Should I pay back the money I borrowed from Rong Rong now?

You must repay the money you borrowed from Rong Rong now. Generally, online loans are paid back. If you don't return it, it will affect your credit information.

First, beheading interest accounts for nearly half of the principal.

Teacher Ye said that in June, 2065,438+08, she applied for a U-card loan of 8,000 yuan, with an actual down payment of 8,000 yuan, but the contract showed that the loan principal was 1 1555.67 yuan. After that, I called the customer service to ask about the deduction, but I haven't contacted the customer service yet. As for the expenses of 3,555.67 yuan deducted in advance, there is no clear explanation in the contract. Teacher Ye said there was no hint before the next paragraph. Zhang and Ye, complainants of Black Cat Platform, suffered the same experience, and the next principal under the contract was changed to 14444.59 yuan, with a comprehensive annualized rate of 84%. Many complainants said that the yin-yang contract of U-card loan was not accidental, and the extra "principal" accounted for 44%-50% of the actual principal. In fact, the yin-yang contract of U-card loan is the beheading interest prohibited by the state.

Second, you Rong

U Card Loan is a cash loan platform of Rongrong Asset Management (Shanghai) Co., Ltd. (hereinafter referred to as "Rongrong Asset"). Its legal representative and ultimate beneficiary is Liang, holding 45.7 1%, and its main shareholder is Beijing Zhenru Investment Management Co., Ltd., holding 54.29%. More interestingly, Shoushan Financial Information Service (Shanghai) Co., Ltd. (hereinafter referred to as "Shoushan Finance") and Rongrong Assets have the same ownership structure. Rongrong Assets is mainly engaged in asset management business, and Shoushan Finance is mainly engaged in P2P business. According to the financial business personnel of Shoushan and Shoushan Finance, it has been transformed into an asset management business, and the P2P business will be completely stopped after redemption. WEMONEY found that its P2P platform was full of funds and there was no new bid. Official website shows that the balance to be received is 2170,000 yuan. According to the sales staff, both companies are operating normally, but several borrowers said that the official customer service calls of Shoushan Finance and Rongrong Assets were not answered. WEMONEY opened official website, a valuable asset, with only repayment account information and customer service phone number, but the customer service phone number was never answered.

Beheading interest means that the lending institution deducts a sum of money from the loan funds before the loan, and then transfers it to the borrower. For example, if the borrower borrows 1 1,000 yuan, the lending institution deducts 200 yuan and only releases 800 yuan, but the borrower needs to repay the principal and interest of 1 1,000 yuan, which is the beheading interest. Generally speaking, loans with beheading interest are usurious. Borrowers are advised not to apply for such loans. If the conditions are sufficient, you can apply for a loan from a bank or a regular licensed financial company.