What should I do if I borrowed 80,000 yuan from Alipay and cannot repay it now? What are the consequences?

I borrowed 80,000 yuan from Alipay and now I can’t repay it. What should I do? What are the consequences?

Alipay has a financial license. In fact, the consequences of not repaying the money borrowed from it are basically the same as not repaying the money borrowed from the bank.

Specifically, there are the following aspects:

1. Repeated collection. Including collection from the person and the emergency contact person. Collection calls and text messages.

2. You are welcome to pay penalty rates. The overdue interest rate for Alipay loans is 7.50%, which means that the annual interest on 10,000 yuan is 2,737.5 yuan, which is equivalent to an annual interest rate of 27.37%. This interest is equivalent to about four times that of a bank loan. If it is not repaid, it will continue to be calculated.

3. The credit report is black. Alipay has a financial license. If you fail to repay a loan overdue, it will be included in your credit report without mercy. If you want to deal with financial institutions (not limited to Alipay, all banks are interconnected) in the future, you will be blocked. For example, loans and car loans are basically rejected immediately, so you don’t even have to think about it.

4. Being sued. The consequence is that you will definitely lose the lawsuit and you will have to bear the principal, interest, legal fees, Alipay’s attorney fees, etc. (this is stipulated in the contract).

5. Be enforced. The consequence of being enforced is that the property in your name will be investigated and seized, and you may be detained and fined, blacklisted for dishonesty, restricted high consumption, etc. Laolai will also enjoy many packages.

6. The worst consequence is to be held criminally responsible. Generally speaking, there is no criminal danger for overdue borrowing. However, if the debtor enters the enforcement procedure and refuses to perform the repayment obligations determined by the court judgment, and the circumstances are serious, there will be Being held criminally responsible for the crime of resisting execution.

Since Alipay has this business, it will have enough methods to deal with those who fail to pay overdue payments. Therefore, it is best to find ways to pay it off in time, otherwise, in a word, the consequences will be serious.

Being unable to repay means that it is overdue. I will tell you the consequences with a real case of Alipay overdue payment.

My cousin owes Alipay a loan of 130,000 yuan, and he is unable to repay it and it is overdue. His handling process and the consequences he faced:

1. Proactive contact: On the day of overdue, he took the initiative to contact Alipay customer service Call and explain the situation, but it won't be available for the time being. The customer service definitely disagreed and hung up the phone before the negotiation was settled. After that, I didn’t receive a call from Alipay for a month and received overdue information reminders every day.

2. Call from customer service: One month later, on the second repayment day, I called to inquire about the overdue situation. I contacted two common contacts in the address book to learn about the specific situation.

3. Sesame points decrease: once a month, more than 50 points each time. It affects the use of other functions and Huabei is closed.

4. The overdue record is reflected in the credit report: Alipay is a formal platform and has been connected to the credit report. On the third day after the overdue date, he checked the credit report and found that it was reflected in the credit report.

As long as it is overdue for a long time, it will not be included in the "blacklist" or restricted from "high consumption". Only those who are deemed dishonest and have high consumption after being sued can be blacklisted. If you negotiate with Alipay and the court before the trial, there is a chance that they will not be included.

Currently it is just a credit "blacklist", which affects your ability to apply for credit cards and other loans. If you are able to repay the money, the overdue record will be eliminated after five years from the date of settlement.

5. Penalty interest faced: Overdue amounts will be charged an overdue fee of 1.5 times the normal interest. His daily interest rate is 40,000 yuan, and after it is overdue, it is 60,000 yuan, which means an interest of 16,000 yuan a day, 130,000 yuan is an interest of 78 yuan, and the monthly interest is 2,340 yuan.

6. The collection personnel came to verify the situation: After 4 months of overdue payment, the Alipay collection personnel came to the door, and two people came. When I got home, I was very polite and followed the formal procedures.

First of all, introduce yourself as an Alipay staff member and show your work ID to verify your true identity.

Then, we will start a conversation to understand the situation. We will not ask why you borrowed it, but we will mainly understand why it is overdue.

Finally, comprehensively verify the current work situation, financial expenses, and discuss how to solve this problem. We didn't reach an agreement at that time because my cousin really didn't have any money and didn't know what the project would be like. Everything was unknown. So I didn't dare to tell anyone who came to visit me.

After finishing, the collection agent said goodbye politely and left.

In the past year and three months, Alipay called me once to negotiate a new repayment plan. After understanding the plan, my cousin was not sure whether he could pay it back, so he refused to agree for the time being. Until now, I haven't been sued yet, and I am receiving overdue text messages normally.

In fact, don’t be too afraid of collection, he won’t dare to hurt you. Think about it another way, collection agents are also afraid of you.

I have seen many examples of people who threatened to come to collect debts, but the debtors said, "You can come to your home and try it." The debt collectors did not dare to come. What if the debtor you face when you come to your door is a desperado?

It is natural to pay back debts, but it is not a debt. It is now clearly stipulated that the legitimate rights and interests of debtors are protected and cannot be violently collected or insulted.

If the other party engages in these behaviors, you can take photos and videos to keep evidence. When it comes time to be prosecuted, you should have more confidence if you have evidence in hand.

7. Regarding being sued: Everyone talks about being sued, but in fact, the worry is unnecessary. There are very few cases sued by Alipay.

Threatening to send you a lawyer’s letter or a court summons may be a collection method. The court summons contains the judge's phone number, which you will know as soon as you verify it, or you can verify it on site.

Even if it comes to prosecution, don’t be afraid, just respond proactively. Indicate your actual situation and repayment ability.

Generally, the judge will ask you to negotiate with Alipay again. If the negotiation fails, the court will prepare for the worst and impose enforcement. Comprehensively verify your assets and properties and seize them for debt repayment.

If you really have no assets and are temporarily unable to repay the money, then you may be included in the "blacklist" and restricted from "high consumption". You will always be stained and unable to move forward.

Therefore, the best result is to be able to collect the money to pay back the loan and not to overdue it. Evaluate your own abilities and ideal consumption is the best choice.

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

1. Within a few days of overdue payment, Alipay will contact customer service Kind reminders for incoming calls

Initially, Alipay will remind you through kind methods such as text messages and customer service calls. But you still haven't taken the initiative to repay, and there are deposits in your Yu'e Bao or the bank card bound to Alipay, then the balance in your bank card or the money in Yu'e Bao will be automatically transferred to repay your outstanding bills.

2. If you still fail to repay after friendly calls and text messages, your relatives will be targeted for collection

If you have been overdue for too long and still have not repaid the loan, then Alipay The collection customer service will treat your parents, brothers, or even your other relatives as collection targets. They will harass you with various text messages and phone calls every day until your relatives repay your loan.

3. Interest starts to calculate

When you are overdue for more than a certain period of time, interest will start to calculate. As your overdue time increases, the interest will also increase exponentially. So if you don't repay the loan for a long time, the amount you need to pay back in the end will be several times the amount you borrowed.

3. Credit score decreases

Alipay Zhima credit score will be directly reduced, and Jiebei will upload your credit situation to the credit reporting system. Because Jiebei is a loan product, it will be reported to the personal credit system in a timely manner according to relevant regulations; you will not be eligible to use any type of consumer products linked to credit, which will seriously affect future travel and other loans.

4. If you fail to repay the loan after the due date, you will be included in the credit blacklist

The consequence of being included in the credit blacklist is that you will not be able to apply for any credit card, mortgage, Car loan. Even looking for a job will be rejected. Individuals’ freedom of travel is restricted, and they cannot leave the country, take trains, ships, or planes.

Basically, personal travel consumption is no longer possible, which will make you feel like you are unable to move forward and abandoned by the world.

5. Go directly to the legal process

The lawyer will send a letter to your home or notify you. He will say that you should be entrusted by Alipay, start the collection process, and repay within a limited time limit. Clarify the serious legal consequences of non-repayment

Some people may have this idea: "I owe you a loan, but I am no longer alive." What will happen?

In fact, since Alipay gives you the right to borrow money, it also gives you the obligation to repay the loan. When you are no longer alive and you still owe money, Alipay will first debit your various bank cards or Yu'E Bao. If it is not enough to repay the loan, then your family and your children will inherit your loan bill and become the object of repayment; if you have no relatives, then your legacy property will be mortgaged for repayment;

If you have nothing after death, then Alipay can only be dumb and eat Coptis chinensis.

Repaying debts is a matter of course. Borrowing is risky. If you do not have the corresponding repayment ability, you should think twice about borrowing.

Jiebei is an online loan product launched by Ant Financial. The limit is between 1,000 and 300,000. The system automatically grants the limit based on the user’s qualifications. Under normal circumstances, the limit is between 2,000 and 100,000. There are more rooms. Because Jiebei is fast and convenient to use and does not require application, Jiebei has become one of the main channels for many people to borrow money. The current number of Jiebei users is conservatively estimated to be at least 50 million.

However, among the many borrowers, not all of them are able to repay their loans on time. Currently, the overall non-performing rate of borrowers is about 0.96%, with the highest non-performing rates in periods 1 and 12. The defective rate in the first phase is around 3.58%, and the defective rate in the 12th phase is around 4.36%.

The reason why many people are overdue is not that they don’t want to pay back, but that they really don’t have the money to pay back. What will happen if the loan expires and cannot be repaid? What serious consequences will there be?

Many people may think that if a loan is overdue, the consequences will be serious, and they will face terrible debt collection. In fact, it is not that scary. There is a big difference between Jiebei and other online loans. Jiebei is a formal loan Online lending institutions are strictly supervised by regulatory authorities, so there will be no violent collections. When everyone is overdue, they will face the following situations:

1. Penalty interest

Alipay will start charging overdue penalty interest after the loan is overdue beyond a certain grace period. The penalty interest is The current borrowing interest rate is 1.5%. For example, if you borrow 50,000 yuan, the daily interest rate is 0.04%. After the overdue period, the penalty interest will become a daily interest rate of 0.06%. The corresponding interest per day is 30 yuan, which is higher than the normal interest rate. Pay 10 yuan.

2. Collection

There is no doubt that any loan that is not repaid will face collection, including borrowing. Once everyone’s borrowing becomes overdue, Alipay will Different collection methods will be used at different stages.

Generally, Alipay mainly uses text message reminders within one month of overdue payment, and cooperates with corresponding phone collections; Alipay generally entrusts third-party collection agencies to collect collections if it is overdue for 2-3 months. These collection agencies generally They will mainly focus on phone collections and create pressure on everyone by sending lawyer letters and other methods, hoping that everyone will take the initiative to repay; if the overdue amount is more than 3 months and the overdue amount is relatively large, then these collection companies may take further measures. , such as contacting the borrower's address book, and there may even be personnel coming to collect debts, etc. The frequency of collections at this stage will increase significantly; if the amount is overdue for more than 6 months and the amount is relatively small, Alipay may treat it as a bad debt. If the amount is If the situation is relatively large, it may be possible to sue everyone to the court.

3. Personal credit reporting is affected

Currently, Jiebei is listed in the central bank’s credit reporting system, and the information displayed is Chongqing Alibaba Small Loan Co., Ltd. Once everyone is overdue and exceeds the grace period, After the deadline, Ant Financial will report everyone's bad credit report to the central bank's personal credit report system, which will have an impact on everyone's credit report. If you are overdue more times, or are overdue for more than 3 consecutive months records, it will have an impact on everyone's application for mortgage loans, car loans and credit cards.

In addition, borrowing money will also be recorded by Zhima Credit. If you are overdue, it will definitely affect the score of Zhima Credit, which will in turn affect the integration of related functions on Alipay. permissions.

4. Jiebei and Huabei have been reduced or even closed

Alipay gives you a limit based on your good credit. If you use Jiebei and it is overdue, generally Borrowing and Huabei will be derated, and if the overdue amount is serious, the Borrowing and Huabei functions will be closed directly.

In short, the consequences of overdue borrowing are quite serious, so everyone must repay on time after using borrowing.

The consequences are neither serious nor light.

It’s not serious because the dispute between you and Jiebei is an economic dispute and will not escalate into a criminal case. This is better than owing money to a bank’s credit card, which is a credit card fraud case and no money has been paid. It's a criminal case and you have to go to jail. Therefore, compared with owing money on a credit card, the consequences of borrowing 80,000 yuan in debt are not serious.

It’s not a big deal because if you still can’t replace the money you borrowed, I’m afraid the rest of your life will not be easy. Of course, it ultimately depends on your personal ability to bear it. If you are thick-skinned, you won’t care. If you are a lazy person, it will have limited impact on you. If you are thin-skinned and still want to be a good person, the consequences will actually be quite serious.

Okay, let’s talk about the consequences of not paying back the debt.

1. Regular reminders: If you do not repay overdue payments, Borrowing will definitely follow the prescribed procedures to make reminders to you. Usually, they will be polite first, notifying you by text message first, and then calling you to make reminders. When calling for payment, there are also levels. In the early stage, only your personal phone number may be called. If it is not effective, the number will gradually expand. This is also commonly known as the explosion of the address book. At this stage, your relatives should receive the news that you have not paid back the debt. .

In addition, the debt collection may have started with someone borrowing money from you. If it doesn’t work, the professional matter may be left to professional people, and a professional collection company can handle the operation.

2. Punishment methods: In addition to regular reminders, Jiebei will also use other methods. The first is overdue interest, and your debt will become more and more. Secondly, you may no longer be able to use the products of the Alibaba system, and the corresponding accounts will gradually be frozen. Daily life may no longer be convenient, and you may not be able to buy or buy within the Alibaba system.

Next, your credit report will be black. Now both Jiebei and Huabei have been listed in the credit report system. There will be a clear record of bad credit, even if the debt is paid off within 5 years. Delete this record. This means that you can’t borrow money from the banking system at all, and don’t even think about getting a bank credit card. Even other financial institutions will not give you related loans. As long as it is related to borrowing money, you will be restricted.

3. Go through the legal process: After going through the above process and you have not paid off the debt, what is waiting for you is the ultimate solution, which is to go through the legal process. In this case, you will definitely lose the lawsuit. After all, it is natural to pay back the debt.

At this point, you should think carefully about whether you want to continue to resist. The result of not paying back the money at this stage is that you will be on the list of old people across the country. At that time, your food, clothing, housing and transportation will be subject to certain restrictions. You can only use a private car or bus to travel far away. High-speed rail flights are not allowed, and high consumption is also out of the question.

Of course, this does not count. What is waiting for you later is enforcement. The property in your name may be sold to pay off the debt, and you will also have to be thrown into a detention center for a few days.

Of course, the above process may last for a long time, especially when it reaches the legal level. It depends on your personal tolerance. It probably doesn't matter if you are a thick-skinned scoundrel.

You might as well see how you can bear it?

Lscssh Technology Official View: If you feel that you are not a scoundrel, start working hard to make money now and make a plan to pay back the money slowly! Although the interest rate of borrowing money is not waiting, it is still better than other informal online loans. If you work hard, you can still pay back the 80,000 yuan. Don't give up on yourself and let yourself be completely ruined.

Once you repay the money you borrowed, don’t take it anymore. Just keep a normal job and work hard to make money. Bad habits such as excessive consumption and online loans still need to be changed.

Although borrowing money from Alipay is not a loan shark, nor is it a dead loan. If you fail to pay back the loan after the due date, your personal safety will not be threatened, but it does not It means there is no way to restrict you.

Borrowing money using Alipay will be included in credit reporting management. Nowadays, credit reporting work is receiving increasing attention and the system is becoming more and more perfect.

For example, Jiangxi stipulates that those who fail to pay telecom network arrears for three months will be included in the credit reporting system, which is equivalent to a stain on personal credit.

With the continuous improvement of the credit reporting system, personal credit status will be directly linked to work and life. For example, when you are looking for a job, your credit reporting may be checked, which affects whether you can be finally hired.

In life, loans to buy a house, personal financing, taking public transport, high consumption, etc. are all linked to credit reporting. If you are included in the blacklist of dishonesty, not only will it be difficult to move forward, but your life will also be difficult.

Moreover, Alipay uses real names and is bound to an ID card. Personal information can basically be obtained, and it is impossible to hide it if you want.

If you fail to pay overdue payments, you will definitely be charged interest and late fees first, and then you will most likely have to go through legal proceedings if you repeatedly fail to pay. This kind of case will basically be decided very quickly, and it is natural to pay back the money you owe.

The court's decision cannot be enforced, and all property can be used to repay the principal and interest. If there is no property to enforce, it will be directly included in the blacklist of breach of trust and become a lifelong stain.

If you can borrow 80,000 yuan from Alipay, you will definitely not be a person with no strength at all, let alone a person with nothing. It is really not okay to let your future life be affected for 80,000 yuan. worth.

Especially lawsuits and credit investigations, once recorded, you will be burdened for life, and all aspects will be affected. Besides, if you can run away, a monk can't run away from the temple. Someone will always have to bear the responsibility for repayment for you.

The consequences of doing this are serious, and it is not worth it. It is an act that outweighs the gains and losses. It is recommended not to do it!

I owe 80,000 yuan for borrowing money and 27,000 yuan for spending money. They are overdue at the beginning of the year and are now eating and drinking when they should, and working when they should. Don’t think about what you have and don’t have.

Seventy to eighty percent of the people walking on the street today are in debt. If someone sues you, go and respond, and the court will act as a peacemaker and come up with a solution. Debt is just a civil dispute. The most vicious thing about this thing is to detain you for ten days and a half.

1. Don’t borrow money to plug holes, handle your own affairs by yourself, take this incident as a lesson, and you will be stronger than before after this incident is over.

2. Credit investigation? Mortgage, a poor guy who can’t even afford the down payment still wants to get a loan? If you really can't get a car loan, just save tens of thousands and buy a second-hand car directly. In fact, it's very convenient to take a taxi now. Problems with children going to school? For good private schools, as long as you have money, credit is not a problem at all, they just want to earn your tuition fees.

3. Face? Come on, everyone is busy, who cares about you.

The consequences are serious. Your family will face a variety of collection calls. Then you will be put on a credit blacklist, which will seriously restrict your personal freedom of travel. Directly affects your personal life. In the short term, Alipay will call customer service to give a friendly reminder

If the payment is not repaid in the short term (1-3 days).

At the beginning, Alipay will remind you through kind-hearted methods such as text messages and customer service calls. When you don't pay back. The balance in your Alipay or Yu'E Bao will be automatically transferred for repayment.

Your relatives, friends, and colleagues will know that you have not repaid the debt, causing a credit crisis for acquaintances

If it goes on for a little longer, you will not repay the debt.

Alipay staff will make phone collections if you refuse to answer the phone, stop paying, or pretend to have disappeared.

The Sesame Credit score will drop to more than 400 points, and Alipay will also contact your relatives, friends and colleagues (their APP big data will read your mobile phone address book from the beginning). They will get some collection calls. If you don't pay back your debt, it will spread to everyone around you. Think about it, you go to work every day, and your office colleagues know that you owe money and you still don’t pay it back. When you come home every day, your family will know that you owe money and have not paid it back. You go out to have a drink with a friend and want to talk about your grievances. He also knows that you owe 80,000 yuan and you won't pay it back. It will directly cause acquaintance credit crisis.

If you still don’t pay back. Alipay will upload your loan records to the central bank’s credit reporting system. Directly affects your credit record. Negative credit makes it difficult to continue life.

If there is malicious overdue payment, such as long repayment time and large amount. Get on the credit blacklist.

Unable to apply for any credit card, mortgage, or car loan. Even looking for a job will be rejected. Individuals’ freedom of travel is restricted, and they cannot leave the country, take trains, ships, or planes. The lawyer will send a letter to your home or notify you. He will say that Alipay should be entrusted, start the collection process, repay within a limited period, and clarify the serious legal consequences of non-repayment.

Alipay account will be canceled if it is overdue for one year.

So, don’t owe money and not pay it back.

Individual power cannot defeat the Alibaba Legal Department and Public Relations Department, and it is not that easy to handle.

First of all, it must be clear that no is still impossible. To be honest, there are no other consequences, it's just that you can't get loans, credit cards, etc. Just don’t use Alipay to find a job and pay.

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

Second, you can only ask for it in a civilized way. There is no underworld in our socialist country. Ali does not agree with this. Well?

Third, it can come and ask for it, and you don’t have to give it. Except for the court, even the creditor is not qualified to enforce your property.

Fourth, when it comes to legal means, the court will only enforce the property of the debtor. Eighty thousand yuan won't put you in jail, don't worry. As long as you don't have money and don't pay it back, there won't even be a height limit order.

Fifth, never borrow money from relatives and friends to repay online loans, and do not pass on debts. Anyone who asks you to borrow money from relatives and friends to repay debts is probably a collection dog.

The consequence of Alipay’s default is to directly taint its own credit data, thus affecting the overall credit lending in the next few years. The most direct impact is that all other loan amount approvals will be refuted, and all formal lending platform institutions connected to the national credit system will no longer lend money to themselves.

And even after the overdue Ant loan of 80,000 yuan is fully repaid in the future, my credit system will be in a gray state within 5 years. If there are any overdue credit loans or other credit stains, your data will not be restored until 5 years later. So you can calculate that the time period from when you become overdue and affect your overall financial loans to when your credit is finally restored must be more than 5 years.

Therefore, while the credit overdue has not completely occurred, try your best to repay or postpone the repayment of the Ant loan you owe. The current Ant Alert repayment methods are relatively diversified. Basically, you can choose to pay interest first and then keep the principal. Finally, it is recommended to use the strength of your family as much as possible to repay the money, rather than tearing down the wall to make up for it. Western Wall.