The text messages sent by you and me have to go through judicial procedures to freeze all bank cards in my name. Is it true?/You don't say. Do you know your brother who borrowed money online?

It's true. Your loan belongs to the loan intermediary platform, and users can apply for a variety of products by filling in the information. But at the same time, only loans can be approved and obtained, and other products can be applied after one settlement.

Delayed performance needs to bear the liability for breach of contract such as continuing performance, taking remedial measures or compensating losses.

legal ground

Article 107 of the Contract Law stipulates that if a party fails to perform its contractual obligations or fails to perform its contractual obligations, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 114 stipulates that the parties may agree that one party shall pay a certain amount of liquidated damages to the other party in case of breach of contract, and may also agree on the calculation method of the amount of compensation for losses caused by breach of contract.

If the agreed liquidated damages are lower than the losses caused, the parties may request the people's court or arbitration institution to increase them; If the agreed liquidated damages are excessively higher than the losses caused, the parties may request the people's court or arbitration institution to reduce them appropriately.

If the parties concerned pay liquidated damages for delayed performance, the breaching party shall also perform the debt after paying the liquidated damages.

Will have the following consequences:

1, facing high overdue interest or liquidated damages.

2. Accept several collection stages of the bank, such as telephone collection and door-to-door interview of the Commissioner.

3. If the amount is enough, you will face the risk of being sued by the bank. If the court decides that the bank wins the case, it will also pay legal fees, attorney fees and huge fines. If the amount reaches more than 654.38 million yuan, it will also face jail time.

4. There will be a credit stain on personal credit information, which will affect future life and make it impossible to borrow money to buy a car or a house.

If the economy permits, you can repay the loan in advance and settle the loan in full, and then negotiate with the bank to ask them to issue you a certificate to prove that it is not a malicious breach of contract. You can go to the People's Bank of China and ask for correction of records, or handle other credit business two years after the loan is settled, so that your bad record will no longer be reflected in the credit record. If the bank gives you a certificate, it doesn't matter even if the People's Bank of China doesn't update the record. If you go to other banks with this card, you will also handle business for you.