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Alipay borrowed 80 thousand, and now it is unable to repay it. What should I do? What are the consequences?

Alipay borrowed 80 thousand, and now it is unable to repay it. What should I do? What are the consequences?

Alipay has a financial license. In fact, if you don't pay back the money you borrowed from it, the consequences are basically the same as if you didn't pay back the money you borrowed from the bank.

Specifically, there are the following aspects:

1, repeated collection. Include personal collection and emergency contact collection. Call and SMS collection.

2. Welcome penalty interest. The interest of Alipay loans overdue is 7.5 ‰, that is, the interest of 1 ten thousand yuan is 2737.5 yuan, which is equivalent to 27.37% of the annual interest. This interest is equivalent to about four times of the bank loan, and it will continue to be calculated if it is not repaid.

3. Credit information is black. Alipay has a financial license. If loans overdue, he will be unceremoniously included in the credit report. In the future, if he wants to deal with financial institutions (not limited to Alipay, all banks are interconnected), he will be blocked, such as lending and car loans. It's basically a second refusal. Don't even think about it.

4. Yes. The consequence is definitely to lose the case and bear the principal, interest, legal fees and legal fees of Alipay. (according to the contract).

5. Be enforced. The consequence of being enforced is that the property under the personal name will be investigated, charged and deducted, and I may be detained and fined, blacklisted by untrustworthy people, and restricted from high consumption. And many of Lao Lai's packages will be enjoyed.

6. The worst consequence is to be investigated for criminal responsibility. Generally speaking, there is no danger of crime in loans overdue. However, if the debtor refuses to perform the repayment obligations determined in the judgment after entering the execution procedure, if the circumstances are serious, he will be investigated for criminal responsibility for refusing to execute.

Since Alipay has this business, there are enough ways to deal with people who fail to pay back after the deadline. Therefore, it is best to pay it off as soon as possible, otherwise, in short, the consequences will be very serious.

Inability to repay means overdue. I'll tell you what the consequences will be with a real Alipay overdue case.

My cousin owes Alipay 1.3 million yuan, and the overdue loan cannot be repaid. His handling process and consequences:

1, take the initiative to contact: I took the initiative to call Alipay customer service on the overdue day to explain the situation, but I haven't yet. The customer service will definitely disagree, and it will hang up without discussion. Then 1 month did not receive a phone call from Alipay, and received overdue information tips every day.

2. Customer service phone number: 1 month later, that is, the second repayment date, I called to inquire about the overdue situation and contacted two common contacts in the address book to find out the specific situation.

3. Sesame score drop: drop once a month, with more than 50 points each time. Affect the use of other functions, the bud is closed.

4. Overdue records are reflected in credit reporting: Alipay is a formal platform and has been connected to credit reporting. On the third day after the deadline, he went to check the credit information and found that it was reflected in the credit information.

As long as it is overdue for a long time, it will not be included in the "blacklist" and limit "high consumption". Only when these people are judged to be untrustworthy can they be blacklisted and have high consumption. If they negotiate with Alipay before the trial, there is still a chance that they will not be included.

At present, it is only a "blacklist" of credit, which affects the inability to apply for credit cards or other loans. If you are able to pay back the money, the overdue record will be eliminated after five years from the date of settlement.

5. Penalty interest: overdue fee of 65438+ 0.5 times of normal interest will be charged for overdue amount. His daily interest rate is four ten thousandths, and the overdue interest rate is six ten thousandths, that is to say, one day 1.6 yuan, 1.3 million yuan is 78 yuan interest, and the monthly interest rate is 2340 yuan.

6. The collection staff came to the door to verify the situation: after 4 months overdue, Alipay collection staff came to the door and two people came. When I got home, I was very polite and completely followed the formal process.

First, I introduced myself as a staff member of Alipay, and showed my work certificate to verify my true identity.

Then, we will begin to talk about the situation. We won't ask you why you borrowed it, but mainly understand why it is overdue.

Finally, comprehensively verify the current work situation and economic expenses, and discuss how to solve this problem. It wasn't decided at that time, because my cousin really had no money and didn't know how the project was going. Everything is unknown. So I dare not show anything to the door-to-door staff.

After the activity, the collector politely said goodbye and left.

Up to now, one year and three months have passed, during which Alipay made a phone call to negotiate a new repayment plan. After my cousin learned about the plan, he was not sure whether he could return it, so he didn't agree for the time being. I haven't received it until now, but the overdue text messages have been received normally.

In fact, don't be too afraid of collecting, and he won't dare to hurt you. On the other hand, collectors are afraid of you.

I have seen many examples of threatening to collect money at home. As a result, the debtor said, "Go home and try", but the collectors were afraid to come. What if you come to me and face a debtor who is on the run?

It is natural to pay back debts, but it is not because of life. Now it is clearly stipulated that the legitimate rights and interests of debtors should be protected, and no violent collection or insult should be allowed.

If the other party has these behaviors, you can take photos and videos and keep the evidence. When it's really time to get caught, you should be confident that you have the evidence.

7. About being: Everyone says being, in fact, worry is superfluous, and there are very few cases of being paid by Alipay.

Threatening to send you a lawyer's letter or summons may be a means of collection. There is a judge's phone number on the summons, which will be known as soon as it is verified, or verified on the spot.

Even if it involves links, don't be afraid, just respond positively. Show your actual situation and repayment ability.

The general judge will let you negotiate with Alipay again. If negotiation is not appropriate, prepare for the worst and enforce it. Fully verify your assets and property and seal them up for debt repayment.

If you really have no assets and can't pay back the money for the time being, then you may be included in the "blacklist" and limit "high consumption", which will always be a stain and difficult to move.

Therefore, it is the best result not to pay back the money within the time limit. To evaluate your ability, ideal consumption is the best choice.

When you borrow money from Alipay but are unable to repay it, the serious consequences are as follows:

1. Alipay will kindly remind you by customer service phone within a few days after the initial overdue.

At the beginning, Alipay will remind you by SMS, customer service phone and other friendly ways. But you still haven't taken the initiative to repay, and there is deposit in your bank card bound by Yu 'ebao or Alipay, then the balance in your bank card or the money in Yu 'ebao will be automatically transferred to repay your debt bill.

2. If you collect calls, text messages or don't pay back in a friendly way, your relatives around you are the collection targets.

If you are overdue for too long and still fail to repay the loan, Alipay dunning customer service will treat your parents or brothers, or even your other relatives, and will harass you with various text messages and phone calls every day until your relatives repay your loan.

3. Start calculating interest.

When you are overdue for more than a certain period of time, the interest will begin to be calculated, and the interest will increase exponentially with the increase of your overdue time. So if you don't repay the loan for a long time, the amount you need to repay will be several times the amount you borrowed.

3. Decline in credit score

Alipay Sesame Credit Branch will directly reduce or remit the loan, and your credit status will be uploaded to the credit information system. Because the loan is a loan product, it will be reported to the personal credit information system in a timely manner according to relevant regulations; You will not be qualified to use all kinds of credit-linked consumer goods, which will seriously affect your future travel and other loans.

4. Failing to repay the loan within the time limit will be blacklisted.

The consequence of being blacklisted is that you can't apply for any credit card, mortgage or car loan. Even finding a job will be rejected. Restrict personal freedom of travel, do not leave the country, do not take trains, ships or planes. Basically, personal travel consumption is no longer working, which will make you feel stuck and abandoned by the world.

5. Go through legal procedures directly

When a lawyer sends a lawyer's letter to your home or informs you, he will say that he is entrusted by Alipay to start the dunning procedure and repay within a time limit, and will also clarify the serious legal consequences of non-repayment.

Some people may think, "I owe you a loan, but I'm dead."

In fact, since Alipay gives you the right to borrow money, it also gives you the obligation to repay the loan. When you die and still owe a loan, Alipay will first deduct money from your various bank cards or balance treasure. If it is not enough to pay off the loan, then your family and your children will inherit your loan bill and become the repayment targets; If you have no relatives, your inheritance will be mortgaged for repayment;

If you have nothing after you die, then Alipay can only eat coptis silently, and you can't tell the pain, but you can only recognize it.

Paying off debts is a matter of course. Borrowing is risky. If there is no corresponding repayment ability, you need to think twice about borrowing.

Borrowing is an online loan product launched by Ant Financial. The amount is between 1 0,000-300,000. The system automatically grants the amount according to the user's qualification. In general, the amount is between 2000- 1 ten thousand. Because borrowing is fast and convenient to use, there is no need to apply, so borrowing has become one of the main channels for many people to borrow money. At present, the user borrowing volume is conservatively estimated to be at least 50 million.

However, among many loan users, not all of them can repay on time. At present, the overall NPL ratio of loans is about 0.96%, and the highest NPL ratios are 1 and 12, with 1 being 3.58% and 12 being 4.36%.

The reason why many people are overdue is not that they don't want to pay back, but that they really have no money to pay back. What happens if you can't repay it when it expires? What are the serious consequences?

Many people may think that after loans overdue, the consequences will be very serious and they will face terrible collection. It's not that terrible. There is still a big difference between borrowing and other online loans. As a formal online lending institution, loans are strictly supervised by the regulatory authorities, so there will be no violent collection. When overdue, you will face the following situations:

1, penalty interest

After overdue loans exceed a certain grace period, Alipay will start to charge overdue penalty interest, that is, 65438+ 0.5% of the current loan interest rate. For example, if you borrow 50,000 yuan, the daily interest rate is 0.06%, which corresponds to the daily interest of 30 yuan, which is higher than the normal interest 10 yuan.

2. Collectibles

There is no doubt that any loan will definitely face collection, including borrowing. Once in loans overdue, Alipay will adopt different collection methods at different stages.

Generally, Alipay is mainly reminded by SMS within one month overdue, with corresponding telephone collection; Alipay is overdue for 2-3 months and will generally entrust a third-party collection agency to collect it. These collection agencies generally rely on telephone collection and create pressure on everyone by sending lawyers' letters. I hope everyone can take the initiative to repay; If it is overdue for more than 3 months and the overdue amount is relatively large, these collection companies may take further measures, such as contacting the borrower's address book, and even someone may collect it. And the acquisition frequency at this stage will increase significantly; If it is overdue for more than 6 months and the amount is relatively small, Alipay may treat it as a bad debt. If the quantity is large, it is possible to get everyone.

3. Personal credit information is affected.

At present, the loan is in the central bank's credit information system, and the information displayed is Chongqing Alibaba Co., Ltd. Once everyone exceeds the grace period, Ant Financial will report everyone's bad credit information to the central bank's personal credit information system, which will have an impact on everyone's credit information. If everyone is overdue for more than three months, it will affect everyone's application for mortgage, car loan and credit card.

In addition, the loan will also be recorded by Sesame Credit. If it is overdue, it will definitely affect the score of Sesame Credit, and then affect the related functions and permissions of Alipay.

4. Loans and flower beds have been reduced or even closed.

Alipay's quota for everyone is based on everyone's good credit. If everyone's loans are overdue, the amount of loans and the amount of flowers will be reduced. If the overdue period is serious, it will even close the borrowing and spending.

In short, the consequences of overdue loans are still quite serious, and everyone must repay the loans on time after using them.

The consequences are neither heavy nor light.

It doesn't matter because your relationship with the borrower is an economic criminal case that will not rise, which is better than owing money to the bank credit card. The latter is a credit card case, which is a criminal case. If you don't pay it back, you will go to jail. Therefore, compared with the money owed to the credit card, the consequences of borrowing 80,000 are not serious.

Not least because if you can't get the money you owe back, it will be very difficult for you in the future. Of course, it depends on your personal endurance in the end. If you are thick-skinned and don't care about being lazy, your influence is limited. If you are thin-skinned and want to be a good person, the consequences are actually quite heavy.

Ok, let's talk about what will happen if we don't pay back the money.

1. Regular dunning: If it is overdue, you must ask for a loan according to the specified procedures. Usually gifts are given first, and then soldiers are called. When calling for payment, there is also a hierarchy. You may just call your personal number in advance. If you can't get through, it will gradually expand, which is also commonly known as the explosion address book. At this stage, your relatives should receive the news that you owe money.

In addition, the dunning may be started by the borrower. If not, it may be a professional matter to a professional person and a professional dunning company to operate it.

2. Punishment means: You will use other means at the same time as regular dunning. The first is overdue interest, and your debt will increase. Secondly, you may not be able to use the products of the Ali system, and the corresponding account will be gradually frozen, and your daily life may no longer be convenient, and you can't buy them at buy buy in the Ali system.

Then your credit information will be blacked out. Now both loans and consumption have entered the credit information system, and there will be clear bad credit records. Even if the debt is paid off within five years, this record will not be eliminated. This means that your banking system can't borrow money at all, let alone get a bank credit card. Even other financial institutions will not lend you money. As long as you borrow money, you will be restricted.

3. Go through legal procedures: After going through the above procedures, you haven't paid back the arrears, so what awaits you is the final solution, that is, going through legal channels. In this case, you must have lost the lawsuit. After all, paying off debts is a matter of course.

At this point, you have to decide whether to continue to resist. Because you don't pay back the money at this stage, you will be on the national list of Lao Lai. At that time, your food, clothing, housing and transportation will be subject to certain restrictions. You can only travel by private car or bus, high-speed rail flights are not good, and high consumption is not good.

Of course, it doesn't count. What awaits you is enforcement. The property under your name may be sold to pay off your debts, and you will have to be thrown into the detention center for a few days.

Of course, the above process may last for a long time, especially when it comes to the legal level, depending on your personal tolerance. I guess a thick-skinned rascal doesn't matter. Why not look at your tolerance?

Lscssh technology officer's point of view: if you think you are not a hooligan, start making money now and make plans to pay back the money slowly! Although the interest rate waits for no one, it is better than other informal online loans. If you work hard, you can still pay back 80 thousand. Don't give up and let yourself fall completely.

Once you have paid off the borrowed money, don't take it again. Work honestly and earn money by working normally. Bad habits such as advanced consumption and online lending still need to be changed.

Although Alipay is not a loan, it is not a loan break. If it is overdue, personal safety will not be threatened, but it does not mean that there is no way to restrain you.

The use of Alipay will be included in the credit management. Now the credit work has been paid more attention to and the system is becoming more and more perfect.

For example, Jiangxi stipulates that the arrears of telecommunications network for three months will not be included in the credit information system, which is equivalent to a stain on personal credit.

With the continuous improvement of the credit information system, personal credit status will be directly linked to work and life. For example, when you are looking for a job, you may check your credit information, which will affect whether you can be hired in the end.

Buying a house by loan, personal financing, taking public transportation, high consumption, etc. are all linked to credit reporting. If you are blacklisted for dishonesty, you will not only be unable to move, but also have a hard life.

Moreover, Alipay is a real name and is bound with an ID card. Personal information is basically available, and you can't hide it if you want.

If you don't pay it back within the time limit, you must first charge interest and late fees, and then you may have to go through legal procedures if you don't pay it back repeatedly. This kind of case is basically a quick decision, and it is only natural that you owe money.

After the judgment, it may not be enforced, and all the property can be used to repay the principal and interest. If there is no property available for execution, it will be directly included in the blacklist of dishonesty and become a lifelong stain.

Alipay can borrow up to 80,000 yuan, and it will definitely not be a person with no strength at all, let alone a person with nothing. It's really not worth it to affect his later life for 80 thousand yuan.

In particular, litigation and credit investigation, once recorded, will be undertaken for a lifetime, and all aspects will be affected. Besides, if a monk can't get out of the temple, someone must take the responsibility for repayment for you.

The consequences of doing so are more serious and not worth it. This is an act that is not worth the loss. Don't do it!

The loan owed 80,000 yuan and the consumption owed 27,000 yuan. Since the beginning of the year is overdue, I should eat, drink, work and not think about those things.

Now 70% to 80% of people walking on the street are in debt. You will respond to others, and you will let the peacemaker come up with a solution. Debt is only a civil matter, and the worst thing about this matter is to detain you for ten and a half months.

1. Don't borrow money to plug the hole, take care of your own affairs, and take this as a warning. After this, you will be stronger than before.

2. credit Mortgage, poor guy can't even pay the down payment and still want a loan? Car loan, if it really doesn't work, you can save tens of thousands and buy a used car directly. Actually, it's very convenient to take a taxi now. Children go to school? Good private schools, as long as you have money, credit information is not a problem at all, people simply want to earn your tuition.

3. face Please, everyone is busy. Who cares about you?

The consequences are very serious. Your family will face all kinds of collection calls. Then it will be blacklisted, which will seriously restrict personal freedom of travel. Directly affect your personal life.

In just a few days, Alipay will kindly remind you through the customer service phone.

If the repayment is not made within a short time (1-3 days).

At the beginning, Alipay will remind you by SMS, customer service phone and other friendly ways. When you don't pay back the money. The balance in your Alipay or the money in Yu 'ebao will be automatically transferred for repayment.

Your friends, relatives and colleagues will know that you don't pay your debts, which will cause an acquaintance credit crisis.

It won't be paid after a long time.

Alipay staff will call for collection. If you refuse to answer the phone, stop the phone or the installation will disappear. Sesame credit score drops to more than 400 points, and Alipay will also contact friends, relatives and colleagues around you (they will read your mobile phone address book from APP big data). They will get some dunning calls. What you don't return will surround you. Think about it, you go to work every day, and everyone in the office knows that you can't pay your debts. When you come home every day, everyone in your family knows that you are in debt and don't pay back. Go out and find a friend to have a drink and talk. He also knows that you owe 80 thousand. It will directly lead to the credit crisis of acquaintances.

If you don't pay. Alipay will upload your loan records to the central bank credit information system. Directly affect your credit history.

Negative credit makes life difficult to continue.

If there is malicious overdue, such as long repayment time and large amount. Go to the blacklist of credit information.

You can't apply for any credit card, mortgage or car loan. Even finding a job will be rejected. Restrict personal freedom of travel, do not leave the country, do not take trains, ships or planes. When a lawyer sends a lawyer's letter to your home or informs you, he will say that he is entrusted by Alipay to start the dunning procedure and repay within a time limit, and will also clarify the serious legal consequences of non-repayment.

Alipay will be cancelled if it is overdue for one year.

So don't owe money.

Personal strength is not comparable to the public relations department of Alibaba's legal department, and it is not so easy to get it.

First of all, it must be clear that it is not possible yet. To tell the truth, there are no consequences, but loans and credit cards can't be done. Just find a job salary, don't go to Alipay.

First, 80,000 yuan should not come to the door.

Second, you can only come to the door in a civilized way. There is no underworld in our socialist country. Does Ali have any objection to this?

Third, you can take it or not, but even the creditors are not qualified to enforce your property.

Fourth, when it comes to legal channels, only the debtor's property will be executed. Eighty thousand won't send you to prison, don't worry. As long as you don't pay back the money, there won't even be a height limit.

Fifth, don't borrow money from relatives and friends to repay online loans, and don't pass on debts. It is estimated that asking you to borrow money from relatives and friends to pay off debts is to urge the dog.

The consequence of Alipay's default is to directly defile its credit data, thus affecting the overall credit lending in the next few years. The most direct impact is that all other loan quota approvals will be rejected, and all formal lending platform institutions connected with the national credit system will no longer lend for themselves.

And even if I pay off the overdue 80 thousand yuan ant loan in the future, my credit information system will be in a gray state in five years. Even if there are no overdue credit loans or other credit stains in five years, my data will be as good as new after five years. Therefore, it can be calculated that the time period must be more than five years, until you are overdue and affect your overall financial lending, and then the final credit is restored.

Therefore, in the case that the credit is not completely overdue at present, try to repay or postpone the repayment of this ant loan you owe. At present, the early warning repayment methods of ants are diversified. Basically, you can choose to postpone the time after interest. Finally, it is suggested to pay back the money with the strength of your own family as much as possible, instead of robbing Peter to pay Paul.

What will happen if AliPay recruits a joint loan?

Consequences of non-repayment of loans:

1. Lending institutions will urge the maturity loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property.

2. Your credit will be affected, and personal loans will also be recorded as overdue loans in the national personal credit information consultation system. If the loan bank doesn't erase your records, you may not be able to get loans from all banks in the future, your credit information will be blacklisted, your travel may be restricted, you may not be allowed to go abroad by plane, and you may not even be able to buy train tickets in the future.

3. If you provide false information or false materials when you borrow money, the lending institution may sue you for the crime of loan fraud. If the fraudulent loan is true, you may be sentenced for a crime.

Summarize! The consequences of not paying back the loan are very serious. Now it is a society that pays attention to credit. People without credit can't move, and loans can't move. The consequences of not repaying the loan directly affect the successful value of your next loan.

Extended data

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.