Although the interest rate of 1 and 360 IOUs is scary, it is still within the range allowed by the state (less than 24%, about 19%-22%). You are just cheated by all kinds of "money illusions" on the white strip. At present, the interest rate of banks in the same period in China is generally 3% for deposits and 6% for loans, including house purchase mortgage, which is similar, but a little lower. While banks in other countries in the world deposit about 3% and lend about 4%, so banks in China are the blackest banks in the world, and peer-to-peer lending is four times blacker than those in the world. Don't look at their damn daily rest. Who the fuck pays the daily interest rate? ! Multiply it by 365 to calculate the annual interest rate, and you will know what usury is. What is the "money illusion"? To put it simply: 1 Pack of milk is a little expensive in 2 yuan, but 1.99 yuan is not. This is the most famous "money illusion". More complicated, when we watch Hong Kong movies, we often hear that "nine out of ten is repaid to twelve", that is, 9 yuan is repaid to 12 yuan (calculated by 1 year), and the annual interest rate is roughly calculated to be 33.33%. But according to the equal principal and interest calculation, the annual interest rate is as high as 57%! And often there is only a three-month loan period, and the annual interest rate is 57%x4=228%! ! Young man, do you know how dark it is here?
2, 360 defaults to equal principal and interest installment repayment, repeatedly reminding you that this repayment method is easy to deceive! Repayment by installments with equal principal and interest is less than repayment by loan in the first few months (similar to average capital), but the total repayment amount is the most, and it is a one-time calculation (principal+interest)/loan period. This is why someone borrowed 1 day to return the hologram. Although it is difficult to repay the loan in the first three months, it will be easier in the future. 360 authorized to check your address book and telephone records. Your loan contract has a hidden mention, but you didn't read it carefully. This is undeniable.
Despite the above two points, you get real money, real RMB. Legally speaking, you are obliged to pay back the money, including (part of) interest.
4, 360 explosion address book, also mentioned in the contract, but I can't contact you. This is a malicious and violent collection. If you really go through legal procedures, this will help, but it is unlikely to exempt you from repayment. 360 IOUs hired a number of specialized dunning companies. From a legal point of view, 360 can evade most of the responsibilities, and those companies/personnel who violently urge money will continue to change their skins. The dunner will "intimidate" you. If you don't pay back the money, call your relatives and friends. Many people will casually say, you can call. Mr and Mrs Denner are waiting for you. They all recorded it. So you authorized them to blow up your address book. You have to say this: I have a telephone recording. I didn't authorize you to call anyone in my address book. If you call, you will bear all the legal consequences.
5, 360 If you say to send you a lawyer's letter, you only need to ask his company name, address and the name or employee number of the other party, and Lima on the other end of the phone will shrink back. The so-called lawyer's letter is just a "legal threatening letter". Anyone qualified as a lawyer can set up a leather bag company at will, and the more letters from lawyers, the better. People with real lawyer qualifications don't want to get involved in this muddy water. Malicious collection and intimidation are illegal in themselves. If it really makes a big deal, if you lose your lawyer's qualification certificate, you will not only kneel down and cry, but you may also go to jail. In particular, these people still know the law and break the law, and they have to be severely sentenced.
6. In terms of prosecution, the prosecution fee is about 5% of the amount involved. You need to sue in the local court. If you are not in the place where your household registration is located and have lived in other places for 3 years, the place of prosecution is the court of residence. Including labor costs and transportation costs, less than 5000 is not worth prosecution. If you really receive a court summons, you have to go to court. First, there are specialized court personnel to mediate, and 99% of them are done here. If the court staff fails to mediate, they will go to the court for judgment. The result of the trial judgment is non-negotiable, and it is a hammer sale. This loan amount only matches the local grassroots people's court. If you or 360 feel that the judgment is unreasonable, you can appeal to the Intermediate People's Court twice. The second judgment is a real one-time transaction and it is the final judgment. No court will accept three appeals. If the second-instance judgment does not need to pay back the money, you can do your best to ridicule 360 at the gate of the court. However, if you are judged to have to pay back the money, you must also pay back the money when you sell your car or house. Otherwise, 360 can apply to the court for seizure of your assets and subsequent enforcement. Court summons is generally not forged, but will be stamped with the official seal of the court. It is illegal to engrave the official seal of the court privately.
7. There are two kinds of repayment: inability to repay and malicious breach of contract. At any time, regardless of court mediation or judgment, the court can never force you to die. If you are really unable to repay, according to your family situation, personal income, etc. When to pay it back, or how much to pay each month. If you have no income at all, the court will not let you sell blood and kidneys, and will negotiate until you have money.
8. About 360, I will inform you of all kinds of fraud information such as the Criminal Investigation Brigade, going to the police station to surrender. The problem with you and 360 IOUs is to borrow money and pay back the money, which is a "civil dispute". The "Criminal Investigation Brigade" knew from its name that it was criminal investigation work. What does it have to do with civil disputes? You can Baidu the "Criminal Investigation Brigade" and see what they do. The Criminal Investigation Brigade does not accept any civil or criminal proceedings, because it is not the responding department, and the criminal investigation personnel do not have that much power. If you get this information on the phone, you can tell me. I don't know where the criminal investigation brigade in our city is. Since you sent it, you must know. Please tell me, if I go there, it will be your fraud! I recorded it on the phone! The other party in Lima is going to hang up. There are also funny people who ask you to turn yourself in to the public security bureau. The prerequisite for turning yourself in to the public security bureau is that you have violated the criminal law. Use your head!
9. It is illegal for the dunner to "persuade" you to borrow money from relatives and friends to repay. Why? Because 360 IOUs belong to the financial lending industry, it must bear the corresponding industry risks, that is, there is a situation in which funds cannot be recovered. Whether it is "borrowing" or another way of "turnover", 360 wants to avoid this risk and pass these risks on to your relatives and friends. It was really a dream in the Spring and Autumn Period. Therefore, our country's laws do not support repayment, and you are not obliged to borrow money to repay. Parents pay you back because they love you. It is normal for parents not to help you pay back the money, not to mention other relatives and friends. There is nothing wrong with the law. Even if you lose the lawsuit, the court will never let you borrow money to repay.
10, be sure to record the phone! ! ! ! Be sure to record the phone! ! ! ! Be sure to record the phone! ! ! !
1 1. If a dunner calls at home, they are not qualified to collect the arrears. Even if you pay back the money, you won't give it to them. Otherwise, if they take the money, you still have to pay back a lot. If they say they are authorized to collect it, they must take it away, video it on the spot and write a receipt.
12, it is illegal for debt collectors to knock at the door in the middle of the night, write and splash paint, or go to your unit to make trouble! From civil disputes to criminal responsibility, call the police. The Criminal Investigation Brigade will take care of it. Don't be afraid to let go. They will continue to hurt you. Whether it is bail pending trial or administrative punishment, they can't afford to be detained for three days for the first time, seven days for the second time and thirty days for the third time. Don't be afraid of them beating you and illegally detaining you. This is a criminal act. No one is "losing money", and no one is afraid of death. China public security hidden rules: murder case must be solved, gun case must be solved. They will weigh your money. Not worth it.
13, illegal beheading. Suppose the loan is 10000 yuan, with an annual interest rate of 20%, and the other party says that it is absolutely illegal to deduct the interest of 1 month first, that is, 10000-925 (approximately), and only lend you more than 9000 points. As long as 99% of the loans are started, it will be routine! ! The law in China clearly stipulates that you can get as much interest as you want.
14, horrible routine loan. It's horrible to be beaten up. Don't even think about robbing Peter to pay Paul, let alone borrowing other money to pay back the money, let alone! More! More! You can't trust the various "repayment methods" provided by lenders. I'd rather go to court than borrow any more! ! I really borrowed 2000 yuan from the Internet and paid back 200,000 yuan, so I got stuck in it layer by layer. All kinds of IOUs that make you write 200,000 are unreasonable. Even if you are anxious to pull your neck in your crotch, you can't agree to these obviously unreasonable demands.
15, all kinds of online small loans will be deceived by money illusion+numbers. Don't borrow it easily, be sure to calculate the interest and then borrow it. National laws currently support: if the interest rate exceeds 36%, the other party must return the excess; If the interest rate is between 24% and 36% and has not been repaid, there is no need to repay it. If it has been paid, the other party does not need to return it. Less than 24% is legal.
16. I saw on the internet the other day that a girl borrowed 1000, borrowed 1 month and returned 1300. She promised and dared to borrow it! ! ! ! 1000 yuan, 1 month interest 300 yuan, 1 year interest is only 3600 yuan, with an annual interest rate of 360%! A friend of the post bar summed it up very interestingly: even if you take money to save your life, it is a life for a life. Might as well just rob a bank. They're all dead anyway. It may not rob more banks.
17, important about credit reporting, it has been confirmed that 360 IOUs are connected to the credit reporting system of the People's Bank of China. As long as you are overdue, whether intentionally or unintentionally, it is your bad luck, and the system will automatically report the credit information without negotiation. There is also a penalty interest. So either run away and don't return it, or be slaughtered. For people with bad credit records, banks refuse to apply for loans (refusing to buy cars or houses), refusing to apply for credit cards (some banks can still do it), refusing to buy air tickets, only buying hard seats on trains, refusing to stay in star-rated hotels, refusing to enter high-consumption places such as golf courses, and children cannot go to private schools. It doesn't mean anything except the bank. You know, no one has a problem with money. Finally, although private schools will definitely let you study in order to make money, they have the right to expel your children at any time. For example, if you want your children to study a certain major, and the school is full of people, they will let you change your major. If you don't agree, you have reason to persuade them to quit. Anyway, it's troublesome to meet.
18. Don't be too afraid if you have a bad repayment record in your credit report. According to the regulations of China Banking Regulatory Commission, bad repayment records can only be kept for 5 years at most. You can start over after paying off the debt. In addition, don't touch JD.COM white bars easily, ants borrow white bars, ants consume white bars and so on, so it's easy to recalculate the five-year period carelessly! ! !