Will the elephant premium be prosecuted if it is overdue? Everything you want to know is here!

1. It is understood that the credit services provided by Elephant Premium are illegal, such as beheading interest, illegal charges and violent collection. It can be seen that it is not formal. If the borrower is overdue, the elephant premium will not be collected by legal procedures, but by illegal means such as telephone, SMS bombing, address book explosion and P-picture mass collection. The answer of elephant customer service is that it will affect sesame credit, credit information and other credit information systems, but it does not directly indicate that it is the People's Bank of China's credit information. According to netizens' feedback, Elephant Premium did not receive credit information after it was overdue.

Second, many people don't want their family and friends to know about their loans, but want to solve the financial problems themselves. Therefore, after the deadline, what they are most worried about is that online loans will explode the address book. According to the feedback and complaints from netizens, Elephant Premium has an expired address book, which will call family and friends in the address book and even send photos in groups.

Third, judging from your situation, no borrower has been sued by Xiaoxiang Youpin for overdue reasons. In fact, judging from the reasons why the elephant premium is complained, there are cases of beheading, illegal charges and violent collection, and legal procedures should not be chosen for collection.

Four. The elephant premium will be charged with credit information fee (about 65,438+00% ~ 65,438+05% before the next payment is reviewed), installment fee (including each installment fee) and liquidated damages. Some netizens borrowed 2000 yuan, which was paid in 1800 yuan in six installments, and the last two installments were overdue. The average day is relatively high in 50 yuan.

It is said that some borrowers and collectors have negotiated to repay only the principal and interest, but it has not been successful, saying that there is no relief, so if they are really unable to repay, they can try to complain to the relevant departments.

Six refers to the overdue repayment time, generally referring to banks, loan companies, etc. Overdue will generate interest and credit information, and serious will be prosecuted and imprisoned by the court.