Some people really have no money to pay back after borrowing money from online loans is overdue. What happened afterwards?

Borrowed168,000, spent 32,000, which is 255 days overdue. So far, there is no way to pay it off at one time, and the penalty interest is almost 20 thousand! At present, I have contacted my family and the village Committee, but I haven't filed a lawsuit at home, but it should be soon.

I have been shopping with Taobao since I went to college, and I have also opened a Taobao shop. I am a big fan of Taobao. Naughty values are all above 1000, and 88VIP is opened, so my Alipay sesame score is high. After starting my own business, I opened a business store, and the amount of Alipay began to rise. Flower buds rose to 33,000, flower buds were divided into 5,000 periods, and borrowing buds also rose from 88,000 to168,000. I didn't realize the seriousness of the problem at that time. I just think there are places anyway. If I have no money, I will borrow it. It's like borrowing money and not paying it back.

Under the pressure of various arrears, I started to borrow online loans: Didi Finance, Baidu has money to spend, rest assured to borrow, Zhaolian Finance, Suning Finance ... all I can borrow are borrowed! If you can't pay this sum, you can borrow another sum to pay it back. In this way, the loan will be increased and the debt will eventually be high. In just two years, the total debt has reached 600,000!

Until last June165438+1October, my loan was suddenly blocked without warning, and I couldn't lend any more! Originally, it was barely enough to go in and lend out every month, but suddenly it was blocked. The total amount was168,000, 12, and it was more than 10,000 yuan per month! At that time, my monthly income was less than 6 thousand, and suddenly I felt that the sky was falling ... all the worst possibilities began to emerge in my mind, and I was in a panic. I didn't know what to do and who to tell.

In this way, after a few days, I saw the repayment date approaching. I thought about confessing to my family and borrowing money from my friends, but I paid back this issue, and there will be another issue, and there will be another issue, which is 168000, not 168000! I certainly can't borrow that much money.

So I calmed down and listed all my debts and monthly repayments. Finally, I got an amazing result: all the money I earn every month is used for repayment except the necessary living expenses, but my total debt has not decreased! Instead, it has increased! Because I'm still borrowing! And rob Peter to pay Paul! I realized that it will never be clear to support loans with loans!

I finally made up my mind not to support loans with loans, but to choose overdue. Among all my debts, Alipay is the biggest one, so I choose to make it overdue, pay other small amounts first and settle them gradually.

When I first started overdue, I was scared. What if I search Alipay online every day after the deadline? I was scared to see the various collection methods shared by netizens. I don't know what I will face next.

After the deadline, my mood has changed from being uneasy at first to accepting the reality and adjusting my mentality to make money. It's not as terrible as I thought, but it's not so easy to face.

1, at least 3 times a day.

What impressed me deeply was the first time I received a collection call, which was probably one week overdue. In order to pay back the money, I deliver takeout every day after work. It was a Sunday morning, and I was running in the morning rush hour when the phone suddenly rang. I thought it was a customer call, so I answered it directly without looking carefully. I stopped and talked to the crowd on the road. I indicated my willingness to repay the loan, hoping to personalize the installment. But he told me there was nothing I could do and asked me to pay off the debt before 6 pm. He also asked my family's contact information, saying that he would come to investigate and so on. He had a bad attitude and hung up on me after threats.

Another time, when I was at work, the local landline called and thought it was work. I didn't know it was a collection until I took it unsuspecting. To my surprise, this collection attitude was particularly good, so I told him that it was not convenient for me to answer the phone at work. Please call me after 6 pm, and I will answer it. He also said yes, and then I waited all night that night, but I didn't get a call ... When I went to work the next day, I called several times in a row, even at night, and it was still the kind of chain that was life-threatening. I lost my temper in an instant, and I haven't received a call for collection since then.

2. When the phone couldn't get through, I started to contact my family and even the village committee.

I didn't answer the phone again, and I didn't change my number several times. Unexpectedly, the phone couldn't get through, and the collection actually began to contact the family. The fourth month was overdue, and I received a text message from my dad saying that someone called him and said that I was in loans overdue. Although I was psychologically prepared, I was still depressed. I feel guilty. A 30-year-old man lost his house, car, marriage, savings and was heavily in debt. I can't help my family and let them worry.

The fifth month was overdue, and I received my dad's message again. This time I called the village Committee to collect it! I didn't directly say that I owed money, only that the bullet train I took in Hangzhou, Zhejiang didn't scan the health code, so the village Committee contacted me to handle it and implicitly gave me this information. I know these collections put pressure on me to pay back. I can only ask my dad to tell the village Committee that he is a liar, and I don't care if I hit him again.

The state expressly stipulates that the borrower's information cannot be disclosed to third parties, but almost all online lending platforms will not abide by it, and there are various collection methods, so you can't prevent it.

We owe money, but is it reasonable to collect money by violence?

Alipay is now 255 days overdue, because there is no huge repayment pressure from Alipay. During this period, I have settled several online loans one after another. Up to now, there are still three online loans left, which are expected to be paid off this year. Several credit cards are also slowly repaying, and the arrears are gradually decreasing. At this time, I am really glad that 255 days ago, I chose to continue to raise loans without loans.

My current plan is to settle all online loans except Alipay this year, and then credit cards. If the monthly repayment of credit card is within my ability, I will negotiate Alipay repayment. Choosing overdue is not really not paying back the money, but for me personally, choosing overdue is my best choice at present.

Finally, I want to say that every debtor's debt has thousands of reasons. Reasonable debt planning and repayment plan are the first step and must be done! It's not that we don't pay back the money, it's just a temporary difficulty. Come on, everyone in debt!

If loans overdue, the other party has a process of debt collection, depending on the amount and time you owe.

Whether it is online lending or ordinary private lending, we need to do what we can and choose formal loan channels.

What will happen if the online loan is overdue: ① bear a high overdue fee.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

(2) Take charge of platform fancy collection.

Collection is generally divided into three stages:

In the first stage, just a few days overdue, the platform customer service whispered a warm reminder, 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 it will face serious consequences if it is overdue;

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. There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform sends special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. There has been a "violent collection" and no one wants to meet it.

(3) Credit information is tainted.

Now the online lending platform will be connected to the credit information system. Users who do not repay in time will be recorded in the credit information system, resulting in credit stains and affecting real life. If they want to buy a house, they can't get a loan. If they want to buy a car, they can't get a mortgage. What's more, if you become an old lai, you can't even take the high-speed train.

The defendant went to court.

A contract will be signed when online loans are borrowed, which is a legal certificate for safeguarding the rights and interests of borrowers in the future. If you don't pay back the money for a long time, the other party can take this contract to court and let you bear legal responsibility.

Don't be afraid, you borrowed money from Ma Yun, and finally the bank asked him for it. He is in more pain than you. Think about it. Several people have tasks to call you every day. How much pressure are they under? Even if you have no money, you don't have to answer the phone. How chic. They talked for half a month and didn't go in before five o'clock in the afternoon. Why? First report to the central bank's credit information system. I said that even if I agree to 60 issues now, I can't afford it. Let's get started. It's still the same thing after half a month. Let's wait for the final notice from the court. Nothing in front is useful. Anyway, don't think about owing money so complicated. Pay it back if you have money. Without money, there will be a stalemate. Anyway, they are paid to accompany you on the phone. You also solved some of the pressure for social employment. I don't want to answer the phone Because this is not a negotiation at all, they just set you up. There is no need to answer so many insincere phone calls. Just pick it up once or twice occasionally.

As long as the amount of money on a platform is not very large, you can survive the telephone bombing by spending thousands of dollars in the first month or two.

I'm going through, and now it's debt pressure, and it's a trough. I don't know what the road ahead is, but I'll try my best to pay off all my debts within two years. When the flowers bloom, I'll let myself go and look for a future life.

Is Ma Yun's money that easy for you to get? Won't they have a way? If the whole country borrows and doesn't pay it back, how big the hole will be. If it fails to return the credit report within the time limit, it is a colleague who borrowed money and did not return it. He was turned into an employee by Alipay in the court, so he couldn't take the high-speed train and the bullet train, and he couldn't buy a bus with his ID card. Finally, he couldn't bear to tell his family to help him.

The repayment date of Alipay Bai Hua is 10 the month after the payment is confirmed. Bai Hua can also handle the installment payment, which is divided into 3 installments, 6 installments, 9 installments and 12 installments, and the corresponding rates are 2.4%, 4.5%, 6.5% and 8.8% respectively. The longest repayment period of Alipay is 12 months. If you don't pay back the money, they will make a dunning. If it is too much, they will entrust a law firm. If you don't return it, there will be legal proceedings to sue you for fraud.