1. The platform was taken over by other platforms and continued to operate after rectification.
In this case, neither platform official website nor APP should close the repayment channel, but it does not rule out that individual platforms should suspend operations. In other words, as long as the repayment is normal, regardless of whether the platform has changed hands, the borrower should pay off the arrears in full and on time.
If the repayment channel is temporarily closed, the borrower can contact the platform customer service or other operators to consult how to repay.
2. The platform was cleaned up and closed down due to violation of regulations.
We know that, generally speaking, the borrowing funds of the cash lending platform mainly come from self-operated funds, platform shareholders, banks, trusts and other financial institutions and other general investors.
Regardless of the source of funds, even if the cash lending platform is indeed closed due to violation of regulations, the creditor still has the right of recourse against the borrower's debt, that is to say, when the creditor claims this debt from the borrower, the borrower should repay it, especially the principal part.
3. The platform was ordered to rectify due to violation of regulations, and then operated.
Whether because of interest rates or other problems, the platform ordered to be rectified means that it will reopen one day. Then the money owed to this platform must be returned. Moreover, generally, before or during the rectification, in order to avoid losses to the greatest extent, the platform will speed up the collection frequency and maximize the withdrawal of funds.