I borrowed 40,000 and repaid 80,000, what should I do?

That platform can be handled without credit reporting.

Hello, there are many platforms on the Internet that can borrow money, and it is recommended that you pay attention to two major elements when choosing, one is to choose a trustworthy big brand; Second, it is necessary to pay attention to the clarity and transparency of the service items of the loan product, such as the amount of borrowing, the interest rate of the loan, the repayment time, the repayment method, etc. Only by choosing a reliable loan product can you meet your urgent needs for money while ensuring that your personal interests are not infringed.

It is recommended to use the money to spend, the money to spend is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

The daily interest rate of consumer loans with money is as low as low, and it has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Legal analysis: First, the arrears can be recovered through legal channels, and there must first be evidence to prove the fact of arrears, IOUs, IOUs, audio and video recordings and other written materials that may reflect the payment.

Second, go to court to sue for repayment and interest.

Third, it is possible to inquire whether there is real estate, vehicles, and deposits in his name, and to seal and freeze them for enforcement.

Fourth, if the repayment period has expired for two years, and the period has passed, evidence must be found to prove it, otherwise the statute of limitations will be exceeded.

Fifth, if there is a guarantor, the guarantor shall be appointed as a co-defendant within the guarantee period and demand joint repayment of the arrears.

Legal basis: Article 119 of the Civil Procedure Law of the People's Republic of China Article 119 A lawsuit must meet the following conditions:

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case.

2) There is a clear defendant.

3) There are specific litigation claims, facts, and reasons.

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

Legal analysis: If you lend 40,000 yuan to others and do not pay it back, you can solve it through reconciliation, mediation, arbitration, litigation and other means.

Civil Procedure Law of the People's Republic of China》 Article 3: The provisions of this Law apply to people's courts accepting civil lawsuits brought by citizens, legal persons, and other organizations, as well as between them on the basis of property and personal relationships.

Legal analysis: At an annual interest rate of 36%, the amount to be returned is not illegal.

Legal basis: Decision on Amending the Letter of Return to the Town

Article 1 The term "private lending" as used in these Provisions refers to the act of financing between natural persons, legal persons and unincorporated organizations. These Provisions shall not apply to disputes arising from the issuance of loans and other related financial businesses of financial institutions and their branches established with the approval of the financial regulatory authorities.

Article 2 When a lender initiates a private lending lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, and IOUs, as well as other evidence that can prove the existence of a legal relationship between loans.

For those who do not repay the borrowed money, they can recover the arrears through legal channels, first of all, there must be evidence to prove the fact of the loan, IOUs, IOUs, audio and video recordings and other written materials that may reflect the delay of their payment, and then go to the court to sue for repayment and payment of interest, and can check whether there is real estate, vehicles, and deposits in their names and seal and freeze them for enforcement. Shed.

Legal basis

Article 675 of the Civil Code: The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

For those who do not repay the borrowed money, they can recover the arrears through legal channels, first of all, there must be evidence to prove the fact of the loan, IOUs, IOUs, audio and video recordings and other written materials that may reflect their payments, and then go to the court to sue for repayment and payment of interest, and can check whether there is real estate, vehicles, and deposits in their names and seal and freeze them for enforcement.

1. What to do if the person who owes money does not pay it back.

For those who owe money and do not pay it back, they can negotiate first, and if the negotiation fails, the creditor should file a lawsuit with the court. In order to recover debts through legal means, it is first necessary to have evidence to prove the fact of the debt, such as IOUs, IOUs, receipts, bank transfer records and other written materials that can reflect the debt and remittance. The court shall sue for the payment of debts and the payment of interest.

Houses, vehicles, and deposits under the name can be inquired, sealed, and frozen. If the repayment period has expired for two years and the repayment period has expired, evidence should be found to prove it, otherwise the statute of limitations will be exceeded. During the guarantee period, a guarantor shall be appointed as a co-defendant to jointly repay the debt.

2. What should I do if I owe money and have not signed a loan contract?

There is a legal opportunity to recover the arrears. First of all, relevant evidence can be submitted to the court to prove the fact of arrears. Such as transfer records, relevant audio recording files, witnesses, chat records or ** recordings, etc.

Second, go to court and sue to demand repayment and interest payments from the debtor. Finally, you can check whether the debtor has real estate, vehicles, and deposits in his name, and if so, he can apply to the court for seizure, search and return to freezing for enforcement.

3. What should I do if the debtor does not return the IOU?

If the creditor does not give the IOU after the money is repaid, the borrower may request the creditor to write a receipt, or transfer money through a bank or other financial institution, as well as the audio recordings, video recordings, chat screenshots and other recordings that have been repaid to prove the fact of repayment.

According to Article 667 of the Civil Code of the People's Republic of China, which came into effect on January 1, 2021, a loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.

The first paragraph of Article 668 stipulates that the loan contract shall be in written form, unless otherwise agreed upon by natural persons.

Legal analysis: For those who borrow money and do not repay it, they can recover the arrears through legal channels, first of all, there must be evidence to prove the fact of the loan, IOUs, IOUs, audio and video recordings and other written materials that may reflect their payments, and then go to the court to sue for repayment and payment of interest, and can check whether there is real estate, vehicles, and deposits in their names and enter the bureau to seal and freeze for enforcement.

Legal basis: Article 675 of the Civil Code of the People's Republic of China The borrower shall return the loan within the agreed time limit. If there is no agreement on the term of the loan, or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

Legal basis: Article 671 of the Civil Code of the People's Republic of China If the borrower fails to provide the loan on the agreed date and amount, causing losses to the borrower, he shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.