What if I send you flowers and don't return them?

What will happen if I give you a loan?

If you don't pay back or loans overdue, you will be charged a high fine. Overdue time is too long, through SMS, telephone, door-to-door collection. If you don't repay in bad faith, you can also appeal for compulsory repayment. If the circumstances are serious, the debtor also needs to bear legal responsibility. Moreover, now the central bank's credit information system and various platforms are interoperable, and the dishonest behavior of online loans will also be reported to the central bank.

1. Personal credit investigation refers to the activities of a legally established personal credit investigation agency to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Second: credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Three. influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Draft an administrative management bill

4. After receiving the objection, the credit reporting agency or information provider shall mark the objection on the relevant information in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, and conduct verification within 20 days from the date of receiving the objection, and give a written reply to the objection.

Five: after verification, it is confirmed that there are errors or omissions in relevant information, and the information provider and credit reporting agency shall correct them; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

Development of intransitive verbs

At present, the personal credit investigation business has further expanded to foreign banks and non-banks and entered a new stage of development in cooperation with institutions such as pawn, guarantee and leasing. Enterprise credit information system collects all kinds of business credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, performance evaluation letter of state-owned assets, etc.

Give you three years overdue, and now ask me to pay it back! How to deal with it?

This is the dunning method of the lending platform, so it is recommended to repay as soon as possible, otherwise you will face the following problems:

1, and bear high overdue fees.

For overdue fees, different online lending platforms have different names and charging standards. Whether it is called overdue penalty interest, overdue management or other names, the charging standard is very high. Therefore, those who can repay on time must not be overdue.

2. Receive different collection methods from the platform.

Collection is generally divided into three stages: the first stage is only a few days overdue. Warm reminder from platform customer service, overdue, please repay on time; In the second stage, if the overdue time is too long, the platform customer service will give a serious warning, and the threat of overdue will face serious consequences; In the third stage, the platform delayed for a long time, stopped persuading and started practical actions.

1. It is quite expensive to charge you overdue penalty interest. After giving you the overdue experience, my friend said that the first installment should be returned to 330 yuan, but it just arrived in 660 yuan, and the overdue fee was quite high, which caused great economic pressure to the lender.

2. Telephone collection. According to the feedback from some users who sent you flowers, it is quite powerful to call you for collection. Not only the borrower's phone number will be given, but also the reserved contact person who will inform the lender of the overdue situation will be given. Some users have reported that sending flowers to you will even remind all the contacts on the borrower's mobile phone to call, which has caused considerable trouble to the borrower and relatives and friends around him.

3. Affect the loan amount. Overdue will affect the credit evaluation of users. The lower the credit evaluation, the lower the loan amount of users. Therefore, if there is a record of overdue, it is not only difficult to increase the loan amount, but also the existing credit amount is likely to be deducted.

4. It will affect the re-borrowing. Users who spend overdue money on you can't continue to borrow money, and will leave overdue records on the repayment record, which will adversely affect the subsequent loan application.

5, affect the sesame credit, according to the users who sent you flowers, if the flowers are overdue, they will be recorded in the sesame credit, which will affect the users' sesame scores and hinder other consumption activities in the future, which is very unfavorable.

6. It will have a certain legal impact. If it is maliciously overdue, urging you to repay through certain legal means will undoubtedly bring adverse consequences to the lender himself.

As can be seen from the above, it is still quite serious to give you money overdue, and you can't continue to borrow money after it is overdue. Everyone must form a good habit of paying back on time and don't bring trouble to themselves and others.

Give you the consequences of not paying back the loan.

1, online lending belongs to private lending, so the non-repayment of online lending is only civil from a legal point of view and does not need to bear criminal responsibility. Therefore, the general online loan is overdue, and the other party only takes the means of collecting first and then collecting. There are not many examples of online lending. Even if the borrower finally decides to repay the principal and interest, the borrower only needs to pay back the money, which is not a big problem and does not need to bear criminal responsibility.

2. Article 201 of the Contract Law: If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

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First, sending you flowers is not bank credit, but linked to Alipay Sesame Credit. When you have overdue repayment or malicious breach of contract on the flower delivery platform, you will go to the credit information system of Sesame Credit to reduce Sesame Credit, thus Alipay will affect the use of other functions.

At the same time, in order to urge overdue customers to repay on time, you will be required to fill in a lot of relevant information when borrowing, including the contact information of relatives and colleagues. When you are overdue, the customer service staff will contact other emergency contacts, which will bring unnecessary influence to your social credit. So I suggest you borrow money and repay it on time as agreed.

Second, your favorite flower is a small loan software for college students and company white-collar workers. "Flowers for You" is based on mobile APP, and users are mainly 20-30 years old, mainly young people. Unlike other online loans, it is positioned as a small loan, with a general amount of several thousand, not exceeding 10,000, but it is much faster to review and make the next payment, which is also a major feature of it. It is a subsidiary of Beijing Dingli Chuangshi Technology. In addition, sending you flowers is not a credit report, but it is linked to sesame credit score. If there is overdue or long-term non-repayment, your sesame branch will decline, and everyone needs to pay attention.

What are the consequences of borrowing online loans?

Consequences of non-repayment of online loans:

1, and bear high overdue fees.

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, undertake the platform fancy collection.

The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it 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. 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 arranges 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. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

3. Facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously.

4. 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. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

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.

Extended data:

Overdue repayment of online loans will have the following adverse consequences:

1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will rise above the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to repay, and the repayment pressure will increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have the central bank's credit reporting authority, and may also report the overdue situation to the central bank for credit reporting, leaving bad information in the customer's personal credit reporting, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, due to credit damage, customers will probably not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving. Once problems are found, they will naturally refuse to approve the loan.

How the network platform loans overdue negotiates;

If the loans overdue applied for on the online lending platform has not been repaid by the customer, if repayment is to be negotiated, it must be made clear that the individual is temporarily unable to repay when contacting the customer service of the platform, because if the customer still has repayment ability, the platform will not negotiate with the customer. Moreover, customers can also provide relevant information as evidence, such as unemployment certificate, proof of termination of labor contract and so on.

Then we should also actively express our willingness to repay, and finally try to put forward an application for extending the repayment period and repaying by installments, and the loan platform will consider it as appropriate. What everyone needs to pay attention to is that the loan platform generally does not have a loan stop service, so it is inevitable to remove interest. However, if the repayment can be postponed, the repayment pressure can also be suspended.

Of course, the loan platform may also reject the customer's application for extension. In this regard, customers must make other preparations. For example, you can try to borrow money from your family and friends around you, pay off the loan first, and then return the money to your relatives and friends when you have money.