Teacher's three online loans
There are more than a dozen pages in this contract that have not been carefully examined.
Since March 20 19, Zhang Hongwen's work and life have been completely out of control.
Repeatedly call colleagues, unit leaders and even superiors for collection. My daughter who just went to college cried and called and said, "Dad, I'm so scared." Family members, relatives and friends receive numerous harassing calls from Beijing every day. The collector went straight into the house late at night and said, "I won't leave until I get the money."
Zhang Hongwen is a teacher in Jinan Changqing. 2065438+March 2008, Zhang Hongwen, who knew nothing about online lending before, came into contact with the online lending platform for the first time because his cousin was in urgent need of start-up funds. "My cousin is in a hurry to use money. My own mortgage and car loan in the bank have not been repaid, so I can't borrow from the bank. Friends said that the threshold of online lending platform is low and lending is fast. I didn't think too much and started to contact online loans. "
Similarly, in the offline store of China Post Credit Financial Information Service (Shanghai) Co., Ltd. (hereinafter referred to as "China Post Credit") located on the 7th floor of Cyberport Building in Licheng District, Jinan, Zhang Hongwen borrowed 70,000 yuan in 36 installments and repaid 3,272 yuan each month. At the offline store of Fanpujinke Group Co., Ltd. (hereinafter referred to as "Fanpu Loan") on the 8th floor of Huaqiang Digital Plaza in Licheng District, Zhang Hongwen, the loan was 105000 yuan, with 24 installments, and the monthly repayment was about 6500 yuan.
Unexpected repayment interruption.
Third-party debt company
Call the leaders and relatives.
2065438+March 2009, an unexpected repayment interruption forced Zhang Hongwen to re-recognize P2P lending.
Because I helped my cousin borrow money, in the past year, Zhang Hongwen's online loan repayment was mainly transferred by my cousin every month and then returned to the platform. But in March this year, my cousin's company had a temporary cash flow problem and did not transfer the monthly payment to him. Zhang Hongwen's loan on the online lending platform was overdue for the first time.
Just a day or two after the deadline, I received a phone call from CreditEase Pratt & Whitney. Whitney. On the phone, I explained to them that the funds could not be turned around for the time being and gave an approximate repayment time. But the customer service forced me to answer a few questions and pay back the money. If not, I will call the leaders, family, children, relatives and friends. "Zhang Hongwen said.
Soon, he himself, his wife, his daughter and a large number of relatives and friends around him began to receive calls from the collection company. According to his wife's cell phone records, I believe Pratt & Whitney. Whitney, who started with "0 10 (Beijing area code)", received an incoming call, which could not be traced from top to bottom. One night, two young people believed by another platform friend came directly to their home, got the money and left. They also threatened that "I know where your daughter's school is" and asked Zhang Hongwen to go out to borrow money that night. They also said it was a third-party debt collection company.
No matter what occasion and time, someone will answer the phone. Once the phone is answered, it sometimes takes half an hour to call back. The collection staff repeatedly threatened to send people to their homes and units if they didn't pay back the money, and disclosed Zhang Hongwen's arrears information in the name of knowing the situation. "They said I was Lao Lai just to stink at me."
What makes him even more unacceptable is that the collection company even calls his colleagues, leaders and even superiors. Frequent collection and harassment let the superior competent unit find the leader, and the leader found him to talk. This was originally a few private loans, but now it has seriously affected the work.
Shocking loan contract
The actual loan interest rate exceeds 26%
More than 24% are protected by law.
After his life was completely disrupted, Zhang Hongwen began to re-examine his three loans.
This shocked Zhang Hongwen. "I was in a hurry when I borrowed money, and I had a lot of documents to sign. I didn't look carefully, but n
He also recalled that when handling loans, we should trust Pratt & Whitney; Whitney, a consultant, told him that the loan interest rate was "more than one point". However, if the loan of 6,543,800 yuan is divided into 36 installments, the monthly payment will be 5,065.438+03.72 yuan, the monthly interest rate of 6,543,800 yuan will reach 2.2%, and the annual interest rate will reach 26.82%. This even exceeds 24% of private lending protected by law. "The difference between two minutes and more than a minute is too big. Isn't this an introduction to fraud? " Zhang Hongwen asked.
The high liquidated damages also made him unbearable. Yi Puhui told him that the calculation method of overdue penalty is to charge 10% of the monthly payment of the current month on the first day of overdue, and then charge five ten thousandths of all outstanding principal for each day of overdue. After about 20 days overdue, Zhang Hongwen's monthly payment rose from 5,000 yuan to 8,000 yuan.
"I dare not think about what happened in the past two months. If possible, I want to return to a normal life. " Zhang Hongwen said.
respond
"I don't know how to calculate the 50,000 service fee."
In mid-April, Zhang Hongwen came to CreditEase Pratt & Whitney again to explain his views. Zhang Chen, the customer service supervisor of Xinpu Huixiangtai Plaza Store, received him.
As for the discrepancy between the contract amount and the actual loan amount, Zhang Chen explained that a service fee of 50,000 yuan should be paid to CreditEase in advance. "But if you are asked to take out this 50,000 yuan in the early stage, the pressure will be even greater, so the lender in the early stage will pay this 50,000 yuan service fee to CreditEase Pratt & Whitney; Whitney represents you. The 50,000 yuan paid by the lender on your behalf, including the principal of 6,543,800 yuan, is in the total principal. "
She said that the fee charged by CreditEase is 50,000 service fee. "How to calculate the service fee of 50,000 yuan? To be honest, I don't know. "
For Zhang Hongwen's proposal, the annual interest rate of 26.82% has exceeded the bank's interest rate by four times. Zhang Chen responded that the fees to be paid by customers include service fee and interest, with service fee of 50,000 yuan and interest of 30,000 yuan, which is no more than 4 times of bank interest. "Because we are three parties, you can't calculate the total cost according to the interest. The interest rate you understand is your cost, but the interest rate on the contract does not exceed 80,000. "
As for violent collection, Zhang Chen said that some customers have reported that Credit Suisse Bank has made great efforts; Whitney series is too strong, affecting customers. However, it is stated in the contract that if it is overdue for more than 15 days, you will definitely contact the surrounding areas for information exposure or disclosure.
Why is the interest rate more than one point when handling loans, but actually it has reached two points? In the face of Zhang Hongwen's doubts, the consultant who handled his business at that time also responded: "Yours
what is the purpose? You don't want to return it because I told you wrong? I don't think it makes sense for you to dwell on the problem of more than one point and two points. This is my fault. You can sue directly. You can try to see if this method is effective. If it is effective, you can sue. "
Lawyer's statement
In case of soft violence collection, the borrower can report the case after obtaining evidence.
Wang Jianhua, a lawyer of Shandong Shunxiang Law Firm, suggested that the borrower should call the police directly. "At present, the country is vigorously eliminating evil, and soft violence such as harassment, threats and intimidation is likely to be identified as black or evil and become a target. If the parties encounter such abnormal forms of intimidation, threats, harassment, etc. They will carry out soft violence collection and disrupt normal life. It is recommended that the borrower report the case to the public security organ after obtaining evidence. "
Related Q&A: CreditEase Pratt & Whitney's new salary loan100000. What's the interest rate for the 36th installment? The new salary loan used to be two points and three points. Now I hear that the interest rate has been lowered. Consider it two points and 36 installments, with an interest of 72,000!