Brother, do you owe much?
Second, do informal online lending companies not have to pay back the money?
This mainly depends on the degree of irregularity of online lending companies.
1, an online loan with excessive interest, which is what everyone said. If it is an online loan, the law stipulates that the annual interest rate is more than four times that of LPR.
2. Professional lenders. Some online lending companies will recognize lending as a profession and belong to professional lenders. Currently, professional lenders. For loans with invalid contracts, the deposit is enough, without interest.
He committed the crime of illegal lending and issued the corresponding judicial interpretation. Through judicial interpretation, we have a clear definition standard for illegal lending, which needs to reach a certain standard. If the other party is suspected of criminal responsibility. Generally speaking, in this case, no one will come to pay your debts.
Which collection doesn't explode the address book? What else can they do without breaking the address book? The exploded address book is the exploded address book, and the money is returned. Not only the face is gone, but also the lining is gone! What should I do? Call the collection will be severely scolded, take the initiative to scold, don't be afraid! I won't pay back a penny except to execute the ruling! Resist the collection and you will find that less is more money! Use this money to appease those harassed relatives and friends and give them a gift of 200 yuan. They immediately need loans to support loans, and are not urged to pretend to come to their homes, send letters to lawyers, send notices and other letters to negotiate repayment, legal help, negotiate installment, stop paying debts, reduce penalty interest, apply for loans and mediate debts. They just want to keep squeezing oil and water! Or cheat you into paying a part of the commission first! ! ! !
You are in debt, you scold the dog and then live a normal life and wait for the execution!
Remember, don't borrow money to pay off debts! ! ! Remember, don't borrow money to pay off debts! ! !
Mainly because of the lack of credit information, some informal online lending companies actually use your information to apply for bank loans, and it is still very troublesome to charge them service fees.
As long as you can get through it, you don't have to pay it back, because it is also illegal. Basically, this kind of company won't let your loan record be recorded.
Online lending companies have no formal or informal theory, and it is only natural to pay back debts. As long as they are online, informal people will not go to mobile phones, except for routine loans in Lanzhou.
Many people will have the concept that the online loan company that explodes the address book belongs to an informal online loan company. In fact, this concept is wrong. First of all, let's talk about whether it is a downloaded online loan APP or a payment loan. Before real-name authentication or when the APP is just installed, you will be allowed to open a permission. This permission is the permission of the address book. In this regard, the management of any loan company is not perfect in filling in the emergency contact number. For emergency contacts, you need to receive the verification code and give it to the lender before you can choose how many six or twelve issues to return once a month. The higher the fraud, the higher the interest. After choosing these, the online loan company began to lend money. If you say that you borrowed money on the 8th of this month, it's repayment on schedule. If you don't pay it back on the 8th, it's overdue.
Let's talk about a few more formal online lending companies, such as Alipay's online business loan, Flower Garden, WeChat's micro-loan, and Baidu's small and comprehensive comfort flower. Everyone has heard of these websites more or less. For these formal loan software, the loan routine is the same as above, and there will be violent collection, threatening collection or address book explosion, and serious home visits may be made.
Why are there overdue, violent collection or threatened collection of formal or informal online loans? Because the caller is a collection company, not an online loan company, but a special collection company. It is possible that an online loan company cooperates with several collection companies, and the same collection company helps several online loan companies to collect money. This is the phenomenon that lenders can find many online loans overdue when they receive a collection call. In short, for the routine of collection, that is, violent collection and threatening collection, the serious circumstances are the explosion of address books or home visits. Therefore, as a formal online loan or an informal online loan, if it is overdue, there will be a phenomenon of violent intimidation and collection. Of course, no matter whether the online loan company is formal or informal, it is still necessary to pay back the money borrowed from others. After all, it is natural to pay back debts. So, what to do, don't overdraw the future too early, so nothing will happen. Violent collection, threatening collection or breaking the address book will all leave you.
not necessary
No, at least the principal must be repaid, and if there is interest, it cannot exceed the state regulations.
3. Is there no legal responsibility for online lending?
The consequences of online lending without legal liability are as follows:
1. Bear high overdue fees.
For overdue fees, different online lending platforms have different names and different charging standards.
2. Take charge of the fancy collection of the platform
Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service warmly reminds, overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.
3. The credit information of China People's Bank is tainted.
At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains.
The defendant went to court.
After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.