The number of people in need of life is increasing due to the expansion of the new colon virus infection.As a result, it is said that there are more cases where people whose borrowing is reaching the limit is reached in trouble by borrowing money from those they met on SNS and being involved in trouble.I want to see the actual situation of this trouble.
"If you are a housewife or a single mother, please contact us if you are in trouble with corona. To be honest, there are only fraud.I need a lot, but I want to ask for 50,000 yen in a hurry. Please give me # I want to borrow money # I'm in trouble with money # Lend me money. "
Twitter is full of posts that lend such money and want to borrow.The number of people who fall into the hardships of the corona is increasing, and the number of lending and borrowing of individuals on SNS is increasing.
"I was searching for Twitter because my shift was reduced and my salary was not paid, my life was struggling, and I was searching on Twitter," said a man in his thirties who made a hand in a personal loan."I was borrowed only 15,000 yen because it was the first time. I was asked to repay a week later, but the repayment was 35,000 yen."The interest rate is about 130 %.This is an unnecessary thing that exceeds 300%of the annual interest rate of 20%or more in annual interest rates.
"I couldn't afford to calculate the interest rate, so I thought it would be nice if I could borrow. I just borrowed it. After all, I just sent a license photo when I borrowed it, so wouldn't it be abused?I'm worried, "the man drops his shoulder.The number of cases involved in such troubles is increasing.
In the case of individual loans, as a borrowing condition, you may be asked to submit a large number of personal information, such as address, telephone number, work information, face photo, family contact information, or to send your ID and naked photos.If the repayment is delayed, the ID and naked photos will be scattered on the net along with a hard collection.
In the first place, the collection is strict, so you may call a school or garden where your child goes to dozens of a day, go to work or home, or go to your lover's house or home.Say.
There are also stories that if personal information is scattered, it will be easier to be targeted by dark gold traders, and you will be invited by criminal acts such as oleore fraud.If you search for " # borrowed Park" on Twitter, you will find many exposed IDs.
As a result of the delinquency, there were cases where naked photos and harassment were posted on the entrance, and women were filmed for sexual activity, and posted on adult sites.There is also a "one -time loan" that lends money to women on the condition of sexual acts.
Why are there many people who get their hands on individual loans on SNS?
SNS is a tool I usually use and familiar.It is thought that the threshold is lower than visiting a store or making a phone call, and it is easier to contact.It seems that people who have no connection with debt due to the corona evil may see such posts on SNS, which is familiar.
In addition, many individual loans are "the same day loan", and people who are having trouble living tomorrow today because they ask for help from administrative organizations and get money faster than renting them in financial institutions.Isn't it easy to reach out?
Although it is an individual loan, there are many dark gold traders.In the first place, if individuals are repeatedly lending to an unspecified number of people through SNS, they are considered a money lending business, and if the money lending business is not registered, it violates the Money Lending Business Law, and if the upper limit rate exceeds the maximum interest rate, it is a violation of the Investment Law.
In 2019, the Financial Services Agency launched an "Financial Service Individual Loan Measures" account and started net patrols on Twitter.From November 2019 to October 2020, a total of 191 posts of maliciously malicious, such as calling for loans, have been alerted, leading to deletion.
Recently, posts on Instagram and Tiktok have been increasingly posted on personal loans.The LINE QR code is posted as a contact information, or posted a video with music saying "Please DM if you are interested."If young people are interested, it can be said that the risk is quite high.
There is also a system that helps you when you are in trouble with the government, so please do not borrow money from individuals you know on SNS.People who have been involved in troubles are "Japan Lending Business Association / 0570-051-051", "Consumer Hotline / 188", "Police Consultation Dedicated Telephone / # 9110"-016811 (03-5251-6811) from IP phone).
Akiko Takahashi
IT journalist, visiting professor at Seikei University.He specializes in SNS, teenage use, information moral literacy.He is familiar with smartphones and Internet -related incidents, troubles, and ICT education.He writes, lectures, media appearances, and supervision.Column is published in the Education Publishing Junior High School Language Textbook.Former elementary school teacher.
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