There are many channels for private lending, including loans between natural persons and loans between natural persons and legal persons. These legal person enterprises include banks, microfinance companies and other specialized institutions. Now there is a new lending model, which is usually called "online lending". This is the lowest threshold and the easiest way to borrow money. People are easily fooled. First, because the threshold is low, there is no need to provide property guarantee or personal insurance. You only need to download an App to enter the page. Second, the loan is fast and there is no approval procedure. Third, loans to individuals are often in various names, and some of your loans are deducted in advance. The money actually received does not match the amount applied for. Fourth, the borrower is required to provide the mailing address and telephone number of some relatives and friends. What is their relationship? Having said that, you will understand that the next step of online lending should be to manipulate your problems.
There are also two online lending platforms. One is a regular online lending company registered or registered in accordance with laws and regulations, and the other is an illegal online lending company that has not registered or registered in accordance with laws and regulations, but installed an App and registered like a regular online lending company's Yellow Pages, deceiving borrowers. Regular online lending companies can synchronize the borrower's credit information with banks, but once they default, the credit information may be affected, and the consequences are consistent with the bank's dishonesty. Illegal online lending companies can't punish you without collecting your credit information, but they will use some unconventional means to interfere with your normal life and the relatives and friends you provide, and sometimes even endanger security and other factors.
Whether it is formal or illegal online lending, the purpose is to win profits. When they can't achieve the expected goal through self-help, they will bring a civil lawsuit to the people's court, because both legal and illegal online lending companies will often sign a loan contract with you when lending money to you. These contracts may be drafted by experts such as lawyers. So once you file a lawsuit, you should provide evidence to prove your claim that the loan is legal. If you can't prove that you have been cheated by routine loans, it is possible to make illegal loans legal through litigation, and you will be enforced by the court!
1 From the platform point of view, the formal platforms are all on credit reporting, and it is certain that they will not be blacklisted after the deadline. This is the worst result of the overdue lawsuit. The informal platform does not display credit information, nor can it go to court for prosecution, even if it is prosecuted, the principal must be repaid.
In terms of collection efforts, whether formal or informal, I believe in my collection. Dare to give you money, you have this strength. Some people couldn't bear the first attack and began to pay back the money. Some people can make it to the end. Those on the regular platform can take it and sue in court for the second round. The number of people who can resist in the second round is obviously reduced. Of course, there are people who can bear it. As for who can resist, everyone almost understands. Those violations can only be to get back 50% of the commission after the collection, or to come back for nothing.
First of all, online lending will not involve 100% of criminal offences, and the worst result is prosecution. Because the state has issued a series of laws and regulations on online lending platforms, it is a problem for online lending to sue borrowers for any reason!
If the funder is a licensed online lending financial institution, the financial institution violates the relevant provisions of the Interim Measures for Internet Finance, which is definitely illegal.
If the funds come from the enterprise, then the enterprise violates the requirements of financial institutions to issue loans without exceeding the qualifications, which is also illegal.
If the lender of the online lending institution is an individual, the individual transfers the creditor's rights to the online lending company, and the online lending company sues the borrower, there is also the crime of illegally absorbing public deposits just released this year.
Through the above three points, if the online loan company sues the borrower, it is tantamount to shooting itself in the foot. Any one of them involves breaking the rules. Described as "if you don't do it, you won't die" and "if you don't report it, it's not time"
Many people say that online lending does not affect credit reporting. I want to say, it's because many people take loans to support loans, and they lose all their money. How many people are forced to commit suicide because of violent collection of online loans? ...
The news media and CCTV are exposing the routine of online lending, and even reaching into the campus to harm college students. Many college students even give up their studies to work to pay off their debts. This shows how harmful online loans are to finance and society!
The emergence of online lending is a big joke. Online lending is a folk usury with a beautiful coat. Some people even say that "it is only natural to pay back debts." I want to say, has online lending really reviewed the borrower's repayment ability? The purpose of lending online loans to ordinary people is to earn high interest. Who let it borrow it? Why don't those online lending institutions that have paid off their interest more than the annualized interest rate stipulated by the state pay it back?
"It is natural to pay back debts" is used between relatives and friends, and online loans are also available? Why don't borrowers who have caused bankruptcy or even suicide pay back online loans?
Online lending is a "slaughter" of money. In the eyes of online lending institutions, only "money" never treats borrowers as people. The end result is that investors are damaged, borrowers are destroyed and the industry is rich. The highest annual salary of the collection can reach hundreds of thousands or even millions. Money destroys human nature, which is really bad. Make money with blood. Will God let you go?
Online lending is self-made, and the final outcome is inevitable. As for whether online lending is still a personal behavior, the emergence of online lending also reminds us that any investment and lending are risky, and nothing will happen in the sky. Everything needs to be cautious!
I specifically said not to return it. If you want to sue, go ahead. I'll wait. I won't pay it back anyway, which makes me very angry.
My online loan was not overdue from the beginning, and I planned the repayment date. At first, the company had a financial accident and the salary was paid three days late. Originally, my salary was paid on time, but there was an accident, so I was paid three days late. Without my salary, I can't afford to repay the loan. I'm afraid of being taken away. I called them to give me three days, and they agreed, but in fact they would come to collect it as soon as possible.
These collections are disgusting. I called my relatives and friends at 5: 00 in the morning and 1 1 in the evening on time, and also sent a mass message saying that I had a sexually transmitted disease because of whoring, so I had no money for treatment and borrowed their salary. Now I'm late. I hope you can tell me that the news came with my ID card. I have it. I also sent a text message saying that I ordered two coffins in Taobao and reserved them for my parents so that I could receive them on time. I also called the company and sent a lawyer's letter to the company, which led to my unemployment.
These collections are really cruel. A female friend of mine failed to return it within the time limit, and collected all kinds of P's of my female photos and female friends' photos on Baidu. They found out all kinds of P's and said yours is admirable and will last forever.
It doesn't matter if the online loan is not returned, because it is not a formal company, and there are yin and yang contracts. At the beginning, the cash bus was loaned 1000, with interest for one week 100. Is this what we should pay back?
1. Overdue fines will not generate high interest, which will lead to interest rolling. Interest will keep rolling. Not interested at first. Under compound interest, the longer the time, the higher the interest, and one day your house will not be sold. If people don't pay you back, you can auction off your real estate and other assets. I'll be dumbfounded then
2. Your name will be blacklisted by the bank or UnionPay system, and it will be difficult to get a loan in the future. Ants in Taobao can't borrow money, let alone spend money. All kinds of credit cards opened by banks can't be used, so the credit is negative. It is impossible to borrow money to buy a house and a car in the future, and there is no land to make money and start a business.
Your reputation, reputation and social status will be affected. It's very harmful anyway. Unless you can rule four.
You can borrow money under false name and surname. Anyway, online loans, people can't find you in person. Everything is fine, happy!
Hello, I didn't do anything. Glad to answer your question!
It's like asking your friend for money. The nature is the same. Although you can't afford criminal responsibility, this is a civil dispute.
There is also that most of the online loans are on credit. If you don't pay back the stain at the credit information meeting, you won't get a loan when you buy a house or a car in the future.
Most online loans are illegal operations. If you have the ability, negotiate with the platform to return the principal.
No wonder I borrowed money online. It will never be clear.
Three disadvantages: (1) It will affect your personal credit report and your future loan to buy a house and a car.
(2) If the online loan is overdue, it will cause unnecessary interest or penalty interest, and the means of collection will affect the normal work and life of yourself and your relatives and friends.
(3) If the loan amount is too large and overdue for a long time, the online lending platform will go through legal procedures and face the urging of the court, becoming a veritable old lai, which will have a great negative impact on future work, life and travel.
Therefore, it is still the phrase "positive repayment, no debt."
Some formal platforms are for credit reporting. Some people don't collect credit information, but those who do are not vegetarians and will use all kinds of violence to collect it. I can't clean it for half a year anyway. It's good to survive that year, but the collection will never give up.