What should I do if my online loan is exploded? What to do?

Online loans are the most tricky.

Now, your online loan has been exploded, which is quite light, and you can ignore it. Many online lenders are blocked at their doorsteps by those who ask for their accounts. Moreover, if the other party sues, it will be even worse if you are blacklisted, your personal reputation will be seriously affected, and no one will be able to trust you in the future.

Therefore, it is best to raise money to return it as soon as possible, otherwise, the amount of online loans will snowball. So that you can't turn over.

1. Negotiate with the collection. Negotiation is skillful, first of all, you must repeatedly show your willingness to repay, so that the other party can rest assured that you are not the kind of person who goes to the "old man". But it is indeed unable to repay at present.

After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company is sure that you are willing to repay, it will give you time to make accommodation.

2. When repaying, you must repay one by one, and then pay the next one after repaying. If you choose to repay a little bit on each platform, especially for those who have borrowed from multiple platforms, I am afraid that they will not even be able to pay off the interest, so they will never be able to pay off the debt.

3. Do a good job in preventing the explosion of the address book. Exploding the address book is indeed a very ruthless move, and there is no particularly good way to do it at present. However, if you are worried that the other party will explode the address book, you can give a preventive shot to the relatives and friends of the address book in advance:

In the face of the pressure exerted by the collector after the deadline, it is enough to ignore it directly, which is to avoid the collector from causing mental harm to himself, and if you are indifferent to him, he will not be able to hurt you. After expiration, it is important to maintain a good attitude, so that you can face the debt crisis with a peaceful heart.

At present, most online lending institutions are not qualified to report the user's overdue records to the central bank for credit information, so they can only publicize the overdue user information, and over time, the online loan credit big data in the industry has been formed. The big data of online loans can clearly reflect the user's recent online loan application, whether the online loan is repaid on time, whether the identity information is doubtful, etc.; Just search: Sky Data.

Click on the query in this micro-heart applet, you can see a large part of the data of online lending institutions, so that the vast majority of online loans should be big data.

If you are on the blacklist, then the chances of the online loan being rejected are very high, and you need to understand the reason for your blacklisting according to the report; The more online loan application records and records queried by institutions, the more big data there is, indicating that funds have been tight recently, and it is easy for online loan platforms to judge that you are unable to repay, and online loans are rejected.

1. Communicate with the online loan customer service staff, have a good attitude, explain your situation, say that you will definitely repay the loan, and request an extension for a period of time;

3. Confess to your parents and friends and ask them to help you repay the loan;

4. If the other party has intimidation and threatening behavior during the collection and seriously affects your life, you can directly call the police;

5. Query your big data on blue ice data to check whether there is any information leakage.

6. If you complain to the other party, it is now forbidden for the small loan platform to harass the borrower, you can keep the evidence and submit it to the local industrial and commercial bureau and regulatory department.

And if you want to avoid the situation of collecting the exposed address book, the best way is to repay the loan on time to avoid the occurrence of overdue. Because if it is not overdue, the online loan platform will not collect, and if it does not collect, it will naturally not be exploded.

Of course, some people are overdue because they can't afford it. If the interest rate is too high, you can check whether the interest rate meets the standard of usury. And if it is a loan shark, you can sue the other party in court.

The borrower only needs to repay the portion of the legal interest.

In fact, the reason why the address book was exploded is because when people apply for online loans, they usually need to authorize the online loan platform to read their address book information. And if you don't authorize and agree, you generally can't get a loan. Therefore, this will lead to the situation that after the borrower is overdue, it is inevitable that the online loan collection will explode the address book.

Extended Materials. 1. How to negotiate the overdue inability to repay the online loan?

If the online loan is overdue and unable to repay, it is recommended that the customer take the initiative to explain to the platform's customer service that he is not able to repay the loan for the time being, and prepare relevant materials to prove that he did not deliberately fail to repay the debt, and then try to apply for an extension of the repayment period and repayment of the arrears in installments.

The platform should consider it at its discretion, and if it is finally able to agree, then the customer can negotiate a new repayment plan with the platform and then repay the new repayment plan on time and on a monthly basis. However, the platform is also likely to refuse, and if the negotiation fails, the customer will have to find another way, such as trying to borrow money from family and friends to pay it back.

However, you need to note that some online loans are not formal, and may deliberately charge high interest, and once the customer finds that the online loan he borrowed has reached the standard of usury, he can actually choose not to repay the expenses beyond the reasonable range. If the platform keeps dunning, the customer can also collect relevant evidence and report it to the local CBRC or the Internet Finance Association of China.

Hello, I am a partner lawyer of the platform and have received your question.

Hello, exploding the address book after the deadline is an invasion of other people's privacy. You can call the police. First of all, the act of exploding the address book violates the debtor's personal privacy and is suspected of leaking the privacy of others; Secondly, this act caused harassment to the debtor's address book, which is also illegal.

Question Okay, thank you.

In short, it is recommended that if you have a problem with arrears, you can repay the loan in time, but if the other party violates your privacy because you owe money, you must also actively defend your rights.

Hello, are you satisfied with the answer I provided? If you have anything else you want to ask, you can say it, and I will try my best to answer it for you!

I'm glad to answer for you this time! If you are satisfied with my above targeted reply, you can give me a like, and click on my avatar to follow, and the platform cooperation lawyer looks forward to solving your problems next time!

At present, the number of people consulting is a bit large, and when I look at your question in detail and answer it, please wait.

Then you receive the ** on this text message, you must not call or click on any link given by the other party in the text message, because in fact, there are many loan companies on the market now, and everyone will inevitably have more or less loans in their daily life. So now there are a lot of **in the name of various loan companies to collect,**this kind of text message, so the safest way for you to deal with it at present is to directly ** the company that has a loan relationship with you first, confirm the situation.

In addition, if you really have a loan that is overdue, in fact, regardless of whether the other party collects it or not, it is best to find the time to contact the loan company as soon as possible to negotiate how to repay the loan. Because there will be overdue fees for overdue loans.

Question: What should I do if the online loan platform harasses my family and friends.

Question【Paipai Loan】 Liu Jia's malicious delinquency case has been changed from a civil lawsuit to a criminal case, which is a malicious maliciously defrauded association, and cooperated with the Gaotai County Judiciary to arrive at the place of household registration at 16 o'clock to contact close relatives in the neighborhood to assist in the investigation! Unsubscribe back to t

Send this message to your family and friends.

Question: Can overdue online loans constitute fraud?

To answer whether an overdue online loan is an online fraud, it depends on whether the borrower obtained the loan by fraudulent means, whether the borrower maliciously borrowed money and did not repay it, if it meets the conditions for fraud, it should be counted as online fraud, and if it is only an overdue online loan, it does not involve fraud.

Question Okay, thank you.

Hello, first of all, overdue words will have an impact on your credit according to the length of time, serious overdue (more than 90 days) credit is a black account, before the overdue is not able to apply for any loan business, and secondly, overdue will produce liquidated damages, overdue interest and other additional costs, long-term overdue The last interest is greater than the principal is not a new thing, please be cautious.

Let's do it, otherwise what else can I do.

1. Communicate with the online loan customer service staff, have a good attitude, explain your situation, say that you will definitely repay the loan, and request an extension for a period of time;

3. Confess to your parents and friends and ask them to help you repay the loan;

4. If the other party has intimidation and threatening behavior during the collection and seriously affects your life, you can directly call the police;

5. If you complain to the other party, it is now forbidden for the small loan platform to harass the borrower, you can keep the evidence and submit it to the local industrial and commercial bureau and the supervision department.

The borrowing platform, the address book he gets from basically two places, one is that you install the loan platform, and when the app authorizes your address book, it is the contact of your mobile phone, and the second is your mobile phone card. When you apply for a loan, he will check your 6-month call history, that is, when the service password, he will check a copy of the past mainly from two places. If after the bombing at this time, it means that you still don't return your address book, at this time, he may add your WeChat or call ** to tell you, will send some MMS, ** some more disgusting text messages to your family or friends.

In fact, their main purpose is to put pressure on you, if you don't pay it back at this time, they will say that they will sue you, and at this time you will also receive some kind of complaint and so on. In fact, most of those are fake, if this thing is not used yet, at this time he will tell you that he will come to the door to collect, or that he will locate you, or that he will outsource some outside people, and then look at what Wuling Hongguang is riding and run over and the like, in fact, it is also to put pressure on you. But they won't, because most of them won't.

Second, if you belong to the kind of offline or online piece, and then he is away from your company and he has outlets in your local area, at this time he may come over to collect, but the kind of thing that will not say that it is like the kind of paint or banner that we usually see, basically it will not.

First of all, it is a matter of course to repay debts, ensure that you have the willingness to repay, negotiate the repayment period with the company, and strive to solve the current situation.

If the loan must be repaid, either negotiate with the company to reduce the rate, extend the loan term, reduce the pressure, and then the funds work hard to find a way to make money and believe in themselves, there are always more ways than difficulties. Don't always be opportunistic.

Let's be honest, how long are you overdue.

1. Set up a blocklist. All calls except contacts or local** are rejected. It can block a lot of bombing numbers and have a certain impact on life.

However, it is possible that the online lending institution will outsource your number to a third party, so the local ** can also call in, and the most appropriate way is to refuse to answer all.

2. Contact friends and family. Because online loans will require authorization of address books or call records before applying, they may also call family and friends, and indirectly blow up the number of relatives, so you can contact friends one by one, suggesting that they set up a whitelist first, and then proceed to the next step.

3. Collect evidence and report to the police. Now the state has regulations on online loan collection, such as collection is not allowed between 8 am and 9 pm, daily collection ** can not exceed 3, can not pretend to be a national law enforcement agency staff for intimidation, there is evidence of the use of illegal software bombing, these all collect evidence, you can go to China Internet Finance, the Banking Regulatory Commission, the police to complain and report.

There are also the following options:

1. Collect evidence to complain.

After the online loan is overdue, it is understandable if the collector only collects normally, persuades each other with good words, and the number of collections is not too frequent, but if you blow up the address book, call harassment ** every day, and send threatening text messages, these behaviors will often seriously interfere with the normal work and life of the borrower, and these behaviors should be resolutely resisted, and you should use the online loan database to collect evidence as soon as possible, and then complain to the Internet Finance Association, which regulates all online loan platforms. Complaints above can be used to get effective feedback.

2. Confess to your friends in your address book.

Many people who have not borrowed online loans may occasionally receive harassment from collectors**, which is actually the means taken by collectors to explode the address book after your friend's address book was leaked. For the friends of the address book, they are the most innocent, so after your online loan is overdue, you must confess to them as soon as possible, so that they can be guarded, you can tell them not to answer strangers' ** in the recent period, and you don't have to be in a strange text message. At the same time, let them help collect evidence and unite against violent collections.

3. Set up anti-harassment interception.

Nowadays, whether it is an Apple mobile phone or an Android mobile phone, it has the function of blocking harassment**, after setting, you can only allow friends in the address book to call** and send text messages, and other strangers** and text messages are all rejected. If the address book is exploded and you are harassed every day, the other party has seriously infringed on your legitimate rights and interests, so you can directly set up an anti-harassment interception and block the other party.

The above methods are all small measures that can be taken in the face of the explosion of the address book. But if you want to completely avoid harassment, it's best not to borrow online loans in the first place. Now that the social information circulation is developed, our blind online loan records will be collected into the online loan database, and those who have bad records will be restricted from traveling, and there may be problems for children to go to school in the future.

Therefore, we must keep abreast of our credit status, and if we don't know our own situation, we can check our online loan credit status through [Inquire Now] and keep the relevant data.