165438+ 10/7, Mr. Li of Guizhou Province complained to Diannvbao that the installment loan in September was overdue for several days due to poor management. The installment music company leaked Mr. Li's personal information to the outsourcing collection company and carried out endless violent collection on Mr. Li and the people around him. Mr. Li's remarks also threatened personal abuse and had a serious impact on his life.
In this regard, the telegram from "Staging Music" to Bao said that it was the same, mechanical feedback. Hello, your question has been forwarded to the relevant departments for verification. Please be patient.
According to the internet database of economic and social enterprises (COP. 100EC. CN), installment music (used by Shenzhen installment music network technology co., ltd.) has a small legal person. Staging music cooperates with Shanghai Bank Co., Ltd., which provides loans and funds to customers. Serve the most growing credit consumers in China and help 400 million credit card holders to spend more with quality.
According to the number of complaints received by Diannvbao in the field of financial technology since 20021,staged music ranks first. Similarly, similar platforms complained about include Alipay, Alipay, ICBC's e-purchase, future installment, China Bank's smart purchase, auction and loan, China Gold Coin Online Mall, JD Finance, building block countdown wallet, useful installment, credit, Shengfutong, Phoenix Emergency, money slam and good installment.
In addition, "Tele-v-Bao" shows that "installment music" is suspected of information disclosure, refund and overlord clause.
Case 1: violent collection? "Staging music" means that there are twenty or thirty phone calls bombarding contacts except me every day.
65438126, Ms. Jiang of Guangxi Zhuang Autonomous Region complained to Diannv Daily that the staged music collectors were suspected of violent collection. Ms. Jiang told me that the platform bombed contacts other than Ms. Jiang twenty or thirty times a day, and did not contact me or lose contact with her. Ms. Jiang's unit and various departments have received harassing calls. Seriously affected Ms. Jiang's normal life and work. At the same time, Ms. Jiang mentioned that the platform also spoke ill of Ms. Jiang's colleagues and leaders on the grounds of supervising government departments. Moreover, on the rest day, he has been calling the office to harass.
In this regard, "installment music" reflected to "Electronic Woman Daily" that as an e-commerce platform for installment music, anyone can shop in installment music mall. When shopping, users can make full purchases through WeChat payment, bank cards and other means. Or credit installment consumption. Every credit consumption, order principal, monthly payment and comprehensive expenses applied through the installment music platform are clearly displayed. Only when the user agrees and enters the transaction password will the next step be approved.
After receiving the above user complaints, we will hand them over to the relevant staff of the platform for proper handling as soon as possible. However, as of press time, no response has been received from the complained platform.
Case 2 "Staging Music" is accused of high "routine loan" infringing consumers' rights and interests.
On September 23rd, Teacher Yin of Tianjin complained to Diannvbao that she had made a cash loan of RMB 65,438+04,000 on February 5th, 2065,438+08. As of September, 20021,17, Mr. Yin had repaid 18058.25 yuan to the platform. Recently, Mr. Yin carefully checked the bill and found that the original loan contract could not be opened on the installment page. After accounting, he found that the repayment amount was not included. Teacher Yin still needs to repay 28,580.32 yuan. After learning about the situation from installment music company, the other party claimed that Mr. Yin used the minimum repayment amount, and the outstanding monthly amount would be calculated as Mr. Yin's second loan with 12 installment, and the principal and interest would be calculated according to the standard of nearly 36%.
Therefore, the actual principal of Teacher Yin in their system is not the original 14000 yuan. Teacher Yin believes that according to the law, the actual amount collected is the principal, and the rest is interest deduction. The law does not support that the maximum interest rate should not be higher than the supported interest rate stipulated by the Supreme People's Court. Teacher Yin suggested that the music company should cooperate with him to check the order information and principal. Customer service claims that the company does not provide this service, claiming that customers need to check their own calculations. However, the software of installment music can no longer query the previous order details. When open order tracking, only the order number,
Later, Mr. Yin explained the situation. The customer service said that the server would sometimes delete such information, saying that everything would be subject to the system display of installment music company, and he refused to check the order form information with Mr. Yin. According to the installment music system, Teacher Yin needs to repay 46,648.57 yuan, which is more than three times the principal.
After receiving the above user complaints, we will hand them over to the relevant staff of the platform for proper handling as soon as possible. However, as of press time, no response has been received from the complained platform.
Related Q&A: What are the consequences of staged concerts? The borrower has to repay the loan in installments. The impact of the borrower's failure to repay the loan in installments is: 1. The borrower will be blacklisted by installment and cannot borrow by installment; 2. The borrower will be collected by installments, and the borrower's address book contacts will be called for installment collection, which will affect the life of the borrower and the borrower's contacts; 3. The borrower bears a high overdue fee for the staged music meeting. The longer the overdue time, the more expenses he bears; 4. The borrower's credit information will be tainted and will be reported to the credit information system in stages. 5, credit overdue, affecting the normal credit behavior of individuals; 6. The overdue penalty interest is more than 50%, and the interest is rolling, which makes your repayment pressure more and more serious; 7. Collection, mainly by telephone, may disturb your relatives and friends; 8, the court prosecution, serious cases may go to jail. Consequences of being sued by the court: the loan bank will collect your loan according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up your pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future. If you are not in arrears with the bank loan in bad faith and have the ability to pay the interest on the normal loan, I suggest you apply to the loan bank for an extension of the loan first, stating your willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future.