According to your current situation, you must first find out what app it is. You can't call back the call you received. You have to check the customer service phone number of this app to find someone to communicate with.
At present, it seems that you should complain to the customer service first. You are willing to pay back the principal plus the previously agreed interest, without paying the liquidated damages, or you will not pay back a penny. If the other party doesn't agree, take two routes. One is to tell relatives and friends.
Personal information is leaked and fraudulent phone calls may be received. Don't answer strange calls, don't believe it. The second is to confess with your family and return the money. It is estimated that your online loan will not exceed 10 thousand yuan, so there is no need to bother yourself.
They must have got your address book phone number, and there is a high probability that it will be blown up.
When you borrow money, the loan contract actually takes effect. If you don't pay back the money on time, you will violate the contract. As for whether you can get credit information, you can go to the website of the personal credit information center of the central bank to generate a personal credit information report to see if there is a loan. If so, I advise you to return it at once.
Summarized as follows:
For this kind of loan company, it is usually small loan companies that can't get through the phone. But ordinary small loan companies have no credit right. Of course, this possibility is not ruled out.
You should know it properly. Then call the police or something. Don't even think about it. Some things can't be said in a positive way. And even if you take credit, a stain can't have much influence on your later life. So the root of the problem is whether you are afraid of being exposed in the address book, which is a very annoying thing.
How to deal with routine online loans?
The handling methods of online loan fraud are as follows:
1. After encountering online loan fraud, keep calm;
2. Call the police at the first time, or report to the local public security organ in person;
3. In the process of reporting the case, tell the public security organ about the process of being cheated and the cheated online loan platform;
4. Collect relevant evidence materials of online loan fraud, such as chat records and loan records, and submit them to the public security organs for filing. If you receive the same situation, it will be classified as a criminal case.
(1) defrauding public or private property worth more than 3,000 yuan to 10000 yuan, with a relatively large amount;
(2) thirty thousand yuan to one hundred thousand yuan is a huge amount;
(3) Suspected areas of more than 500,000 yuan are "extremely huge", and specific filing standards are determined according to local conditions.
If the loss is not fully returned, the victim can bring a civil lawsuit to the court and claim compensation from the fraudster. Prosecution must meet the following criteria:
(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in this case;
(2) Having a clear defendant;
(3) Having specific requests, facts and reasons.
Relevant laws and regulations
Article 266 of the Criminal Law of People's Republic of China (PRC)? If the crime of fraud defrauds public or private property, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; Whoever yells at celery and eggplant, if the amount is huge or there are other serious circumstances, shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Article 122 of the Civil Procedure Law of People's Republic of China (PRC)? Prosecution must meet the following conditions:
(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;
(2) Having a clear defendant;
(3) Having specific requests, facts and reasons;
(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.
How to call the police for online loan routines?
1. After learning that the other party is running away, you should collect the following evidence as much as possible:
(1) loan agreement;
(2) Lending records;
(3) SMS and telephone collection records;
(4) The third party pays the loan certificate sealed by the company;
(5) Agency service agreement and power of attorney;
(6) Notice of assignment of creditor's rights;
(seven) background records of intermediary institutions;
(8) Other contracts or records;
2. After collecting relevant evidence, you should go to the police in time and provide relevant information to the police.
3. In practice, even if the preservation measures are taken in time, the actual situation is different, and the situation involving funds is also very different. If necessary, I suggest that you entrust a lawyer to follow the criminal procedure and civil compensation procedure of the whole case.
Because the process of civil compensation or asset recovery in such cases is very complicated, although you may have seized the property, in the end, the court will have to deal with the seized assets according to the specific circumstances of the case, which requires professional lawyers to follow up.
According to the provisions of the Criminal Procedure Law, if online loan fraud occurs, the victim can collect relevant evidence and then report the case to the public security organ to investigate the criminal responsibility of the fraudster; If the loss is not fully refunded, the victim may bring a civil lawsuit to the court for compensation.
What should I do if I am beaten by a loan company?
Through the online lending platform, customers can keep relevant evidence, such as loan details, chat records, recordings, etc., and then report to relevant departments. Generally speaking, the legitimate rights and interests of customers will be protected, and you don't have to worry too much about regular loans. Generally speaking, conventional loans have the following characteristics: 1, and the loan interest rate is opaque. 2. There is a loan service fee. 3. There is a loan guarantee. 4. Charge the loan agency fee. 5. There will be "beheading". 6. No loan qualification. 7. The main company can't be found. 8. General loan news is published online. 9. Deliberately create traps to make customers overdue. 10, collect unfrozen deposits. In some of the above situations, customers need to be cautious. Pay attention to regular loans to avoid falling into the trap. When applying for a loan, in order to protect their rights as much as possible, customers still have to choose a formal lending institution to apply for a loan. Of course, formal lending institutions are slightly stricter.