What if the usury hasn't been paid back? There will be these overdue consequences!

With the continuous development of internet loans, usury in the past gradually evolved into online loans, and many people accidentally borrowed usury. What is usury? If the annual interest rate exceeds 36%, it belongs to usury, and the interest rate is often so high that borrowers will face serious consequences if they don't pay it back.

First, burst the address book.

The most common way of usury is to explode the address book, because it is simple, low-cost and low-risk. At present, China is weak in telecom monitoring, and it is difficult to find the source even if it calls the police.

So loan sharks will harass and bomb you and your family in this way, forcing you to repay as soon as possible, otherwise the address book will explode.

Second, collect money at home.

If it is a relatively small-scale online loan, the door-to-door collection in the collection mouth is mostly fake, and it is likely to be a cover to trick and fool you into repaying.

However, if you borrow usury from a local loan company, it is very likely that the door-to-door collection will worsen. Everyone can secretly collect evidence, record the conversations and conflicts between the two sides with mobile phones or tape recorders, and take pictures of the messy scene if the home is disturbed; Injured, shoot the injured part and keep the doctor's diagnosis.

Third, the court sued.

This is unlikely. You don't need to worry too much. Most usury is illegal. Even if you bring a lawsuit to the court, it will be good for you, because you don't have to pay back the money that exceeds the annual interest rate of more than 36%, and the other party may be seized.

In a word, don't borrow usury, or you will get into trouble. If you can't afford it, you can negotiate repayment with the usury platform. If not, collect evidence and report complaints. If the circumstances are serious, you can call the police.