key word in the black cat complaint platform search, the results show 335. Browse the content of complaints found that \"usury \",\" beheading interest\" and so on are high-frequency words.
In early december, reporters downloaded the \"love rice\" app and soon received a phone call from hangzhou. The other side calls itself \"love and rice\" customer service. Reporter as a college student asked \"can you pass the platform audit?\" \"Customer service\" said that the platform does not allow loans to non-graduate students,\" but generally graduation information is not an important basis for evaluation. \"Customer Service\" suggests reporters, when the platform requests to update graduation information,\" change the graduation time. As long as it is not written to graduate after July 2019, it can (cash).
Why did all the net loan platforms suddenly stop lending? Xiaowen explained that this shows that personal credit \"spent.\" Every time a loan, the network loan platform will inquire a personal credit report, if the inquiry record too much, it is called credit \"spent \". Net loan platform according to this thinks borrower economy is tight, thus refuse to borrow an application.
There are usually two ways in front of borrowers at the moment, one is to confess to their parents, rely on them to \"go ashore \", the other is to find private loans, can drag a day is a day, trying to rely on part-time and so on to turn over.
\"In the eyes of usury, it doesn't matter if a student doesn't have money. \"Know big V\" half Buddha Xianren \"is engaged in wind control management in Hangzhou, because with many net loan platform has the business contact, he can see the illegal campus loan routine and the present situation. \"The common denominator of victims is vanity and simplicity. \".
In September 2019, Zhao Meng, who had attempted to donate his eggs, accumulated more than 300,000 in arrears plus interest, and was eventually \"blasted\" the address book. After hearing the news, her parents scolded her, took out all their savings and borrowed a bank loan to help her pay off the loan.
In the interview, the reporter felt that Xiao Wen was very afraid of the future: do not know which day his naked photo will be made public on the Internet, do not know whether the test drug has sequelae, do not know whether the egg removal surgery will affect fertility, and do not know how many donated eggs into life, there will be a close relative marriage and other ethical risks in the future.
Xiaowen's situation gives a warning, college students should restrain impulse, rational consumption. Besides bloodthirsty illegal lenders, illegal egg-laying agencies are also accomplices and need urgent regulatory attention.