What will happen if you don’t repay the online loan?

A person who has been tortured and devastated by online loans will tell you what will happen if you owe online loans.

As the saying goes: debts must be repaid, and murder must be repaid with life. This is a matter of course. What you owe is money. If you don't pay it back, it won't do anything to you. Furthermore, if the country severely cracks down on bad behavior in online loan collection, they will not come to your home to arrest people. The key is that they do not have this right.

If an online loan is not repaid, you will usually experience very cruel collection methods in the early stage, such as bombarding with phone calls, blasting your address book, and sending collection letters and lawyer letters to your work or home address. These put pressure on you. When you can't bear it, you will find ways to find money to repay. If your heart is strong enough to get through this period, they will think that you really have no money, so they will reduce the frequency of calls. After a long time, some will give up. Your debts will be changed hands layer by layer, and you don’t know when you will call again. Sometimes I change my phone card and it's quiet in front of me. After a while, I get collection calls again. Their collection resources should be figured out.

For online loans such as Jiebei and Huabei, Alipay will definitely be useless after you are overdue. Business in some cities requires the use of the Alipay platform, which will affect your life. Some of the other part-time food delivery jobs are related to Alipay, and you can’t do them either.

Today is a society that values ??credit entirely. Some online loans will have bad records, which will affect your future financial services such as housing loans, car loans, and company-operated loan guarantees.

As for whether he will be prosecuted, I have not yet contacted him. Some online loans have cut-off interest rates, and some are usurious loans. These are not protected by law. Even if they are sued, the court will only support reasonable fees. Some online loan platforms later disappeared, and we don’t know what will happen to the debt. One last sentence for you: When soldiers come, they will stop you, and when water comes, the earth will cover you up.

This topic happened to come up when I was chatting with a fellow villager yesterday. He said that last year, because the economy was a little tight for a while, he was too embarrassed to ask others to borrow it, so he borrowed it from Alipay’s borrowing platform. 4,000 yuan, but he did not pay back the money after it was overdue. At first, he occasionally received one or two strange phone calls. He thought they were harassing calls and did not answer them. But later, the calls kept coming and he answered them once. It turned out to be Alipay. Borrow the money and ask for repayment.

The fellow said he would repay the money as soon as possible. Not long after, a call came from across the country to ask for the money. The fellow simply stopped answering his call. If he didn't answer the call, he called directly. My family and friends from my hometown are really good at urging them to repay their money. They actually know the phone numbers of my family and friends from my hometown, which makes them very embarrassed. His parents are also worried about him, thinking that he has borrowed a lot of online loans. Later they found out that he After owing 4,000 yuan, I took out the money and asked him to pay it back quickly. In just a few months, he paid back the 4,500 yuan including interest and other things. After paying back the money, he canceled his borrowing and spending money on BMW. Bai function.

It is natural to pay back debts. It is a great convenience for everyone if others lend you money. However, when it is due, we should pay it back on time and be a trustworthy person. However, the repayment collection techniques of online loan companies are really brilliant, which cannot but be admired!

No problem, it depends on the amount. If it is less than 10,000 yuan, it will become a dead debt if the collection fails for a long time. If the amount is relatively large, you may face prosecution (regular platform), and some may Go to your parents' home, or go to the place where you live and watch them every day, and the neighbors next to you say bad things everywhere, until your parents can't show the purpose of repayment.

I owe no one of dozens of online loans. Also, I changed my phone number. I haven’t had anything to do with football in three years. When I checked my credit report online today, I could only find it on Alipay. When I saw that the penalty had doubled, I took the initiative to go to Alipay customer service and asked if I could just They said they can't pay back the principal, so forget it. When you want money, come to me to discuss it. I'm your uncle now. When you call, you have to call me first before we can discuss it

Li Xiao from Tsinghua University owes 300,000 in online loans!

This incident caused a sensation in the town overnight.

No one knows the authenticity of the incident.

However, many people received unknown numbers from overseas, asking the person who answered the phone to tell Li Xiao to repay the debt.

There are also a lot of text messages bombing.

The secretive attitude of Li Xiao's parents also reflects the authenticity of the incident.

Who would have thought that the proud son of the Li family would do such a thing?

When I was in Tsinghua University, I was the city’s college entrance examination champion, which was very impressive.

But why did Li Xiao owe such a large debt? And why are so many overseas numbers collecting debts?

The interested parties made inquiries and found out the truth of the incident from numerous clues.

After Li Xiao went to Tsinghua University, he became addicted to online games. He failed in many subjects and gradually became depressed. In order to find fun and excitement, he later participated in online gambling with his classmates. He spent all his living expenses on gambling and lost all his money. Later, he defrauded money from his parents, but in the end he couldn't get any more money, so he borrowed online loans again. In addition to five or six domestic platforms such as Moubai and XiaoX Finance, Li Xiao also borrowed overseas online loans.

In the end, all the money was lost and the debts could not be repaid. The debt collection made it impossible for Li Xiao to study and live. He simply stopped answering the phone. The debt collection from the online loan platform exploded his address book. , not only the fellow villagers know about it, but also the teachers and classmates in the school know about it.

I heard that regarding this matter, the school is still considering whether to let him repeat the grade or expel him from school.

It’s pitiful and deplorable. In this way, the life of the proud man was changed.

Although online loans are good, they can also harm people’s lives.

This brings us back to today’s question, what will happen if the online loan is not repaid?

1. Collection calls will continue to be made to the debtor, affecting normal study, work and life. Just like Li Xiao.

2. Regular online loans will collect relevant information and submit it to the credit report, which will affect future purchases of houses, cars, bank loans, and even civil service examinations, employment in state-owned enterprises and government departments, etc.

3. When you have been in debt for a long time, the collectors will try their best to contact your relatives, friends, classmates, colleagues, etc. You will lose face and disgrace, and everyone you know will use colored words. Eyes on you.

4. The parties and relatives may be extorted for photos (posthumous photos, horrific images, etc.), verbally abused, intimidated, and may be abused and humiliated by third parties.

5. You will be investigated and collected by online loan platforms. In extreme cases, conflicts will occur. Although the other party is also violating the law, you only have one life.

6. If you are sued to the court for repayment and the debt is not repaid after the court’s judgment, you will be classified as a “bad trustworthy person”, which is also commonly known as a bad person. You cannot take high-speed rail or airplanes, and star restrictions are imposed. Consumption in hotels above grade 1, etc. has seriously affected life.

7. Also, if the amount owed is huge and the defendant is found guilty of fraud, he may go to jail.

Above.

Cherish life and stay away from online loans!

If you don’t repay an online loan, you will definitely be subject to collections and your address book will be exposed. If you have a strong heart and can withstand the pressure and are not afraid of going to the credit bureau, it is okay not to repay. Maybe you can make a fortune through online loans [Thinking] ][Thinking][Thinking][Thinking][Thinking]

I have more than 40 online loan arrears, including a certain Paypay, a Paidai, a Jinbao, a Daibao, etc. , each company's collection methods are different, which makes me miserable.

When I first came into contact with online loans a few years ago, I first borrowed money from an Alibaba Chongqing small loan, which is now known as online merchant loan. When I first came into contact with it, it was because I I opened an online store, and the store needed fund turnover. Because the goods were sold, the payment collection cycle was too long, and the fund turnover was not feasible, so I used the loan platform they provided, and the platform has order loans, early payment, etc. Way.

When I first started using it, the credit limit was not very high, and it was just put into use in the early stage. As the first batch of users, the couple's strength was also very large, and the loan rate was very low, so I Use the money in the platform as your own money. When Jima Credit was first launched, my friends only had 600 points, and I already had 704 points.

Due to frequent use, the limit has been increased a lot. At the highest point, you can borrow hundreds of thousands, because the payment for goods is in it, and there are also hundreds of thousands of goods. The platform will use it as credit based on its own store marketing. in accordance with.

The store is getting better and better, because at that time when the store was opened, it was supported by the platform, and there was not a large influx of e-commerce, and the money earned was increasing day by day.

Then I started to wander, and I often followed some so-called successful people around me to go out to eat, drink and have fun. The store also hired two people to take care of it, because at that time I was selling a clothing store, integrating online and offline. I didn’t have to intervene in the store’s affairs at all. I just had to go to the backend every day to see how many orders there were and how much revenue there was. That's it.

That year, my father-in-law got lung cancer, and no one in his family could contribute money. All the pressure was directed at me, because life was at stake, and he was also my wife’s only father. He spent all his savings and borrowed money from an online merchant to help him out.

The chance of saving something like cancer is very small. In the end, the money was spent, but the person was not saved. I lost hundreds of thousands in one fell swoop. I feel that life has no meaning. , and the loan here on Alipay requires a repayment amount of tens of thousands of yuan in each installment.

I first borrowed it from relatives and friends to repay the loan, which lasted for a while. However, after the amount was paid in, the amount became smaller. Every time I paid it back, I couldn’t get it out. It was obvious that I wanted Drive me to my death.

I swiped a lot of credit cards to repay them, and then the credit cards had to be repaid, and I could only borrow online loans. I was just paying back the loans with loans, which made me miserable.

At that time, I also took a sideways approach and gambled online with my friends, hoping to rely on gambling to turn myself around. However, gambling would only make me sink deeper and deeper, and eventually I could not extricate myself.

When I looked back, I found that I had applied for more than 40 large and small online loans, and there was a certain Daibao. I was tricked by him for more than two months. It was only a little over 1,000 yuan, and I paid it back for more than two months. The principal was already more than 60,000 yuan, and I still hadn’t paid it off. In the end, I chose to give up the repayment and forcefully went ashore.

Ever since I chose to give up repayment, I was destined to go down a road of no return. At the beginning, people around me didn’t know much about my debt because I kept making repayments. At that time, I My credit is pretty good. I can just ask a friend to borrow three to five thousand yuan, and I can get it in minutes. Since my debt broke out, I have started to run into obstacles in my life, and my friends have gradually started to stay away from me. After these few years of experience, I have summarized the problems that I will face if I do not repay online loans.

Starting from the day you are overdue, your loan will accrue interest and liquidated damages. Some online loans also have compound interest. The longer you are overdue, the higher the interest will be. For example, Alipay's Huabei has a daily interest rate that keeps rising. Like the picture above, this one is pretty good and only increases by 5 yuan a day.

After an online loan is overdue, because of your non-repayment, the lender has the right to upload your overdue information to the People’s Bank of China credit system, causing your credit to go bankrupt and making you want to make installments in the future. Buying a car or a house is basically impossible.

After your online loan is overdue, the online loan company will call you to urge you to repay, but if you still refuse to repay, they will entrust a third-party collection agency to collect the money from you. All the consequences would be unimaginable, and many people would be forced to commit suicide.

Even these institutions will call your company to make you lose your job. They will also call your relatives and friends to tell you the information about the debt you owe. arrive.

What’s even more serious is that these collection agencies no longer harass you, but harass the friends in your address book, forcing them to force you to repay, and they will also use fake lawyers. Send a letter to your village committee or company unit to scare you!

There are some loan companies that will package your information and then give it to a third party to sue you. It is certain that you will lose the lawsuit. If you do not repay the loan, you will be listed as a dishonest person. , and even limits high consumption. In the most serious case, if fraud is involved, you may get free meals.

Summary: Eat as much food as you can afford, and never overdraft in advance. I have learned from the past. If I had not come into contact with this kind of online loan, the life I am living now would be incomparable. How much better now. Now I am living a life of counting banknotes every day and saving money one by one, and I am also living a life of hiding in Tibet. I must not take out online loans.

If you borrow an online loan and do not repay the money, once the specified repayment period has passed, the platform will start to charge penalty interest from the overdue date; or charge liquidated damages. In addition, overdue situations will also be recorded in big data, leaving bad information, affecting personal credit, and causing future borrowing difficulties. If some platforms or cooperative lenders are connected to the central bank's credit reporting system, overdue credit reports will be reported to the customer's personal credit report, leaving a negative record.

The platform will also send text messages or make phone calls to remind customers to pay off their debts as soon as possible. If a customer fails to pay the bill overdue for a long time, the platform may also outsource it to a collection company for collection.

There is no risk of civil litigation if you owe an online loan. After it is overdue, the bank clerk will first make a collection call. At this time, your debt will have interest, overdue fees, and late fees. Adding these three major fees to the principal, these fees are very high.

If you don’t repay the money within three months, the bank will entrust a third-party company to make collection calls. When a third-party company makes a collection call, it will tell you to call your relatives and friends and come to your home to find you. These are all methods of collecting money, which make you afraid. If you are afraid, you will find a way to pay back the money. He will call you every day, and of course you have to answer the phone. You can't not answer the phone, you can't lose contact, and you can't turn off your phone and change your number.

The bank has the right to contact your family if you lose contact. The bank will also contact your family if you do not repay the money for a long time. And we can also sue you directly, sue you! Do you think you're going to file a lawsuit? Definitely want it! A lot of problems will arise if you don’t respond, let’s not talk about this yet. If you sue you, the court will definitely decide the case, and you will definitely lose because you owe the bank money! You can appeal within 15 days after the court concludes the case and 45 days to implement the court decision. If you do not repay the money within 45 days after the judgment, the bank will submit your assets to the court for enforcement, and the court will auction the assets in your name.

If you don’t pay back the money, you will be forcibly placed on the list of dishonest people, commonly known as Lao Lai. Limit to three heights! There are also driving restrictions and freezing of Alipay and WeChat bank cards. Your parents and children will also be affected. In particular, your children will not be able to go to a good school, enter a state-owned enterprise, and will not be able to buy a house in the future.

Finally, civil lawsuits can detain you 2-3 times a year for 15 days at a time. A bank can allow you to be detained 2-3 times a year. How many banks do you owe?

This is the whole harm of not paying back.

Don't think about not paying back the money, you will always pay back the money.