Some national authorities have repeatedly said that they want to rectify and clean up the loan platform. In Hangzhou, Zhejiang Province, in July this year, in just ten days, several peer-to-peer lending platforms had problems one after another. What happened?
After several national authorities demanded to rectify the lending platform again, the peer-to-peer lending platform named "Everyone loves home" operated by Kongming Financial Information Service Co., Ltd. in Hangzhou, Zhejiang Province issued an announcement in July, indicating that the company is entering a benign liquidation.
On July 3, three days before the announcement of liquidation, the lending platform announced the change of business address.
Why is the name "cornerstone innovation" written at the front desk of Kongming Financial's new address? The security guard said there was no such unit as Kongming Finance. The staff of Cornerstone Asset Management Co., Ltd. also said that there is no new product at present, so it is withdrawn here. "Cornerstone Innovation" has nothing to do with "Kongming Finance".
Strange! The two companies are suspected to be related and "disappear" at the same time.
Kongming Finance (Everyone Loves Home Platform) users: The announcement is actually a lie, just to gain more time to transfer funds.
Through the public information of Kongming Finance, some users have learned about their own capital flow.
situation
The person in charge of this company also said that a sum of nearly 500 thousand was recorded, but it was transferred to Shanghai Wanyichang Electronic Technology Co., Ltd. on the same day.
On April 26th this year, Shanghai Wanyichang Electronic Technology Co., Ltd. changed its legal representative, and the changed legal representative was Ji. After investigation, it was found that this person is also an executive of Hangzhou Kongming Financial Information Service Co., Ltd., in other words, after a big circle, the money of platform users actually went to the affiliated company of platform executives.
Forged loans and affiliated companies disappear at the same time.
Whether investors and senior executives of Kongming Finance violate the rules, use peer-to-peer lending platforms for self-financing and put users' money into their pockets, all of which have to wait for the relevant investigation results.
The risk of crossing the regulatory red line is immeasurable.
2065438+August 2006, the then CBRC, the Ministry of Industry and Information Technology, the Ministry of Public Security and other departments jointly issued the Interim Measures for the Management of Business Activities of Information Intermediaries in Personal-to-Personal Lending. It is stipulated that a company can only borrow 6,543,800 yuan from one platform, and the total amount of interbank borrowing shall not exceed 5 million yuan. Once a company borrows money from various online platforms in the name of other companies, it actually crosses the regulatory red line and the risk will be immeasurable.
Related Q&A: Related Q&A: Which company is more violent when online loans are overdue? I owe a number of online loans, some of which have been overdue for more than six years at the longest, and have experienced numerous collections. The most violent thing in my mind is some cash? .
This online loan was borrowed when I was already financially nervous. At that time, this hole just came out, and my friend told me. I applied quickly, and the final amount was only 1 0,000 yuan.
When I have no money, 1000 yuan is also very much for me. After all, 1000 yuan can cover one month's living expenses. I am so short of money because of family changes.
But the interest of this online loan 1000 is 150 a week. Seeing this situation, I'm ready to back down.
Friends around me told me that since we have got to this point, it is good to borrow money, and we have to pick and choose. In the end, there is no quota.
Besides, if you lend money to these small online loans, you can pay it back then, because he can't take you at the other end of the network.
After listening to my friend's words, I thought what he said was reasonable, and then I applied.
Moreover, this online loan is illegal, because its lawyers have already exceeded the statutory interest, and will not do anything to you, let alone sue you. Even if it sues you, the other party will lose.
I applied quickly, too. Unexpectedly, when this 1000 yuan was withdrawn, only 850 yuan was accepted. What a pit.
It was originally thought to be 1000, but it was 1 150 when the repayment was due. I didn't expect it to be much worse than I expected, and I didn't go to 850 yuan until the repayment was due.
I never thought about whether to pay back the money. I just want to borrow it for a week to spend the buffer period, and then I will pay it back when I have money.
I heard from a friend that he often earns hundreds of dollars with 100 yuan. i also want to have a try. As long as I earn a few hundred dollars, I can turn it over and return the money.
I didn't expect my luck to be good. According to my friend's method, I tried it and actually made me earn more than 700 yuan. I paid back the money before this online loan expired. It went very well this time.
There are more than 500 yuan left in my hand, which can at least buffer me for a long time. However, because I have tasted the sweetness of investment, I want to try again. After all, with 500 yuan, if you can turn around, you can have a month's living expenses and rent.
I realized the fun of making money by investing. Not long after I paid off my debt, I wanted to go to the website to see if I could borrow it. I'm going to quit and pay it back after I win. 150 interest is not much.
When I went in, I found that my quota increased by 200 yuan, because once I paid back the money, the quota would increase, and the total amount was 1200 yuan.
I'll apply soon. Unexpectedly, the interest seems to have decreased this time because of the experience of paying back the money once. The applied amount of 1200 yuan has actually reached 1 100 yuan, that is, as long as the interest of 100 yuan is charged.
However, this loan was not so smooth, because when the money arrived in my hand, I lost it all in two days, leaving no living expenses.
When I was struggling to find living expenses, I forgot this online loan. Time is up, not the afternoon before the repayment date.
This online loan company called me and asked me to deposit the money in the repayment bank card in advance to avoid overdue due to network problems.
Overdue will generate interest, as well as liquidated damages. The interest will be charged to 50 yuan for one day, and the penalty will be deducted 150 for one day, that is, one day overdue will be 200 yuan.
When I heard this, I suddenly realized why I didn't look carefully at it at the beginning, and now I don't even have my own living expenses, let alone repayment.
Out of courtesy, I told him that I would pay back the money tomorrow. I stayed up all night that night and kept thinking about it.
Because I'm worried about whether the interest is the same as what he said. If it is overdue, 200 yuan every day. If it is true, then my life may be finished without money.
1 day overdue:
When I went to work in the company at eight o'clock in the morning, my cell phone rang. It came from this online loan. I am familiar with this number, because the area code in front is only his online loan.
Because it was not bad at that time, I wanted to answer the phone, then fool him and return it in the afternoon. When I answered the phone, the tone of the other party obviously changed.
Just say my name and ask me if I want to pay back the money. If so. Then you don't have to talk nonsense with me.
I don't know what he is going to do. I told him that I would return it this afternoon. I'm not saying I won't pay it back, but I'm at work now and I can't go out to save money.
As he spoke, the other party hung up the phone!
Afternoon:
It's the same bill collector, because from his tone, I can hear that he didn't change anyone else, and he still used his usual rude tone when calling.
Let others feel particularly scary. In the afternoon, I can only say that I have time to go out to deposit after work, because I am at work.
The other party obviously knew that I seemed to be looking for an excuse and finally gave me a notice. If I don't receive the money before 8 o'clock this evening, I will bear the consequences.
After answering the phone from that phone, my phone was turned off quickly, and I pulled out the card because I never dared to answer his phone again.
Second day overdue:
My phone has been turned off all the time, because I used another spare calling card, and it still works normally, which has not caused much impact on me.
At ten o'clock in the morning, the front desk of the office suddenly called me. I was confused. Why would he call me under normal circumstances?
I went to the front desk, and he said that someone called me just now and said that he would call me back in 20 minutes. When I stood there on the phone, my heart was particularly bumpy.
I really can't remember who called me, because my credit card hasn't expired, except this online loan is 1.
However, when I got the call, it was the same person yesterday. I didn't know how to tell him when I got the call. He was there all the time, forcing him to keep talking, and his tone was rude.
Besides, he warned me that if he still hid this afternoon, he would call our boss. I know he is joking, because even I don't have the boss's phone number.
Wait until the afternoon:
Almost everyone in my address book sent me a message asking me what was wrong, because they received a short message, which was particularly unsightly.
I almost threw up when I saw the content of the news. The other party actually called me a beggar by despicable means, asking people in the address book to give me charity and give me some money to pay back his online loan.
I've been doing public relations for people in the address book. All the people called them one by one and told them clearly that I met a liar and now he is getting back at me. Don't believe it.
Third day after expiration:
This horrible collection company finished calling again, and all the landlines of our company took them to the personnel department to talk to me directly. Finally, with the help of the personnel department, I coordinated and paid off this debt.
On the third day, the interest had risen to more than two thousand. It's a pure usury company. It obviously borrowed 1 100, and it increased so much interest in three days.
However, with the help and coordination of the personnel manager, only 1300 yuan was finally paid back, and this matter was finally handled satisfactorily.
Summary: Most online loans are illegal or do not operate according to common sense. Don't touch them unless you have to. Once contacted with online loans, the impact and consequences are particularly serious. It is not only to deal with the problem of collection, but also has a great impact on your future credit.