What will happen if you don't repay the loan?

A person who is tortured and destroyed by online loans will say what will happen if he owes online loans.

As the saying goes, it is only natural to pay back debts and kill people for their lives. You owe money. If you don't pay it back, it won't do anything to you. Then the state severely cracked down on the bad behavior of online loan collection. They won't come to your house to arrest people. The point is that they don't have this right.

If the online loan is not returned, it will generally go through very brutal collection means in the early stage, such as telephone bombing, address book explosion, sending collection letters to the unit or home address, lawyer's letters and so on. These are all psychological pressures on you. When you can't bear it, you will try to find money to repay it. If your heart is strong enough to survive this period, and they think you really have no money, they will reduce the frequency of phone calls. After a long time, some will give up. Your debt will change hands layer by layer, and you never know when you will call again. Sometimes it's quiet to change a calling card, and you can get a collect call later. They should be able to collect resources.

Online loans, such as borrowing money and spending money, are definitely useless if you are overdue. Some city businesses need the help of Alipay platform, so your life will be affected. Some other take-away part-time jobs are related to Alipay, and you can't do it either.

Now it is a completely credit-oriented society, and some online loans will have bad records, which will affect your future financial services such as mortgage, car loan and company loan guarantee.

As for whether I will be prosecuted, I haven't touched it yet. Some online loans are beheading interest, and some are usury, which is not protected by law. Even if sued, the court only supports reasonable fees. Later, some online lending platforms disappeared, and it is not clear what the debt will be like. Finally, I'll give you a word: when soldiers come, they will block, and water will cover them.

I accidentally talked about this topic when I was chatting with a fellow villager yesterday. He said that the economy was a little tight for a while last year, and he was embarrassed to borrow it from others, so he borrowed Alipay's loan of 4000 yuan, and he didn't pay it back after the deadline. At first, he was occasionally called by one or two strange phones, which he thought were harassing calls. Later, this phone kept calling and he answered it once. It turned out that Alipay borrowed a loan to urge him to pay back the money.

The fellow villager said to pay back the money quickly. Not long after, the phone call for repayment came from the other mountain. Villagers simply don't answer his phone. No one answered this phone, so people called my family and friends in my hometown directly. It's really terrible to urge repayment. I actually know the phone numbers of my family and friends in my hometown, which makes my hometown lose face. His parents are also worried about him. They thought he borrowed a lot of online loans, and later learned that he owed 4000 yuan, so they took out the money.

It is natural that people are willing to lend you money, which greatly facilitates everyone, but you should pay it back on time when it is due, and be a man of your word. However, the repayment technology of online loan companies is really clever, and people cannot help but admire it!

Not much, depending on the amount. If it does not exceed 10000, it will become a dormant account if it fails to collect for a long time. If the amount is relatively large, you may face prosecution (formal platform), and some may come to your parents' house or your place every day, and the neighbors will speak ill of you everywhere until your parents can't face the purpose of repayment.

I owed dozens of online loans and didn't pay them back. I changed my phone number and got nothing for three years. Today, the only online credit check is Alipay. Seeing the penalty interest, I took the initiative to go to Alipay customer service and said that I could only repay the principal. They said no, then forget it. When do you want money, come and discuss it with me. Now I'm your uncle. Call me before we discuss it.

Li Xiao in Tsinghua owes 300,000 yuan in online loans!

This incident caused an uproar in the town overnight.

No one knows the truth of the incident.

However, many people received an unknown number from abroad and asked the person who answered the phone to tell Li Xiao to pay his debts.

There is also a lot of bombing information.

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

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

When I was in Tsinghua, I was the top student in the college entrance examination, which was very beautiful.

But why does Li Xiao owe such a big debt? Why are so many overseas numbers collecting debts?

Some busybodies inquired in many ways and found out the truth of the incident from many clues.

After Li Xiao went to Tsinghua, he became addicted to online games, failed many subjects and gradually became depressed. For fun and excitement, he later took part in online gambling with his classmates, gambled away all his living expenses, and then cheated his parents of money at home. In the end, I couldn't cheat money and borrowed online loans. In addition to five or six domestic platforms such as White and Small X Finance, overseas online loans were also borrowed.

In the end, the money was gone and the debt was not paid. These collections made it impossible for Li Xiao to study and live, so he simply didn't answer the phone. The online loan platform collection exploded his address book, not only the villagers know, but also the teachers and classmates of the school know.

I heard that the school is still studying whether to let him repeat the grade or expel him from school.

Poor, alas. This changed the life of the favored one.

Although online lending is a good loan, it is also harmful.

This goes back to today's question. What will happen to online loans?

1. The collection meeting keeps calling for debt collection, which affects normal study, work and life. Just like Li Xiao.

2. Regular online lending will collect relevant information and report it to the Credit Bureau, which will affect the purchase of houses and cars, bank loans, and even the work of civil servants, state-owned enterprises and government departments.

When you are in debt for a long time, you will try your best to contact your relatives, friends, classmates, colleagues and other people. You will lose face, and everyone you know will look at you with colored eyes.

4. The parties and their relatives may be required to take photos (photos, horror images, etc.). ), threatened by abuse, and recruited by a third party for abuse and humiliation.

5. It will be investigated and collected by the online loan platform. In extreme cases, conflicts will occur. Although the other party also violates the law, there is only one life.

6. Be sued to the court for repayment. If the court does not repay the debt after the judgment, it will be classified as a "faithless person", also known as Lao Lai, who can't take high-speed trains or planes and restrict the consumption of hotels above the star level. , seriously affecting life.

In addition, if the amount owed is huge and the defendant is convicted of fraud, he may go to jail.

Above.

Cherish life and stay away from online loans!

If you don't repay the loan, you will definitely be collected and exposed in the address book. If you are psychologically strong enough to withstand the pressure and are not afraid of receiving credit information, you can also repay the loan. Maybe you can get rich by thinking, thinking, thinking, thinking and thinking.

I owe more than 40 online loans, all of which are a payment, an auction, a treasure and a loan treasure. Each collection method is different and makes me miserable.

When I started to contact with online loans a few years ago, I first borrowed a small loan from Chongqing, ali dad, which is now called online business loan. When I first started to contact, it was because I opened an online shop and needed capital turnover. Because I sold the goods, the repayment period was too long, and the capital turnover was not good, I used their loan platform, which has convenient ways such as order loan and early repayment.

At the beginning, the dosage was not very high, and it was just put into use in the early stage. As the first batch of users, the couple are also very powerful, and the loan interest rate is particularly low, so I use the money in the platform as my own money. At that time, when Jima Credit was first launched, my friends scored only 600 points, and I already scored 704 points.

Because of frequent use, the amount has increased a lot. At the highest time, you can borrow hundreds of thousands, because the payment is in it, and there are also hundreds of thousands of payment. The platform will take its own store marketing as its credit base.

The store is getting better and better, because during that time, the store was opened, supported by the platform, and there was no influx of e-commerce, and the money earned was also increasing.

Then I began to go with the flow and often went out to eat, drink and have fun with some so-called successful people around me every day. The store also hired two people to take care of it, because at that time I was selling a clothing store, combining online and offline, and I didn't have to intervene in the store at all. Every day, I just go backstage to see how many orders there are and how much I earn.

That year, my father-in-law got lung cancer, and no one in the family could afford it. All the pressure points to me, because life is at stake, and this is his wife's only father. I spent all my savings and borrowed money from an online merchant to help him out.

The chances that something like cancer can be saved are very small. Finally, the money was spent, but people didn't save it. Suddenly lost hundreds of thousands. I feel that life doesn't seem to have much meaning, and the loan on Alipay side has to pay tens of thousands of yuan each time.

At first, I borrowed money from my relatives and friends. I paid it back for some time, but the amount was still there, and the amount became smaller. I can't get it out every time I go in. Obviously, I want to push me to the wall.

I used a lot of credit cards to repay the loan, and then I had to borrow online loans to repay the loan, which was miserable.

At that time, I also took to the side door, gambling with my friends online, trying to turn over by gambling, but gambling would only get me deeper and deeper, and eventually I couldn't extricate myself.

Looking back, I found myself applying for more than 40 online loans, large and small, and a loan treasure. I was beaten by him for more than two months. I borrowed more than 1 1,000 from the beginning and paid it back in more than two months. The principal has been more than 60 thousand, and I still haven't paid it off. In the end, I chose to give up the repayment and forcibly go ashore.

Since I chose to give up repayment, I was doomed to embark on a road of no return. At first, people around me didn't know much about my debt, because I had been paying it back. My credit was still good at that time. As soon as I started talking, I borrowed three or five thousand dollars from my friends and arrived at the account in minutes. Since the debt broke out, my life began to hit a wall everywhere, and my friends around me began to gradually leave me. After several years of experience, I summed up the problems that I will face if I owe online loans.

From the day you are overdue, your loan will generate interest, as well as liquidated damages, and some online loans will have compound interest. The longer overdue, the higher the interest. For example, the daily interest rate of this Alipay flower bud is rising. Like the picture above, this one is still good, only 5 yuan a day.

After the online loan is overdue, the lender has the right to upload your overdue information to the credit information system of the People's Bank of China, which will cause your credit bankruptcy and make it basically impossible for you to buy a car or house by stages in the future.

After your online loan is overdue, the online loan company will call you to urge you to repay it, but you still refuse to pay it back. They will entrust a third-party collection agency to collect money from you. All consequences will be unimaginable, and many people will be forced to stand on their own feet.

Even these institutions will call your company to make you unemployed, and they will also call your relatives and friends to tell you the information about the arrears, so that your relatives and friends can hear it.

What's more, the staff of these collection agencies no longer harass you, but harass your friends in your address book, forcing them to repay you, and they will send fake lawyer letters to your village Committee or company to scare you!

Some loan companies will package your information and then report your bank to a third party. That's for sure. If you don't repay, you will be included in the list of dishonesty, and even limit your high consumption. Worst of all, if fraud is involved, you may get free food.

Summary: Eat as much as you have a big bowl, and don't overdraw in advance. I am a lesson from the past. If I don't touch this kind of online loan, I don't know how much better my life is now. Now I live a life of saving money every day, and I also live a life of hiding from the east. Don't surf the internet.

If you borrow an online loan and don't pay back the money, once the prescribed repayment period has passed, the platform will charge a penalty interest from the overdue date; Or collect liquidated damages. In addition, the overdue situation will be recorded in big data, leaving bad information, affecting personal credit, resulting in subsequent lending blocked. If some platforms or cooperative lenders access the central bank's credit information system, the overdue situation will be recorded in the customer's personal credit information report, leaving a bad record.

The platform will also send text messages or call customers to remind them to pay off their debts as soon as possible. If the customer fails to repay the loan for a long time, the platform may also be outsourced to a collection company for dunning.

There is no risk of civil litigation in owing online loans. After the deadline, the bank clerk will call the collection phone first. At this time, your arrears will have interest, overdue fees and late fees. These three expenses, together with the principal, are very high.

If you don't pay back the money within three months, the bank will entrust a third-party company to make a collection call. When the third-party company collects money, it will say, call your relatives and friends and come to your house to find you. These are all means of collection, that is, to make you afraid, and if you are afraid, try to pay back the money. He will call you every day, of course, you have to answer the phone, you can't stop answering the phone, you can't lose contact, you can't turn off your phone and change your number.

If you lose contact, the bank has the right to contact your family, and if you don't pay back the money for a long time, the bank will also contact your family. And I can sue you directly, sue you! Do you think you should answer the lawsuit? Definitely! If you don't answer the lawsuit, a lot of problems will come out. Let's not talk about this. Sue you, the court will definitely decide, and you will definitely lose because you owe the bank money! After the court closes the case 15 days can appeal, 45 days to execute the court decision. If you don't pay back the money 45 days after the judgment, the bank will submit your assets to the court for execution, and then the court will auction the assets under your name.

If you don't pay back the money, you will be forced to hang on the list of dishonesty, commonly known as Lao Lai. Limit three highs! There are also restrictions, and Alipay WeChat bank cards will be frozen. Your parents and children will also be affected, especially if your children can't go to a good school, enter a state-owned enterprise or buy a house in the future.

Finally, a civil lawsuit can be detained 2-3 times a year, once 15 days, and a bank can make you detained 2-3 times a year. How many banks do you owe?

This is all the harm of not paying back the money. Don't think about whether to pay back the money, the money will always be paid back.