1. How much does it cost to entrust a lawyer to negotiate online loans?
Entrusting a lawyer to negotiate online loans is generally around several thousand yuan. The following standards are available for reference:
(a) does not involve property relations, the benchmark fee is 5000 yuan -30000 yuan/piece, which can be reasonably increased.
(two) involving property relations, according to the amount of the subject matter of the dispute, according to the proportion of cumulative charges:
1, 65438+ 10,000 yuan (including 65438+ 10,000 yuan), the charging ratio is 8%- 10%, and less than 5,000 yuan is charged at 5,000 yuan/piece;
2, 65438+ ten thousand yuan to 500 thousand yuan (including 500 thousand yuan) is 7%-9%;
3, 500 thousand yuan to 6.5438+0 million yuan (including 6.5438+0 million yuan) is 6%-8%;
4, 1 10,000 yuan to 5 million yuan (including 5 million yuan) is 5%-7%;
5, 5 million yuan to 1 ten thousand yuan (including 1 ten thousand yuan) is 4%-6%;
6, 65438+ RMB 0 million to RMB 20 million (including RMB 20 million) is 3%-5%;
7, 20 million yuan to 50 million yuan (including 50 million yuan) is 2%-4%;
8. More than 50 million yuan is 1%-3%.
Second, what are the consequences of peer-to-peer lending?
1, penalty interest and liquidated damages
If the loan is not repaid, the first thing you will encounter is high interest and corresponding liquidated damages. If you don't want to get yourself into a loan quagmire, you'd better develop good repayment habits.
2. Credit will be damaged.
Whether it is money borrowed from banks or money from online lending platforms, if it is overdue, it will be much more difficult to apply for credit cards or loans in the future. Some people think that overdue online loans have no effect on their credit information. In fact, this idea is wrong. At present, there is an interconnected encryption system between the online lending platform and the central bank. On the online lending platform, there will be a "blacklist" system that can be found in minutes.
If the circumstances are serious, people will go to jail.
Many people are very concerned about whether online loans will go to jail if they don't pay back the money.
Usually, this kind of non-repayment of money is a civil dispute and has not risen to the criminal level. However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail.
Third, what should I do if the online loan is cheated?
1, stay calm.
After you are sure that you have been cheated, don't panic and don't try to find a job. Money has been cheated, and crying can't solve it. Stay calm and try to solve the problem. Review the whole incident in time to understand the ins and outs of being cheated.
2. Collect evidence.
Leave evidence of being cheated. Including short message, chat record, call record, transfer record, etc. All this should be kept as evidence of deception, so as to provide it to the police and quickly file a case for investigation.
3. Call the police in time.
Contact the local police immediately after retaining the evidence and report the case to the nearby police station. Tell the police the process of being cheated and hand over the evidence collected by yourself to the police. Waiting for the police to summon, ready to help.
4. Change the password.
Change the relevant passwords on payment platforms such as your bank card in time to prevent scammers from using personal information to obtain login passwords and payment passwords and continue to endanger property safety.
5. Remedy in time.
Urgent measures should be taken to make up for the cheated losses. If the cheated money is transferred to the bank card by the swindler, you should contact the bank to see if you can freeze the money inside. If you cheat money and transfer it to a third-party platform, please contact the platform for help.
The lawyer's fee for online loan negotiation is generally several thousand yuan. The main consequences of not repaying online loans are: personal credit is damaged; Generate high overdue interest charges; Affect families and children; Serious will also bear criminal responsibility. If you find that you have been cheated after online lending, you must submit relevant evidence to the public security organ in time to report the case and apply for investigation.