What will happen if Chang Heng can't get a loan?

What are the consequences of Heng Chang loan?

The consequences are as follows:

1, after loans overdue, the staff will collect the arrears by telephone, SMS, etc.

2. After the borrower is overdue, this overdue record will be uploaded to the personal credit record, which will affect personal credit, and it will be more difficult to handle various credit businesses afterwards.

3. If the overdue situation is serious, if it is not returned for more than three months, it may be sued by the platform, and assets such as real estate, cars and deposits will be seized to pay off the arrears.

What would happen if Heng Chang didn't get the loan?

(a) collected by the staff. In order to recover the lent funds, financial institutions will send staff to collect money from borrowers. These staff often keep calling the borrower's phone and sending short messages to the borrower's mobile phone, urging the borrower to repay as soon as possible. Individual collection personnel will also send collection messages and make collection calls to relatives and friends of borrowers.

(two) affect their own credit. If the borrower fails to repay after the expiration of the grace period for repayment, the financial institution will report the overdue record to the central bank's credit information system. The borrower's personal credit report will leave a stain, which will affect the borrower's handling of various financial businesses in the future.

(3) may be prosecuted. If the borrower's overdue behavior is very bad, the financial institution can bring a lawsuit to the court. If the borrower loses the case, the financial institution may apply to the court for enforcement. The court will inquire about the property under the borrower's name according to law to pay off the debts, including real estate, cars, deposits, securities and so on.

If there is no executable property in the borrower's name and the borrower refuses to perform the effective judgment of the court, the borrower at this time is often called "Lao Lai". The borrower will be included in the list of people who have lost their trust and will be restricted from high consumption and entry and exit.

(4) may be found guilty. If the borrower has the ability to execute the judgment of the court and refuses to execute it, it can be considered that the borrower refuses to execute the judgment or ruling. If the borrower maliciously overdraws the credit card, it may be considered as credit card fraud.

What will happen if there is no loan in Heng Chang?

If Heng Chang's loan is not repaid, it will be collected, resulting in a lot of penalty interest. Heng Chang loan is not connected to the personal credit information system of the People's Bank of China, and the personal credit information system after loans overdue will not show overdue records. In order to prevent the borrower's daily life from being affected, it is necessary to repay the loan as soon as possible.

Heng Chang loan collection methods include but are not limited to non-collection, SMS collection, robot collection, telephone collection, letter collection, social media collection and overseas visit collection. Among them, SMS collection and telephone collection are the most commonly used collection methods for loans in Heng Chang.

Some borrowers will repay themselves within a certain period of time because they forget to repay for a while. For such borrowers, Heng Chang loans will not be charged. Short message collection is generally used for borrowers with less overdue days and less debts. Telephone collection is more flexible than other collection methods and suitable for borrowers with different overdue aging.

Letter collection is similar to SMS collection. When the borrower fails to fulfill the repayment obligations on time, accumulated to a certain period or other circumstances occur, Hengyi Loan will send a written document such as a reminder letter to the borrower. Social media collection is to contact borrowers through WeChat and QQ.

Under normal circumstances, for borrowers who are overdue for more than 30 days and owe a large amount of money, Heng Chang Loan may send a collection team for collection. However, overseas inspection is expensive and generally uncommon.

Pay the loan on the 8 th and call home at 4 pm that day. Me, too. I'm bombarded with phone messages We had a few fights. Call me today to scold me. My principal is enough. I was going to discuss it. I never said I wouldn't pay it back, and now I really can't. I broke the address book that day. I really don't want to return it now. I'm just asking what would happen if I didn't.