Original title: she was driven crazy by routine loan: the female nurse was desperate, poisoned her 3-year-old son and committed suicide
At 9:00 p.m. on January 4, 2019, Wu Qing, a man from Huai'an, Jiangsu Province, took his mother and two relatives to his wife Xu Rong's rented house. After knocking on the door several times, no one answered. After finding the key to open the door, a smell of pesticide came to him. Xu Rong was lying unconscious in bed, and her three-year-old son was beside her. His body had cooled.
Young women are deeply involved in routine loans
Xu Rong, 28, was born in an ordinary rural family. After graduating from technical secondary school, she became a nurse, fell in love with Wu Qing and got married. She gave birth to her son in May 2015. In her circle of friends, her son wears two or three thousand down jackets and more than 1000 trousers. Her cosmetics are mostly international famous brands, and one set costs more than 30000. Therefore, in the eyes of Xu Rong's friends and colleagues, her family's economic conditions are very good. But only she knew what was behind the scene. As a nurse, her monthly salary is more than 2000 yuan. Her husband is an ordinary self-employed person with limited income. Where does Xu Rong get the money to support her high-end consumption?
In December 2017, when Xu Rong used her mobile phone to surf the Internet, she saw an advertisement for borrowing money, which said 'no need for audit, fast lending, low interest', etc. Xu Rong entered the page and checked out his ID number, mobile phone number, WeChat and QQ number, and so on. After a while, her WeChat received a friend's application, and Xu Rong immediately applied. Soon, the other party sent a form, let her fill in their own information and commonly used three contact numbers. Later, the other party told Xu Rong that in order to verify her identity and credibility, the lending company needs to obtain all the numbers in her mobile phone address book. At first, Xu Rong hesitated a little, but he thought it was reasonable for him to do so, so he agreed. According to the other party's prompt, with the help of software, let the other party get their own mobile phone address book.
Xu Rong offered a loan of 5000 yuan, and the other party agreed, but asked to deduct 1500 yuan interest (30% per week) first and repay it seven days later. If the loan can not be repaid at maturity, it can be postponed, but a delay fee of 30% of the loan amount shall be paid. If the loan can not repay the principal and has no financial ability to postpone, 10% of the principal shall be paid every day as a penalty. Xu Rong agreed that after she typed the e-debit note, she soon received 3500 yuan from the other party.
Money is easy to come and easy to spend. A week later, Xu Rong had no money to repay, so he proposed to postpone the repayment to the other party and paid 30% of the postponement fee according to the previous agreement. The next week, Xu Rong borrowed money from her friends to pay off her first loan. Soon, Xu Rong ran out of money again. She applied for a loan from the other party again and asked for an increase in the loan amount. The other party agreed. Soon, Xu Rong once again faced the problem of no money to repay the loan when it was due, so she had to keep delaying and delaying the time, and she owed more and more debts, falling into a vicious circle.
After several extensions, the lender asked Xu Rong to pay off the principal and interest as soon as possible, and no longer agreed to the extension. But she can't afford it. The lender puts forward a solution to Xu Rong: she can recommend other loan platforms and use the money to repay the interest before. In this way, Xu Rong owes more and more platforms and bears more and more interest. By September 2018, Xu Rong had actually received about 300000 yuan, but the net loan owed was as high as more than 2 million yuan.
Struggling in the debt black hole
In early September 2018, when Xu Rong and his friend Zhao Hao were having dinner together, they mentioned that his cousin Zhou Jian was the section chief of the provincial electric power company, and his wife's father was the head of the provincial electric power company. Therefore, Zhou Jian had a lot of power in his hands and could make a lot of projects. By borrowing this relationship, Zhou Jian's wife registered a company and could earn 6 million yuan a year. The speaker has no intention, the listener has intention. Zhao Hao told Xu Rong that he has a good brother named Liu Jun, who has opened an environmental protection company in Wuxi. There will certainly be environmental protection projects in large power projects. If he has the opportunity, he hopes Xu Rong can introduce Liu Jun to Zhou Jian and help him with some projects. If he can succeed, Xu Rong's benefits will not be lost. At that time, online lending companies had begun to frequent debt collection. Xu Rong listened to Zhao Hao's words, and a plan to cheat money was formed in her mind.
A few days later, Xu Rong sent a wechat to Zhao Hao, telling him that there was a big project in the provincial power company recently, which was related to environmental protection. After hearing this, Zhao Hao immediately contacted Liu Jun and told him about the situation, and then pushed Liu Jun's micro signal to Xu Rong. During the chat, Xu Rong introduced Zhou Jian's situation to Liu Jun. Liu Jun was very excited and asked Xu Rong to introduce himself to Zhou Jian. Xu Rong readily agreed.
Xu Rong changed the name of a wechat she used to use to 'Zhou Jian', and pushed the wechat to Liu Jun, saying that she had already said hello to her cousin, and let them talk about the following. Liu Junli added the wechat of 'Zhou Jian'. Then, under the excuse of convenient contact, Xu Rong pulled Liu Jun, Zhou Jian and herself to set up a wechat group.
After the three became friends, Liu Jun, who was eager to find a project, asked 'Zhou Jian' whether there was a project to be tendered recently. Zhou Jian answered that there was. Liu Jun was a little worried at that time and asked if there was any engineering information. Xu Rong then downloaded an electronic engineering information and sent it to Liu Jun in the name of 'Zhou Jian', saying that the project happened to be his own responsibility. If everything went well, it would be finished on September 28 You can sign a contract to start. Liu Jun was very happy to hear that, so he asked Zhou Jian for help and promised to repay him.
On September 23, the creditors began to press for debts again, and Xu Rong decided to implement her plan. She sent a message to Liu Jun in the name of Zhou Jian, saying that Xu Rong's children need 20000 yuan to buy insurance. After seeing WeChat, Liu Jun thought that this is' Zhou Jian 'in exploring his sincerity, immediately let his wife transfer Xu Rong to Alipay by 20 thousand yuan. After getting the money, Xu Rong immediately returned an online loan. On September 25, 'Zhou Jian' sent another wechat to Liu Jun, saying that Xu Rong's husband was sending 20000 yuan to others outside. Liu Jun transferred 20000 yuan to Xu Rong without saying a word. After spending 40000 yuan in a few days, Liu Jun murmured a little. In order to verify the authenticity, Liu Jun invited Zhao Hao, Zhou Jian and Xu Rong to his company. Xu Rong and Zhou Jian agreed immediately.
On September 26, Zhao Hao and Xu Rong first arrived at Liu Jun's company. Xu Rong told Liu Jun that 'Zhou Jian' and the company's Huang Association came to inspect the company, but they were busy with other things, and they could arrive the next day. But the next day, Zhou Jian told Liu Jun that there was something wrong with his company and he couldn't leave. In a few days, he asked Liu Jun to go directly to Nanjing to sign a contract. Liu Jun believed it.
A few days later, 'Zhou Jian' told Liu Jun in wechat that he came to Nanjing on October 8 to formally sign the contract, and asked Liu Jun to hurry up to prepare some engineering materials. Over a month later, Xu Rong sent a message to Liu Jun in the name of Zhou Jian, asking for about 220000 yuan several times under the pretext of Xu Rong's father's lack of money in business and his need to manage for inviting leaders to dinner.
Seeing that Zhou Jian kept borrowing money from himself, but no one showed up, Liu Jun gradually became suspicious. In order to verify the authenticity, Liu Jun called 'Zhou Jian' several times, but the other party either couldn't answer, or hung up immediately, and then sent a wechat saying that it was inconvenient for him to answer. As a result, Liu Jun began to doubt Zhou Jian's identity. However, Zhou Jian still borrowed money from Liu Jun on various pretexts. Liu Jun refused and asked to talk to Zhou Jian face to face, otherwise he would call the police. On December 28, she made an appointment with Zhao Hao and Liu Jun and admitted all the facts. On January 3, 2019, Liu Jun reported the case to the police.
In order to return the online loan, in addition to defrauding Liu Jun's money, Xu Rong also borrowed a lot of money from her colleagues, relatives and friends. Since March 2018, Xu Rong has borrowed money from her best friend on various pretexts. Because she has a very good relationship, the other party transfers money directly to Xu Rong every time. At the end of August 2018, my best friend wanted to buy a house and asked Xu Rong to return the money, but Xu Rong had no money at all. According to statistics, Xu Rong borrowed 880000 yuan from her. In addition to her best friend, Xu Rong also borrowed a lot of debts from her relatives and friends. Once, when Xu Rong's friends got together, a table of more than ten people chatted and found that Xu Rong had borrowed money from everyone, one of whom was borrowed 200000 yuan by her.
He killed himself after poisoning his three-year-old son
As the amount of online loans and family loans owed by Xu Rong is getting higher and higher, it is difficult for Xu Rong to maintain the method of robbing the east to pay the west, so he began to delay the repayment. Soon, the creditors began to collect their debts. The online loan company used the information they had before to bombard Xu Rong's relatives and friends by means of telephone and SMS, so as to put pressure on Xu Rong. At the same time, the online loan company also sent people to collect debts and threatened Xu Rong. If she didn't pay back the money, she would pull banners and send advertisements in her community, which would ruin her reputation. In addition, the relatives and friends who lent money to Xu Rong also came to ask for debts. Xu Rong's mother-in-law and husband repeatedly questioned the reason for her huge debts. She did not tell the truth, so her relationship with her family became increasingly tense.
In order to avoid debt and prevent family members from being harassed, Xu Rong lived alone in a rented house at the end of 2018. When her son missed his mother, she took him over to live together. In the twinkling of an eye, as the Spring Festival approaches, more and more creditors ask Xu Rong for money. At this time, because the relationship between husband and wife gradually weakened, her husband proposed divorce and repeatedly urged her to go through the divorce procedures as soon as possible. At this time, she had the idea of dying.
On January 2, 2019, Xu Rong purchased six bottles of pesticides from the Internet. After receiving the pesticide the next day, she found that there was no pungent smell and thought the toxicity was not good. In order to make arrangements for his son after his death, Xu Rong sent a message to his husband at noon on January 3, asking him to come to his rented place and talk about it. He wanted to give his son to his husband, but he refused. That night, Xu Rong bought eight bottles of highly toxic pesticides from a seed store and wrote a suicide note. On the 4th, Xu Rong received a message from Zhao Hao that Liu Jun had reported the case and consulted a lawyer. If she did not pay back the money, the police would soon arrest her and she would face imprisonment. The pressure came together and she collapsed.
That afternoon, Xu Rong took out the pesticide and prepared to drink it. Thinking that her husband didn't want her son, she decided to die with her son. She opened all the bottles of pesticide, took a straw and put it into a pesticide bottle, handed it to her son, who took a sip: "Mom, it's too spicy. 'then she vomited out and took her son to the bathroom to gargle. After a while, her son began to vomit. After vomit, she was obviously depressed and said she wanted to sleep. She held her son in her arms. Then, her son said that she was cold. Xu Rong, a nurse, knew that her son's toxicity had broken out. She took her son to bed, lay down beside him, drank all the remaining pesticides, and soon lost consciousness.
Xu Rong was rescued, temporarily out of danger, was sent to intensive care unit treatment, three-year-old son died. Then the doctor called the police. After receiving the report, the police immediately put Xu Rong on file for investigation. On January 10, they monitored her according to law. On January 25, after leaving hospital, Xu Rong was detained by the police on suspicion of intentional homicide and fraud. On February 1, he was arrested by Huai'an District Procuratorate of Huai'an City in Jiangsu Province on suspicion of intentional homicide and fraud. On March 27, the police transferred the case to Huai'an District procuratorate for examination and prosecution. At the same time, according to the information provided by Xu Rong, Huai