Online loans lend directly without consent

We used to hear that it was really difficult to borrow money, but now this situation is slowly changing. If you don't borrow much money, it is really easy to borrow money now. However, it is easy to borrow money, but it is easy to step into the abyss of routine loans if you are not careful.

In recent years, with the popularity of online lending, more and more people understand the harm of online lending, so they become more cautious when lending.

However, who ever thought that the height of the Tao is one foot and the height of the devil is ten feet? Recently, there have been a lot of help-seeking information on the Internet, claiming that they were forced to borrow by online lending platforms.

What is compulsory loan? As long as you fill in your personal information, you don't need to apply for a loan at all, and the platform will automatically give you the money.

Because lending is really a very profitable business, online lending companies now often try their best to lend you money, and among them, some online lending companies have begun to make bad ideas and start buying and selling.

At first, they published their own online loan advertisements through various video platforms, take-away platforms, web advertisements and text messages. Do whatever it takes in advertising, and blow up your company with high quota, low interest rate, quick loan and more preferential treatment.

In order to attract people, some lending companies even tell you directly that as long as you register, they will not only give you a free online loan quota, but even give you a cash reward.

Many people think that as long as they register, they can get huge cash rewards. Isn't this a beautiful thing? Anyway, I just don't have to borrow money from their platform?

With the idea of taking advantage, some people happily downloaded the software and filled in their identity information. In order to get cash rewards from these platforms, they directly filled in their ID card information and bank card information, thinking about how much money they can have and how many red envelopes they can receive.

What was the result? You just filled in your identity information on your front foot. Maybe in just ten minutes, within three to five days, there will be a lot of money in your bank card. Do you think this is a cash reward? Think too much, open the software and see, the platform shows: congratulations, the loan is successful, the first loan has arrived, please repay it on time.

As for one or two thousand in your bank card? You think this is a cash reward? In fact, it is a platform loan. Usually, there are only one or two thousand loans on these lending platforms, but you are required to pay back more than twice the money within five to fourteen days.

What's more, the money in your bank card may be 1000 yuan, but the platform requires you to pay back 2000 yuan, which is much blacker than usury.

Speaking of this, some friends may say that I obviously didn't apply for borrowing money, but the platform gave it to me. Could it be a system operation error? Looking for a human customer service complaint can solve the problem.

However, when you go to the platform to find customer service, you will find that at this time, the customer service of the platform is either unreachable or waiting in line. Maybe you waited in that queue for hours, but no one handled it for you, and it's the same with calling.

Even if someone finally contacts customer service, others will only say sorry to you. If the platform borrows money, you need to repay it on time, otherwise it will affect your personal credit and credit investigation. As for the problem of repaying loans? Don't even think about it. How can people let you get away after trying to seduce you?

Many people have to pay back the principal together with interest because of buying a house and a car, considering that their credit information may be affected. Remember this lesson and you will never be cheated again. In fact, it is by taking advantage of some people's self-confessed unlucky psychology that scammers can successfully implement fraud.

Because people are curious, cheaters attract people to download and register their loan software through various means, which makes people hard to prevent. What should I do if this happens?

First of all, when we receive the money, we can go back as soon as possible because we didn't borrow it. Why should I pay interest on this money? After all, these platforms are forced to buy and sell, and we only need to return the principal as soon as possible, so naturally we don't have to pay interest for this money.

At the same time, we can make a complaint. There may be few platforms without complaint channels, but most platforms will still have complaint channels. At this time, we must keep the evidence of our complaint.

As for how to appeal? First of all, you need to show that I have never borrowed money from this platform, and this money was lent without my consent.

Secondly, we have to make it clear to each other that we paid back the money as soon as we received it and didn't use it for other purposes, so the interest generated by this money has nothing to do with me.

When making the above complaints, you must take screenshots or record all of them, leaving evidence, including screenshots of transfer payment and repayment of arrears, including screenshots of contracts and agreements on the platform. After all the above complaints are collected, go to the nearby police station for the record as soon as possible.

When calling the police, you'd better check it again to see if there is any relevant authorization. If so, you must cancel your account before you can cancel it.

Speaking of this, there may be feedback from friends that the account can't be cancelled at all because there is no repayment. If so, don't worry, because the other customer service will definitely make harassing calls.

When you receive a harassing call from the other customer service and want to collect the loan and interest from you, you can go back to the past with confidence: First of all, you didn't borrow the money, but the platform gave it to you, and you paid it back at the first time. Second, you have called the police for the record, so don't bother you by phone again. If not, go through the judicial process.

These loan platforms basically do not choose legal procedures. Why? Because their company's illegal lending behavior is not recognized by law, don't believe it if the other party tells you some nonsense about credit reporting. You know, the laws in our country are very perfect. Loans that are forced to lend like this are not recognized by law, so it is impossible to obtain credit information.

Generally speaking, our loan needs to go through the following procedures: first, you need to register your account, fill in your personal information and authenticate your real name, and then you need to choose the loan amount, loan term and loan repayment method. Then you need to submit a loan application and wait for the platform to review. After the approval, the platform will lend money.

And what about these regular loans? They lack intermediate use steps, so they actually belong to

Illegal business, so as long as you have been to the police station for the record, you don't have to worry too much about affecting your personal credit.

Moreover, the loan interest of such loan platforms actually seriously violates the corresponding laws and regulations of the state. We should know that the interest of such loans is actually limited by the state. The interest of these compulsory lending platforms basically exceeds the state regulations, and we don't have to pay back these interests.

If you receive phone harassment from these platforms later, you can tell the other party that you have handled it with the police. At the same time, the other party's telephone harassment and telephone bombing are also illegal and criminal acts. If it's serious, you can handle it with the police.

Here, I also want to remind everyone that you should never click on this kind of loan advertisement, let alone fill in personal information. If there is real loan demand, you can go to those large formal online lending platforms for loans.

Don't listen to the information written on illegal online lending platforms, saying that the review is fast, the interest rate is extremely low, and the loan is given a red envelope, because we can't confirm whether these platforms are legal and compliant, so don't believe what these platforms say in advertisements.

Once you borrow money on these platforms, or force loans, it is very likely that you will encounter endless debt collection messages and harassing calls for a long time.

Therefore, we must pay attention to protecting our personal information, because once it is obtained by criminals, it is likely to cause damage to our own interests.

Besides, don't be afraid in this case. If you don't know what to do, you can go directly to the police station and report the case bravely. Don't worry, with the double protection of the police and the law, no matter what tricks these criminals come up with, you can't help it.

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