Being cheated by Haier's consumer finance, can you not pay back the high interest?

According to Article 26 of "Fa Shi [20 15] 18", the principal (based on the actually received amount, deducting the interest, service fee, guarantee fee and insurance fee paid in the previous period) and interest (service fee, guarantee fee and insurance fee, etc.) can all be regarded as interest, which is absolutely protected within 24% of one year.

If the repayment is equal every month, the principal and interest will gradually decrease in the future, so the total principal and interest will be much less than the principal ×2%× the number of months of borrowing. Specifically, the monthly principal should be (original capital-paid principal), and the monthly interest and other expenses should be ≤ (original capital-paid principal) × 2%;

If the principal has been repaid, subsequent installments and expenses of each installment will not be calculated. According to Article 31 of the Law Interpretation [20 15]No. 18, the debtor can claim back the overpayment (through negotiation, mediation and litigation); If there are illegal and criminal factors such as routine lending and illegal lending on the loan platform, I think it can be ignored if only the principal, interest and other expenses are calculated.