202 1 what is the current situation of Heng Chang loan company?

1.202 1 what is the current situation of Heng Chang loan company?

202 1 Heng Chang loan company has been investigated at present, because it is an illegal company, involving various issues such as routine loans, violence and collection. When the company claims that there is no guarantee or unsecured interest during its operation, it should issue the first loan quickly. Taking advantage of the victim's urgent need for money, let the borrower provide personal information and extract the customer's address book. When signing the contract, the borrower will be threatened by telephone and threatened to collect the relevant service fees after they are overdue. First, how to choose a legal loan company must first determine whether the loan company or platform applied for is formal. Formal lending institutions will obtain financial licenses. If some companies don't have this license, they need to consider it. It also depends on the scale and address of the company's development, whether the company has industrial and commercial records, and the business ability level of the whole company. In the reception process, whether the company's products are reasonable, whether its needs are correct and qualified, and like formal loan financing and the company will not charge any fees in the early stage, because all fees do not need to be paid before payment. Second, what loans must not be touched? At present, these loans are very low, generally ranging from 65,438+0,000 yuan to 5,000 yuan, with interest calculated on a daily basis. This kind of loan can basically be obtained as long as you apply, but the risk after this kind of loan will be greater and a lot of fees will be charged. Once overdue, it may lead to low rolling interest, so the debt will increase. Campus loans are also very popular in the past two years, mainly for college students, and will charge high fees and interest. Third, the last thing you need to know is that the annual interest rate stipulated by the state cannot exceed 36%. As long as it exceeds 36%, you must not bring some illegal routine loans and campus loans, and you should choose carefully when lending. Once you are cheated, you may fall into a trap, which is a very troublesome thing in the future.

2. How many branches does Heng Chang Company have in China now?

Heng Chang loan, underworld nature.

I have personally experienced that all the principal and interest of 24 loans have been paid off, and the interest has been rolling, and I have been harassed, slandered and threatened by telephone calls from Heng Chang all over the country.

, beheaded, saying it was a financial service fee.

3. Is Chang Heng 202 1 a credit inquiry?

If there are bad records, if there are overdue records, they will be reported to the credit reporting agency.

4. Is there a loan company in Heng Chang? How to deal with it?

If you owe money for a long time, you won't repay the company. According to different overdue degrees, small loan company law: for borrowers who are slightly overdue, small loan companies will remind them to repay by SMS or phone. For borrowers who ignore SMS and telephone collection methods, small loan companies will include the loan in debt collection procedures. After entering the debt collection procedure, the borrower's friends and family will receive hundreds of collection calls every day. The intention of the collector is to increase the pressure on the borrower and force the borrower to repay.

For those who insist on not paying back the money, the collectors will take the method of collecting debts at home and take various methods to harass the relatives of borrowers in disguise. If the borrower fails to pay the loan for more than three months, the lending institution can default on the payment according to the provisions of the loan contract, which constitutes a crime of refusing to execute the judgment, and if the circumstances are serious, it will be imprisoned.

1. Is there a bank position?

Not under normal circumstances

The premise is that the bank's collection staff can contact the borrower at once. If you don't pay back the money or answer the phone for a long time,

Consequences of not repaying bank credit loans

1, penalty interest and liquidated damages.

If the loan is not repaid, the first thing you encounter is a high penalty interest. On the basis of penalty interest, some financial institutions need to pay by themselves, but this is an expensive fee.

2. Credit damage.

Borrowing personal credit reports will leave a stain, and it will be more difficult to apply for loans in the future. Even enterprises are not included in the credit report, and there is a shared blacklist system in the circle. If one company doesn't come back, other companies will come back.

3. Collect in various ways.

Banks and small loan companies have their own collection systems. Students will send text messages to themselves and call for dunning, which is serious for one or four hours.

4. If it is seized, the assets may be seized.

Financial institutions will also arm themselves with laws. If you don't pay the arrears, if the amount is large, you will be sentenced to complete execution. Even if you don't want to, you must carry out the repayment order. Otherwise, you will seize the property under your name according to law and repay the arrears with the proceeds from the auction.

5. The plot is rigorous

Generally speaking, borrowing money will not rise to the criminal level. However, if the borrower refuses to implement it, he is determined to become a deadbeat, preferring to run away rather than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, if it is too serious, he will go to jail.

Second, what about credit loans?

The consequences of not repaying credit loans are:

1, penalty interest and liquidated damages. If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay a fine on the basis of penalty interest. These expenses add up to a lot of money.

2. Credit damage. If you borrow money from the bank and fail to repay it within the time limit, your personal credit report will be tarnished, and it will be more difficult to apply for credit cards and loans in the future. Even if the company is not included in the credit report, there is a shared blacklist system in the circle. If a company does not pay back the money, it is difficult to approve other loans.

3. Collect in various ways. Banks and small loan companies have their own collection systems. Beginners will send you text messages and ask for payment. In some serious cases, there will even be a collection staff putting pressure on you 24 hours a day, which will seriously disrupt your work and life.

4. If it is seized, the assets may be seized. Financial institutions will also arm themselves with laws. If you don't pay the arrears, if the amount is large, you will be paid. Once the court makes a verdict, even if you are reluctant, you must execute the repayment ruling, otherwise, the property under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.

If the circumstances are serious, you will go to jail. Generally speaking, events like borrowing money and not paying it back are civil events and will not rise to the criminal level. However, if the borrower refuses to implement it, he is determined to become a deadbeat, preferring to run away rather than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, if it is too serious, he will go to jail.

The relevant legal basis of this article.

Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be punished in accordance with the provisions of the preceding paragraph.