What about borrowing money online?

Hello, I'd be happy to answer this question for you.

Because I am a person who never repays the loan, I owe 49 platforms (including one loan, one loan, installment, one phase, lending treasure, etc.) until now. ), and the total amount of many platforms adds up to almost 6.5438+0.8 million. ) and 1 1 credit card *** 10 bank. I was sued by the bank some time ago, and I have already returned one. The total amount adds up to almost 0.2 million/200 thousand, except those who are prosecuted.

I was sued by a state bank. There is no way. After all, it involves the untrustworthy list, so it is not easy to carry out work in the future, so I will give priority to repayment.

What will happen if you answer your question accordingly?

If you don't return it, the consequences will be very serious. First of all, there will be a big wave of collection if you don't pay back the money. At first, a gentle female customer service called to ask why you didn't pay back the money. Please pay back the account actively.

Then every month, there are shrinking male voices calling to urge you to pay back the money. The tone of the phone is a little scary, but if you can't handle it, don't borrow money online.

Then, take a fake lawyer's letter, or send a letter to the village Committee, or go to your work unit and threaten you to pay the bill. If you resist this again, it doesn't matter, there are more below.

At our level, about six months ago, a so-called lawyer came to negotiate with you and asked you to pay it off in one lump sum, and then you could avoid it. First of all, I will send you a text message to see if you have contacted him actively. If it is, you still don't care. Congratulations, you're telling the boss to leave.

Now officially entering the boss moment, this time will take at least two years, and there are two choices.

First, bad debts. I gave up on you and will call you soon to say hello.

Second, the court filed a lawsuit. Because you are in a loan relationship, he will file a civil lawsuit, so don't worry. Because the cost is not directly proportional to the return, they are generally reluctant to choose this way. Even if they file a lawsuit against you and enforce it, if you don't pay back the money and there is no property in your name to enforce it, then he really can't help it and won't take the initiative to sue you. Under normal circumstances.

Finally, to sum up, we should be optimistic.

It is only natural to pay back debts. It's not difficult to borrow something again. Credit is the best status symbol. Credit bankruptcy is equivalent to bankruptcy. Please cherish your credit and don't overdraw maliciously. If you have different opinions on my reply, you can reply below. Thank you.

Good afternoon, I'm glad to answer your question:

There are many channels for private lending, including loans between natural persons and loans between natural persons and legal persons. These legal person enterprises include banks, microfinance companies and other specialized institutions. Now there is a new lending model, which is usually called "online lending". This is the lowest threshold and the easiest way to borrow money. People are easily fooled. First, because the threshold is low, there is no need to provide property guarantee or personal insurance. You only need to download an App to enter the page. Second, the loan is fast and there is no approval procedure. Third, loans to individuals are often in various names, and some of your loans are deducted in advance. The money actually received does not match the amount applied for. Fourth, the borrower is required to provide the mailing address and telephone number of some relatives and friends. What is their relationship? Having said that, you will understand that the next step of online lending should be to manipulate your problems.

There are also two online lending platforms. One is a regular online lending company registered or registered in accordance with laws and regulations, and the other is an illegal online lending company that has not registered or registered in accordance with laws and regulations, but installed an App and registered like a regular online lending company's Yellow Pages, deceiving borrowers. Regular online lending companies can synchronize the borrower's credit information with banks, but once they default, the credit information may be affected, and the consequences are consistent with the bank's dishonesty. Illegal online lending companies can't punish you without collecting your credit information, but they will use some unconventional means to interfere with your normal life and the relatives and friends you provide, and sometimes even endanger security and other factors.

Whether it is formal or illegal online lending, the purpose is to win profits. When they can't achieve the expected goal through self-help, they will bring a civil lawsuit to the people's court, because both legal and illegal online lending companies will often sign a loan contract with you when lending money to you. These contracts may be drafted by experts such as lawyers. So once you file a lawsuit, you should provide evidence to prove your claim that the loan is legal. If you can't prove that you have been cheated by routine loans, it is possible to make illegal loans legal through litigation, and you will be enforced by the court!

First of all, online lending will not involve 100% of criminal offences, and the worst result is prosecution. Because the state has issued a series of laws and regulations on online lending platforms, it is a problem for online lending to sue borrowers for any reason!

If the funder is a licensed online lending financial institution, the financial institution violates the relevant provisions of the Interim Measures for Internet Finance, which is definitely illegal.

If the funds come from the enterprise, then the enterprise violates the requirements of financial institutions to issue loans without exceeding the qualifications, which is also illegal.

If the lender of the online lending institution is an individual, the individual transfers the creditor's rights to the online lending company, and the online lending company sues the borrower, there is also the crime of illegally absorbing public deposits just released this year.

Through the above three points, if the online loan company sues the borrower, it is tantamount to shooting itself in the foot. Any one of them involves breaking the rules. Described as "if you don't do it, you won't die" and "if you don't report it, it's not time"

Many people say that online lending does not affect credit reporting. I want to say, it's because many people take loans to support loans, and they lose all their money. How many people are forced to commit suicide because of violent collection of online loans? ...

The news media and CCTV are exposing the routine of online lending, and even reaching into the campus to harm college students. Many college students even give up their studies to work to pay off their debts. This shows how harmful online loans are to finance and society!

The emergence of online lending is a big joke. Online lending is a folk usury with a beautiful coat. Some people even say that "it is only natural to pay back debts." I want to say, has online lending really reviewed the borrower's repayment ability? The purpose of lending online loans to ordinary people is to earn high interest. Who let it borrow it? Why don't those online lending institutions that have paid off their interest more than the annualized interest rate stipulated by the state pay it back?

"It is natural to pay back debts" is used between relatives and friends, and online loans are also available? Why don't borrowers who have caused bankruptcy or even suicide pay back online loans?

Online lending is a "slaughter" of money. In the eyes of online lending institutions, only "money" never treats borrowers as people. The end result is that investors are damaged, borrowers are destroyed and the industry is rich. The highest annual salary of the collection can reach hundreds of thousands or even millions. Money destroys human nature, which is really bad. Make money with blood. Will God let you go?

Online lending is self-made, and the final outcome is inevitable. As for whether online lending is still a personal behavior, the emergence of online lending also reminds us that any investment and lending are risky, and nothing will happen in the sky. Everything needs to be cautious!

1 From the platform point of view, the formal platforms are all on credit reporting, and it is certain that they will not be blacklisted after the deadline. This is the worst result of the overdue lawsuit. The informal platform does not display credit information, nor can it go to court for prosecution, even if it is prosecuted, the principal must be repaid.

In terms of collection efforts, whether formal or informal, I believe in my collection. Dare to give you money, you have this strength. Some people couldn't bear the first attack and began to pay back the money. Some people can make it to the end. Those on the regular platform can take it and sue in court for the second round. The number of people who can resist in the second round is obviously reduced. Of course, there are people who can bear it. As for who can resist, everyone almost understands. Those violations can only be to get back 50% of the commission after the collection, or to come back for nothing.

I specifically said not to return it. If you want to sue, go ahead. I'll wait. I won't pay it back anyway, which makes me very angry.

My online loan was not overdue from the beginning, and I planned the repayment date. At first, the company had a financial accident and the salary was paid three days late. Originally, my salary was paid on time, but there was an accident, so I was paid three days late. Without my salary, I can't afford to repay the loan. I'm afraid of being taken away. I called them to give me three days, and they agreed, but in fact they would come to collect it as soon as possible.

These collections are disgusting. I called my relatives and friends at 5: 00 in the morning and 1 1 in the evening on time, and also sent a mass message saying that I had a sexually transmitted disease because of whoring, so I had no money for treatment and borrowed their salary. Now I'm late. I hope you can tell me that the news came with my ID card. I have it. I also sent a text message saying that I ordered two coffins in Taobao and reserved them for my parents so that I could receive them on time. I also called the company and sent a lawyer's letter to the company, which led to my unemployment.

These collections are really cruel. A female friend of mine failed to return it within the time limit, and collected all kinds of P's of my female photos and female friends' photos on Baidu. They found out all kinds of P's and said yours is admirable and will last forever.

It doesn't matter if the online loan is not returned, because it is not a formal company, and there are yin and yang contracts. At the beginning, the cash bus was loaned 1000, with interest for one week 100. Is this what we should pay back?

If the online loan has not been paid back, congratulations. Because the country already has relevant policies, many online loans are forced to go offline! If online loan companies are attractive to you, don't worry, because many online loans are informal. The court will reject the appeal according to the actual situation, if the investigation is illegal! "Routine loan".

1. Overdue fines will not generate high interest, which will lead to interest rolling. Interest will keep rolling. Not interested at first. Under compound interest, the longer the time, the higher the interest, and one day your house will not be sold. If people don't pay you back, you can auction off your real estate and other assets. I'll be dumbfounded then

2. Your name will be blacklisted by the bank or UnionPay system, and it will be difficult to get a loan in the future. Ants in Taobao can't borrow money, let alone spend money. All kinds of credit cards opened by banks can't be used, so the credit is negative. It is impossible to borrow money to buy a house and a car in the future, and there is no land to make money and start a business.

Your reputation, reputation and social status will be affected. It's very harmful anyway. Unless you can rule four.

You can borrow money under false name and surname. Anyway, online loans, people can't find you in person. Everything is fine, happy!

Hello, I didn't do anything. Glad to answer your question!

It's like asking your friend for money. The nature is the same. Although you can't afford criminal responsibility, this is a civil dispute.

There is also that most of the online loans are on credit. If you don't pay back the stain at the credit information meeting, you won't get a loan when you buy a house or a car in the future.

Most online loans are illegal operations. If you have the ability, negotiate with the platform to return the principal.

I hope my answer can help you. If you don't understand anything, you can "pay attention" to my private comments.

There are still two kinds of people who borrow money online:

1. Long-term card maintenance and loan repayment;

2. I plan to earn a little bit because the capital turnover is overdue;

If you want to ask me what will happen if I borrow money, see my personal opinion. For example, I owe 1 million yuan and intend to pay it back, but it takes time and I can only let him spend it. I want to relax. I am so poor that I don't expect a loan. Then the problem is coming. The consequence of real borrowing is that I sort by the amount. Later, I will talk about what I encountered in this process:

First, the online loan is 2,000 to 3,000, and the usury rate exceeds 36%, and at most it will not be prosecuted. Don't worry, there are people who specialize in this, and there is no credit report. It doesn't matter, as long as the owner collects it;

Second, the online loan is more than 3,000 yuan, and the interest rate is lower than 15% ~ 36% (special loophole, card 36% red line). This kind of loan is mainly based on collection, but it will affect credit collection;

Third, the credit card or online loan is above 10000, and the interest rate is lower than 15%. This big platform, such as a treasure or a micro, will affect credit reporting. Looking at the court schedule and platform after half a year, there is a probability of being sued, just like a turntable. Maybe you just caught up with this time and won the lottery, but it doesn't matter, you can make good use of cash.

Four, credit cards and online loans of more than 50000, the interest rate is lower than 15%, there is a high probability of being collected within half a year, and there is a high probability of being sued within 6- 12 months. Basically, this kind of platform will have special treatment for this kind of large amount, but because there are many cases, courts and prosecutions, they are all packaged and processed in batches, and it is enough to respond to the lawsuit.

What I said earlier is an overview of an industry I talked with bank risk control and lawyers; Now tell me about what I met myself.

1, the first question is credit. This has nothing to do with the amount, but with your lending platform. (There are loan sharks who don't apply for credit reporting, and I know that there are special credit reporting, and the general limit is 2000-3000. Credit investigation is a systematic problem. If something goes wrong, you will apply for a credit card in the future and basically refuse it in one second, but the problem is not big. I can now type 10 pages of credit information. I have already spent it. I want to pay it back. I have no financial repayment ability. Don't scare me with this. However, when you make a credit report, it can be eliminated after five years. Don't worry too much;

2. There are not many lending platforms like me, but they are all large. I have a credit card of 6,543,800 yuan and a credit loan of 200,000 yuan. At first, I thought about giving up repayment, consulting a lawyer and reading legal provisions, which basically belonged to the kind of debt-bearing, but my daughter-in-law did not agree to divorce, which made me survive strongly. The first thing to deal with is the credit card and credit loan debt, which will affect the credit investigation in the short term at most and will be collected at least three months. But for such a large amount, friends who have consulted the bank's sub-control system will definitely sue, but according to the schedule, it will take half a year to sue, but in the early stage, you can occasionally call the customer service hotline to express your willingness and ability to repay, which can basically slow down. After 3-9 months, the bank still wants to settle your repayment through negotiation. Anyway, tell me about it. I am very lucky. I know several reliable friends who are willing to lend me money without my interest. With the help of my family, I borrowed some more money, but I didn't pay it back. I don't want to pay more because it's overdue. When the bank negotiated with me, I promised to pay it off at one time. Anyway, you were crying poor, so you can usually pay back the principal and a little interest.

3. Because online loans are basically unlikely to be prosecuted, there are. I have borrowed about 65438+ million from online loans, but I am not worried about their prosecution. After all, I have no assets in my name, so I will negotiate if I sue. I'm not there yet. I can't share the details, but because I have made this kind of short-term investment, I generally know that there will be no door-to-door or court prosecution below 1000 yuan, because the cost is too high, but the credit investigation will have some influence and the collection will be more annoying. Don't think about the collapse of the platform. If the platform falls down, there will still be a collection company to receive it at a discount, but it doesn't matter. If the quantity is small, take it if you are happy, and take it if you are unhappy. Don't have psychological pressure.

4. Credit card, belonging to the state, with an amount of more than 50,000 yuan. Because the application information is true, I was once worried about being sued for fraud. In fact, this is also easy to avoid. If nothing happens, you can talk to customer service and express your willingness to repay. Of course, having no money is not a big problem. The consequence of prosecution is that the person being executed is not credible and the limit is high. Because big data confirms that you can have this quota, it means that you basically have the ability to pay it off within 3-5 years, but it will be enforced after the lawsuit.

Since peer-to-peer lending as a whole belongs to the category of private lending, it will certainly be protected by law. If the borrower maliciously refuses to repay, then some formal platforms will protect their rights and interests through legal means according to the information provided before. In fact, it will leave a bad record for the borrower's credit, and the borrower will have difficulty in lending in the future. If the circumstances are serious, criminal responsibility may be incurred. But after your loans overdue, you should make the following preparations:

1. Take the initiative.

If the repayment cannot be made in a short time due to special reasons, it is best to take the following measures, notify the borrower and apply for an extension. After consultation with the borrower, the liquidated damages that need to be paid for the extension are generally based on daily interest or a fixed amount as compensation for breach of contract. This can avoid unnecessary economic disputes and bad credit records.

Don't ignore it, so the borrower will think that you are malicious and will take measures against you. If the amount is huge, you will be prosecuted. So you must communicate with each other first and negotiate the repayment.

2. Be prepared for collection.

When you owe money, you will receive a phone call from the loan platform in the early stage and ask why you don't pay back the money. There is nothing at this time. When you have not paid back the money, the platform will not waste time for you alone, but hand over your case to a third-party collection agency. At this time, your mobile phone will be bombed.

Not only you, but also your friends and family will receive similar calls, which will greatly affect your life. What should I do at this time?

After receiving the phone call, you must not express the idea of not paying back the money. You should stall the other party with some promises, because your phone is recorded, and these recordings can be used as evidence for prosecution, so you must pay attention to what you say, and you must not let the other party think that you owe money maliciously.

As for the harassment of family and friends, I can tell you a good way here, which is also my own experience. A friend of mine owes money and won't pay it back. I don't know why people always call me, thirty or forty times a day, which is annoying. I said to the platform, "I don't know how you know my phone number, but your behavior has affected my life." Now I have downloaded your telephone recording. If you call me again, I will apply to the court for prosecution. You have seriously violated my privacy. Besides, I haven't contacted this debtor for a long time, so please don't call me, otherwise I will take certain measures. " I haven't received a similar call since I finished this.

Just tell your relatives and friends, and there will definitely be no more reminders.

In short, if you don't repay the loan, your credit will be damaged, and then your future loan will also be affected. If you really can't afford it now, don't ignore it. Be sure to take the initiative to negotiate with the borrower, even if it is repaid in installments, don't maliciously refuse to pay it back. Try to stall the other party, and don't let this affect your credit information, not to mention friends and family around you. Finally, online lending is risky, and it is done and cherished.