Dishui loan is forty days overdue. I paid it back, but the other party still wants to pay off the debt. There is still 28,000 yuan left. Now I really can’t get the money. What should I do?

Because the interest rate is relatively high, I hope to pay it back as soon as possible. If I really have no money, I will go to someone around me to borrow it first.

The consequences of non-repayment of irregular online loans:

1. Hazards of overdue payments

If there are too many online loan applications, the repayment date of each online loan will be It will be difficult to remember and inconvenient for borrowers to manage. If the borrower accidentally forgets to repay the loan on time, the borrower will be subject to high penalty interest and liquidated damages. And the borrower's credit record will also be affected.

2. Big Data

As long as the borrower has borrowed online loans, the third-party data on the Internet will be recorded, and this data is not necessarily the central bank's credit report. Now basically all the information that can be queried on the Internet can be queried through big data. Borrowers who borrow money online can easily be queried. For example, check the credit APP to easily query the user's online loan related information. Now formal loan platforms will query the big data of borrowers borrowing money from other platforms. If you apply for too many online loans, it will affect the borrower's online loans in the future. If you have a credit report on an online loan platform, you will have a credit report regardless of whether you have successfully borrowed money or not.

3. Violent collection

Regular online loan platforms follow procedures for collection, and generally formal platforms will not engage in violent collection. Correspondingly, some informal online loan platforms will basically use violence to collect borrowers' overdue debts, which will be accompanied by exposure to address books, various harassments, and intimidation. This kind of collection method is not something that ordinary people can withstand.

4. Personal information leakage

Some informal online loan platforms resell borrowers’ information at will to make a profit. There are even some platforms that pretend to be loan platforms, but in fact It is to deceive the borrower's information and then sell it to some criminals. Some illegal platforms may also read the borrower's location, address book, camera, etc. to do some illegal things. Many private online loan products are informal. In order to avoid possible troubles in the future, everyone should carefully check the relevant introduction of online loans in the early stages of applying for online loans. It is best to choose formal and legal online loan products.

1. If you are using Didi Shui Loan and you have indeed borrowed money, you must find out whether you are overdue.

1. We all know that modern financial credit has its own system for statistical management of lending business. If there is a problem with the Dishui Loan system and causes you to be overdue, you can eliminate your bad credit record through legal channels. . For example, if the Didi Shui Loan APP cannot allow you to repay your debt, you should complain to the Didi Shui Loan company.

2. If the debt is overdue due to misremembering or lack of solvency, this is truly overdue.

2. When facing the overdue situation of Didi Shui Loan, generally speaking, there is a transition period, which may be due to special circumstances. You can report it to Didi Shui Loan in a timely manner and strive to prevent Didi Shui Loan from being overdue and collecting taxes. Letter record.

Because Dishui Loan is overdue, the credit record is not as fast as that of banks, and it must be reviewed at all levels. This is the problem of time difference. You must try your best to prevent the Dishui Loan company from submitting your overdue repayment for the time being. Loan credit history.

Of course, if Dishui Loan is overdue, it will have its own evaluation. At this time, you need to get leniency from the Dishui Loan company and try not to let it connect to the credit reporting system.

3. If the Didi Shui loan is truly overdue and temporarily insolvent, the only option is to wait until you are able to repay the debt before paying off the debt. But this process requires paying a double price:

1. The interest rate of Dishui Loan is not low and will continue to accumulate. It may be an astronomical figure. You need to negotiate with Dishui Loan to try to pay less interest. or fine.

2. If the Dishui loan is overdue, it will definitely be reported to the credit reporting system, which will affect your future loan business. This can only be done after you switch to Didi Shui Loan and wait for 5 years to eliminate the bad credit record.