After the P2P explosion, investors can first find the relevant regulatory authorities to complain about the aforementioned violations of the platform. In one case, the platform will find the borrower under the pressure of being complained or directly negotiate with investors to solve the loan repayment problem. Even if the loan repayment is fruitless, investors can prove that the platform is at fault in overdue loans according to the regulatory authorities' responses to platform violations, thus assuming certain civil liabilities.
(2) Civil means-civil litigation
As mentioned above, the civil liability of P2P platform is from light to heavy, that is, the liability for compensation as an intermediary, the liability for guarantee, and the liability for repayment and interest payment as an actual borrower. Investors can also bring a lawsuit to the court for the above reasons, asking the P2P platform to bear part of the responsibility for their investment losses, but for investors, the best solution is to ask the court to determine the actual lending relationship between themselves and P2P.
(3) Criminal means-calling the police
The whole process roughly includes the following stages: filing a case, investigation and recovery, procuratorate, court and execution after judgment.
1, about filing a case
Under normal circumstances, it will not take more than one month to file a case. If it is fast, it can be filed within 48 hours. Knowing the leaders of public security organs and having government relations can speed up this process.
2. The key lies in economic investigation.
After filing a case, it is very important to deal with the economic investigation, procuratorate and court. The key is to deal with the economic investigation.
Legal basis: Article 109 of the Criminal Procedure Law of People's Republic of China (PRC). When a public security organ or a people's procuratorate discovers a criminal fact or a criminal suspect, it shall file a case for investigation within its jurisdiction.