My racket loan of 3200 is three months overdue, and I paid it back for one month a few days ago. What should I do now if I want to send messages to my family and friends?

From the description, you may have met a liar. Repayment should be made through official channels and should not be made to individuals through WeChat. Call the police directly if negotiation fails.

Lenders need to guard against defrauding lenders. The tricks of scammers are very simple and can be summarized as follows:

(1) The loan requirement is extremely low, and there is no need for mortgage or other requirements. It can be said that you can get a loan if you want.

(2) The lender is afraid to disclose the name of his company, can't provide the company's business license or the company has no investment scope, can't provide formal contract texts and invoices, and even won't give you a landline. You only know the other person's cell phone, but you can't even see the other person's face.

(3) Before the loan arrives, you should collect the so-called tolls, interest, handling fees, attorney fees, etc. Anyway, you just want money, and you won't care anymore after you get it.

Extended data:

Avoid (risks)

Private lending is an informal credit model in China's credit system. Due to the lack of certain supervision, there are certain risks in this way. How to scientifically and effectively reduce this loan risk? We can do our homework from the following aspects:

1, it is necessary to strictly review the market access mechanism and review the qualifications of some private lending institutions. Private banks with certain funds that can operate according to law can be exclusively used by private financial institutions within a certain period of time; On the other hand, those who seek usury must be severely cracked down and banned to maintain a good financial order.

2. The interest rate of private lending should be managed more transparently. To standardize this kind of private lending, we should fully consider the lending demand and incorporate it into our effective management methods, which can fluctuate according to the requirements of the lender's qualification level, and use some market competition to promote the development of lending norms.

3. Introducing loans into the real economy, people have a lot of capital, so where do they need to go? But we also need to enter the cycle of the real industry, so as to promote the sustainable development of the real economy. Instead of just wandering around as some free capital, it is better to use it legally and normatively.

4. It is necessary to strengthen the flow of private lending funds and implement effective management. It is necessary to set up some special supervision institutions to supervise their lending behavior, monitor and manage funds, establish perfect, sound and scientific import statistical monitoring indicators, and conduct necessary supervision and guidance on the flow and investment of some private lending funds to prevent some private mortgages from being everywhere.

5. Many intermediaries or "employers" of private equity funds are fake. Fake intermediaries usually make clients spend a lot of designated items to cheat, including the cost of issuing evaluation reports and due diligence attorney fees. If the above documents and legal acts are needed, the entrusting party must issue them by itself.

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