If you really can't contact the loan company and there is no other repayment channel, you can apply for notarization. In reality, after some loan companies go bankrupt, it is possible that the relevant bank accounts will be frozen or cancelled. In this case, the borrower may not be able to repay normally, but the borrower does not know other repayment methods and channels of the loan company. In this case, many people think it is unnecessary to pay back the money. However, for security reasons, we still have to find ways to pay off these debts and avoid unnecessary troubles.
The so-called escrow refers to a legal system that when the subject matter of the contract cannot be delivered to him due to the creditor's reasons, the debtor hands over the subject matter of the contract to the escrow department, thus eliminating the contractual relationship and terminating the contractual rights and obligations.
Legal basis:
Article 557 of the Civil Code of People's Republic of China (PRC) shall be terminated under any of the following circumstances:
(a) The debt has been fulfilled.
(2) The debts offset each other;
(3) The debtor deposits the subject matter according to law.
(4) Creditors are exempted from debts;
(5) Creditor's rights and debts are owned by one person;
(six) other circumstances stipulated by law or agreed by the parties to terminate.
If the contract is terminated, the rights and obligations of the contract shall be terminated accordingly.
What if the money owed to the loan platform is still not up?
1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;
2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;
3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;
4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody. If you are in debt, you will be prosecuted and even enter the credit blacklist. If you don't pay back the money, whether online or in reality, you will have to bear overdue fines, face recovery, face a credit crisis, and may face litigation if you don't pay back in time. If the borrower still fails to repay the loan, the official will make a dunning according to the contact information left by him, and even call the borrower's relatives and friends to make a dunning. Finally, it will be related to the borrower's credit.
The online loan company went bankrupt and wanted to pay back the money, but the old repayment failed. What should I do?
Hello, regular online loan borrowing, overdue behavior is not illegal, and online loan platform collects it by phone or SMS. Formal loans should be linked to personal credit information. When applying for a loan, you should check the credit information. If overdue repayment occurs, it will have a negative impact on personal credit information. I suggest that you make loans according to your ability, repay on time, and maintain credit information.
There are so many loan platforms now. Choosing a large platform for loans can ensure the safety of funds and information, and the use of loans is more assured. It is suggested that you use the credit service brand of Youhuahua Finance (original name: Baidu Youhuahua, renamed as "Youhuahua" on June 201August), which has the characteristics of simple application, quick loan release, flexible loan repayment, transparent interest and expenses, and strong security. The lowest interest rate is 0.02%, and the maximum can reach 200,000 by clicking and calculating.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you.