At present, you can report directly through the complaint hotline 123 15, or you can report online through the national internet platform official website. The specific reporting process is 1. Enter "12315" on Baidu, sogou, 360 search and other tools; 2. Find "National Internet Platform official website 123 15" and click to enter; 3. After entering official website, you can see "I want to complain" and "I want to report" and click "I want to report"; 4. Take a few minutes to read the "Instructions for Reporting" carefully. Then click "Agree"; 5. Find the online loan platform to report according to the page prompts, and fill in personal information and enterprise information in turn; 6. After all the information is completed, everyone can submit a report. Under normal circumstances, the industrial and commercial department arranged by 123 15 will check the report within seven working days and decide whether to file a case, which will be extended to fifteen working days under special circumstances. After filing the case, the relevant departments shall make a decision within 90 days from the date of filing the case. If the case is complicated, it may be extended for 30 days. According to Article 8 of the Civil Law of People's Republic of China (PRC), civil subjects engaged in civil activities shall not violate the law, public order and good customs. Guarantee Law Article 33 The term "mortgage" as mentioned in this Law means that the debtor or a third party takes the property listed in Article 34 of this Law as a guarantee for the creditor's rights without transferring its possession. When the debtor fails to perform his debts, the creditor shall have the right to discount or give priority to compensation with the price of auction or sale of property in accordance with the provisions of this law. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the collateral. Article 46 The scope of mortgage guarantee includes principal creditor's rights and interest, liquidated damages, damages and expenses for realizing mortgage right. Unless otherwise agreed in the mortgage contract, such agreement shall prevail.
I want to complain about Ping An Pratt & Whitney. How can I complain?
1. In many loan contracts, Ping An Pratt & Whitney will indicate the calculation method of liquidated damages for early repayment. You can refer to the contract;
2. The customer service telephone number for calling Ping An Pratt & Whitney Loan is: 0353-6222-678. Ask the customer service staff to help you check the calculation method of liquidated damages for your products;
3. Contact the loan specialist through the official WeChat account of Ping An Pratt & Whitney Loan and ask them what the penalty for prepayment of Ping An Pratt & Whitney Loan is.
After introducing the content of liquidated damages, Xi Cai Jun will introduce the specific methods of prepayment.
1. Log in to Ping An Pratt & Whitney Loan official website through the computer, find the order that needs to be returned in advance in the personal loan account, and return the remaining loan principal, interest and prepayment penalty according to the amount prompted by the system.
2. Download and log in to Ping An Pratt & Whitney Mobile APP, enter your own loan account, find the loan order to be returned in advance in the order bar, and select all repayment.
3. Contact the account manager who provides services for himself and make repayment at the offline business outlets of Ping An Pratt & Whitney.
Extended data:
Ping An Pratt & Whitney has established a set of risk control management mechanism including credit risk management and credit management system. It includes a central risk control mechanism that runs through the whole process before, during and after the credit granting, and adopts a periodic risk management mode to dynamically monitor customer information in an all-round and uninterrupted way through the "three lines of defense" of the regular business department, the approval risk control center and the risk control department.
In addition, Ping An Pratt & Whitney has accumulated the advantages of big data in the past 1 1 year, innovated the risk control model, and constantly optimized our risk control model by drawing lessons from the leading technology of the international consumer credit industry, so that customers can get more evaluation in the model, and constantly improve the central risk control management mechanism of credit risk management and credit management system.
At the same time, the scorecard model used by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, combines its own accumulated business data for many years, and comprehensively evaluates customer risks based on credit records, customer natural attributes and third-party big data information.
Can the bank complain about the delay in repaying the loan in advance?
1. Users need to apply for repayment in advance. The bank will review the application after receiving it, and the results will not come out immediately. Take mortgage as an example, it usually takes one month in advance and you should be patient.
2. If there is a clear stipulation on prepayment in the loan contract, the user can lodge a complaint with the Head Office if the other party still drags on, provided that the conditions are met.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.
Basic definition
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Loan skills
More and more post-80s loans are used to buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.
Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Don't take chances and delay the repayment time, resulting in a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
Complain that the banking supervision bank does not grant the loan contract.
You can complain.
If the customer can't provide a loan contract after applying for a loan at the bank, it is natural to go to the other party. After all, the loan contract is one of the important evidences to prove the loan relationship. If the bank does not provide a loan contract, it is a breach of contract.
However, it should be noted that sometimes the loan process is complicated, and the customer can't get the loan contract on the spot. Instead, the bank will complete all the follow-up procedures ten to twenty days after signing the loan contract, and then hand over the loan contract to the customer. Also, if you operate a pure online loan product, the bank will naturally not provide a paper version of the contract, and the customer only needs to sign an electronic version of the loan contract.
Who should I report to if the loan contract of a commercial bank is not stamped?
Committee on Banking Supervision. According to the relevant information, the reporting bank can submit it to the CBRC first, and then to the local agency. A bank loan contract refers to a loan contract with a bank or other financial institution as the lender, also known as a loan contract, a loan contract or a credit contract.