Joke Collection Website - Joke collection - My friend lent me Alipay 60,000, and now I can't pay it back on time. What should I do?
My friend lent me Alipay 60,000, and now I can't pay it back on time. What should I do?
You are all very useful. I'm sorry [covering my face]
First of all, congratulations! Fortunately, there is only 60 thousand yuan, so you can see your friends clearly. If such friends continue to develop, you may lose more. Now you can stop the loss in time. That's why I congratulate you!
We live in this society, and we all have three friends and four friends, but it is hard to see which friend is worth having and getting along with without going through the storm.
When your friend was in trouble, you gave him a hand and helped him borrow 60 thousand yuan from your Alipay. Now that he doesn't pay back the money on time, it's actually equivalent to you getting into trouble. Alipay's loan is a personal credit report to the central bank, which means it is related to personal credit.
So what is the impact of poor personal credit reporting?
First, affect the loan.
Banks and other financial institutions can access the credit information system of the central bank. Credit investigation is directly related to whether individuals can apply for loans and credit cards in banks, which is the most direct impact. The bank will check the personal credit report first, and if it finds a bad credit record, it will refuse to approve the loan.
The second is to affect employment.
Some large enterprises will conduct background checks on job seekers before employees join the company, and personal credit is one of them. From February of 20 15 to June of 20 15, natural persons who refused to repay all or part of the debts due and were listed in the list of people who have been executed in bad faith by people's courts at all levels in China will be punished by credit, and may not serve as the legal representative, directors, supervisors or senior managers of any company nationwide.
Third, it affects travel.
If an individual's credit record is not good, such as maliciously owing money to the bank, failing to implement it and being included in the credit information system, his travel will be hindered in various ways, and he will not be able to buy a plane ticket, a soft berth for a train and a second-class seat for a ship, a first-class seat for a high-speed train and a bullet train, and a private car. The travel of vehicles under his name will also be restricted.
Fourth, it affects the family.
Bad credit records not only have an impact on themselves, but also have a certain impact on families. For example, the bad credit record of one spouse will affect his spouse's application for mortgage from banks and other lending institutions.
Fifth, affect children.
The Supreme People's Court stipulates that parents are the executors of bad faith, and their children are not allowed to attend private schools with high fees.
Sixth, you can't apply for a credit card
If an individual already has a bad credit record, it is not acceptable to apply for a credit card for daily consumption.
Seventh, consumption is prohibited.
High consumption is prohibited. You can't spend freely in places above the star level, and you can't buy a house, decorate, travel, vacation, etc.
Therefore, you must first repay the loan on time and safeguard your credit information. Then communicate with friends and try to minimize the loss!
Your friend lent you Alipay for 60,000 yuan, and now he doesn't pay it back on time.
Since your friend doesn't pay it back on time, you should pay it back. Otherwise, you will suffer. Your friend, can you still get in touch?
A fall into the pit, a gain in your wit. You will know what to do when you encounter the same thing.
"Dude, it's time to pay back the money."
"No."
"No? Then I'll visit your house in the next two days, "he said, showing him the red travel itinerary code. "
This is a little joke I saw on the Internet today, but I also saw a lot of helplessness and humbleness. Money is very important to everyone. Friends help is friendship, but don't let yourself be wronged because of the so-called friendship. Besides, what kind of friends are you if you don't pay back the money?
My colleague and wife are both regular employees. When the lending industry is very hot, they almost become untrustworthy because they guarantee loans to others, and they can't find creditors again and again. The couple are faced with the possibility of losing their jobs.
As a result, her husband directly became a rogue. In the morning, the child was blocked at home before going to school and said, "If you don't pay back the money today, the child won't go to school. I can afford it anyway. If you dare to let the child out, I'll bring it back to you later. Do not believe you try. " My colleague, her husband, is bald and burly, so he looks like a hooligan. Didn't the last one give money?
Sometimes your embarrassment is an excuse for others to splurge. Good feelings are finally hurt by money. It is better to be reasonable and reasonable. This is your own. You don't owe him.
This kind of online loan can only keep your credit on time. It won't tell you human feelings occasionally like a bank. The system will help you remember. In case the credit rating of the whole loan is very low one day, there is no way to do it in the future. Don't worry, I don't know if your friend will help you so selflessly and generously.
You borrowed this money from Alipay, and the law requires you to pay it back. As for your friend borrowing with your Alipay, it is a dispute between you and your friend.
Since he borrowed money from you, he didn't pay it back on time after borrowing it. This is his fault. You are not responsible for this. What is the reason? This will make people feel chilling, but it will make the younger generation more and more presumptuous and indecent.
Anyway, I'm in the same situation as you, except that someone I've known for more than ten days lent him money, but when he borrowed money, he just said I didn't ask him to do any written evidence, so it's still very difficult for the police to get the money back now, regardless of economic disputes. I think it's just that Liu Bei borrowed Jingzhou and refused to return it. I think he will be punished. Even if he spends all his money, he can't let me suffer this loss! This is really a headache.
I really hate this kind of people and things. You certainly don't want to see such a person! Please don't lend money to others at will, even relatives can only borrow it after careful consideration. Of course, if you have money, you can give it at will, so I will sign up for money.
Trust has a cost, and abuse of trust requires responsibility. Alipay, as a lender, has the right to ask you to repay. When you repay the loan, you can ask your friends for it again.
I am stupid, who can blame me? I have no money, but I also use Alipay to help others borrow it, and I will brew my own bitter fruit and swallow it myself! ! If I were you, I wouldn't lend it to others even if I had money, let alone borrow it with Alipay. The money lent these days will become enemies when I want to come back, and I will speak ill of you everywhere and urge him to pay back the money. This money is the safest in my own hands! !
Alipay is a real-name authentication, and the use of loans, consumption, and online business loans will be recognized as my real-name authentication!
All you have to do is find a way to pay back the money on time. If you borrow money, you must go to the credit bureau. If you don't pay it back several times, the credit bureau will spend it all or be blacklisted, which will have a great impact on people who borrow money to buy a house and a car. I have suffered losses here myself, and the credit bureau is black. Borrowers need five years!
If you are a friend, you have to discuss it with him yourself. Advise him to write an iou, how often or in installments, so that you can be guaranteed. Don't think it's not easy to be friends, brothers and sisters are all clear!
Nothing else. If you cherish your reputation and don't want to have problems with your credit, you can repay it, or you can ask him to repay it afterwards. If necessary, you can keep the evidence and bring a lawsuit to the court.
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