The second reason is that the amount may be small and cannot be sued.
Third, either the online loan company has gone bankrupt [face][face]
If you owe 6 online loans that are overdue for more than a year and they have not sued you, then that explains the problem. 6 online loans are not formal. If you file a lawsuit in court, you will not get more money because many online loans have service fees, beheading interest, and insurance premiums. However, after the lawsuit is brought to court, the court will require the online lender to The loan platform will refund you the service fee, beheading interest, and insurance premium. The court will require the online lending platform to refund you the service fee, beheading interest, and insurance premium. The reason why the platform refunds you the service fee, premium interest, and insurance premium is because the law does not support borrowers charging service fees, insurance premiums, and premium interest. These are invalid and the court does not support them. This is why online lenders dare not sue you. One of the reasons
The reasons for not being prosecuted for more than one year are simply due to the following reasons.
①. The platform is illegal and itself is non-compliant.
Despite his usual aggressive approach to collecting money, I was actually very panicked. Every time I went to the police station to handle business, I said, "Come to me," and the other party hung up the phone.
②. The cost of prosecution is high and the efficiency is low.
Online loans generally have small amounts, low prosecution costs, and 100% repayment cannot be guaranteed.
③ Compared with prosecution, phone collection and text message collection are the most cost-effective and the lowest cost.
The purpose of lending on the platform is to make money, and of course the cost will be considered. Phone calls and SMS collection are the most efficient. Many people, under pressure from collections, have tried their best to raise money to repay. For the rest, even if you sue, the possibility of recovering the funds is very low. Therefore, it is not easy to prosecute.
④. The platform collapsed due to big waves.
In recent years, as national policies have tightened, the number of lending platforms has dropped sharply from a few thousand at the beginning to more than a hundred now, and many platforms have gone bankrupt.
In this case, "sweeping wool" has become a "required course" for many platforms.
I hope the above answers are helpful to you, thank you!
Because the court did not accept the case they sued, I have been in arrears on my online loan for more than 5 years. In addition to making phone calls, they also sent text messages and threats. Most of their contracts have overbearing clauses and can only be bluffed. I can't bring it to court!
Thank you for the invitation, I hope my answer can help you!
First of all, you need to find the reason for the debt, ensure that you do not continue to lose money, and eliminate the source of the debt. Online loans are online loans. Nowadays, online loans have credit citations or not. As for the consequences of non-repayment of online loans, we must first look at the creditworthiness of the online loan.
If it is an online loan listed on the credit report, if this type of online loan is not paid attention to for a long time, or is not repaid, the impact will be very large.
1. If you are included in the "untrustworthy list", if you never repay the loan, you can apply to the loan platform for court prosecution. In this way, the online lending institution will be included in the "untrustworthy list", which will affect your travel. Some high-speed rails, airplanes, sleeper trains, etc., as well as some high-end places are also the best places to go.
1. Don’t trust people on the “blacklist” easily. Don’t trust people on the “blacklist” easily. Don’t trust people on the “blacklist” easily.
2. Being sued, property was frozen or seized, bank deposits were frozen, and houses and cars were seized.
3. Serious cases may involve criminal fraud. If the amount of overdue online loans is large, it may involve fraud and lead to criminal detention.
For online loans that are not trustworthy, there will be the following consequences.
1. Being collected. Online loans that are overdue will continue to be collected, which will greatly affect your life and work.
2. Bear high late fees.
Of course, you should pay attention to the interest issue when borrowing online loans. According to the law, the interest rate agreed between the borrower and the borrower shall not exceed the annual interest rate of 24%. If the lender requests the borrower to pay interest according to the agreed interest rate, the People's Court will should be supported. If the interest rate agreed upon by both parties exceeds the annual interest rate by 36%, the excess interest agreement is invalid. If the borrower requests the lender to pay interest that exceeds 36% of the annual interest rate, the people's court shall support it.
Legal basis:
Article 26 of the "Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases"
The interest rate agreed upon by both parties If the annual interest rate does not exceed 24%, and the lender requests the borrower to pay interest according to the agreed interest rate, the People's Court shall support it.
If the interest rate agreed between the borrower and the lender exceeds the annual interest rate by 36%, the interest rate agreement is invalid. If the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the People's Court shall support the request.
Welcome to leave a message and communicate!
Not to mention online loans, the credit card is almost three years old and they don’t sue me. I don't care about him, just live your life well.
My online loans are not as many as yours. I only have three: Huabei for 35,000; Jingdong gold bars for 24,000; 360 for 20,000, and the rest are credit card turnover. My funds are almost out of circulation.
You owe 6 online loans and they are overdue for more than a year, but they have not sued you. It may be due to the following reasons:
1. Online loan interest rates are high and there are illegal lending practices. Possibility:
Nowadays, the borrowing interest rates of some well-known online loan platforms are much higher than those of banks, generally between 16% and 24%, and some are even higher.
The policy stipulates that if the borrowing interest is higher than 16%, then the user is overdue and unable to repay, and the borrowing financial institution does not allow violent collection;
If the borrowing interest is higher than 24%, then The borrower can only repay the principal within the scope of his ability;
If the borrowing interest is higher than 36%, then the lending platform must be prepared for permanent loss of principal
If If the borrowing interest is higher than 36%, then the lending platform must be prepared for permanent loss of principal, which means the borrower can refuse to repay.
You owe money to six online loan platforms and have not repaid them overdue, but the other parties have not sued you. This is probably the reason. The interest rates on online loans are high. If they sue you, they are very likely to lose. It won't be worthwhile and they will have to bear attorney fees and litigation costs.
2. Your borrowing amount is relatively small, and the legal fees are not enough to make it worthwhile;
Although you borrow from many platforms, the borrowing amount is relatively small. For example, each platform only borrows Several thousand yuan, less than ten thousand yuan. In this case, the platform will be unable to sue you because the cost of prosecution is not enough for attorney fees.
3. Less than the period for prosecution:
Generally speaking, the borrower is one year overdue, and the loan amount is relatively large (for example, more than 30,000 yuan). After many collections by the platform, the loan If the person still does not pay back the money, the platform will initiate legal proceedings. Otherwise, if the platform sues you in advance, the court will also rule against the platform.
You are only half a year overdue, and the platform will not sue you for the time being.
4. If the platform wants to sue, it will also randomly select a list:
Many debtors think that the platform will sue every debtor. In fact, this is not the case, because the workload is very heavy. The platform can’t handle it. What to do? The platform will randomly select a batch of names for centralized litigation, which can not only save a certain amount of litigation costs, but also achieve good results.
5. Borrowing platforms were rectified and went bankrupt:
In the past two years, the policy rectification of online loan platforms has been continuing, such as cracking down on illegal lending, crackdown on loan sharking, crackdown on Violent collection, etc.
Two days ago, Shanghai also smashed a violent collection company, focusing on the court's decision.
From the above reasons, it can be seen that debtors do not have to passively accept collections from online loan platforms. If we encounter violent collections and high-interest loans, each of us debtors must bravely pick up the debts. Use legal weapons to make complaints and safeguard your legitimate rights and interests without having to passively withstand pressure. Now is a society governed by the rule of law. We must also protect our own rights and interests against the unreasonable demands of lending platforms.
Well, I’ll share it here today.
I also owe money on online loans and credit cards, and it has been more than a year, and there has been no lawsuit.
When I first became overdue, there were many collection calls every day, and I also received many collection text messages, and even letters from lawyers. People will say that if they don’t pay back, they will sue and be sentenced by the court. In fact, these are all collection tactics.
My online loans are all formal, including Alipay, Huabei, and JD.com Gold Bars. My online loans are all legitimate, Alipay Huabei, and JD.com gold bars are all legitimate.
"
"Jingdong Gold Bar" is a brand and product of Jingdong Group. But Jingdong has a lot of calls, at least 7 or 8 calls and text messages every day, and the ones who answer them are all robots .
I have several credit cards, but none of them were sued. I once sued Industrial Bank, and the court was in Shanghai. I wrote a letter of objection to the jurisdiction of another place, but it was gone. There is no reply now.
In fact, the fact that there is no lawsuit does not mean that they will not handle your matter. It may just be that it is not your turn. Moreover, it is time-consuming and laborious to file a lawsuit in court, and they will let the third party collect it first. He said that he was lucky not to be sued. He should seize the time to make money and then negotiate with creditors if he had the funds.
Firstly, the interest rate was too high, and secondly, the police station and court would not accept the loan because he had no qualifications. This industry has a certain strength. Thanks to the country’s crackdown on pornography and illegal activities in the past two years, otherwise your grass would have grown very long [picking your nose]
Even if I sue you for online loans, it is still an ordinary economic dispute, and it will be fine. ! If you owe the bank a credit card, try it. If you are directly sued for credit card fraud, you will be held criminally responsible. Don’t be ridiculous. You can delay the online loan. At worst, the credit will be spent. If you owe the bank, please pay it back immediately. They will really sue you!