I. Overview of Hubei Guoxiong Company:
Hubei Guoxiong Credit Management Co., Ltd. (hereinafter referred to as Guoxiong Company) was established on 20 14 with a total registered capital of 30 million yuan. Headquartered in Xiangyang, Hubei Province, it is a national company dedicated to providing high-quality personal credit non-performing assets disposal services.
The main business covers financial service outsourcing, legal consulting services, enterprise management consulting services and scientific research and development, aiming to provide high-standard, high-efficiency, full-product, full-cycle personal credit non-performing assets disposal services for every customer. Since its establishment, Guoxiong Company has won numerous awards:
Two. Introduction of Real-time Finance Company
Instant Consumer Finance Co., Ltd. ("Instant Consumer" for short) is a technology-driven financial institution with a consumer finance license approved by China Banking and Insurance Regulatory Commission. The company officially started its business in June, 20 15. In 20 16, 20 17, and 20 18, it completed three times of capital increase and share expansion, with a registered capital of 4 billion yuan. Shareholders include Chongqing Department Store Co., Ltd. (600729. SH), Beijing Zhongguancun Jinke Technology Co., Ltd., Wumart Technology Group Co., Ltd., Chongqing Bank Co., Ltd. (0 1963. Hong Kong, 60 1963. SH), Sunshine Property Insurance Co., Ltd. and Zhejiang China Commodity City Group Co., Ltd. (6004 15. hush
Loans overdue will have some bad influences. The analysis is as follows:
1, 50% penalty interest and 5/10000 overdue fine will be charged. And it is calculated according to compound interest. The longer the overdue period, the more money you have to pay.
2. After the personal credit report is overdue, it will leave a bad record. With a bad record, it will be very difficult to buy a house, a car and a credit card in a bank loan, including online loans, because now the "Xinlian" has been established, and both banks and online loans will receive credit reports in the future. The information of Xinlian is shared by the loan platform. So there will be records in the expired places.
3. A few days overdue, the bank just sends a text message to remind the user to repay. After one month overdue, the bank customer service will call the user to urge repayment.
4. If the user fails to repay after two months, the bank will forward it to the debt collection company, and the debt collection company will call your family and users for collection. Then the attitude will be bad.
If the repayment is not made after three months, the bank will initiate judicial proceedings and bring a lawsuit to the court. At that time, users will receive a lawyer's letter or a court summons. At that time, the court will freeze users' assets, including real estate, cars and bank accounts. If there are funds in the bank accounts, they will be used for repayment and payment of prosecution fees.
6. If you go to court to sue, users will be blacklisted as "untrustworthy". If you are blacklisted, you can't fly, take the high-speed train, stay in a star-rated hotel, be a business leader, be a director, be a member of the board of directors, your family will be implicated, and your children can't go to private schools. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment.
7. Therefore, it is best not to owe money to the bank. The consequences will be serious. The loan should be repaid on time. If you do have difficulties, you can take the initiative to consult with the bank, and the bank will reduce some overdue interest according to the actual situation.