What will happen to the online loan borrowed by telecom fraud

For the loan arising from fraud, the customer can choose not to repay it. If the platform still charges high penalty interest and various unreasonable fees, and continues to charge, in fact, customers can collect relevant evidence (such as transfer records, screenshots, etc.). ) and report to the Internet Finance Association or the local CBRC to safeguard their legitimate rights and interests. If you cheat more money, the customer can also file a lawsuit with the local people's court or report to the local public security department (you can contact other customers who are also defrauded by the platform to report the case together).

: the online loan was cheated, and the amount owed was too large to repay. Most customers will be constantly called and texted by the lending platform, which will also disturb their daily lives. It is also possible for the platform to obtain the customer's address book information and call the family and friends in the address book. After all, the platform can cheat customers, which is definitely not very formal. If the overdue time is long, it is estimated that the overdue fee will be more.

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. It is not uncommon for college students to borrow thousands of dollars from the campus loan platform and not pay back tens of thousands of dollars for several months. Therefore, those who have the ability to repay on time should never be overdue. Of course, those who don't care about "that little money" can feel at ease.

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.

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.